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Income Statement
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Balance Sheet
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Income Overview
Net Income
$2,359K
EPS
$0.32
Unit: Thousand (K) dollars
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Page 1
Quarterly
123
Page 1
Income Statement
2025-09-30
2025-06-30
2024-09-30
Interest-earning deposits & federal funds sold
-
-
716
Loans, including fees
8,193
8,469
7,730
Investment securities, taxable
166
151
188
Investment securities, tax-exempt
199
217
217
Interest-earning deposits
793
270
-
Total interest income
9,351
9,107
8,851
Finance lease and other
-
-
10
Deposits
2,966
2,948
3,319
Long-term debt
18
28
139
Finance lease
-
9
-
Finance lease and other
12
-
-
Total interest expense
2,996
2,985
3,468
Net interest income
6,355
6,122
5,383
Credit to provision for credit losses
-269
0
-229
Net interest income after credit to provision for credit losses
6,624
6,122
5,612
Service charges and fees
276
273
-
Debit card fees
198
201
-
Service charges and fees
-
-
496
Earnings on bank-owned life insurance
469
221
287
Unrealized gain (loss) on equity securities
79
65
-4
Recovery on previously impaired investment securities
1
1
1
Earnings on annuity assets
24
23
-
Other
18
16
11
Total non-interest income
1,065
800
791
Salaries and employee benefits
2,855
2,854
2,742
Occupancy and equipment
630
615
680
Data processing
514
457
436
Professional services
303
251
361
Telephone and communications
76
79
-
Fdic insurance
78
74
130
Postage and supplies
94
57
62
Advertising
18
15
11
Other
275
223
391
Total non-interest expense
4,843
4,625
4,813
Income before income taxes
2,846
2,297
1,590
Income tax expense
487
378
258
Net income
2,359
1,919
1,332
Basic EPS
0.32
0.34
0.24
Diluted EPS
0.32
0.34
0.24
Basic Average Shares
7,386,783
5,667,176
5,638,836
Diluted Average Shares
7,395,351
5,669,972
5,638,836
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Time Plot
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Income Statement
Loans, including fees
$8,193K
(5.99%↑ Y/Y)
Interest-earning deposits
$793K
Investment securities,
tax-exempt
$199K
(-8.29%↓ Y/Y)
Investment securities,
taxable
$166K
(-11.70%↓ Y/Y)
Total interest income
$9,351K
(5.65%↑ Y/Y)
Net interest income
$6,355K
(18.06%↑ Y/Y)
Credit to provision for
credit losses
-$269K
(-17.47%↓ Y/Y)
Earnings on bank-owned
life insurance
$469K
(63.41%↑ Y/Y)
Service charges and fees
$276K
(-44.35%↓ Y/Y)
Debit card fees
$198K
Unrealized gain (loss) on
equity securities
$79K
(2075.00%↑ Y/Y)
Earnings on annuity
assets
$24K
Other
$18K
(63.64%↑ Y/Y)
Recovery on previously
impaired investment...
$1K
(0.00%↑ Y/Y)
Total interest
expense
$2,996K
(-13.61%↓ Y/Y)
Net interest income
after credit to...
$6,624K
(18.03%↑ Y/Y)
Total non-interest
income
$1,065K
(34.64%↑ Y/Y)
Deposits
$2,966K
(-10.64%↓ Y/Y)
Long-term debt
$18K
(-87.05%↓ Y/Y)
Finance lease and other
$12K
(20.00%↑ Y/Y)
Income before income
taxes
$2,846K
(78.99%↑ Y/Y)
Total non-interest
expense
$4,843K
(0.62%↑ Y/Y)
Net income
$2,359K
(77.10%↑ Y/Y)
Income tax expense
$487K
(88.76%↑ Y/Y)
Salaries and employee
benefits
$2,855K
(4.12%↑ Y/Y)
Occupancy and equipment
$630K
(-7.35%↓ Y/Y)
Data processing
$514K
(17.89%↑ Y/Y)
Professional services
$303K
(-16.07%↓ Y/Y)
Other
$275K
(-29.67%↓ Y/Y)
Postage and supplies
$94K
(51.61%↑ Y/Y)
Fdic insurance
$78K
(-40.00%↓ Y/Y)
Telephone and
communications
$76K
Advertising
$18K
(63.64%↑ Y/Y)
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Lake Shore Bancorp, Inc. MD (LSBK)
Lake Shore Bancorp, Inc. MD (LSBK)