Call reports 2023
LCNB NATIONAL BANK — 2023
What LCNB NATIONAL BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 1,921,431,000 | 1,946,955,000 | 1,977,914,000 | 2,288,432,000 |
| Total loans | 1,394,829,000 | 1,439,250,000 | 1,458,403,000 | 1,723,471,000 |
| Allowance for loan losses | 7,858,000 | 7,956,000 | 7,932,000 | 10,525,000 |
| Securities available for sale | 292,837,000 | 280,365,000 | 274,203,000 | 276,302,000 |
| Securities held to maturity | 19,770,000 | 19,123,000 | 19,013,000 | 16,863,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,603,922,000 | 1,596,949,000 | 1,617,327,000 | 1,826,758,000 |
| Interest-bearing deposits | 1,128,301,000 | 1,110,878,000 | 1,157,150,000 | 1,355,085,000 |
| Noninterest-bearing deposits | 475,621,000 | 486,071,000 | 460,177,000 | 471,673,000 |
| Equity capital | 216,407,000 | 211,939,000 | 210,202,000 | 242,530,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 17,895,000 | 36,582,000 | 56,233,000 | 79,530,000 |
| Interest expense | 3,719,000 | 8,048,000 | 13,946,000 | 22,396,000 |
| Net interest income | 14,176,000 | 28,534,000 | 42,287,000 | 57,134,000 |
| Noninterest income | 3,981,000 | 8,436,000 | 12,415,000 | 17,311,000 |
| Noninterest expense | 12,333,000 | 24,762,000 | 36,788,000 | 53,663,000 |
| Provision for loan losses | 32,000 | 164,000 | 173,000 | 2,375,000 |
| Pretax income | 5,910,000 | 12,250,000 | 18,038,000 | 18,761,000 |
| Income tax | 1,082,000 | 2,270,000 | 3,350,000 | 3,358,000 |
| Net income | 4,828,000 | 9,980,000 | 14,688,000 | 15,403,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 181,337,000 | 179,750,000 | 181,071,000 | 179,967,000 |
| Total capital | 189,683,000 | 188,094,000 | 189,268,000 | 190,285,000 |
| Risk-weighted assets | 1,514,898,000 | 1,541,112,000 | 1,545,409,000 | 1,769,442,000 |