Lake Shore Bancorp, Inc. (LSBK) quarterly income statement — complete revenue, gross profit & net income history
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 | Q3'21 | Q2'21 |
|---|
| Net Interest Income | 6.66M | 6.62M | 6.36M | 6.12M | 5.46M | 5.34M | 5.38M | 5.21M | 5.13M | 5.56M | 6.29M | 6.21M | 6.29M | 6.55M | 6.34M | 5.98M | 5.47M | 5.46M | 5.84M | 5.43M |
| NII Growth % | 21.87% | 24.01% | 18.06% | 17.6% | 6.47% | -3.92% | -14.49% | -16.22% | -18.41% | -15.12% | -0.79% | 3.95% | 15.05% | 20.01% | 8.7% | 10.07% | 3.76% | 7.19% | 18.93% | 7.8% |
| Net Interest Margin % | 0.92% | 0.91% | 0.86% | 0.83% | 0.79% | 0.78% | 0.77% | 0.73% | 0.72% | 0.77% | 0.88% | 0.87% | 0.86% | 0.94% | 0.91% | 0.86% | 0.77% | 0.76% | 0.82% | 0.76% |
| Interest Income | 9.05M | 9.46M | 9.35M | 9.11M | 8.37M | 8.59M | 8.85M | 8.75M | 8.61M | 8.61M | 8.72M | 8.47M | 7.95M | 7.47M | 6.92M | 6.43M | 5.93M | 5.97M | 6.46M | 6.17M |
| Interest Expense | 2.4M | 2.83M | 3M | 2.98M | 2.9M | 3.25M | 3.47M | 3.55M | 3.48M | 3.06M | 2.43M | 2.26M | 1.66M | 923K | 573K | 453K | 466K | 512K | 628K | 738K |
| Loan Loss Provision | -113K | 0 | -269K | 0 | 48K | -613K | -229K | -285K | -352K | -32K | -199K | -187K | -625K | 225K | 0 | 100K | 400K | 0 | 0 | 500K |
| Non-Interest Income | 703K | 683K | 1.06M | 800K | 724K | 1.07M | 791K | 738K | 707K | 923K | 605K | 553K | 554K | 584K | 668K | 720K | 732K | 978K | 707K | 683K |
| Non-Interest Income % | 7.2% | 6.74% | 10.22% | 8.08% | 7.96% | 11.06% | 8.2% | 7.77% | 7.59% | 9.68% | 6.49% | 6.13% | 6.51% | 7.25% | 8.81% | 10.07% | 10.98% | 14.08% | 9.86% | 9.97% |
| Total Revenue | 9.76M | 10.14M | 10.42M | 9.91M | 9.09M | 9.66M | 9.64M | 9.49M | 9.32M | 9.54M | 9.33M | 9.02M | 8.51M | 8.05M | 7.59M | 7.15M | 6.67M | 6.95M | 7.17M | 6.85M |
| Revenue Growth % | 7.34% | 5% | 8.03% | 4.37% | -2.42% | 1.27% | 3.39% | 5.2% | 9.54% | 18.39% | 22.94% | 26.18% | 27.59% | 15.97% | 5.77% | 4.36% | -3.07% | -2.68% | 7.16% | 1.48% |
| Non-Interest Expense | 5.12M | 4.96M | 4.84M | 4.63M | 4.88M | 5.27M | 4.81M | 4.9M | 5M | 5.2M | 5.2M | 5.9M | 5.52M | 5.47M | 4.87M | 4.58M | 4.53M | 4.21M | 4.49M | 4.39M |
| Efficiency Ratio | 52.5% | 48.92% | 46.5% | 46.68% | 53.66% | 54.61% | 49.92% | 51.59% | 53.62% | 54.56% | 55.72% | 65.4% | 64.87% | 67.9% | 64.2% | 64.01% | 67.99% | 60.68% | 62.66% | 64.14% |
| Operating Income | 2.35M | 2.35M | 2.85M | 2.3M | 1.26M | 1.75M | 1.59M | 1.33M | 1.2M | 1.31M | 1.9M | 1.05M | 1.95M | 1.44M | 2.14M | 2.02M | 1.27M | 2.22M | 2.05M | 1.22M |
| Operating Margin % | 24.11% | 23.13% | 27.32% | 23.19% | 13.89% | 18.07% | 16.49% | 14.03% | 12.85% | 13.74% | 20.41% | 11.67% | 22.96% | 17.85% | 28.25% | 28.26% | 19.02% | 31.95% | 28.58% | 17.79% |
| Operating Income Growth % | 86.3% | 34.38% | 78.99% | 72.45% | 5.51% | 33.21% | -16.45% | 26.5% | -38.71% | -8.9% | -11.2% | -47.9% | 54.02% | -35.2% | 4.54% | 65.79% | -36.19% | 49.33% | 40.7% | -23.14% |
| Pretax Income | 2.35M | 2.35M | 2.85M | 2.3M | 1.26M | 1.75M | 1.59M | 1.33M | 1.2M | 1.31M | 1.9M | 1.05M | 1.95M | 1.44M | 2.14M | 2.02M | 1.27M | 2.22M | 2.05M | 1.22M |
| Pretax Margin % | 24.11% | 23.13% | 27.32% | 23.19% | 13.89% | 18.09% | 16.49% | 14.03% | 12.85% | 13.74% | 20.41% | 11.67% | 22.96% | 17.85% | 28.25% | 28.26% | 19.02% | 31.95% | 28.58% | 17.79% |
| Income Tax | 430K | 411K | 487K | 378K | 206K | 278K | 258K | 216K | 183K | 561K | 332K | 237K | 269K | 246K | 372K | 337K | 207K | 404K | 359K | 226K |
| Effective Tax Rate % | 18.27% | 17.53% | 17.11% | 16.46% | 16.31% | 15.91% | 16.23% | 16.22% | 15.29% | 42.82% | 17.45% | 22.51% | 13.77% | 17.11% | 17.36% | 16.67% | 16.32% | 18.21% | 17.51% | 18.54% |
| Net Income | 1.92M | 1.93M | 2.36M | 1.92M | 1.06M | 1.47M | 1.33M | 1.12M | 1.01M | 749K | 1.57M | 816K | 1.68M | 1.19M | 1.77M | 1.68M | 1.06M | 1.81M | 1.69M | 993K |
| Net Margin % | 19.71% | 19.07% | 22.65% | 19.37% | 11.63% | 15.21% | 13.81% | 11.76% | 10.88% | 7.85% | 16.85% | 9.04% | 19.8% | 14.8% | 23.35% | 23.55% | 15.92% | 26.13% | 23.58% | 14.49% |
| Net Income Growth % | 81.93% | 31.65% | 77.1% | 71.95% | 4.24% | 96.13% | -15.21% | 36.76% | -39.79% | -37.16% | -11.29% | -51.54% | 58.72% | -34.33% | 4.73% | 69.59% | -37.14% | 46.02% | 37.37% | -26.61% |
| Net Income (Continuing) | 1.92M | 1.93M | 2.36M | 1.92M | 1.06M | 1.47M | 1.33M | 1.12M | 1.01M | 749K | 1.57M | 816K | 1.68M | 1.19M | 1.77M | 1.68M | 1.06M | 1.81M | 1.69M | 993K |
| EPS (Diluted) | 0.26 | 0.26 | 0.31 | 0.25 | 0.14 | 0.19 | 0.17 | 0.14 | 0.13 | 0.10 | 0.20 | 0.10 | 0.21 | 0.15 | 0.22 | 0.21 | 0.13 | 0.24 | 0.21 | 0.12 |
| EPS Growth % | 85.71% | 36.84% | 82.35% | 78.57% | 7.69% | 95.47% | -15% | 40% | -38.1% | -35.2% | -9.09% | -52.38% | 61.54% | -37.5% | 4.76% | 75% | -38.1% | 50% | 40% | -29.41% |
| EPS (Basic) | 0.26 | 0.26 | 0.31 | 0.25 | 0.14 | 0.19 | 0.17 | 0.14 | 0.13 | 0.10 | 0.20 | 0.10 | 0.21 | 0.15 | 0.22 | 0.21 | 0.13 | 0.24 | 0.21 | 0.12 |
| Diluted Shares Outstanding | 7.4M | 7.44M | 7.65M | 7.65M | 7.66M | 7.77M | 7.64M | 7.98M | 7.92M | 7.7M | 7.92M | 7.92M | 7.97M | 7.73M | 7.98M | 8M | 7.91M | 7.71M | 7.97M | 8.02M |