Call reports 2021
LCNB NATIONAL BANK — 2021
What LCNB NATIONAL BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 1,814,975,000 | 1,852,659,000 | 1,880,219,000 | 1,899,918,000 |
| Total loans | 1,335,102,000 | 1,317,765,000 | 1,340,160,000 | 1,369,445,000 |
| Allowance for loan losses | 5,679,000 | 5,652,000 | 5,828,000 | 5,506,000 |
| Securities available for sale | 237,619,000 | 310,515,000 | 313,214,000 | 308,177,000 |
| Securities held to maturity | 24,695,000 | 24,242,000 | 24,420,000 | 22,972,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,538,596,000 | 1,577,719,000 | 1,604,299,000 | 1,629,476,000 |
| Interest-bearing deposits | 1,061,989,000 | 1,101,535,000 | 1,116,287,000 | 1,123,066,000 |
| Noninterest-bearing deposits | 476,607,000 | 476,184,000 | 488,012,000 | 506,410,000 |
| Equity capital | 234,430,000 | 235,778,000 | 233,502,000 | 234,451,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 15,518,000 | 30,930,000 | 45,940,000 | 61,113,000 |
| Interest expense | 1,163,000 | 2,221,000 | 3,157,000 | 4,020,000 |
| Net interest income | 14,355,000 | 28,709,000 | 42,783,000 | 57,093,000 |
| Noninterest income | 3,632,000 | 8,242,000 | 12,637,000 | 16,892,000 |
| Noninterest expense | 11,527,000 | 23,833,000 | 35,981,000 | 48,393,000 |
| Provision for loan losses | -52,000 | -67,000 | 239,000 | -269,000 |
| Pretax income | 6,502,000 | 13,178,000 | 19,191,000 | 26,150,000 |
| Income tax | 1,224,000 | 2,513,000 | 3,634,000 | 4,939,000 |
| Net income | 5,278,000 | 10,665,000 | 15,557,000 | 21,211,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 172,386,000 | 173,034,000 | 171,688,000 | 175,604,000 |
| Total capital | 178,065,000 | 178,686,000 | 177,516,000 | 181,110,000 |
| Risk-weighted assets | 1,380,922,000 | 1,364,129,000 | 1,397,178,000 | 1,433,096,000 |