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Content analysis
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H.S. freshman Avg
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New words:
Ballard, belief, benchmark, character, comment, concession, deviate, effecient, encounter, fault, Fed, footprint, forgive, FRB, heavily, impending, interruption, Kevin, leaving, ledger, liberal, live, mathematical, matrix, modification, necessitated, NRSRO, OCC, occurrence, outsource, passage, petition, plastic, putting, rapid, reclassification, refund, requested, rulemaking, run, Sanvidge, scale, scenario, school, scrutiny, sense, seventeen, software, speed, stakeholder, strive, SUNY, Supervison, supposed, Susan, TDR, track, undergoing, underscored, uniformly, University, unreasonable, vendor, view, vulnerable, whichever, window, wording
Removed:
AAA, adjust, affiliated, amounting, annually, backing, brokered, CPP, deteriorating, dictate, disclose, emergency, evidenced, exercisable, fee, foregoing, forfeiture, forty, HSBC, implemented, inactive, mismatch, notify, notional, participating, peak, pretax, prevail, protect, realizability, relief, renewable, Secretary, sector, sentiment, shifted, Stabilization, stabilize, subprime, top, voluntary, weather
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Exhibit 21.1
Subsidiaries of Lake Shore Bancorp, Inc.
| Company | Percent Owned | |
| Lake Shore Savings Bank | 100.0% by Lake Shore Bancorp, Inc. |