LCNB National Bank in Lebanon, Ohio (OH)



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LCNB National Bank routing number info

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LCNB National Bank
GeneralFDIC 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
WWW: http://www.lcnb.com
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
LocationAddress: 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 ChangesChange in Location
Financial SummaryTotal 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)
Total employees (full-time equivalent)235
Total assets$787,127
Cash and due from depository institutions$19,535
Interest-bearing balances$1,940
Securities$260,528
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$458,331
Loan loss allowance $2,931
Trading account assets$0
Bank premises and fixed assets$17,346
Other real estate owned$1,619
Goodwill and other intangibles$6,447
All other assets$23,321
Life insurance assets$787,127
Total liabilities and capital$714,230
Total liabilities$664,853
Total deposits$556,769
Interest-bearing deposits$664,853
Deposits held in domestic offices$82
% insured (estimated)9596.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$33,374
Other borrowed funds $0
Subordinated debt $6,407
All other liabilities $72,897
Total equity capital$72,897
Total bank equity capital$72,897
Perpetual preferred stock$0
Common stock$10,560
Surplus$21,069
Undivided profits $41,268
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $3,706
Earning assets $0
Long-term assets (5+ years) $2,327
Average Assets, year-to-date $720,799
Average Assets, quarterly $330,202
Volatile liabilities $781,856
Insider loans $797,189
FHLB advances $478,070
Loans and leases held for sale $782,625
Unused loan commitments $14,838
Tier 1 (core) risk-based capital $14,838
Tier 2 risk-based capital $61,852
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $75,684
Derivatives$1,656
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $32,030
Total interest expense $6,387
Net interest income $25,643
Provision for loan and lease losses $2,089
Total noninterest income $6,629
Fiduciary activities $1,742
Service charges on deposit accounts $1,724
Trading account gains & fees $0
Additional noninterest income $3,163
Total noninterest expense $21,722
Salaries and employee benefits $11,919
Premises and equipment expense $2,784
Additional noninterest expense $7,019
Pre-tax net operating income $8,461
Securities gains (losses) $938
Applicable income taxes $2,174
Income before extraordinary items $7,225
Extraordinary gains - net $0
Net income attributable to bank $7,225
Net charge-offs $0
Cash dividends $7,225
Sale, conversion, retirement of capital stock, net $1,799
Net operating income $6,600
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.50%
Cost of funding earning assets 0.90%
Net interest margin 3.60%
Noninterest income to earning assets 0.93%
Noninterest expense to earning assets 3.05%
Net operating income to assets 0.83%
Return on assets (ROA) 0.92%
Pretax return on assets 1.20%
Return on equity (ROE) 10.04%
Retained earnings to average equity (YTD only) 0.87%
Net charge-offs to loans 0.39%
Credit loss provision to net charge-offs 116.12%
Efficiency ratio5.86%
Assets per employee$67,132
Cash dividends to net income (YTD only)3.35%
Condition Ratios (%)
Loss allowance to loans 91.35%
Loss allowance to noncurrent loans 0.64%
Noncurrent assets plus other real estate owned to assets 79.09%
Noncurrent loans to loans 0.68%
Net loans and leases to deposits0.80%
Net loans and leases to core deposits 68.94%
Equity capital to assets 72.93%
Core capital (leverage) ratio 9.26%
Tier 1 risk-based capital ratio 7.90%
Total risk-based capital ratio 12.94%
Memoranda
Average assets$14
Average earning assets$781,856
Average equity $71,955
Average loans $712,001
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$222,161
Number of Accounts1
Personal trust and agency accounts$185,176
Employee benefit-defined contribution accounts$116,528
Employee benefit-defined benefit accounts$3,415
Other retirement accounts$0
Corporate trust and agency accounts$14,391
Investment management agency accounts$0
Other fiduciary accounts$18,589
Fiduciary accounts held in foreign offices$32,253
Non-managed Assets$0
Number of Accounts408
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$14,391
Employee benefit-defined benefit accounts$0
Other retirement accounts$36,985
Corporate trust and agency accounts$34,518
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$2,323
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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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