Financial insights of LCNB

MyFinsight

For the year ending 2025-12-31.

Income Statement	2025-12-31
Revenue-Fiduciary And Trust	9,531
Revenue-Deposit Account	7,384
Net losses on sales of debt securities, available-for-sale	0
Bank owned life insurance income	1,422
Net gains from sales of loans	2,937
Other operating income	501
Total non-interest income	21,775
Interest and fees on loans	94,313
With a readily determinable fair value	43
Without a readily determinable fair value	130
Taxable	4,876
Non-taxable	625
Other investments	2,760
Total interest income	102,747
Interest on deposits	27,148
Interest on short-term borrowings	3
Interest on long-term debt	5,374
Total interest expense	32,525
Net interest income	70,222
Provision for credit losses	1,936
Net interest income after provision for credit losses	68,286
Salaries and employee benefits	35,496
Equipment expenses	1,517
Occupancy expense, net	3,983
State financial institutions tax	1,716
Marketing	1,223
Amortization of core deposit intangibles	1,075
Fdic insurance premiums, net	1,487
Computer maintenance and supplies	1,506
Contracted services	3,520
Merger-related expenses	140
Other non-interest expense	10,246
Total non-interest expense	61,909
Income before income taxes	28,152
Income tax expense (benefit)	5,032
Net income	23,120

Basic EPS	1.63
Diluted EPS	1.63
Basic Average Shares	14,086,379
Diluted Average Shares	14,086,379