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Non-interest expense for the nine months ended September 30, 2017 was $102,000 less than the comparable period in 2016, primarily due to a $599,000 decrease in other real estate owned expenses and to the absence of a $251,000 penalty incurred during the first quarter 2016 to pre-pay a Federal Home Loan Bank borrowing bearing an interest rate of 5.25%.

The borrowing was paid off to reduce future interest expense on long-term debt.

When Logan Becker's family embarks on a summer "house swapping" vacation in a beach town in Oregon, Logan is overjoyed.

Similarly, Tricia Merrit, the daughter of the other family, is thrilled to be in the farm belt of Minnesota.

These forward-looking statements reflect management's current expectations based on all information available to management and its knowledge of LCNB’s business and operations.

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