LCNB Corp. (LCNB)

LCNB Corp. Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	95.8	96.48	71.89	59.25	56.14	59.27
Interest Income on Investments	8.66	8.54	7.71	6.51	5.04	4.51
Total Interest Income	104.45	105.02	79.6	65.75	61.18	63.78
Interest Paid on Deposits	29.92	35.84	16.57	3.68	3.58	6.63
Interest Paid on Borrowings	5.86	8.38	6.68	1.03	0.48	0.93
Total Interest Expense	35.78	44.22	23.25	4.71	4.05	7.56
Net Interest Income	68.68	60.8	56.35	61.04	57.12	56.22
Net Interest Income Growth (YoY)	16.92%	7.89%	-7.69%	6.86%	1.61%	3.33%
Trust Income	9.32	8.45	7.09	6.47	6.67	5.01
Gain (Loss) on Sale of Investments	-0.01	-0.22	0.06	-0.29	0.44	0.9
Other Non-Interest Income	1.92	1.99	1.71	1.73	1.72	2.06
Total Non-Interest Income	22.16	20.4	15.41	14.29	15.72	15.74
Non-Interest Income Growth (YoY)	13.79%	32.40%	7.86%	-9.13%	-0.11%	27.47%
Revenues Before Loan Losses	90.84	81.2	71.76	75.33	72.85	71.96
Provision for Loan Losses	1.08	1.96	2.08	0.25	-0.27	2.01
Revenue	89.77	79.24	69.68	75.08	73.12	69.95
Revenue Growth (YoY)	20.19%	13.71%	-7.19%	2.69%	4.54%	5.10%
Salaries and Employee Benefits	34.72	34.58	28.55	27.95	27.37	27.04
Occupancy Expenses	3.86	3.73	3.3	3.07	2.95	2.88
Federal Deposit Insurance	1.6	1.9	0.93	0.53	0.49	0.26
Amortization of Goodwill & Intangibles	1.15	1.14	0.53	0.48	1.04	1.05
Selling, General & Administrative	8.19	7.86	7.41	6.96	6.81	6.4
Other Non-Interest Expense	11.84	11.08	9.46	9.54	9.38	8.17
Total Non-Interest Expense	61.36	60.29	50.19	47.66	48.04	45.79
EBT Excluding Unusual Items	28.4	18.95	19.49	27.42	25.08	24.16
Other Unusual Items	-	-	-	-	0.51	-
Pretax Income	28.65	15.96	15.26	26.95	25.59	24.16
Income Tax Expense	5.07	2.47	2.63	4.82	4.61	4.09
Net Income	23.58	13.49	12.63	22.13	20.97	20.08
Preferred Dividends & Other Adjustments	0.08	0.08	0.09	0.11	0.08	0.05
Net Income to Common	23.5	13.41	12.54	22.01	20.9	20.03
Net Income Growth	233.15%	6.84%	-42.93%	5.50%	4.48%	6.15%
Basic Shares Outstanding	14	14	11	11	13	13
Diluted Shares Outstanding	14	14	11	11	13	13
Shares Change (YoY)	5.08%	20.56%	0.06%	-9.36%	-2.52%	-1.29%
EPS (Basic)	1.67	0.97	1.10	1.93	1.66	1.55
EPS (Diluted)	1.66	0.97	1.10	1.93	1.66	1.55
EPS Growth	222.87%	-11.69%	-43.06%	16.22%	7.10%	7.64%
Dividend Per Share	0.880	0.880	0.850	0.810	0.770	0.730
Dividend Growth	-	3.53%	4.94%	5.20%	5.48%	5.80%
Effective Tax Rate	17.69%	15.47%	17.25%	17.88%	18.02%	16.91%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q