LCNB Q4 GAAP EPS $0.44 (vs -$0.02); NIM 3.22%; NPLs rise to 0.27% of loans; dividend +3.5%

LCNB CORP

2024-FY EPS reported $0.97

Q4 net income $6.1M ($0.44 diluted), vs loss of $293K ($0.02) in Q4 2023; full-year net income $13.5M ($0.97) vs $12.6M ($1.10).
Net interest margin (tax-equivalent) improved to 3.22% in Q4 2024 from 2.99% a year ago; full-year NIM 2.91% vs 3.14%.
Non-performing loans increased to $4.6M (0.27% of loans) from $152K (0.01%) at Dec 31, 2023, driven by one $2.6M CRE relationship.
Wealth management assets grew 15.1% YoY to a record $1.38B; total assets under management $4.23B.
Full-year cash dividend raised 3.5% to $0.88 per share from $0.85; adjusted EPS for 2024 was $1.27 vs $1.56.

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