| Weiss Ratings |
Lake Shore Bank
Dunkirk, NY |
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| Rating | ||||
| Asset Quality Index | 8.00 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 0.90 | |||
| Profitability Index | 4.80 | |||
| Stability Index | 4.30 | |||
| Company Info |
Lake Shore Bank
Dunkirk, NY |
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| FDIC Number | 30530 | |||
| Phone Number | (716) 366-4070 | |||
| Website | mylsbank.com | |||
| Asset Quality |
Lake Shore Bank
Dunkirk, NY |
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| 1-Year Asset Growth | 6.19% | |||
| 5-Year Asset Growth | 1.20% | |||
| 5-Year Charge-Offs to Average Loans | 0.01% | |||
| Charge-Offs to Average Loans | 0.00% | |||
| Non-Performing Assets to Assets | 0.36% | |||
| Non-Performing Loans to Capital | 1.67% | |||
| Non-Performing Loans to Loans | 0.47% | |||
| Balance Sheet |
Lake Shore Bank
Dunkirk, NY |
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| Total Assets | 727.59M | |||
| Total Deposits | 595.74M | |||
| Capital and Reserves |
Lake Shore Bank
Dunkirk, NY |
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| Capital | 116.99M | |||
| Leverage Ratio | 16.65 | |||
| Loan Loss Reserves to Loans | 0.87% | |||
| Risk-Based Capital Ratio | -- | |||
| Liquidity |
Lake Shore Bank
Dunkirk, NY |
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| Hot Money Ratio | 18.77% | |||
| Liquidity Ratio | 19.20% | |||
| Profitability |
Lake Shore Bank
Dunkirk, NY |
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| 5-Year Return on Average Assets | 0.78% | |||
| Net Income | 7.39M | |||
| Net Interest Spread | 3.68% | |||
| Operating Profit to Average Assets | 1.24% | |||
| Overhead Efficiency Ratio | 68.65% | |||
| Return on Assets | 1.02% | |||
| Return on Equity | 7.48% | |||