LCNB CORP (LCNB)
2025-06-30 | 2025-03-31 | 2024-09-30 | 2024-06-30 | |
|---|---|---|---|---|
| Revenue-Deposit Account | 1,884 | - | - | - |
| Revenue-Fiduciary And Trust | 2,262 | - | - | - |
| Other operating income | 134 | 105 | 132 | 85 |
| Net gains from sales of loans | 615 | 841 | 1,625 | 50 |
| Net losses from sales of debt securities, available-for-sale | - | - | - | - |
| Bank-owned life insurance income | 353 | 346 | 654 | 341 |
| Revenue | - | 3,930 | 3,996 | 3,604 |
| Total non-interest income | 5,248 | 5,222 | 6,407 | 4,080 |
| Fdic insurance premiums, net | - | - | - | 394 |
| State financial institutions tax | 449 | 453 | 505 | 476 |
| Contracted services | 859 | 870 | 807 | 844 |
| Other non-interest expense | 2,892 | 2,900 | 2,212 | 2,938 |
| Occupancy expense, net | 1,022 | 1,010 | 966 | 944 |
| Marketing | 281 | 315 | 320 | 210 |
| Salaries and employee benefits | 8,872 | 9,172 | 9,025 | 9,006 |
| Fdic insurance premiums, net | 380 | 410 | 547 | - |
| Equipment expenses | 371 | 382 | 420 | 395 |
| Merger-related expenses | 140 | - | 281 | 2,320 |
| Amortization of intangibles | 301 | 297 | 304 | 298 |
| Total non-interest expense | 15,567 | 15,809 | 15,387 | 17,825 |
| Provision for credit losses | 18 | 197 | 660 | 528 |
| Interest on long-term debt | - | - | - | 1,877 |
| Total interest expense | - | - | - | 11,748 |
| Interest on short-term borrowings | 1 | 1 | - | 181 |
| Interest on long-term debt | 1,278 | 1,457 | 1,850 | - |
| Interest on deposits | 7,119 | 7,559 | 9,578 | 9,690 |
| Total interest expense | 8,398 | 9,017 | 11,428 | - |
| Other investments | 691 | 694 | 672 | 762 |
| Non-taxable | 161 | 146 | 163 | 145 |
| Taxable | 1,213 | 1,256 | 1,181 | 1,183 |
| Interest and fees on loans | 23,838 | 23,181 | 24,342 | 24,836 |
| Without a readily determinable fair value | 25 | 29 | 30 | 30 |
| With a readily determinable fair value | 11 | 10 | 10 | 9 |
| Total interest income | 25,939 | 25,316 | 26,398 | 26,965 |
| Net interest income | 17,541 | 16,299 | 14,970 | 15,217 |
| Net interest income after provision for credit losses | 17,523 | 16,102 | 14,310 | 14,689 |
| Income before income taxes | 7,204 | 5,515 | 5,330 | 944 |
| Income tax expense (benefit) | 1,285 | 906 | 798 | 19 |
| Net income | 5,919 | 4,609 | 4,532 | 925 |
| Basic (in dollars per share) | 0.41 | 0.33 | 0.31 | 0.07 |
| Basic (in shares) | 14,085,764 | 14,051,310 | 14,103,358 | 14,033,264 |
| Diluted (in dollars per share) | 0.41 | 0.33 | 0.31 | 0.07 |
| Diluted (in shares) | 14,085,764 | 14,051,310 | 14,103,358 | 14,033,264 |