Stephen Theroux - Lake Sunapee Chairman

Chairman

Mr. Stephen R. Theroux is Vice Chairman of the Board President Chief Executive Officer of Company. Stephen R. Theroux was our Vice Chairman since 2002 our President since 2008 and on June 1 2012 became our Chief Executive Officer. He has served as a director of our Board since 1989. In addition Mr. Theroux is serving as the President and Chief Executive Officer of the Bank and was a director of the Bank since 1986. He is also currently Chairman of the board of directors of Charter Trust Company a company engaged in the business of trust and investment management. Mr. Theroux previously served as Corporationrationrate Secretary until 2009 as Chief Financial Officer until June 2011 and as Chief Operating Officer until June 2012 of both our Company and the Bank since 2012.
Age 65
Tenure 12 years
Phone603 863-0886
Webwww.lakesunapeebankgroup.com
Theroux’s strong knowledge of our daytoday operations and industry, and his over 37 years of experience in various operational and financial management responsibilities in the banking and educational industries provide him with the qualifications and skills to serve as a director.

Lake Sunapee Management Efficiency

Lake Sunapee's management efficiency ratios could be used to measure how well Lake Sunapee manages its routine affairs as well as how well it operates its assets and liabilities.
The company currently holds 260.69 M in liabilities with Debt to Equity (D/E) ratio of 13.71, indicating the company may have difficulties to generate enough cash to satisfy its financial obligations. Debt can assist Lake Sunapee until it has trouble settling it off, either with new capital or with free cash flow. So, Lake Sunapee's shareholders could walk away with nothing if the company can't fulfill its legal obligations to repay debt. However, a more frequent occurrence is when companies like Lake Sunapee Bank sell additional shares at bargain prices, diluting existing shareholders. Debt, in this case, can be an excellent and much better tool for Lake to invest in growth at high rates of return. When we think about Lake Sunapee's use of debt, we should always consider it together with cash and equity.

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Lake Sunapee Bank Group operates as the holding company for Lake Sunapee Bank, fsb that offer a range of banking services to small and middlemarket businesses, and individuals. Lake Sunapee Bank (LSBG) is traded on NASDAQ Exchange in USA and employs 288 people.

Management Performance

Lake Sunapee Bank Leadership Team

Elected by the shareholders, the Lake Sunapee's board of directors comprises two types of representatives: Lake Sunapee inside directors who are chosen from within the company, and outside directors, selected externally and held independent of Lake. The board's role is to monitor Lake Sunapee's management team and ensure that shareholders' interests are well served. Lake Sunapee's inside directors are responsible for reviewing and approving budgets prepared by upper management to implement core corporate initiatives and projects. On the other hand, Lake Sunapee's outside directors are responsible for providing unbiased perspectives on the board's policies.
Sharon Whitaker, Chief Credit Officer and First Sr. VP
William Horn, Independent Director
Peter Lovely, Independent Director
Stephen Frasca, Independent Director
John Stabile, Independent Director
Joseph Willey, Independent Director
Stephen Ensign, Executive Chairman, Chairman of Corporate Governance Committee, Chairman of Executive Committee and Chairman of Lake Sunapee Bank
Laura Jacobi, CFO, Chief Accounting Officer, First Sr. VP, Corporate Secretary, CFO of Lake Sunapee Bank FSB, Chief Accounting Officer of Lake Sunapee Bank FSB and Sr. VP of Accounting and Fin. - Lake Sunapee Bank FSB
Leonard Cashman, Independent Director
Stephen Theroux, Vice Chairman, CEO and President Member of Executive Committee and Member of Corporate Governance Committee
Catherine Feeney, Independent Director
Steven Dimick, Independent Director
William McIver, COO, CIO, Executive VP, COO of Lake Sunapee Bank and Executive VP of Lake Sunapee Bank
Jack Nelson, Independent Director

Lake Stock Performance Indicators

The ability to make a profit is the ultimate goal of any investor. But to identify the right stock is not an easy task. Is Lake Sunapee a good investment? Although profit is still the single most important financial element of any organization, multiple performance indicators can help investors identify the equity that they will appreciate over time.
Some investors attempt to determine whether the market's mood is bullish or bearish by monitoring changes in market sentiment. Unlike more traditional methods such as technical analysis, investor sentiment usually refers to the aggregate attitude towards Lake Sunapee in the overall investment community. So, suppose investors can accurately measure the market's sentiment. In that case, they can use it for their benefit. For example, some tools to gauge market sentiment could be utilized using contrarian indexes, Lake Sunapee's short interest history, or implied volatility extrapolated from Lake Sunapee options trading.

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Check out Correlation Analysis to better understand how to build diversified portfolios. Also, note that the market value of any company could be tightly coupled with the direction of predictive economic indicators such as signals in bureau of labor statistics.
Note that the Lake Sunapee Bank information on this page should be used as a complementary analysis to other Lake Sunapee's statistical models used to find the right mix of equity instruments to add to your existing portfolios or create a brand new portfolio. You can also try the Portfolio Optimization module to compute new portfolio that will generate highest expected return given your specified tolerance for risk.

Other Consideration for investing in Lake Stock

If you are still planning to invest in Lake Sunapee Bank check if it may still be traded through OTC markets such as Pink Sheets or OTC Bulletin Board. You may also purchase it directly from the company, but this is not always possible and may require contacting the company directly. Please note that delisted stocks are often considered to be more risky investments, as they are no longer subject to the same regulatory and reporting requirements as listed stocks. Therefore, it is essential to carefully research the Lake Sunapee's history and understand the potential risks before investing.
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