Lake Shore Savings Bank
Dunkirk, NY — Federal Savings Bank
Active
Vitals
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Total Assets489.1M 3.2 %
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Total Deposits391.2M 4.5 %
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Total Net Loans326.4M 9.8 %
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Net Income3.7M 5.9 %
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Book Value71.6M 2.9 %
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Book Value x2143.2M 2.9 %
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Book Value x3214.9M 2.9 %
Balance Sheet Highlights
| Financial Highlights | Lake Shore Savings Bank | All Insured Savings Banks in New York |
| Balance Sheet $(000) | ||
| Total Assets | 489,062 | 1,351,752 |
| Total Net Loans | 326,369 | 1,018,087 |
| Total Deposits | 391,250 | 1,024,500 |
| Total Equity | 71,620 | 162,846 |
| Profitability | ||
| Net Income | 3,654 | 8,523 |
| Return on Average Assets | .772 | .459 |
| Return on Average Equity | 5.111 | 3.522 |
| Net Interest Margin | 3.616 | 3.356 |
| Efficiency Ratio | 73.846 | 79.875 |
| Noninterest Income/Revenue | 10.741 | 13.416 |
| Balance Sheet Ratios | ||
| Loan-to-Deposit | 83.417 | 92.451 |
| Securities/Assets | .177 | .086 |
| Total Equity/Total Assets | .146 | .12 |
| Tangible Equity/Tangible Assets | .146 | .112 |
| Capital Adequacy | ||
| Tier 1 Common Capital | 70,157 | 151,871 |
| Tier 1 Capital | 70,157 | 151,871 |
| Tier 2 Capital | 2,906 | 7,542 |
| Total Capital | 73,063 | 159,397 |
| Total Risk Weighted Assets | 315,606 | 882,895 |
| Leverage Ratio | 14.73 | 12.276 |
| Common Equity Tier 1 Capital Ratio | 22.23 | 19.264 |
| Tier 1 Capital Ratio | 22.23 | 19.264 |
| Total Capital Ratio | 23.15 | 20.219 |
Timeline for Lake Shore Savings Bank
Lake Shore Bancorp Inc
Lake Shore Bancorp Inc became a new parent organization for Lake Shore Savings Bank.
View Profile Apr 03 2006
Lake Shore Savings Bank
Lake Shore Savings Bank was established 133 years ago and is currently headquartered in Dunkirk, NY.
Jan 01 1891| Relationships | Role | Relationship Start | Relationship End |
| Lake Shore Bancorp Inc | Parent | 7/21/2011 | |
| Lake Shore Bancorp Inc | Parent | 6/30/2007 | 7/20/2011 |
| Lake Shore Bancorp Inc | Parent | 4/3/2006 | 6/29/2007 |
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