Lake Shore Bancorp, Inc. (LSBK)

Lake Shore Bancorp Balance Sheet

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

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Sep 30, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Cash & Equivalents	49.98	53.73	9.63	67.59	42.98	27.38
Investment Securities	30.82	16.88	26.56	35.91	31.86	23.48
Trading Asset Securities	-	-	-	-	-0.26	-0.13
Mortgage-Backed Securities	23.76	25.47	28.69	35.71	31.83	32.92
Total Investments	54.58	42.34	55.25	71.62	63.43	56.27
Gross Loans	544.5	562.29	580.6	523.32	530	475.08
Allowance for Loan Losses	-5.49	-6.46	-7.07	-6.12	-5.86	-4.27
Net Loans	539.01	555.83	573.54	517.21	524.14	470.82
Property, Plant & Equipment	7.31	8.1	8.66	9.25	9.62	10.19
Accrued Interest Receivable	2.89	2.84	2.8	2.48	2.99	2.15
Restricted Cash	-	-	-	-	-	2.91
Long-Term Deferred Tax Assets	-	3.89	3.97	0.78	0.68	0.41
Other Real Estate Owned & Foreclosed	-	0.03	0.1	0.12	0.06	0.78
Other Long-Term Assets	42.67	56.06	43.65	43.1	40.41	37.91
Total Assets	697.6	725.12	699.91	713.74	686.2	610.87
Interest Bearing Deposits	488.1	495.74	464.44	455.21	440.11	390.05
Institutional Deposits	-	38.4	28.3	27.3	28.2	32.2
Non-Interest Bearing Deposits	99.46	56.79	77.38	110.68	91.95	61.23
Total Deposits	587.56	590.92	570.12	593.18	560.26	483.48
Short-Term Borrowings	-	0.27	12.6	0.06	-	-
Current Portion of Long-Term Debt	-	25	4.95	2	7.8	6.1
Current Portion of Leases	-	0.29	-	-	-	-
Federal Home Loan Bank Debt, Long-Term	10.25	10.25	20	19.95	21.95	28.55
Long-Term Leases	-	0.42	0.94	1.16	-	1.55
Pension & Post-Retirement Benefits	-	2.55	2.25	4.18	4	3.87
Other Long-Term Liabilities	9.91	9.13	7.88	5.23	6.26	4.49
Total Liabilities	607.72	638.85	618.73	625.76	600.28	528.03
Common Stock	0.07	0.07	0.07	0.07	0.07	0.07
Additional Paid-In Capital	31.49	31.46	31.46	31.35	31.2	31.08
Retained Earnings	81.7	78.96	74.86	70.59	65.49	61.95
Treasury Stock	-13.22	-13.76	-13.57	-13.66	-11.58	-10.18
Comprehensive Income & Other	-10.16	-10.45	-11.63	-0.37	0.75	-0.07
Shareholders' Equity	89.88	86.27	81.18	87.98	85.92	82.84
Total Liabilities & Equity	697.6	725.12	699.91	713.74	686.2	610.87
Total Debt	10.25	36.24	38.49	23.17	29.75	36.2
Net Cash (Debt)	39.73	17.49	-28.86	44.42	12.97	-8.95
Net Cash Growth	316.07%	-	-	242.57%	-	-
Net Cash Per Share	7.00	2.99	-4.91	7.54	2.18	-1.49
Filing Date Shares Outstanding	5.64	5.58	5.59	5.59	5.69	5.8
Total Common Shares Outstanding	5.64	5.58	5.6	5.58	5.7	5.8
Book Value Per Share	15.93	15.45	14.49	15.76	15.06	14.29
Tangible Book Value	89.88	86.27	81.18	87.98	85.92	82.84
Tangible Book Value Per Share	15.93	15.45	14.49	15.76	15.06	14.29

Source: S&P Capital IQ. Banks template. Financial Sources.