Lake Shore Bancorp, Inc. MD (LSBK)
2025-06-30 | 2024-09-30 | |||
|---|---|---|---|---|
| Service charges and fees | - | 496 | ||
| Other | 16 | 11 | ||
| Unrealized gain on equity securities | 65 | -4 | ||
| Earnings on bank-owned life insurance | 221 | 287 | ||
| Service charges and fees | 273 | - | ||
| Recovery on previously impaired investment securities | 1 | 1 | ||
| Earnings on annuity assets | 23 | - | ||
| Debit card fees | 201 | - | ||
| Total non-interest income | 800 | 791 | ||
| Postage and supplies | 57 | 62 | ||
| Professional services | 251 | 361 | ||
| Other | 223 | 391 | ||
| Occupancy and equipment | 615 | 680 | ||
| Advertising | 15 | 11 | ||
| Salaries and employee benefits | 2,854 | 2,742 | ||
| Data processing | 457 | 436 | ||
| Fdic insurance | 74 | 130 | ||
| Telephone and communications | 79 | - | ||
| Total non-interest expense | 4,625 | 4,813 | ||
| Finance lease and other | - | 10 | ||
| Long-term debt | 28 | 139 | ||
| Deposits | 2,948 | 3,319 | ||
| Finance lease | 9 | - | ||
| Total interest expense | 2,985 | 3,468 | ||
| Interest-earning deposits & federal funds sold | - | 716 | ||
| Investment securities, tax-exempt | 217 | 217 | ||
| Investment securities, taxable | 151 | 188 | ||
| Interest-earning deposits | 270 | - | ||
| Loans, including fees | 8,469 | 7,730 | ||
| Total interest income | 9,107 | 8,851 | ||
| Net interest income | 6,122 | 5,383 | ||
| (credit) provision for credit losses | - | -229 | ||
| Net interest income after (credit) provision for credit losses | 6,122 | 5,612 | ||
| Income before income taxes | 2,297 | 1,590 | ||
| Income tax expense | 378 | 258 | ||
| Net income | 1,919 | 1,332 | ||
| Denominator basic weighted average shares outstanding | 5,667,176 | 5,638,836 | ||
| Diluted weighted average shares outstanding | 5,669,972 | 5,638,836 | ||
| Earnings per common share basic | 0.34 | 0.24 | ||
| Earnings per common share diluted | 0.34 | 0.24 | ||