Call reports 2024
LCNB NATIONAL BANK — 2024
What LCNB NATIONAL BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 2,279,763,000 | 2,367,569,000 | 2,343,297,000 | 2,303,313,000 |
| Total loans | 1,731,936,000 | 1,780,749,000 | 1,754,747,000 | 1,727,368,000 |
| Allowance for loan losses | 10,557,000 | 11,270,000 | 11,867,000 | 12,001,000 |
| Securities available for sale | 261,297,000 | 259,192,000 | 260,640,000 | 255,095,000 |
| Securities held to maturity | 16,751,000 | 18,851,000 | 18,737,000 | 16,329,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,858,949,000 | 1,944,382,000 | 1,918,153,000 | 1,878,348,000 |
| Interest-bearing deposits | 1,416,121,000 | 1,491,980,000 | 1,469,876,000 | 1,417,557,000 |
| Noninterest-bearing deposits | 442,828,000 | 452,402,000 | 448,277,000 | 460,791,000 |
| Equity capital | 242,064,000 | 252,044,000 | 259,897,000 | 259,811,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 24,720,000 | 51,649,000 | 78,009,000 | 104,875,000 |
| Interest expense | 10,674,000 | 22,253,000 | 33,543,000 | 43,601,000 |
| Net interest income | 14,046,000 | 29,396,000 | 44,466,000 | 61,274,000 |
| Noninterest income | 4,528,000 | 8,952,000 | 16,033,000 | 22,327,000 |
| Noninterest expense | 15,306,000 | 32,774,000 | 48,713,000 | 63,225,000 |
| Provision for loan losses | 77,000 | 619,000 | 1,300,000 | 2,029,000 |
| Pretax income | 2,920,000 | 4,666,000 | 10,267,000 | 18,173,000 |
| Income tax | 521,000 | 740,000 | 1,668,000 | 3,146,000 |
| Net income | 2,399,000 | 3,926,000 | 8,599,000 | 15,027,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 180,800,000 | 172,350,000 | 177,154,000 | 178,721,000 |
| Total capital | 191,311,000 | 183,476,000 | 188,889,000 | 190,526,000 |
| Risk-weighted assets | 1,748,797,000 | 1,823,540,000 | 1,804,975,000 | 1,797,414,000 |