LCNB Corp. Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	95.28	94.31	96.48	71.89	59.25	56.14
Interest Income on Investments	8.09	8.43	8.54	7.71	6.51	5.04
Total Interest Income	103.38	102.75	105.02	79.6	65.75	61.18
Interest Paid on Deposits	21.5	27.15	35.84	16.57	3.68	3.58
Interest Paid on Borrowings	5.3	5.38	8.38	6.68	1.03	0.48
Total Interest Expense	26.8	32.53	44.22	23.25	4.71	4.05
Net Interest Income	76.57	70.22	60.8	56.35	61.04	57.12
Net Interest Income Growth	11.49%	15.51%	7.89%	-7.69%	6.86%	1.61%
Trust Income	10.42	9.53	8.45	7.09	6.47	6.67
Gain (Loss) on Sale of Investments	0.03	0.03	-0.22	0.06	-0.29	0.44
Other Non-Interest Income	1.96	1.89	1.99	1.71	1.73	1.72
Total Non-Interest Income	20.99	21.78	20.4	15.41	14.29	15.72
Non-Interest Income Growth	-3.32%	6.72%	32.40%	7.86%	-9.13%	-0.11%
Revenues Before Loan Losses	97.56	92	81.2	71.76	75.33	72.85
Provision for Loan Losses	4.58	1.94	1.96	2.08	0.25	-0.27
Revenue	92.98	90.06	79.24	69.68	75.08	73.12
Revenue Growth	4.11%	13.66%	13.71%	-7.19%	2.69%	4.54%
Salaries and Employee Benefits	35.7	34.85	34.58	28.55	27.95	27.37
Occupancy Expenses	4.01	3.98	3.73	3.3	3.07	2.95
Federal Deposit Insurance	1.21	1.49	1.9	0.93	0.53	0.49
Amortization of Goodwill & Intangibles	0.91	1.08	1.14	0.53	0.48	1.04
Selling, General & Administrative	8.93	8.42	7.86	7.41	6.96	6.81
Other Non-Interest Expense	11.51	11.7	11.09	9.47	9.54	9.38
Total Non-Interest Expense	62.27	61.5	60.29	50.19	47.66	48.04
EBT Excluding Unusual Items	30.72	28.56	18.95	19.49	27.42	25.08
Asset Writedown	-0.27	-0.27	-	-	-	-
Other Unusual Items	-	-	-	-	-	0.51
Pretax Income	30.45	28.15	15.96	15.26	26.95	25.59
Income Tax Expense	5.55	5.03	2.47	2.63	4.82	4.61
Net Income	24.9	23.12	13.49	12.63	22.13	20.97
Preferred Dividends & Other Adjustments	0.13	0.13	0.08	0.09	0.11	0.08
Net Income to Common	24.77	22.99	13.41	12.54	22.01	20.9
Net Income Growth	5.64%	71.43%	6.92%	-43.03%	5.33%	4.34%
Basic Shares Outstanding	14	14	14	11	11	13
Diluted Shares Outstanding	14	14	14	11	11	13
Shares Change	0.97%	2.33%	20.56%	0.06%	-9.36%	-2.52%
EPS (Basic)	1.75	1.63	0.97	1.10	1.93	1.66
EPS (Diluted)	1.75	1.63	0.97	1.10	1.93	1.66
EPS Growth	4.83%	68.04%	-11.69%	-43.06%	16.22%	7.10%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Dividend Per Share	0.880	0.880	0.880	0.850	0.810	0.770
Dividend Growth	0%	0%	3.53%	4.94%	5.20%	5.48%
Effective Tax Rate	18.22%	17.87%	15.47%	17.25%	17.88%	18.02%

SEC Filings: 10-K · 10-Q