Borrowings

Borrowings at September 30, 2019 and December 31, 2018 are as follows (dollars in thousands):



	September 30, 2019				December 31, 2018
	Amount		Rate		Amount		Rate
Line of credit	$	—	—	%	$	4,230	3.00	%
FHLB short-term advances	—		—	%	52,000		2.48	%
FHLB long-term advances	41,990		2.54	%	47,032		2.45	%
	$	41,990	2.54	%	$	103,262	2.49	%

All advances from the Federal Home Loan Bank ("FHLB") of Cincinnati, both long-term and short-term, are secured by a blanket pledge of LCNB's 1-4 family first lien mortgage loans in the amount of approximately $280 million and $303 million at September 30, 2019 and December 31, 2018, respectively. Additionally, LCNB is required to hold minimum levels of FHLB stock, based on the outstanding borrowings. Total remaining borrowing capacity at September 30, 2019 was approximately $87.4 million. One of the factors limiting remaining borrowing capacity is ownership of FHLB stock. LCNB could increase its remaining borrowing capacity by purchasing additional FHLB stock.