The latest financial statement is for the quarter ending 2025-09-30.
| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net income | 6,936 | 10,528 |
| Depreciation, amortization, and accretion | 1,775 | -1,253 |
| Provision for credit losses | 211 | 215 |
| Deferred income tax provision (benefit) | 925 | 1,221 |
| Increase in cash surrender value of bank-owned life insurance | 361 | 699 |
| Bank-owned life insurance death benefits in excess of cash surrender value | 0 | - |
| Realized and unrealized gains from equity securities, net | -1 | 22 |
| Realized losses from sales of debt securities, available-for-sale | 0 | 0 |
| Realized gains from sales of premises and equipment | 0 | - |
| Origination of mortgage loans for sale | 21,982 | 57,973 |
| Realized gains from sales of loans | -718 | -1,456 |
| Proceeds from sales of originated loans | 24,708 | 58,959 |
| Proceeds from sales of acquired loans | 0 | 0 |
| Realized losses from sales of acquired loans | 0 | 0 |
| Compensation expense related to restricted stock | 130 | 385 |
| Accrued interest receivable | 8 | 94 |
| Other assets | -1,688 | 2,095 |
| Other liabilities | 672 | -37 |
| Total adjustments | 7,041 | -2,849 |
| Net cash flows provided by operating activities | 13,977 | 7,679 |
| Purchases of securities, equity securities | 10 | 20 |
| Proceeds from sales, available for-sale debt securities | 0 | 0 |
| Proceeds from maturities, prepayments and calls, available for-sale debt securities | 14,035 | 12,541 |
| Purchases of securities, available for-sale debt securities | 930 | 750 |
| Proceeds from maturities, prepayments and calls, held-to-maturity debt securities | 118 | 273 |
| Purchases of securities, held-to-maturity debt securities | -1 | 1,378 |
| Purchase of interest-bearing time deposits | 2 | 6 |
| Purchase of federal reserve bank stock | 0 | 0 |
| Purchases of federal home loan bank stock | 0 | 0 |
| Proceeds from redemption of federal home loan bank stock | 0 | 0 |
| Net decrease in loans | -33,019 | -12,170 |
| Purchases of premises and equipment | 309 | 305 |
| Proceeds from sales of premises and equipment | 0 | 1 |
| Cash and cash equivalents paid for acquisition, net of cash acquired | 0 | 0 |
| Funding of tax credit investments | 259 | 1,163 |
| Net cash flows provided by investing activities | 45,663 | 21,363 |
| Net increase (decrease) in customer deposits | -70,290 | 41,080 |
| Net decrease in short-term borrowings | 0 | 0 |
| Proceeds from issuance of long-term debt | 363 | 0 |
| Principal payments on long-term debt | 646 | 50,153 |
| Proceeds from issuance of common stock | 174 | 331 |
| Repurchase of common stock | 0 | 69 |
| Cash dividends paid on common stock | 3,154 | 6,197 |
| Net cash flows used in financing activities | -73,553 | -15,008 |
| Net change in cash and cash equivalents | -13,913 | 14,034 |
| Cash and cash equivalents at beginning of period | 35,744 | - |
| Cash and cash equivalents at end of period | 35,865 | - |
LCNB CORP (LCNB)
LCNB CORP (LCNB)