Call reports 2025
LAKE SHORE BANK — 2025
What LAKE SHORE BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 688,370,000 | 733,962,000 | 743,916,000 | 727,591,000 |
| Total loans | 556,833,000 | 557,580,000 | 557,552,000 | 560,334,000 |
| Allowance for loan losses | 5,170,000 | 5,164,000 | 4,869,000 | 4,884,000 |
| Securities available for sale | 55,681,000 | 55,138,000 | 55,786,000 | 56,138,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 585,153,000 | 630,816,000 | 613,095,000 | 595,739,000 |
| Interest-bearing deposits | 493,114,000 | 536,181,000 | 523,941,000 | 499,549,000 |
| Noninterest-bearing deposits | 92,039,000 | 94,635,000 | 89,154,000 | 96,190,000 |
| Equity capital | 88,487,000 | 90,704,000 | 114,056,000 | 116,993,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 8,401,000 | 17,575,000 | 26,986,000 | 36,509,000 |
| Interest expense | 2,922,000 | 5,928,000 | 9,004,000 | 11,933,000 |
| Net interest income | 5,479,000 | 11,647,000 | 17,982,000 | 24,576,000 |
| Noninterest income | 637,000 | 1,293,000 | 2,213,000 | 2,853,000 |
| Noninterest expense | 4,733,000 | 9,258,000 | 13,974,000 | 18,830,000 |
| Provision for loan losses | 39,000 | 39,000 | -249,000 | -227,000 |
| Pretax income | 1,383,000 | 3,748,000 | 6,636,000 | 8,944,000 |
| Income tax | 238,000 | 630,000 | 1,137,000 | 1,552,000 |
| Net income | 1,145,000 | 3,118,000 | 5,499,000 | 7,392,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 98,438,000 | 100,442,000 | 122,649,000 | 124,696,000 |