Call reports 2022
LCNB NATIONAL BANK — 2022
What LCNB NATIONAL BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 1,895,805,000 | 1,907,574,000 | 1,900,920,000 | 1,915,139,000 |
| Total loans | 1,379,521,000 | 1,373,478,000 | 1,376,689,000 | 1,401,279,000 |
| Allowance for loan losses | 5,530,000 | 5,833,000 | 5,644,000 | 5,646,000 |
| Securities available for sale | 293,464,000 | 300,629,000 | 289,825,000 | 289,260,000 |
| Securities held to maturity | 22,873,000 | 22,516,000 | 22,415,000 | 19,878,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,636,999,000 | 1,659,434,000 | 1,657,964,000 | 1,605,886,000 |
| Interest-bearing deposits | 1,116,749,000 | 1,157,218,000 | 1,134,177,000 | 1,096,069,000 |
| Noninterest-bearing deposits | 520,250,000 | 502,216,000 | 523,787,000 | 509,817,000 |
| Equity capital | 222,813,000 | 217,508,000 | 209,830,000 | 213,051,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 15,109,000 | 31,302,000 | 47,985,000 | 65,681,000 |
| Interest expense | 791,000 | 1,629,000 | 2,662,000 | 3,925,000 |
| Net interest income | 14,318,000 | 29,673,000 | 45,323,000 | 61,756,000 |
| Noninterest income | 3,983,000 | 8,747,000 | 12,381,000 | 16,225,000 |
| Noninterest expense | 11,981,000 | 24,154,000 | 36,145,000 | 48,367,000 |
| Provision for loan losses | 49,000 | 426,000 | 269,000 | 250,000 |
| Pretax income | 6,201,000 | 13,722,000 | 21,121,000 | 29,204,000 |
| Income tax | 1,151,000 | 2,584,000 | 3,996,000 | 5,517,000 |
| Net income | 5,050,000 | 11,138,000 | 17,125,000 | 23,687,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 177,295,000 | 179,045,000 | 181,143,000 | 182,819,000 |
| Total capital | 182,825,000 | 184,878,000 | 186,787,000 | 188,465,000 |
| Risk-weighted assets | 1,471,812,000 | 1,490,687,000 | 1,507,253,000 | 1,531,106,000 |