D/L Composition

LAKE SHORE BANCORP, INC. (NASDAQ - LSBK)

	2009 Y	2010 Y	2011 Y	2012 Y
Period Ended	12/31/2009	12/31/2010	12/31/2011	12/31/2012
Loan Composition (%)
Total Gross Loans ($000)	260,738	263,984	276,434	274,739
Gross Loans HFI Growth	7.77	1.24	4.72	(0.61)

Deposit Composition (%)
Total Deposits ($000)	318,414	375,785	379,798	378,543
Deposit Growth	8.58	18.02	1.07	(0.33)


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Lake Shore Bancorp Inc (LSBK:NASDAQ GM) $11.52

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