| Weiss Ratings |
Lake Shore Bank
Dunkirk, NY |
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| Rating | ||||
| Asset Quality Index | 8.70 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 0.90 | |||
| Profitability Index | 5.00 | |||
| 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 | 0.26% | |||
| 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 | 0.33% | |||
| Non-Performing Loans to Capital | 1.41% | |||
| Non-Performing Loans to Loans | 0.42% | |||
| Balance Sheet |
Lake Shore Bank
Dunkirk, NY |
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| Total Assets | 735.88M | |||
| Total Deposits | 599.08M | |||
| Capital and Reserves |
Lake Shore Bank
Dunkirk, NY |
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| Capital | 121.37M | |||
| Leverage Ratio | 17.43 | |||
| Loan Loss Reserves to Loans | 0.84% | |||
| Risk-Based Capital Ratio | -- | |||
| Liquidity |
Lake Shore Bank
Dunkirk, NY |
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| Hot Money Ratio | 19.32% | |||
| Liquidity Ratio | 19.76% | |||
| Profitability |
Lake Shore Bank
Dunkirk, NY |
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| 5-Year Return on Average Assets | 0.84% | |||
| Net Income | 4.13M | |||
| Net Interest Spread | 3.98% | |||
| Operating Profit to Average Assets | 1.39% | |||
| Overhead Efficiency Ratio | 65.73% | |||
| Return on Assets | 1.13% | |||
| Return on Equity | 6.96% | |||