For the quarter ending 2025-09-30, LSBK had $8,271K increase in cash & cash equivalents over the period. $3,298K in free cash flow.
| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Numerator- net income | 2,360 | 2,975 |
| Net amortization of investment securities | -16 | -36 |
| Net amortization of deferred loan costs | -112 | -163 |
| Credit to provision for credit losses | -269 | 48 |
| Recovery on previously impaired investment securities | 2 | 2 |
| Unrealized gain on equity securities | 79 | 111 |
| Loss on disposal of premises and equipment | 0 | -2 |
| Depreciation and amortization of premises and equipment | 150 | 312 |
| Earnings on bank-owned life insurance | 469 | 438 |
| Deferred income tax (benefit) expense | -49 | -105 |
| Esop shares committed to be released | 94 | 62 |
| Stock based compensation expense | 67 | 164 |
| (increase) in accrued interest receivable | 125 | 59 |
| Decrease (increase) in other assets | -1,169 | 850 |
| Loss on sale of foreclosed real estate | 0 | 0 |
| Increase (decrease) in other liabilities | 387 | 359 |
| Increase in annuity asset | 23 | 46 |
| Net cash provided by (used in) operating activities | 3,339 | 2,510 |
| Activity in debt securities maturities, prepayments and calls | 787 | 1,537 |
| Redemptions of federal home loan bank of new york stock | 0 | 394 |
| Loan principal collections and origination, net | 102 | 7,971 |
| Proceeds from claims on and surrender of bank-owned life insurance | 512 | 651 |
| Proceeds from sale of foreclosed real estate | 0 | 0 |
| Additions to premises and equipment | 41 | 536 |
| Net cash (used in) provided by investing activities | 1,156 | -5,925 |
| Proceeds from the sale of common stock, net of offering costs and esop purchase | 43,241 | - |
| Net increase (decrease) in deposits | -37,154 | 54,521 |
| Net (decrease) in advances from borrowers for taxes and insurance | -1,627 | -159 |
| Repayment of long-term debt | 0 | 8,250 |
| Repayment of finance lease obligation | 26 | 49 |
| Shares of common stock repurchased on vesting for payroll taxes | 0 | 51 |
| Cash dividends paid | 658 | 361 |
| Net cash (used in) provided by financing activities | 3,776 | 45,651 |
| Net increase in cash and cash equivalents | 8,271 | 42,236 |
| Cash and cash equivalents at beginning of period | 33,131 | - |
| Cash and cash equivalents at end of period | 83,638 | - |
Lake Shore Bancorp, Inc. MD (LSBK)
Lake Shore Bancorp, Inc. MD (LSBK)