LCNB National Bank

LCNB National Bank is headquartered in Lebanon and is the 25^th largest bank in the state of Ohio. It is also the 839^th largest bank in the nation. It was established in 1877 and as of March of 2012, it had grown to 226 employees at 26 locations. LCNB National Bank has a 5-star health rating.

LCNB National Bank Routing Number: 042205708

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Data for Q1 2012

Institution Statistics LCNB National Bank FDIC Certificate # 6623 BankRate Report View Year Established 1877 Employees 226 Primary Regulator OCC Assets and Liabilities Assets $787.16 million Loans $454.09 million Deposits $675.92 million Equity Capital $73.90 million Loan Loss Allowance $2.89 million Unbacked Noncurrent Loans $3.18 million Real Estate Owned $2.09 million Historic Data - March 2011 Assets $764.65 million Equity Capital $68.85 million Loan Loss Allowance $2.93 million Unbacked Noncurrent Loans $3.67 million Real Estate Owned $1,000 Profit Margin - Quarterly Net Interest Margin 3.55% Return on Assets 1.16% Return on Equity 12.41% Interest Income $7.71 million

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 LCNB National Bank had $5.26 million in non-current loans and owned real-estate with $76.79 million in equity and loan loss allowances on hand to cover it. This gives LCNB National Bank a Texas Ratio of 6.85% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for LCNB National Bank held steady from 5.11% as of March 31, 2011 to 6.85% as of March 31, 2012, resulting in a negative change of 34.00%. This indicates that the balance sheet and financial strength for LCNB National Bank has held steady in recent periods. Deposit Growth In the past year, LCNB National Bank has increased its total deposits by $18.57 million, resulting in 2.82% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth LCNB National Bank has shown is above average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. LCNB National Bank has $787.16 million in assets with $76.79 million in equity, resulting in a capitalization level of 9.76%, which is average.

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