Call reports 2020
LCNB NATIONAL BANK — 2020
What LCNB NATIONAL BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 1,633,433,000 | 1,732,171,000 | 1,722,798,000 | 1,742,641,000 |
| Total loans | 1,272,387,000 | 1,335,439,000 | 1,340,160,000 | 1,299,421,000 |
| Allowance for loan losses | 5,008,000 | 5,016,000 | 5,974,000 | 5,728,000 |
| Securities available for sale | 141,439,000 | 153,529,000 | 157,936,000 | 209,471,000 |
| Securities held to maturity | 27,694,000 | 27,237,000 | 26,941,000 | 24,810,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,346,983,000 | 1,439,642,000 | 1,431,098,000 | 1,459,072,000 |
| Interest-bearing deposits | 1,003,430,000 | 1,007,224,000 | 1,003,405,000 | 1,000,350,000 |
| Noninterest-bearing deposits | 343,553,000 | 432,418,000 | 427,693,000 | 458,722,000 |
| Equity capital | 229,574,000 | 233,313,000 | 235,372,000 | 234,092,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 16,537,000 | 32,476,000 | 47,780,000 | 63,707,000 |
| Interest expense | 2,369,000 | 4,328,000 | 6,120,000 | 7,553,000 |
| Net interest income | 14,168,000 | 28,148,000 | 41,660,000 | 56,154,000 |
| Noninterest income | 3,528,000 | 7,009,000 | 11,477,000 | 15,830,000 |
| Noninterest expense | 11,220,000 | 22,477,000 | 34,225,000 | 46,331,000 |
| Provision for loan losses | 1,173,000 | 1,189,000 | 2,165,000 | 2,014,000 |
| Pretax income | 6,035,000 | 12,238,000 | 17,494,000 | 24,387,000 |
| Income tax | 1,009,000 | 2,186,000 | 3,170,000 | 4,480,000 |
| Net income | 5,026,000 | 10,052,000 | 14,324,000 | 19,907,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 163,933,000 | 167,220,000 | 169,256,000 | 168,351,000 |
| Total capital | 168,941,000 | 172,236,000 | 175,230,000 | 174,079,000 |
| Risk-weighted assets | 1,317,472,000 | 1,378,970,000 | 1,377,872,000 | 1,348,886,000 |