LCNB National Bank in Lebanon, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches

LCNB National Bank - Overview

  • General
  • FDIC Certificate #: 6623
    Status: Active
    Federal Reserve ID: 785923
    Bank Holding Company (Regulatory Top Holder): Lcnb Corp. (RSSDID: 2759900, Location: Lebanon, OH)
    Date Established: May 10, 1877
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 26 (Domestic: 26, Interstate: No)
    FDIC's unique #: 4436
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: June 02, 2010
    Last Structure Change Process Date: June 02, 2010
    Last Data Update: June 02, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 2 N. Broadway St, Lebanon, OH 45036
    County: Warren
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Columbus
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Metropolitan Statistical Area (MSA): Cincinnati, OH-KY-IN (#1640)
    Consolidated Metropolitan Statistical Area (CMSA): Cincinnati-Hamilton, OH-KY-IN (#21)
    Combined Statistical Area (CSA): Cincinnati-Middletown-Wilmington, OH-KY-IN (#178)
    Core Based Statistical Area (CBSA): Cincinnati-Middletown, OH-KY-IN (#17140)
    CBSA Metro Statistical Area: Cincinnati-Middletown, OH-KY-IN (#17140)
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $787.1 mil
    Equity capital: $72.9 mil
    Deposits held in domestic offices: $664.9 mil
    Return on assets (ROA): 0.92% ($7.2 mil)
    Quarterly return on assets: 0.96% ($7.6 mil)
    Return on Equity (ROE): 10.04% ($7.3 mil)
    Quarterly return on equity: 10.26% ($7.5 mil)
    Net income: $7.2 mil
    Quarterly Net income: $1.9 mil
    Pretax return on assets: 1.20% ($9,445.5 mil)
    Quarterly Pretax return on assets: 1.26% ($9,917.8 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 235Total employees (full-time equivalent)
  • $787,127Total assets
  • $19,535Cash and due from depository institutions
  • $1,940Interest-bearing balances
  • $260,528Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $458,331Net loans & leases
  • $2,931Loan loss allowance
  • $0Trading account assets
  • $17,346Bank premises and fixed assets
  • $1,619Other real estate owned
  • $6,447Goodwill and other intangibles
  • $787,127Life insurance assets
  • $23,321All other assets
  • $714,230Total liabilities and capital
  • $664,853Total liabilities
  • $556,769Total deposits
  • $664,853Interest-bearing deposits
  • $82Deposits held in domestic offices
  • 9596.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $33,374Trading liabilities
  • $0Other borrowed funds
  • $6,407Subordinated debt
  • $72,897All other liabilities
  • $72,897Total equity capital
  • $72,897Total bank equity capital
  • $0Perpetual preferred stock
  • $10,560Common stock
  • $21,069Surplus
  • $41,268Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,706Income earned, not collected on loans
  • $0Earning assets
  • $2,327Long-term assets (5+ years)
  • $720,799Average Assets, year-to-date
  • $330,202Average Assets, quarterly
  • $781,856Volatile liabilities
  • $797,189Insider loans
  • $478,070FHLB advances
  • $782,625Loans and leases held for sale
  • $14,838Unused loan commitments
  • $14,838Tier 1 (core) risk-based capital
  • $61,852Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $75,684Restructured Loans and leases
  • $1,656Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $32,030Total interest income
  • $6,387Total interest expense
  • $25,643Net interest income
  • $2,089Provision for loan and lease losses
  • $6,629Total noninterest income
  • $1,742Fiduciary activities
  • $1,724Service charges on deposit accounts
  • $0Trading account gains & fees
  • $3,163Additional noninterest income
  • $21,722Total noninterest expense
  • $11,919Salaries and employee benefits
  • $2,784Premises and equipment expense
  • $7,019Additional noninterest expense
  • $8,461Pre-tax net operating income
  • $938Securities gains (losses)
  • $2,174Applicable income taxes
  • $7,225Income before extraordinary items
  • $0Extraordinary gains - net
  • $7,225Net income attributable to bank
  • $0Net charge-offs
  • $7,225Cash dividends
  • $1,799Sale, conversion, retirement of capital stock, net
  • $6,600Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.50%Yield on earning assets
  • 0.90%Cost of funding earning assets
  • 3.60%Net interest margin
  • 0.93%Noninterest income to earning assets
  • 3.05%Noninterest expense to earning assets
  • 0.83%Net operating income to assets
  • 0.92%Return on assets (ROA)
  • 1.20%Pretax return on assets
  • 10.04%Return on equity (ROE)
  • 0.87%Retained earnings to average equity (YTD only)
  • 0.39%Net charge-offs to loans
  • 116.12%Credit loss provision to net charge-offs
  • 5.86%Efficiency ratio
  • 67,132Assets per employee
  • 3.35%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 91.35%Loss allowance to loans
  • 0.64%Loss allowance to noncurrent loans
  • 79.09%Noncurrent assets plus other real estate owned to assets
  • 0.68%Noncurrent loans to loans
  • 0.80%Net loans and leases to deposits
  • 68.94%Net loans and leases to core deposits
  • 72.93%Equity capital to assets
  • 9.26%Core capital (leverage) ratio
  • 7.90%Tier 1 risk-based capital ratio
  • 12.94%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $781,856Average earning assets
  • $71,955Average equity
  • $712,001Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $222,161Managed Assets
  • 1Number of Accounts
  • $185,176Personal trust and agency accounts
  • $116,528Employee benefit-defined contribution accounts
  • $3,415Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $14,391Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $18,589Other fiduciary accounts
  • $32,253Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 408Number of Accounts
  • $0Personal trust and agency accounts
  • $14,391Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $36,985Other retirement accounts
  • $34,518Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $2,323Fiduciary accounts held in foreign offices

List of branches

  • 26 Ohio Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    04436Lcnb National Bank2 N. Broadway St, Lebanon, OH 45036May 10, 1877Full Service Brick and Mortar
    1211615Drive-In Branch34 North Broadway, Lebanon, OH 45036June 18, 1962Full Service Brick and Mortar
    2211616South Lebanon Branch603 Corwin Nixon Blvd, South Lebanon, OH 45065October 15, 1962Full Service Brick and Mortar
    3211617Columbus Avenue Branch730 Columbus Avenue, Lebanon, OH 45036April 15, 1974Full Service Brick and Mortar
    4211618The Mason Branch1050 Reading Road, Mason, OH 45040June 13, 1977Full Service Brick and Mortar
    5211619Roachester/Morrow Branch6123 East State Route 22 And 3, Roachester, OH 45152July 06, 1977Full Service Brick and Mortar
    6211620Maineville Branch7795 South State Route 48, Maineville, OH 45039October 11, 1977Full Service Brick and Mortar
    7211621Otterbein Branch200 Campus Ctr, Lebanon, OH 45036July 24, 1978Full Service Brick and Mortar
    8211622Hunter Branch3878 State Route 122, Franklin, OH 45005May 17, 1982Full Service Brick and Mortar
    10211624Loveland Branch500 Loveland Madeira Road, Loveland, OH 45140September 22, 1986Full Service Brick and Mortar
    11211625Goshen BranchDick Flynn Blvd, Goshen, OH 45122Febuary 23, 1987Full Service Brick and Mortar
    12211626Middletown Branch4441 Marie Drive, Middletown, OH 45044May 10, 1993Full Service Brick and Mortar
    13211627Springboro/Franklin Branch525 West Central Avenue, Springboro, OH 45066July 18, 1996Full Service Brick and Mortar
    144508Waynesville Branch9 North Main Street, Waynesville, OH 45068January 01, 1875Full Service Brick and Mortar
    15229317Okeana Branch6225 Cincinnati Brookville Road, Okeana, OH 45053October 10, 1968Full Service Brick and Mortar
    16229319Oxford Branch30 West Park Place, Oxford, OH 45056May 29, 1974Full Service Brick and Mortar
    17211628Wilmington Branch1243 Rombach Avenue, Wilmington, OH 45177October 15, 1997Full Service Brick and Mortar
    19362042Hamilton Branch794 N.W. Washington Boulevard, Hamilton, OH 45013September 19, 2001Full Service Brick and Mortar
    20438740Fairfield Branch765 Nilles Road, Fairfield, OH 45014November 22, 2004Full Service Brick and Mortar
    21441705Warrior BranchLebanon High School, 1916 Drake Road, Lebanon, OH 45036March 14, 2005Full Service Brick and Mortar
    22447179Mason Christian Village Branch411 Western Row Road, Mason, OH 45040November 01, 2005Full Service Retail
    23464018Lcnb Oakwood Branch2705 Far Hills Avenue, Dayton, OH 45419April 30, 2007Full Service Brick and Mortar
    2443866Colerain Township Branch3209 West Galbraith Road, Cincinnati, OH 45239January 01, 1880Full Service Brick and Mortar
    25283190Bridgetown Branch6383 Bridgetown Road, Cincinnati, OH 45248April 01, 1993Full Service Brick and Mortar
    26492936Centerville Branch9605 Dayton Lebanon Pike St Rt 48, Centerville, OH 45458September 29, 2008Full Service Brick and Mortar
    27521344Monroe Branch101clarence F Warner Drive, Monroe, OH 45050June 20, 2011Full Service Brick and Mortar

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