Call report 2025Q4
LAKE SHORE BANK — 2025Q4
The 22 measures LAKE SHORE BANK reported to the FFIEC for 2025Q4, each linked to its source filing.
Balance sheet
What the bank holds and owes at quarter end
| Measure | Value | Unit | Source |
|---|---|---|---|
| Total assets | 727,591,000 | USD | evidence → |
| Total loans | 560,334,000 | USD | evidence → |
| Allowance for loan losses | 4,884,000 | USD | evidence → |
| Securities available for sale | 56,138,000 | USD | evidence → |
| Securities held to maturity | 0 | USD | evidence → |
| Trading assets | 0 | USD | evidence → |
| Total deposits | 595,739,000 | USD | evidence → |
| Interest-bearing deposits | 499,549,000 | USD | evidence → |
| Noninterest-bearing deposits | 96,190,000 | USD | evidence → |
| Equity capital | 116,993,000 | USD | evidence → |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | Value | Unit | Source |
|---|---|---|---|
| Interest income | 36,509,000 | USD | evidence → |
| Interest expense | 11,933,000 | USD | evidence → |
| Net interest income | 24,576,000 | USD | evidence → |
| Noninterest income | 2,853,000 | USD | evidence → |
| Noninterest expense | 18,830,000 | USD | evidence → |
| Provision for loan losses | -227,000 | USD | evidence → |
| Pretax income | 8,944,000 | USD | evidence → |
| Income tax | 1,552,000 | USD | evidence → |
| Net income | 7,392,000 | USD | evidence → |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | Value | Unit | Source |
|---|---|---|---|
| Tier 1 capital | 124,696,000 | USD | evidence → |