Call reports 2026
LAKE SHORE BANK — 2026
What LAKE SHORE BANK reported to the FFIEC in 2026, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Total assets | 721,509,000 | 735,882,000 |
| Total loans | 558,692,000 | 563,077,000 |
| Allowance for loan losses | 4,799,000 | 4,747,000 |
| Securities available for sale | 54,179,000 | 53,567,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 587,515,000 | 599,082,000 |
| Interest-bearing deposits | 496,371,000 | 502,522,000 |
| Noninterest-bearing deposits | 91,144,000 | 96,560,000 |
| Equity capital | 118,373,000 | 121,370,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Interest income | 9,103,000 | 18,549,000 |
| Interest expense | 2,484,000 | 5,068,000 |
| Net interest income | 6,619,000 | 13,481,000 |
| Noninterest income | 649,000 | 1,330,000 |
| Noninterest expense | 5,003,000 | 9,736,000 |
| Provision for loan losses | -77,000 | -128,000 |
| Pretax income | 2,378,000 | 5,070,000 |
| Income tax | 440,000 | 938,000 |
| Net income | 1,938,000 | 4,132,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 126,765,000 | 129,085,000 |