GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Lake Shore Bancorp Inc (NAS:LSBK) » Definitions » Capital Adequacy Tier - Leverage Ratio %

Lake Shore Bancorp (Lake Shore Bancorp) Capital Adequacy Tier - Leverage Ratio % : 12.68% (As of Dec. 2023)


View and export this data going back to 2006. Start your Free Trial

What is Lake Shore Bancorp Capital Adequacy Tier - Leverage Ratio %?

Capital Adequacy Tier - Leverage Ratio % measures a bank's capital relative to its total assets. This ratio is a measure of a bank's financial health and suggests how leveraged a bank is based on its assets. A higher ratio indicates stronger financial footing.

Lake Shore Bancorp's Capital Adequacy Tier - Leverage Ratio % for the quarter that ended in Dec. 2023 was 12.68% , which is higher than 0.00% for the pervious quarter ended in Sep. 2023.

Lake Shore Bancorp's Capital Adequacy Tier - Leverage Ratio % for the annual that ended in Dec. 2023 was 12.68% , which is higher than 12.40% for the pervious year ended in Dec. 2022.

The historical rank and industry rank for Lake Shore Bancorp's Capital Adequacy Tier - Leverage Ratio % or its related term are showing as below:

LSBK's Capital Adequacy Tier - Leverage Ratio % is not ranked *
in the Banks industry.
Industry Median:
* Ranked among companies with meaningful Capital Adequacy Tier - Leverage Ratio % only.

Lake Shore Bancorp Capital Adequacy Tier - Leverage Ratio % Historical Data

The historical data trend for Lake Shore Bancorp's Capital Adequacy Tier - Leverage Ratio % can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

Lake Shore Bancorp Capital Adequacy Tier - Leverage Ratio % Chart

Lake Shore Bancorp Annual Data
Trend Dec19 Dec20 Dec21 Dec22 Dec23
Capital Adequacy Tier - Leverage Ratio %
Get a 7-Day Free Trial Premium Member Only Premium Member Only
Capital Adequacy Tier - Tier 1 Ratio %
Get a 7-Day Free Trial Premium Member Only Premium Member Only
Capital Adequacy Tier - Total Capital Ratio %
Get a 7-Day Free Trial Premium Member Only Premium Member Only
Efficiency Overhead Ratio %
Get a 7-Day Free Trial Premium Member Only Premium Member Only
Net Charge Offs to Average Loans %
Get a 7-Day Free Trial Premium Member Only Premium Member Only

Lake Shore BancorpQuarterly Data
Trend Mar19 Jun19 Sep19 Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23
Capital Adequacy Tier - Leverage Ratio %
Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only
Capital Adequacy Tier - Tier 1 Ratio %
Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only
Capital Adequacy Tier - Total Capital Ratio %
Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only
Net Charge Offs to Average Loans %
Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only

Competitive Comparison of Lake Shore Bancorp's Capital Adequacy Tier - Leverage Ratio %

For the Banks - Regional subindustry, Lake Shore Bancorp's Capital Adequacy Tier - Leverage Ratio %, along with its competitors' market caps and Capital Adequacy Tier - Leverage Ratio % data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Lake Shore Bancorp  (NAS:LSBK) Capital Adequacy Tier - Leverage Ratio % Calculation

Capital Adequacy Tier - Leverage Ratio % is calculated as

Capital Adequacy Tier - Leverage Ratio %=Capital / Total Assets

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.


Lake Shore Bancorp  (NAS:LSBK) Capital Adequacy Tier - Leverage Ratio % Explanation

Capital Adequacy Tier - Leverage Ratio % measures a bank's capital relative to its total assets. In this situation, total assets means a bank's total exposures, which include its consolidated assets, derivative exposure and certain off-balance sheet exposures.

The leverage ratio is used by regulators to ensure the capital adequacy of banks and to limit the degree to which banks can leverage its capital base. The higher the leverage ratio is, the more likely a bank can withstand negative shocks to its balance sheet.


Lake Shore Bancorp Capital Adequacy Tier - Leverage Ratio % Related Terms

Thank you for viewing the detailed overview of Lake Shore Bancorp's Capital Adequacy Tier - Leverage Ratio % provided by GuruFocus.com. Please click on the following links to see related term pages.


Lake Shore Bancorp (Lake Shore Bancorp) Business Description

Industry
Traded in Other Exchanges
N/A
Address
31 East Fourth Street, Dunkirk, NY, USA, 14048
Lake Shore Bancorp Inc operates as a savings and loan holdings company. The bank's business consists of attracting retail deposits from the general public in the areas surrounding its branch offices and investing those deposits, together with funds generated from operations, primarily in commercial real estate loans, one-to-four family residential mortgage loans, home equity lines of credit and, to a lesser extent, commercial business loans, consumer loans, and investment securities. Its revenues are principally derived from interest earned on loans and investment securities.
Executives
Kim C Liddell Dir., Pres. and CEO of Bank, other: Dir., Pres. and CEO of Bank 31 EAST FOURTH STREET, DUNKIRK NY 14048
Ronald J Passafaro director 31 EAST FOURTH STREET, DUNKIRK NY 14048
Kevin M. Sanvidge director, other: Chairman of the Board 128 EAST FOURTH STREET, DUNKIRK NY 14048
Ann M Segarra director 31 EAST FOURTH STREET, DUNKIRK NY 14048
Taylor Gilden officer: Chief Financial Officer 31 EAST FOURTH STREET, DUNKIRK NY 14048
John L Mehltretter director 31 EAST FOURTH STREET, DUNKIRK NY 14048
Jennifer L Zatkos officer: Chief Operating Officer 31 EAST FOURTH STREET, DUNKIRK NY 14048
Robert V Cortellucci officer: Chief Technology Officer 31 EAST FOURTH STREET, DUNKIRK NY 14048
Michelle M Debergalis director 31 EAST FOURTH STREET, DUNKIRK NY 14048
Catharine M Young director 31 EAST FOURTH STREET, DUNKIRK NY 14048
Tracy Steve Bennett director 125 EAST FOURTH STREET, DUNKIRK NY 14048
John P Mcgrath director 31 EAST FOURTH STREET, DUNKIRK NY 14048
Daniel P Reininga director, officer: President and CEO 125 EAST FOURTH STREET, DUNKIRK NY 14048
Jeffrey M. Werdein officer: EVP-Commercial Division 31 EAST FOURTH STREET, DUNKIRK NY 14048
Beverly Sutton officer: Internal Auditor 31 EAST FOURTH STREET, DUNKIRK NY 14048