Lake Shore Bancorp, Inc. (LSBK)

Lake Shore Bancorp Balance Sheet

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Cash & Equivalents	33.13	53.73	9.63	67.59	42.98
Investment Securities	29.34	31.28	26.56	35.91	31.86
Trading Asset Securities	-	-	-	-	-0.26
Mortgage-Backed Securities	22.25	25.47	28.69	35.71	31.83
Total Investments	51.6	56.74	55.25	71.62	63.43
Gross Loans	549.75	562.29	580.6	523.32	530
Allowance for Loan Losses	-5.13	-6.46	-7.07	-6.12	-5.86
Net Loans	544.62	555.83	573.54	517.21	524.14
Property, Plant & Equipment	8.16	8.1	8.66	9.25	9.62
Accrued Interest Receivable	2.82	2.84	2.8	2.48	2.99
Long-Term Deferred Tax Assets	3.92	3.89	3.97	0.78	0.68
Other Real Estate Owned & Foreclosed	-	0.03	0.1	0.12	0.06
Other Long-Term Assets	40.11	41.66	43.65	43.1	40.41
Total Assets	685.5	725.12	699.91	713.74	686.2
Interest Bearing Deposits	476.57	495.74	464.44	455.21	440.11
Institutional Deposits	33.9	38.4	28.3	27.3	28.2
Non-Interest Bearing Deposits	62.51	56.79	77.38	110.68	91.95
Total Deposits	572.98	590.92	570.12	593.18	560.26
Short-Term Borrowings	-	-	12.6	0.06	-
Current Portion of Long-Term Debt	8.25	25	4.95	2	7.8
Current Portion of Leases	0.3	-	-	-	-
Federal Home Loan Bank Debt, Long-Term	2	10.25	20	19.95	21.95
Long-Term Leases	1.02	0.72	0.94	1.16	-
Pension & Post-Retirement Benefits	1.23	0.95	2.25	4.18	4
Other Long-Term Liabilities	9.86	11	7.88	5.23	6.26
Total Liabilities	595.64	638.85	618.73	625.76	600.28
Common Stock	0.07	0.07	0.07	0.07	0.07
Additional Paid-In Capital	31.51	31.46	31.46	31.35	31.2
Retained Earnings	82.81	78.96	74.86	70.59	65.49
Treasury Stock	-13.3	-13.76	-13.57	-13.66	-11.58
Comprehensive Income & Other	-11.21	-10.45	-11.63	-0.37	0.75
Shareholders' Equity	89.87	86.27	81.18	87.98	85.92
Total Liabilities & Equity	685.5	725.12	699.91	713.74	686.2
Total Debt	11.57	35.97	38.49	23.17	29.75
Net Cash (Debt)	21.56	17.76	-28.86	44.42	12.97
Net Cash Growth	21.37%	-	-	242.57%	-
Net Cash Per Share	3.83	3.03	-4.91	7.54	2.18
Filing Date Shares Outstanding	5.64	5.58	5.59	5.59	5.69
Total Common Shares Outstanding	5.64	5.58	5.6	5.58	5.7
Book Value Per Share	15.93	15.45	14.49	15.76	15.06
Tangible Book Value	89.87	86.27	81.18	87.98	85.92
Tangible Book Value Per Share	15.93	15.45	14.49	15.76	15.06

Updated Mar 14, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q