Company Information

  

Address: 31 EAST FOURTH STREET  
City: DUNKIRK 
State: NY 
Zip Code: 14048 
Telephone: 716-366-4070 

Description of Business

Primary SIC Code: 6035
(As filed with the SEC)  

Lake Shore Bancorp, Inc. ("Lake Shore Bancorp," the "Company," "us," or "we") operates as a mid-tier, federally chartered savings and loan holding company for Lake Shore Savings Bank ("Lake Shore Savings" or the "Bank"). A majority of Lake Shore Bancorp's issued and outstanding common stock (59.7% as of December 31, 2016) is held by Lake Shore, MHC (the "MHC"), a federally chartered mutual holding company, which serves as the parent company to Lake Shore Bancorp. The MHC does not engage in any substantial business activity other than its investment in a majority of the common stock of Lake Shore Bancorp. The Board of Governors of the Federal Reserve System (the "Federal Reserve Board") is the regulator for the MHC. Federal law and regulations require that as long as the MHC is in existence, it must own at least a majority of Lake Shore Bancorp's common stock.  ... More ...  

Per Share Overview

Date 12-mos Rolling EPS Dividend P/E Ratio
03/20170.370.08042.10
12/20160.58NA28.05
09/20160.710.07019.06
06/20160.790.07016.49
03/20160.800.07016.61
12/20150.56NA23.93
09/20150.560.07024.11
06/20150.470.07028.57

Key Financial Ratios and Statistics

FYE: 12/31

Profitability 2016 Leverage 2016
Net Inc/Comm Equity0.15Total Liab/Total Assets0.84
Net Inc/Total Assets0.01Total Liab/Inv Cap0.84
Net Inc/Inv Cap0.01Total Liab/Comm Equity17.73
Pretax Inc/Net Sales0.20Interest Coverage Ratio10.25
Net Inc/Net Sales0.16Curr Debt/EquityNA
Cash Flow/Net Sales0.20LTD/EquityNA
SG&A/NetSales0.64Total Debt/EquityNA
Asset Utilization   Liquidity  
Net Receivables Turnover13.29Quick RatioNA
Inventory TurnoverNACurrent RatioNA
Inventory Day SalesNANet Rec/Curr AssetsNA
Net Sales/Work CapNAInv/Curr AssetsNA
Net Sales/PP&E2.47  

Income Statement (Millions)

  6/30/2017 3/31/2017 12/31/2016 9/30/2016
Total Revenues(Net Sales) 5.58 5.39 5.01 5.06
Cost of Goods Sold 0.50 0.48 0.46 0.45
Selling & Admin Exps 3.50 3.58 3.57 3.42
Operating Income NA NA NA NA
Interest Exp 0.12 0.11 0.12 0.12
Pretax Income 1.44 0.87 0.06 0.95
Other Income NA NA NA NA
Net Income Bef Extraordinary ... NA NA NA NA
Net Income 1.14 0.72 0.14 0.76

Balance Sheet (Millions)

Assets 6/30/2017 3/31/2017 12/31/2016 9/30/2016
Cash & Short Term Investments 110.50 118.86 133.15 130.87
Receivables - Total 1.63 1.80 1.60 1.73
Inventories - Total NA NA NA NA
Total Current Assets NA NA NA NA
Net Property, Plant & Equipment 9.27 8.63 8.75 8.74
Total Assets 504.92 493.87 489.17 478.43
Liabilities        
Accounts Payable NA NA NA NA
Debt in Current Liabilities NA NA NA NA
Total Current Liabilities NA NA NA NA
Long-Term Debt NA NA NA NA
Total Liabilities 427.51 417.27 413.14 401.11
Stockholder's Equity        
Minority Interest NA NA NA NA
Preferred Stock NA NA NA NA
Common Stock 0.07 0.07 0.07 0.07
Retained Earnings 55.03 54.08 53.55 53.57
Treasury Stock -7.24 -7.03 -7.30 -7.17
Total Stockholders' Equity 77.41 76.60 76.03 77.33
Total Liabilities and Stockholders' Equity 504.92 493.87 489.17 478.43

Cash Flow Summary (Millions)

Categories 6/30/2017 3/31/2017 12/31/2016 9/30/2016
Net Cash Provided by Operating Activities 1.37 1.25 0.75 1.51
Net Cash Provided by Investing Activities -12.56 -16.64 -6.24 -2.43
Net Cash Provided by Financing Activities 10.27 3.80 12.49 -1.80

Annual Summary Data (Millions)

Year Sales Net Income EPS
12/201221.683.630.64
12/201320.713.740.65
12/201420.113.160.55
12/201520.293.340.56
12/201621.593.520.58
Growth Rates-0.11-0.77-2.43

Stock Ownership

Type Date(Q,M) No. Owners Shares Held (000s) % Own
Institutional09/30/171487014.26




Report Date : 10/16/2017

Powered By Edgar Online © 2017EDGAR®Online, a division of Donnelley Financial Solutions. EDGAR® is a federally registered trademark of the U.S. Securities and Exchange Commission. EDGAR Online is not affiliated with or approved by the U.S. Securities and Exchange Commission.