Lake Sunapee Bank Group
Financials · Savings Institution, Federally Chartered · DE · SEC filings ↗ · Compare ⊕
Financials
SEC XBRL · annual| FY15 | FY14 | FY13 | FY12 | FY11 | FY10 | |
|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — |
| Net income | $2.3M | $2.1M | $8.4M | $7.8M | $7.7M | $7.9M |
| Total assets | $1.52B | $1.50B | $1.42B | $1.27B | $1.04B | $995.1M |
| Total liabilities | $1.38B | $1.36B | $1.27B | $1.14B | $933.2M | $902.7M |
| Equity | $136.7M | $139.8M | $149.3M | $129.5M | $108.7M | $92.4M |
| EPS (diluted) | $0.28 | $0.25 | $1.11 | $1.20 | $1.20 | $1.29 |
| Shares out. | 8.3M | 8.2M | 7.1M | 5.8M | 5.8M | 5.8M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2015- Operating margin
- —
- Net margin
- —
- Return on equity
- 1.7%
- Return on assets
- 0.2%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 91.0%
- Debt / equity
- 10.11×
- Book value / share
- $16.54
- Revenue growth (YoY)
- —
- Net income growth (YoY)
- 7.5%
Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.
Financial health
forensic scores · FY2015- Accruals / assets
- −1.0%clean
- Piotroski F-Score
- 4/6mixed
Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.
Quality score
EDS ScoreOur own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast. What these scores mean →
Signs
● 1 warning● 2 good- High leverage (liabilities > 70% of assets)
- Positive operating cash flow
- Clean earnings (low accruals)
Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.
Insider transactions
SEC Form 4 · most recent| Insider | Date | Type | Shares | Price |
|---|---|---|---|---|
| Jacobi LauraOfficer — Executive Vice President | Jan 13, 2017 | Tax withholding | 1,094 | $21.64 |
| Willey Joseph BDirector | Jan 13, 2017 | D | 54,524 | — |
| Lovely Peter RDirector | Jan 13, 2017 | D | 8,938 | — |
| Ensign Stephen WDirector | Jan 13, 2017 | D | 67,949 | — |
| Dimick Steven H.Director | Jan 13, 2017 | D | 5,849 | — |
| Whitaker Sharon LOfficer — Chief Credit Officer | Jan 13, 2017 | Tax withholding | 1,094 | $21.64 |
| Mciver William J.Officer — EVP and COO | Jan 13, 2017 | Tax withholding | 1,343 | $21.64 |
| Theroux Stephen ROfficer — President and CEO | Jan 13, 2017 | D | 45,878 | — |
| Stabile John P IiDirector | Jan 13, 2017 | D | 6,600 | — |
| Frasca Stephen J.Director | Jan 13, 2017 | D | 27,170 | — |
| Feeney Catherine ADirector | Jan 13, 2017 | D | 4,900 | — |
| Nelson Jack HDirector | Jan 13, 2017 | D | 17,125 | — |
Headline trade per Form 4 (officers, directors, 10%+ owners). Buy/sell read from the filing's structured data — blank where a field isn't cleanly tagged.
Material events
SEC Form 8-K · most recent- Shareholder voteOct 25, 2016
- Results of operationsOct 20, 2016
- Results of operationsJul 19, 2016
- Shareholder voteMay 16, 2016
- Entered a material agreement · Director / officer changeMay 9, 2016
- Regulation FD disclosure · Other material eventMay 5, 2016
- Results of operationsApr 19, 2016
- Director / officer changeMar 14, 2016
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.
Recent SEC filings
All filings ↗- 4FORM 4 SUBMISSIONJan 18, 2017
- 4FORM 4 SUBMISSIONJan 18, 2017
- 4FORM 4 SUBMISSIONJan 18, 2017
- 4FORM 4 SUBMISSIONJan 18, 2017
- 4FORM 4 SUBMISSIONJan 18, 2017
- 4PRIMARY DOCUMENTJan 18, 2017
- 4PRIMARY DOCUMENTJan 18, 2017
- 4PRIMARY DOCUMENTJan 18, 2017
- 4PRIMARY DOCUMENTJan 18, 2017
- 4PRIMARY DOCUMENTJan 18, 2017
- 4PRIMARY DOCUMENTJan 18, 2017
- 4PRIMARY DOCUMENTJan 18, 2017
- 4PRIMARY DOCUMENTJan 18, 2017
- 4FORM 4 SUBMISSIONJan 18, 2017
- 25-NSEJan 13, 2017
Event-driven situations (1)
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