Call reports 2025
LCNB NATIONAL BANK — 2025
What LCNB NATIONAL BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 2,298,436,000 | 2,303,135,000 | 2,239,401,000 | 2,236,740,000 |
| Total loans | 1,723,728,000 | 1,719,036,000 | 1,683,047,000 | 1,707,249,000 |
| Allowance for loan losses | 12,124,000 | 12,108,000 | 12,170,000 | 13,704,000 |
| Securities available for sale | 255,891,000 | 253,320,000 | 243,105,000 | 232,271,000 |
| Securities held to maturity | 17,591,000 | 17,435,000 | 17,316,000 | 16,091,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,922,281,000 | 1,920,726,000 | 1,850,195,000 | 1,842,258,000 |
| Interest-bearing deposits | 1,451,710,000 | 1,450,399,000 | 1,388,219,000 | 1,359,631,000 |
| Noninterest-bearing deposits | 470,571,000 | 470,327,000 | 461,976,000 | 482,627,000 |
| Equity capital | 264,078,000 | 268,215,000 | 274,235,000 | 278,357,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 25,283,000 | 51,181,000 | 77,445,000 | 102,583,000 |
| Interest expense | 8,909,000 | 17,149,000 | 25,131,000 | 31,869,000 |
| Net interest income | 16,374,000 | 34,032,000 | 52,314,000 | 70,714,000 |
| Noninterest income | 5,443,000 | 11,000,000 | 16,964,000 | 22,859,000 |
| Noninterest expense | 15,653,000 | 31,075,000 | 46,195,000 | 61,351,000 |
| Provision for loan losses | 163,000 | 226,000 | 457,000 | 1,977,000 |
| Pretax income | 5,981,000 | 13,764,000 | 22,678,000 | 30,316,000 |
| Income tax | 1,076,000 | 2,522,000 | 4,225,000 | 5,709,000 |
| Net income | 4,905,000 | 11,242,000 | 18,453,000 | 24,607,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 178,852,000 | 182,256,000 | 187,192,000 | 191,005,000 |
| Total capital | 190,922,000 | 194,276,000 | 199,255,000 | 204,618,000 |
| Risk-weighted assets | 1,791,584,000 | 1,784,987,000 | 1,710,355,000 | 1,733,045,000 |