0000721994-16-000073.txt : 20160725 0000721994-16-000073.hdr.sgml : 20160725 20160725085859 ACCESSION NUMBER: 0000721994-16-000073 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 3 CONFORMED PERIOD OF REPORT: 20160725 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20160725 DATE AS OF CHANGE: 20160725 FILER: COMPANY DATA: COMPANY CONFORMED NAME: LAKELAND FINANCIAL CORP CENTRAL INDEX KEY: 0000721994 STANDARD INDUSTRIAL CLASSIFICATION: STATE COMMERCIAL BANKS [6022] IRS NUMBER: 351559596 STATE OF INCORPORATION: IN FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 000-11487 FILM NUMBER: 161781123 BUSINESS ADDRESS: STREET 1: 202 E CENTER ST STREET 2: P O BOX 1387 CITY: WARSAW STATE: IN ZIP: 46581-1387 BUSINESS PHONE: 5742676144 MAIL ADDRESS: STREET 1: 202 E CENTER ST STREET 2: PO BOX 1387 CITY: WARSAW STATE: IN ZIP: 46581 8-K 1 lkfn8k.htm LAKELAND FINANCIAL FORM 8-K
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
______________
FORM 8-K
______________
CURRENT REPORT
Pursuant to Section 13 or 15(d) of the
Securities Exchange Act of 1934
Date of Report (Date of earliest event reported) July 25, 2016
______________
Lakeland Financial Corporation
(Exact name of Registrant as specified in its charter)
______________

Indiana
0-11487
35-1559596
(State or other jurisdiction
(Commission File Number)
(IRS Employer
Of incorporation)
 
Identification No.)

202 East Center Street, P.O. Box 1387, Warsaw, Indiana 46581-1387
(Address of principal executive offices) (Zip Code)
(574) 267-6144
(Registrant's telephone number, including area code)
Not Applicable
(Former name or former address, if changed since last report)
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:
[  ]  Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
[  ]  Solicitation material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
[  ]  Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR  240.14d-2(b)
[  ]  Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c)





Item 2.02. Results of Operations and Financial Condition
On July 25, 2016, Lakeland Financial Corporation issued a press release announcing its earnings for the three months and six months ended June 30, 2016. The news release is attached as Exhibit 99.1.
Item 9.01. Financial Statements and Exhibits
(d) Exhibits
99.1  Press Release dated July 25, 2016



SIGNATURES
Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.
LAKELAND FINANCIAL CORPORATION

Dated:  July 25, 2016                                                                                 By:   /s/Lisa M. O'Neill
                                                                                                                  Lisa M. O'Neill
                                                                                                                  Executive Vice President
                                                                                                                  and Chief Financial Officer
EX-99.1 2 ex99.htm PRESS RELEASE

FOR IMMEDIATE RELEASE Contact: Lisa M. O'Neill
                                                                   Executive Vice President and
                                                                   Chief Financial Officer
                                                                   (574) 267-9125
                                                                    lisa.oneill@lakecitybank.com
Lakeland Financial Reports
Record Performance
Second Quarter Net Income Increases 13 Percent
Warsaw, Indiana (July 25, 2016) – Lakeland Financial Corporation (Nasdaq Global Select/LKFN), parent company of Lake City Bank, today reported record quarterly net income of $12.8 million for the second quarter of 2016, an increase of 13%, versus $11.4 million for the second quarter of 2015. Diluted net income per common share of $0.76 for the second quarter of 2016 also represents a quarterly record and an increase of 12%, versus $0.68 for the comparable period of 2015. On a linked-quarter basis net income increased by 4% or $524,000 from $12.3 million for the first quarter ended March 31, 2016.

The company further reported record net income of $25.1 million for the six months ended June 30, 2016 versus $22.5 million for the comparable period of 2015, an increase of 11%. Diluted net income per common share was also a record for the period and increased 10% to $1.48 for the six months ended June 30, 2016 versus $1.34 for the comparable period of 2015.

David M. Findlay, President and CEO, commented, "The Lake City Bank team is very proud of this record quarterly and year-to-date performance. We continue to be focused on the healthy growth of our balance sheet and taking care of clients in our communities each and every day. It's a combination that has produced disciplined and strategic growth in our Indiana markets over a long period of time."

Highlights for the quarter are noted below:

2nd Quarter 2016 versus 2nd Quarter 2015 Highlights:

·
Organic average loan growth of $340 million or 12%
·
Average deposit growth of $371 million or 12%
·
Net interest income increase of $3.2 million or 12%
·
Continued strong asset quality with nonperforming assets to total assets at 0.24%
·
Tangible common equity increase of 12%

2nd Quarter 2016 versus 1st Quarter 2016 Highlights:

·
Organic average loan growth of $103 million or 3%
·
Core deposit growth of $160 million or 5%
·
Net interest income increase of $691,000 or 2%
·
Noninterest income increase of $1.0 million or 15%
·
Continued strong asset quality with loan loss reserve to nonperforming loans at 464%

1

Findlay noted, "We are particularly pleased with the continued loan and deposit growth that our retail and commercial banking teams are producing. At our core, we understand that an important part of our mission is to provide our clients with competitively priced and structured products and this overall growth is reflective of our success in delivering on this front."

As previously announced, the board of directors approved a cash dividend for the second quarter of $0.28 per share, payable on August 5, 2016, to shareholders of record as of July 25, 2016. The quarterly dividend represents a 14% increase over the $0.245 quarterly dividends paid in the last three quarters of 2015 and in the first quarter of 2016.

On July 13, 2016, the company further announced that the board of directors approved a three-for-two common stock split that will be paid on August 5, 2016 in the form of a stock dividend to shareholders of record as of July 25, 2016. All per share data presented in this press release is prepared on a pre-split basis.

Findlay observed, "We've built a strong balance sheet with a conservative capital position that also has allowed us to pay a consistently healthy dividend. We further believe that the stock split is a reflection of our long-term value creation for shareholders. Over the past 10 years, our total return for shareholders, which reflects stock price performance and dividends, has increased by approximately 175%."

Return on average total equity for the first six months of 2016 was 12.43% compared to 12.25% in the prior year period. Return on average assets for the first six months of 2016 was 1.29% compared to 1.30% in the same period of 2015. Total capital as a percent of assets was 13.65% at June 30, 2016, compared to 13.83% at June 30, 2015 and 13.72% at March 31, 2016. The company's tangible common equity to tangible assets ratio was 10.57% at June 30, 2016, compared to 10.44% at June 30, 2015 and 10.61% at March 31, 2016.

Average total loans for the second quarter of 2016 were $3.19 billion, an increase of $340.2 million, or 12%, versus $2.85 billion for the comparable period of 2015. Total loans outstanding grew $304.5 million, or 11%, from $2.89 billion as of June 30, 2015 to $3.20 billion as of June 30, 2016. On a linked quarter basis, average total loans increased by $103.2 million, or 3%, from $3.09 billion for the first quarter of 2016 to $3.19 billion for the second quarter of 2016.

Average total deposits for the second quarter of 2016 were $3.44 billion, an increase of $371.0 million, or 12%, versus $3.07 billion for the corresponding period of 2015. Total deposits grew $383.3 million, or 13%, from $3.02 billion as of June 30, 2015 to $3.40 billion as of June 30, 2016. In addition, total core deposits, which exclude brokered deposits, increased $391.3 million, or 13%, from $2.90 billion at June 30, 2015 to $3.29 billion at June 30, 2016.

The company's net interest margin was 3.24% in the second quarter of 2016, compared to 3.18% for the second quarter of 2015. The higher margin in the second quarter of 2016 was due to higher yields on both loans and securities, partially offset by a higher cost of funds. The net interest margin was 3.26% in the linked first quarter of 2016. On a quarter-linked basis, cost of funds increased by 3 basis points but was offset by improved earning asset yields of 1 basis point. The company's net interest margin for the six months ended June 30, 2016 was 3.24% compared to 3.23% in the prior year six month period.

Findlay further commented, "The absence of any action by the Federal Reserve Bank will continue to create challenges for the industry, and for Lake City Bank. While we are pleased with our net interest margin performance in 2016, we believe, pressure will continue until we see some relief in the form of rate action by the Federal Reserve Bank."

2

Net interest income increased $3.2 million, or 12%, to $29.3 million for the second quarter of 2016, versus $26.1 million in the second quarter of 2015. Net interest income for the six months ended June 30, 2016 increased $6.1 million, or 12%, to $57.9 million, versus $51.8 million for the six months ended June 30, 2015.

For the fourteenth consecutive quarter, the company did not record a provision for loan losses. The absence of a provision for loan losses was generally driven by continued stability in key loan quality metrics, including appropriate reserve coverage of nonperforming loans, a decrease in historical loss percentages, stable economic conditions in the company's markets and sustained signs of improvement in its borrowers' performance and future prospects. The company's allowance for loan losses as of June 30, 2016 was $43.2 million compared to $44.8 million as of June 30, 2015 and $43.3 million as of March 31, 2016. The allowance for loan losses represented 1.35% of total loans as of June 30, 2016 versus 1.55% at June 30, 2015 and 1.39% as of March 31, 2016. The allowance for loan losses as a percentage of nonperforming loans was 464% as of June 30, 2016, versus 312% as of June 30, 2015, and 571% as of March 31, 2016.

Nonperforming assets decreased $5.0 million, or 35%, to $9.6 million as of June 30, 2016 versus $14.6 million as of June 30, 2015. On a linked quarter basis, nonperforming assets were $1.7 million higher than the $7.8 million reported as of March 31, 2016. The increase in nonperforming assets from the linked quarter was primarily due to placing a single $2.0 million commercial credit in nonaccrual status. The ratio of nonperforming assets to total assets at June 30, 2016 declined to 0.24% from 0.41% at June 30, 2015 and was 0.21% at March 31, 2016. Net charge-offs totaled $36,000 in the second quarter of 2016 versus net charge-offs of $861,000 during the second quarter of 2015 and net charge-offs of $326,000 during the linked first quarter of 2016.

The company's noninterest income increased 5% to $8.1 million for the second quarter of 2016 versus $7.7 million for the second quarter of 2015. Noninterest income was positively impacted by increases in recurring fee income for service charges on deposit accounts, merchant card fee income and mortgage banking income. The company's noninterest income decreased 3% to $15.1 million for the six months ended June 30, 2016 compared to $15.5 million in the prior year period. Noninterest income was negatively impacted by decreases in other income due primarily to credit valuation adjustment losses related to the company's swap arrangements of $605,000, as well as a $226,000 write down to a property formerly used as a Lake City Bank branch that is held for sale.

The company's noninterest expense increased by 10% to $18.4 million in the second quarter of 2016 compared to $16.7 million in the second quarter of 2015. Salaries and employee benefits increased by $1.1 million in the three month period ended June 30, 2016 versus the same period of 2015. These increases in salary and employee benefits were driven by higher performance incentive-based compensation costs, staff additions and normal merit increases. Data processing fees increased primarily due to increased technology and software related expenditures with the company's core processor, which are volume and product driven and represent digital solutions and forward technology for clients. The company's efficiency ratio was 49% for the second quarter of 2016, compared to 50% for the second quarter of 2015 and 49% for the linked first quarter of 2016. The company's noninterest expense increased by 7% to $35.8 million for the six months ended June 30, 2016 compared to $33.6 million in the prior year period primarily due to increases in salaries and employee benefits, data processing fees and professional fees.

Lakeland Financial Corporation is a $3.9 billion bank holding company headquartered in Warsaw, Indiana. Lake City Bank, its single bank subsidiary, is the fourth largest bank headquartered in the state, and the largest bank 100% invested in Indiana. Lake City Bank operates 48 offices in Northern and Central Indiana, delivering technology driven and client-centric financial services solutions to individuals and businesses.

3

Information regarding Lakeland Financial Corporation may be accessed on the home page of its subsidiary, Lake City Bank, at www.lakecitybank.com. The company's common stock is traded on the Nasdaq Global Select Market under "LKFN." In addition to the results presented in accordance with generally accepted accounting principles in the United States of America, this earnings release contains certain non-GAAP financial measures. Lakeland Financial believes that providing non-GAAP financial measures provides investors with information useful to understanding the company's financial performance. Additionally, these non-GAAP measures are used by management for planning and forecasting purposes, including measures based on "tangible common equity" which is "common stockholders' equity" excluding intangible assets, net of deferred tax and "tangible assets" which is "assets" excluding intangible assets, net of deferred tax. A reconciliation of these non-GAAP measures to the most comparable GAAP equivalent is included in the attached financial tables where the non-GAAP measure is presented.

This document contains, and future oral and written statements of the company and its management may contain, forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995 with respect to the financial condition, results of operations, plans, objectives, future performance and business of the company. Forward-looking statements, which may be based upon beliefs, expectations and assumptions of the company's management and on information currently available to management, are generally identifiable by the use of words such as "believe," "expect," "anticipate," "continue," "plan," "intend," "estimate," "may," "will," "would," "could," "should" or other similar expressions. Additionally, all statements in this document, including forward-looking statements, speak only as of the date they are made, and the company undertakes no obligation to update any statement in light of new information or future events. Additional information concerning the company and its business, including factors that could materially affect the company's financial results, is included in the company's filings with the Securities and Exchange Commission, including the company's Annual Report on Form 10-K.


4




LAKELAND FINANCIAL CORPORATION
 
SECOND QUARTER 2016 FINANCIAL HIGHLIGHTS
 
 
Three Months Ended
 
Six Months Ended
 
(Unaudited – Dollars in thousands)
Jun. 30,
 
Mar. 31,
 
Jun. 30,
 
Jun. 30,
 
Jun. 30,
 
END OF PERIOD BALANCES
2016
 
2016
 
2015
 
2016
 
2015
 
  Assets
 $3,937,304
 
 $3,808,907
 
 $3,572,106
 
 $3,937,304
 
 $3,572,106
 
  Deposits
 3,403,455
 
 3,250,735
 
 3,020,151
 
 3,403,455
 
 3,020,151
 
  Brokered Deposits
 112,884
 
 120,125
 
 120,861
 
 112,884
 
 120,861
 
  Core Deposits
 3,290,571
 
 3,130,610
 
 2,899,290
 
 3,290,571
 
 2,899,290
 
  Loans
 3,197,997
 
 3,113,300
 
 2,893,462
 
 3,197,997
 
 2,893,462
 
  Allowance for Loan Losses
 43,247
 
 43,284
 
 44,816
 
 43,247
 
 44,816
 
  Total Equity
 418,893
 
 406,963
 
 375,764
 
 418,893
 
 375,764
 
  Goodwill net of deferred tax assets
 3,137
 
 3,140
 
 3,176
 
 3,137
 
 3,176
 
  Tangible Common Equity
 415,756
 
 403,823
 
 372,588
 
 415,756
 
 372,588
 
AVERAGE BALANCES
                   
  Total Assets
 $4,003,633
 
 $3,812,316
 
 $3,552,029
 
 $3,907,974
 
 $3,496,860
 
  Earning Assets
 3,705,666
 
 3,590,822
 
 3,342,275
 
 3,648,244
 
 3,294,762
 
  Investments
 488,762
 
 478,537
 
 475,803
 
 483,650
 
 476,520
 
  Loans
 3,192,545
 
 3,089,348
 
 2,852,382
 
 3,140,947
 
 2,803,884
 
  Total Deposits
 3,437,493
 
 3,231,298
 
 3,066,483
 
 3,334,395
 
 3,002,184
 
  Interest Bearing Deposits
 2,759,696
 
 2,569,704
 
 2,488,227
 
 2,664,700
 
 2,435,003
 
  Interest Bearing Liabilities
 2,887,534
 
 2,727,422
 
 2,581,664
 
 2,807,478
 
 2,540,996
 
  Total Equity
 411,986
 
 399,921
 
 374,339
 
 405,953
 
 370,536
 
INCOME STATEMENT DATA
                   
  Net Interest Income
 $29,273
 
 $28,582
 
 $26,064
 
 $57,855
 
 $51,764
 
  Net Interest Income-Fully Tax Equivalent
 29,818
 
 29,102
 
 26,559
 
 58,920
 
 52,745
 
  Provision for Loan Losses
 0
 
 0
 
 0
 
 0
 
 0
 
  Noninterest Income
 8,067
 
 7,043
 
 7,713
 
 15,110
 
 15,508
 
  Noninterest Expense
 18,446
 
 17,384
 
 16,741
 
 35,830
 
 33,642
 
  Net Income
 12,803
 
 12,279
 
 11,380
 
 25,082
 
 22,516
 
PER SHARE DATA
                   
  Basic Net Income Per Common Share
 $0.77
 
 $0.74
 
 $0.69
 
 $1.50
 
 $1.36
 
  Diluted Net Income Per Common Share
 0.76
 
 0.73
 
 0.68
 
 1.48
 
 1.34
 
  Cash Dividends Declared Per Common Share
 0.28
 
 0.245
 
 0.245
 
 0.525
 
 0.455
 
  Dividend Payout
 36.84
%
 33.56
%
 36.03
%
 35.47
%
 33.96
%
  Book Value Per Common Share (equity per share issued)
 25.08
 
 24.37
 
 22.61
 
 25.08
 
 22.61
 
  Tangible Book Value Per Common Share
 24.90
 
 24.19
 
 22.42
 
 24.90
 
 22.42
 
  Market Value – High
 49.91
 
 46.55
 
 44.27
 
 49.91
 
 44.27
 
  Market Value – Low
 43.41
 
 39.80
 
 38.71
 
 39.80
 
 37.42
 
  Basic Weighted Average Common Shares Outstanding
 16,696,834
 
 16,679,835
 
 16,611,974
 
 16,688,335
 
 16,601,189
 
  Diluted Weighted Average Common Shares Outstanding
 16,930,513
 
 16,885,204
 
 16,820,052
 
 16,913,738
 
 16,795,907
 
KEY RATIOS
                   
  Return on Average Assets
 1.29
%
 1.30
%
 1.29
%
 1.29
%
 1.30
%
  Return on Average Total Equity
 12.50
 
 12.35
 
 12.19
 
 12.43
 
 12.25
 
  Average Equity to Average Assets
 10.29
 
 10.49
 
 10.54
 
 10.39
 
 10.60
 
  Net Interest Margin
 3.24
 
 3.26
 
 3.18
 
 3.24
 
 3.23
 
  Efficiency  (Noninterest Expense / Net Interest Income plus Noninterest Income)
 49.40
 
 48.80
 
 49.57
 
 49.11
 
 50.01
 
  Tier 1 Leverage (1)
 10.85
 
 11.15
 
 11.22
 
 10.85
 
 11.22
 
  Tier 1 Risk-Based Capital (1)
 12.41
 
 12.46
 
 12.58
 
 12.41
 
 12.58
 
  Common Equity Tier 1 (CET1) (1)
 11.55
 
 11.58
 
 11.63
 
 11.55
 
 11.63
 
  Total Capital (1)
 13.65
 
 13.72
 
 13.83
 
 13.65
 
 13.83
 
  Tangible Capital (1)
 10.57
 
 10.61
 
 10.44
 
 10.57
 
 10.44
 
ASSET QUALITY
                   
  Loans Past Due 30 - 89 Days
 $1,795
 
 $4,024
 
 4,580
 
 $1,795
 
 $4,580
 
  Loans Past Due 90 Days or More
 0
 
 0
 
 284
 
 0
 
 284
 
  Non-accrual Loans
 9,329
 
 7,579
 
 14,089
 
 9,329
 
 14,089
 
  Nonperforming Loans (includes nonperforming TDR's)
 9,329
 
 7,579
 
 14,373
 
 9,329
 
 14,373
 
  Other Real Estate Owned
 238
 
 243
 
 231
 
 238
 
 231
 
  Other Nonperforming Assets
 0
 
 0
 
 7
 
 0
 
 7
 
  Total Nonperforming Assets
 9,567
 
 7,822
 
 14,611
 
 9,567
 
 14,611
 
  Performing Troubled Debt Restructurings
 8,647
 
 8,590
 
 7,606
 
 8,647
 
 7,606
 
  Nonperforming Troubled Debt Restructurings (included in nonperforming loans)
 6,040
 
 5,519
 
 11,176
 
 6,040
 
 11,176
 
  Total Troubled Debt Restructurings
 14,688
 
 14,109
 
 18,783
 
 14,688
 
 18,783
 
  Impaired Loans
 19,267
 
 17,418
 
 22,328
 
 19,267
 
 22,328
 
  Non-Impaired Watch List Loans
 139,706
 
 123,984
 
 130,735
 
 139,706
 
 130,735
 
  Total Impaired and Watch List Loans
 158,973
 
 141,402
 
 153,063
 
 158,973
 
 153,063
 
  Gross Charge Offs
 296
 
 466
 
 995
 
 762
 
 1,703
 
  Recoveries
 260
 
 140
 
 134
 
 400
 
 257
 
  Net Charge Offs/(Recoveries)
 36
 
 326
 
 861
 
 362
 
 1,446
 
  Net Charge Offs/(Recoveries)  to Average Loans
 0.00
%
 0.04
%
 0.12
%
 0.02
%
 0.10
%
  Loan Loss Reserve to Loans
 1.35
%
 1.39
%
 1.55
%
 1.35
%
 1.55
%
  Loan Loss Reserve to Nonperforming Loans
 463.58
%
 571.11
%
 311.80
%
 463.58
%
 311.80
%
  Loan Loss Reserve to Nonperforming Loans and Performing TDR's
 240.58
%
 267.70
%
 203.90
%
 240.58
%
 203.90
%
  Nonperforming Loans to Loans
 0.29
%
 0.24
%
 0.50
%
 0.29
%
 0.50
%
  Nonperforming Assets to Assets
 0.24
%
 0.21
%
 0.41
%
 0.24
%
 0.41
%
  Total Impaired and Watch List Loans to Total Loans
 4.97
%
 4.54
%
 5.29
%
 4.97
%
 5.29
%
OTHER DATA
                   
  Full Time Equivalent Employees
 531
 
 521
 
 514
 
 531
 
 514
 
  Offices
 48
 
 48
 
 46
 
 48
 
 46
 
                     
  (1) Capital ratios for June 30, 2016 are preliminary until the Call Report is filed.
                   


5



LAKELAND FINANCIAL CORPORATION
CONSOLIDATED BALANCE SHEETS
June 30, 2016 and December 31, 2015
(in thousands, except share data)

 
June 30,
 
December 31,
 
2016
 
2015
 
(Unaudited)
 
 
ASSETS
 
 
 
Cash and due from banks
 $            77,361
 
 $              67,484
Short-term investments
31,502
 
13,190
  Total cash and cash equivalents
108,863
 
80,674
 
 
 
 
Securities available for sale (carried at fair value)
499,600
 
478,071
Real estate mortgage loans held for sale
4,009
 
3,294
 
 
 
 
Loans, net of allowance for loan losses of $43,247 and $43,610
3,154,750
 
3,037,319
 
 
 
 
Land, premises and equipment, net
49,144
 
46,684
Bank owned life insurance
70,610
 
69,698
Federal Reserve and Federal Home Loan Bank stock
8,373
 
7,668
Accrued interest receivable
10,294
 
9,462
Goodwill
4,970
 
4,970
Other assets
26,691
 
28,446
  Total assets
 $      3,937,304
 
 $         3,766,286
 
 
 
 
LIABILITIES AND STOCKHOLDERS' EQUITY
 
 
 
 
 
 
 
LIABILITIES
 
 
 
Noninterest bearing deposits
 $         727,308
 
 $            715,093
Interest bearing deposits
2,676,147
 
2,468,328
  Total deposits
3,403,455
 
3,183,421
 
 
 
 
Short-term borrowings
 
 
 
  Securities sold under agreements to repurchase
56,368
 
69,622
  Other short-term borrowings
0
 
70,000
    Total short-term borrowings
56,368
 
139,622
 
 
 
 
Long-term borrowings
32
 
34
Subordinated debentures
30,928
 
30,928
Accrued interest payable
4,403
 
3,773
Other liabilities
23,225
 
15,607
    Total liabilities
3,518,411
 
3,373,385
 
 
 
 
STOCKHOLDERS' EQUITY
 
 
 
Common stock:  90,000,000 shares authorized, no par value
 
 
 
 16,696,834 shares issued and 16,596,152 outstanding as of June 30, 2016
 
 
 
 16,641,651 shares issued and 16,546,044 outstanding as of December 31, 2015
101,002
 
99,123
Retained earnings
310,317
 
294,002
Accumulated other comprehensive income
10,166
 
2,142
Treasury stock, at cost (2016 - 100,682 shares, 2015 - 95,607 shares)
(2,681)
 
(2,455)
  Total stockholders' equity
418,804
 
392,812
  Noncontrolling interest
89
 
89
  Total equity
418,893
 
392,901
    Total liabilities and equity
 $      3,937,304
 
 $         3,766,286
 
 
 
 







6








LAKELAND FINANCIAL CORPORATION
CONSOLIDATED STATEMENTS OF INCOME
For the Three Months and Six Months Ended June 30, 2016 and 2015
(unaudited in thousands except for share and per share data)

 
Three Months Ended
 
Six Months Ended
 
June 30,
 
June 30,
 
2016
 
2015
 
2016
 
2015
NET INTEREST INCOME
 
 
 
 
 
 
 
Interest and fees on loans
 
 
 
 
 
 
 
  Taxable
 $             30,918
 
 $               27,315
 
 $        60,548
 
 $          53,572
  Tax exempt
                      111
 
                       117
 
                 222
 
                  234
Interest and dividends on securities
 
 
 
 
 
 
 
  Taxable
                   2,297
 
                    2,002
 
              4,843
 
               4,450
  Tax exempt
                      947
 
                       842
 
              1,842
 
               1,671
Interest on short-term investments
                         82
 
                         14
 
                 110
 
                    27
    Total interest income
                 34,355
 
                  30,290
 
           67,565
 
             59,954
 
 
 
 
 
 
 
 
Interest on deposits
                   4,694
 
                    3,930
 
              8,889
 
               7,578
Interest on borrowings
 
 
 
 
 
 
 
  Short-term
                         99
 
                         35
 
                 246
 
                    95
  Long-term
                      289
 
                       261
 
                 575
 
                  517
    Total interest expense
                   5,082
 
                    4,226
 
              9,710
 
               8,190
 
 
 
 
 
 
 
 
NET INTEREST INCOME
                 29,273
 
                  26,064
 
           57,855
 
             51,764
 
 
 
 
 
 
 
 
Provision for loan losses
                           0
 
                           0
 
                      0
 
                      0
 
 
 
 
 
 
 
 
NET INTEREST INCOME AFTER PROVISION FOR
 
 
 
 
 
 
 
  LOAN LOSSES
                 29,273
 
                  26,064
 
           57,855
 
             51,764
 
 
 
 
 
 
 
 
NONINTEREST INCOME
 
 
 
 
 
 
 
Wealth advisory fees
                   1,133
 
                    1,106
 
              2,293
 
               2,290
Investment brokerage fees
                      212
 
                       311
 
                 500
 
                  803
Service charges on deposit accounts
                   2,843
 
                    2,573
 
              5,623
 
               4,947
Loan, insurance and service fees
                   1,892
 
                    1,900
 
              3,730
 
               3,469
Merchant card fee income
                      527
 
                       431
 
              1,024
 
                  847
Bank owned life insurance income
                      489
 
                       360
 
                 662
 
                  735
Other income
                      587
 
                       681
 
                 515
 
               1,635
Mortgage banking income
                      384
 
                       351
 
                 711
 
                  740
Net securities gains/(losses)
                           0
 
                           0
 
                   52
 
                    42
  Total noninterest income
                   8,067
 
                    7,713
 
           15,110
 
             15,508
 
 
 
 
 
 
 
 
NONINTEREST EXPENSE
 
 
 
 
 
 
 
Salaries and employee benefits
                 10,592
 
                    9,444
 
           20,197
 
             19,167
Net occupancy expense
                   1,041
 
                       915
 
              2,137
 
               1,999
Equipment costs
                      909
 
                       913
 
              1,810
 
               1,829
Data processing fees and supplies
                   2,120
 
                    1,938
 
              4,152
 
               3,705
Corporate and business development
                      763
 
                       714
 
              1,620
 
               1,504
FDIC insurance and other regulatory fees
                      557
 
                       511
 
              1,080
 
                  997
Professional fees
                      859
 
                       728
 
              1,686
 
               1,417
Other expense
                   1,605
 
                    1,578
 
              3,148
 
               3,024
  Total noninterest expense
                 18,446
 
                  16,741
 
           35,830
 
             33,642
 
 
 
 
 
 
 
 
INCOME BEFORE INCOME TAX EXPENSE
                 18,894
 
                  17,036
 
           37,135
 
             33,630
Income tax expense
                   6,091
 
                    5,656
 
           12,053
 
             11,114
NET INCOME
 $             12,803
 
 $               11,380
 
 $        25,082
 
 $          22,516
 
 
 
 
 
 
 
 
BASIC WEIGHTED AVERAGE COMMON SHARES
         16,696,834
 
           16,611,974
 
   16,688,335
 
      16,601,189
BASIC EARNINGS PER COMMON SHARE
 $                  0.77
 
 $                   0.69
 
 $             1.50
 
 $              1.36
DILUTED WEIGHTED AVERAGE COMMON SHARES
         16,930,513
 
           16,820,052
 
   16,913,738
 
      16,795,907
DILUTED EARNINGS PER COMMON SHARE
 $                  0.76
 
 $                   0.68
 
 $             1.48
 
 $              1.34
 
 
 
 
 
 
 
 



7



LAKELAND FINANCIAL CORPORATION
LOAN DETAIL
SECOND QUARTER 2016
(unaudited in thousands)
                         
 
June 30,
March 31,
December 31,
June 30,
 
2016
2016
2015
2015
Commercial and industrial loans:
                       
  Working capital lines of credit loans
 $   598,531
   18.7
 %
 $   591,136
   19.0
 %
 $   581,025
   18.9
 %
 $   606,169
   20.9
 %
  Non-working capital loans
      628,119
   19.6
 
      614,619
   19.7
 
      598,487
   19.4
 
      537,708
   18.6
 
    Total commercial and industrial loans
   1,226,650
   38.4
 
   1,205,755
   38.7
 
   1,179,512
   38.3
 
   1,143,877
   39.5
 
                         
Commercial real estate and multi-family residential loans:
                       
  Construction and land development loans
      221,027
     6.9
 
      206,378
     6.6
 
      230,719
     7.5
 
      152,292
     5.3
 
  Owner occupied loans
      457,461
   14.3
 
      447,620
   14.4
 
      412,026
   13.4
 
      409,650
   14.2
 
  Nonowner occupied loans
      395,597
   12.4
 
      408,273
   13.1
 
      407,883
   13.2
 
      399,583
   13.8
 
  Multifamily loans
      114,618
     3.6
 
      104,303
     3.4
 
       79,425
     2.6
 
       90,175
     3.1
 
    Total commercial real estate and multi-family residential loans
   1,188,703
   37.2
 
   1,166,574
   37.5
 
   1,130,053
   36.7
 
   1,051,700
   36.3
 
                         
Agri-business and agricultural loans:
                       
  Loans secured by farmland
146,519
     4.6
 
144,687
     4.6
 
164,375
     5.3
 
156,001
     5.4
 
  Loans for agricultural production
162,240
     5.1
 
128,456
     4.1
 
141,719
     4.6
 
95,327
     3.3
 
    Total agri-business and agricultural loans
308,759
     9.7
 
273,143
     8.8
 
306,094
     9.9
 
251,328
     8.7
 
                         
Other commercial loans
       82,786
     2.6
 
       83,617
     2.7
 
       85,075
     2.8
 
       82,247
     2.8
 
  Total commercial loans
   2,806,898
   87.8
 
   2,729,089
   87.7
 
   2,700,734
   87.7
 
   2,529,152
   87.4
 
                         
Consumer 1-4 family mortgage loans:
                       
  Closed end first mortgage loans
      164,564
     5.1
 
      161,701
     5.2
 
      158,062
     5.1
 
      148,977
     5.1
 
  Open end and junior lien loans
      164,645
     5.1
 
      160,734
     5.2
 
      163,700
     5.3
 
      155,902
     5.4
 
  Residential construction and land development loans
         9,570
     0.3
 
         8,488
     0.3
 
         9,341
     0.3
 
         8,821
     0.3
 
  Total consumer 1-4 family mortgage loans
      338,779
   10.6
 
      330,923
   10.6
 
      331,103
   10.7
 
      313,700
   10.8
 
                         
Other consumer loans
       52,492
     1.6
 
       53,327
     1.7
 
       49,113
     1.6
 
       50,813
     1.8
 
  Total consumer loans
      391,271
   12.2
 
      384,250
   12.3
 
      380,216
   12.3
 
      364,513
   12.6
 
  Subtotal
   3,198,169
 100.0
 %
   3,113,339
 100.0
 %
   3,080,950
 100.0
 %
   2,893,665
 100.0
 %
Less:  Allowance for loan losses
      (43,247)
   
      (43,284)
   
      (43,610)
   
      (44,816)
   
           Net deferred loan fees
           (172)
   
             (39)
   
             (21)
   
           (203)
   
Loans, net
 $3,154,750
   
 $3,070,016
   
 $3,037,319
   
 $2,848,646
   
                         
                         
                         
LAKELAND FINANCIAL CORPORATION
DEPOSITS AND BORROWINGS
SECOND QUARTER 2016
(unaudited in thousands)
                         
 
June 30,
   
March 31,
   
December 31,
   
June 30,
   
 
2016
   
2016
   
2015
   
2015
   
Non-interest bearing demand deposits
 $   727,308
   
 $   660,318
   
 $   715,093
   
 $   602,898
   
Interest bearing demand, savings & money market accounts
   1,500,720
   
   1,475,291
   
   1,470,814
   
   1,422,200
   
Time deposits under $100,000
      247,271
   
      250,998
   
      259,260
   
      283,138
   
Time deposits of $100,000 or more
      928,156
   
      864,128
   
      738,254
   
      711,915
   
   Total deposits
   3,403,455
   
   3,250,735
   
   3,183,421
   
   3,020,151
   
Short-term borrowings
       56,368
   
       94,504
   
      139,622
   
      126,615
   
Long-term borrowings
              32
   
              32
   
              34
   
34
   
Subordinated debentures
       30,928
   
       30,928
   
       30,928
   
30,928
   
  Total borrowings
       87,328
   
      125,464
   
      170,584
   
      157,577
   
Total funding sources
 $3,490,783
   
 $3,376,199
   
 $3,354,005
   
 $3,177,728
   
                         



8





LAKELAND FINANCIAL CORPORATION
AVERAGE BALANCE SHEET AND NET INTEREST ANALYSIS
(UNAUDITED)


 
Three Months Ended
   
Three Months Ended
   
Three Months Ended
 
 
June 30, 2016
   
March 31, 2016
   
June 30, 2015
 
 
Average
 
Interest
 
Yield (1)/
   
Average
 
Interest
 
Yield (1)/
   
Average
 
Interest
 
Yield (1)/
 
(fully tax equivalent basis, dollars in thousands)
Balance
 
Income
 
Rate
   
Balance
 
Income
 
Rate
   
Balance
 
Income
 
Rate
 
Earning Assets
                                       
  Loans:
                                       
    Taxable (2)(3)
 $3,180,783
 
 $30,918
 
 3.91
%
 
 $3,077,441
 
 $29,630
 
 3.87
%
 
 $2,839,605
 
 $27,315
 
 3.86
%
    Tax exempt (1)
 11,763
 
 164
 
 5.62
   
 11,907
 
 166
 
 5.61
   
 12,777
 
 174
 
 5.47
 
  Investments: (1)
                                       
    Available for sale
 488,762
 
 3,736
 
 3.07
   
 478,537
 
 3,906
 
 3.28
   
 475,803
 
 3,282
 
 2.77
 
  Short-term investments
 5,805
 
 3
 
 0.21
   
 6,210
 
 4
 
 0.26
   
 5,154
 
 1
 
 0.08
 
  Interest bearing deposits
 18,553
 
 79
 
 1.71
   
 16,727
 
 24
 
 0.58
   
 8,936
 
 13
 
 0.58
 
Total earning assets
 $3,705,666
 
 $34,900
 
 3.79
%
 
 $3,590,822
 
 $33,730
 
 3.78
%
 
 $3,342,275
 
 $30,785
 
 3.69
%
Less:  Allowance for loan losses
 (43,228)
           
 (43,394)
           
 (45,693)
         
Nonearning Assets
                                       
  Cash and due from banks
 167,099
           
 97,093
           
 98,133
         
  Premises and equipment
 48,921
           
 47,237
           
 42,919
         
  Other nonearning assets
 125,175
           
 120,558
           
 114,395
         
Total assets
 $4,003,633
           
 $3,812,316
           
 $3,552,029
         
                                         
Interest Bearing Liabilities
                                       
  Savings deposits
 $263,331
 
 $115
 
 0.18
%
 
 $253,313
 
 $123
 
 0.20
%
 
 $231,505
 
 $116
 
 0.20
%
  Interest bearing checking accounts
 1,309,443
 
 1,455
 
 0.45
   
 1,240,226
 
 1,324
 
 0.43
   
 1,255,838
 
 1,250
 
 0.40
 
  Time deposits:
                                       
    In denominations under $100,000
 249,452
 
 719
 
 1.16
   
 254,605
 
 737
 
 1.16
   
 286,266
 
 855
 
 1.20
 
    In denominations over $100,000
 937,470
 
 2,405
 
 1.03
   
 821,560
 
 2,011
 
 0.98
   
 714,618
 
 1,709
 
 0.96
 
  Miscellaneous short-term borrowings
 96,878
 
 99
 
 0.41
   
 126,758
 
 147
 
 0.47
   
 62,475
 
 35
 
 0.22
 
  Long-term borrowings and
                                       
    subordinated debentures (4)
 30,960
 
 289
 
 3.75
   
 30,960
 
 286
 
 3.72
   
 30,962
 
 261
 
 3.38
 
Total interest bearing liabilities
 $2,887,534
 
 $5,082
 
 0.71
%
 
 $2,727,422
 
 $4,628
 
 0.68
%
 
 $2,581,664
 
 $4,226
 
 0.66
%
Noninterest Bearing Liabilities
                                       
  Demand deposits
 677,797
           
 661,594
           
 578,255
         
  Other liabilities
 26,316
           
 23,379
           
 17,772
         
Stockholders' Equity
 411,986
           
 399,921
           
 374,338
         
Total liabilities and stockholders' equity
 $4,003,633
           
 $3,812,316
           
 $3,552,029
         
                                         
Interest Margin Recap
                                       
Interest income/average earning assets
   
34,900
 
 3.79
       
33,730
 
 3.78
       
30,785
 
 3.69
 
Interest expense/average earning assets
   
5,082
 
 0.55
       
4,628
 
 0.52
       
4,226
 
 0.51
 
Net interest income and margin
   
 $29,818
 
 3.24
%
     
 $29,102
 
 3.26
%
     
 $26,559
 
 3.18
%

(1)
Tax exempt income was converted to a fully taxable equivalent basis at a 35 percent tax rate for 2016 and 2015. The tax equivalent rate for tax exempt loans and tax exempt securities acquired after January 1, 1983 included the Tax Equity and Fiscal Responsibility Act of 1982 ("TEFRA") adjustment applicable to nondeductible interest expenses.
(2)
Loan fees, which are immaterial in relation to total taxable loan interest income for 2016 and 2015, are included as taxable loan interest income.
(3)
Nonaccrual loans are included in the average balance of taxable loans.
(4)
Long-term borrowings and subordinated debentures interest expense was reduced by interest capitalized on construction in process for 2015.


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