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Lake Shore Bancorp, Inc.  (LSBK)
Other Ticker:  
    Sector  Financial    Industry S&Ls Savings Banks
   Industry S&Ls Savings Banks
   Sector  Financial

Lake Shore Bancorp's Customers Performance


LSBK's Source of Revenues

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Lake Shore Bancorp's Customers have recorded an advance in their cost of revenue by 8.4 % in the 2 quarter 2018 year on year, sequentially costs of revenue grew by 11.42 %, for the same period Lake Shore Bancorp, Inc. recorded revenue increase by 0.2 % year on year, sequentially revenue grew by 2.1 %.

List of LSBK Customers

Customers Net Income grew in Q2 by Customers Net margin grew to
163.17 % 9.48 %

Lake Shore Bancorp's Customers, Q2 2018 Revenue Growth By Industry
Customers in Construction Services Industry      17.33 %
Customers in Miscellaneous Manufacturing Industry      1.05 %
Customers in Auto & Truck Parts Industry      6.16 %
Customers in Agricultural Production Industry      10.51 %
Customers in Consumer Financial Services Industry      51.43 %
Customers in Life Insurance Industry -2.88 %   
Customers in Property & Casualty Insurance Industry -5.64 %   
Customers in Real Estate Investment Trusts Industry -10.45 %   
Customers in Department & Discount Retail Industry      7.11 %
• Customers Valuation • Segment Rev. Growth • Segment Inc. Growth • Customers Mgmt. Effect.

Lake Shore Bancorp's Comment on Sales, Marketing and Customers

Our operations are conducted out of our corporate headquarters and main branch office in Dunkirk, New York and ten other branch offices. Our branches in Chautauqua County, New York are located in Dunkirk, Fredonia, Jamestown, Lakewood and Westfield. In Erie County, New York our branch offices are located in Depew, East Amherst, Hamburg, Kenmore, Orchard Park, and Snyder. Our first branch office in Erie County opened during April 2003 and the most recent branch office opened in April 2013. We also have seven stand-alone ATMs. The opening of six branch offices in Erie County, New York since 2003 demonstrates the implementation of our growth strategy which is focused on expansion within Erie County while preserving our market share in Chautauqua County.

Our geographic market area for loans and deposits is principally located within Chautauqua and Erie Counties, New York. Chautauqua County is located on Lake Erie in the western portion of New York and is approximately 45 miles from Buffalo, New York. Chautauqua County is served by four accredited hospitals and offers higher education opportunities at the State University of New York (SUNY) at Fredonia, a four year liberal arts school, and at SUNY Jamestown, a community college. Chautauqua County features tourist areas near Chautauqua Lake, but it also hosts a broad diversity of industry, commercial establishments and financial institutions as well as a skilled and productive workforce. Jamestown, New York, where we opened the first of two branch offices in 1996, is the most populous city in Chautauqua County.

Erie County is a metropolitan center located on the western border of New York. Located within Erie County is the city of Buffalo, the second largest city in the State of New York. As the city of Buffalo has redeveloped, so too have its suburbs throughout Erie County, which also host the Buffalo Niagara International Airport in Cheektowaga, New York and professional sports franchises. One of the main commercial thorough-fares in Erie County is Transit Road, which has experienced robust development in recent years and is the location of one of our branch offices.

The demographic characteristics of our market area are less attractive than national and state measures. Both Chautauqua and Erie Counties exhibit slower rates of population growth when compared to the United States and New York State averages. In addition, both Chautauqua and Erie Counties have lower per capita income when compared to the United States and the New York State averages. Projected growth in per capita income for Chautauqua County is expected to be slow, but Erie County is projected to have higher per capita income growth in the next five years. Since Chautauqua County has historically exhibited less attractive demographic characteristics, we may have limited growth opportunities in Chautauqua County. However, Erie County displays a stronger housing market than Chautauqua County and Erie County’s population base is five times larger than Chautauqua County, which offers us an expanded source of new customers in the form of deposit and lending opportunities. Furthermore, Erie County is currently exhibiting strong economic development and job growth. Our primary market area has historically been stable, with a diversified base of employers and employment sectors. The local economies that we serve are not dependent on one key employer. Transportation equipment is the largest manufacturing industry in the Buffalo area, as well as production of automobile component parts. The principal employment sectors are service-related, wholesale and retail trade, and durable-goods manufacturing. Most of the job opportunities in Chautauqua and Erie Counties have been in service-related industries, and service jobs now account for the largest portion of the workforce.

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LSBK's vs. Customers, Data

(Revenue and Income for Trailing 12 Months, in Millions of $, except Employees)

Lake Shore Bancorp, Inc. LSBK 107 19 3 104
Genworth Financial Inc GNW 2,141 8,175 854 5,300
Mgic Investment Corp MTG 5,094 1,090 478 800
Mbia Inc MBI 1,002 369 -548 252
American International Group Inc AIG 50,109 47,729 -6,505 65,000
Horton D R Inc DHI 16,260 15,722 1,307 5,621
Kb Home KBH 2,566 4,520 121 1,590
Lgi Homes, Inc. LGIH 1,261 1,470 144 390
William Lyon Homes WLH 698 2,008 87 585
New Home Co Inc. NWHM 181 761 14 234
Meritage Homes Corp MTH 1,776 3,372 176 1,409
Nvr Inc NVR 8 6,811 656 4,300
Beazer Homes Usa Inc BZH 367 2,012 -72 1,063
Mdc Holdings Inc MDC 1,765 2,649 188 905
M I Homes Inc MHO 735 2,094 84 1,008
Hovnanian Enterprises Inc HOV 250 2,098 -30 2,078
Toll Brothers Inc TOL 5,491 6,716 629 3,900
Lennar Corp LEN 15,215 14,744 841 6,825
Av Homes, Inc. AVHI 492 855 -24 214
Taylor Morrison Home Corp TMHC 2,178 3,986 192 113
Tri Pointe Group, Inc. TPH 2,034 3,527 253 1,036
Ucp, Inc. UCP -181 412 16 173
Wci Communities, Inc. WCIC 0 0 0 689
Century Communities, Inc. CCS 827 1,837 80 510
Green Brick Partners, Inc. BIOF 0 533 40 200
Calatlantic Group, Inc. CAA 6,611 2,451 172 2,850
Deer Valley Corp DVLY 0 0 0 200
Ryland Group Inc RYL 0 0 0 1,502
Vanjia Corporation VNJA 0 0 0 1
Nobility Homes Inc NOBH 88 40 4 129
Pricesmart Inc PSMT 2,550 3,122 75 0
Ddr Corp DDR 2,332 882 -276 589
Fresh Del Monte Produce Inc FDP 1,713 4,285 41 47,000
Winnebago Industries Inc WGO 1,157 1,936 97 2,900
Thor Industries Inc THO 4,707 8,329 374 10,450
Wmih Corp. WMIH 274 10 22 4
Arch Capital Group Ltd. ACGL 12,476 5,595 579 2,030
Essent Group Ltd. ESNT 4,360 653 464 366
Nmi Holdings, Inc. NMIH 1,564 230 58 243
Radian Group Inc. RDN 4,459 1,241 395 1,881
Drew Industries Inc DW 0 0 0 6,576
Horizon Global Corp HZN 193 886 -140 2,700
Tower International, Inc. TOWR 669 2,120 51 8,300
Limoneira Co LMNR 456 131 21 276
Royal Hawaiian Orchards, L.p. NNUTU 55 29 5 262
Trhf Co Limited, Inc. TRHF 0 0 0 5
SUBTOTAL 153,933 165,429 925 192,459

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