0001104659-19-056303.txt : 20191025 0001104659-19-056303.hdr.sgml : 20191025 20191025080037 ACCESSION NUMBER: 0001104659-19-056303 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 14 CONFORMED PERIOD OF REPORT: 20191025 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20191025 DATE AS OF CHANGE: 20191025 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: 191167546 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 tm1920932d1_8k.htm FORM 8-K
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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, DC 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): October 25, 2019 

 

 

 

LAKELAND FINANCIAL CORPORATION

(Exact name of Registrant as specified in its charter) 

 

 

 

Indiana   0-11487   35-1559596

(State or other jurisdiction

of incorporation)

  

(Commission

File Number)

  

(IRS Employer

Identification No.)

 

202 East Center Street

Warsaw, Indiana

   46580
(Address of Principal Executive Offices)   (Zip Code)

 

Registrant’s telephone number, including area code: (574) 267-6144

 

 

(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)
   
¨  Soliciting 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))

 

Securities registered pursuant to Section 12(b) of the Act:

 

Title of each class   Trading Symbol(s)   Name of each exchange on which registered
Common Stock, no par value   LKFN   NASDAQ

 

Indicate by check mark whether the Registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (s230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (s240.12b-2 of this chapter).

 

Emerging growth company  ¨

 

If an emerging growth company, indicate by check mark if the Registrant has elected not to use extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.  ¨

 

 

  

 

 

 

Item 2.02.Results of Operations and Financial Condition

 

On October 25, 2019, Lakeland Financial Corporation (the “Company”) issued a press release announcing its earnings for the three months and nine months ended September 30, 2019. The press release is furnished herewith as Exhibit 99.1.

 

The disclosure in this Item 2.02 and the related exhibit under Item 9.01 are being furnished and shall not be deemed “filed” for the purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liabilities of that Section. The disclosure in this Item 2.02 and the related exhibit under Item 9.01 shall not be incorporated by reference into any registration statement or other document pursuant to the Securities Act of 1933, as amended.

 

Item 9.01.Financial Statements and Exhibits

 

(d)Exhibits

 

99.1Press Release dated October 25, 2019

 

 

 

 

 

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: October 25, 2019 By: /s/Lisa M. O’Neill  
    Lisa M. O’Neill
   

Executive Vice President

and Chief Financial Officer

 

 

 

 EX-99.1 2 tm1920932d1_ex99-1.htm EXHIBIT 99.1

Exhibit 99.1

 

 

NEWS FROM LAKELAND FINANCIAL CORPORATION

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 Quarterly Performance

Year to Date Net Income Increases by 10% over 2018 

 

Warsaw, Indiana (October 25, 2019) – Lakeland Financial Corporation (Nasdaq Global Select/LKFN), parent company of Lake City Bank, today reported record third quarter net income of $21.5 million for the three months ended September 30, 2019, an increase of 4% versus $20.6 million for the third quarter of 2018. Diluted earnings per share also increased 4% to $0.83 for the third quarter of 2019, versus $0.80 for the third quarter of 2018.

 

The company further reported record net income of $64.8 million for the nine months ended September 30, 2019 versus $59.0 million for the comparable period of 2018, an increase of 10%. Diluted net income per common share increased 10% to $2.52 for the nine months ended September 30, 2019 versus $2.30 for the comparable period of 2018 and also represents a record performance.

 

David M. Findlay, President and CEO commented, “The Lake City bank team is proud of its continued growth in 2019. We experienced growth in every business unit and remain committed to our strategic growth in our Indiana markets. As the financial services sector continues to experience innovation in technology, we continue to invest in our people, infrastructure and technology to drive innovation for our customers.”

 

Highlights for the quarter are noted below.

 

3rd Quarter 2019 versus 3rd Quarter 2018 highlights:

 

·Return on average assets unchanged at 1.72%
·Return on average equity of 14.8%, compared to 16.6%
·Organic loan growth of $180 million, or 5%
·Core deposit growth of $328 million, or 9%
·Net interest income increase of $1.6 million, or 4%
·Net interest margin of 3.38% compared to 3.42%
·Noninterest income increase of $141,000, or 1%
·Revenue growth of $1.8 million, or 4%
·Provision expense of $1.0 million compared to $1.1 million
·Nonperforming assets to total assets of 0.39% versus 0.27%
·Total equity and tangible common equity1 increase of $86 million, or 17%

 

 

 

1 Non-GAAP financial measure – see “Reconciliation of Non-GAAP Financial Measures.”

1

 

 

 

3rd Quarter 2019 versus 2nd Quarter 2019 highlights:

 

·Return on average assets of 1.72%, compared to 1.76%
·Return on average equity of 14.8% compared to 15.8%
·Organic loan growth of $25 million or 1%
·Net interest income increase of $1.1 million, or 3%
·Net interest margin increase to 3.38% from 3.37%
·Noninterest expense increase of $645,000, or 3%
·Revenue growth of $311,000, or 1%
·Provision expense of $1.0 million compared to $785,000
·Nonperforming assets to total assets of 0.39% versus 0.31%
·Total equity and tangible common equity1 increase of $19 million, or 3%

 

As announced on October 8, 2019, the board of directors approved a cash dividend for the third quarter of $0.30 per share, payable on November 5, 2019, to shareholders of record as of October 25, 2019. Including this dividend, the total dividends per share for 2019 represent a 16% increase over the total dividends per share paid during the same period of 2018.

 

Return on average total equity for the third quarter of 2019 was 14.78%, compared to 16.55% in the third quarter of 2018 and 15.76% in the linked second quarter of 2019. Return on average total equity for the first nine months of 2019 was 15.68%, compared to 16.42% in the same period of 2018. Average equity increased at a faster pace than net income in 2019 due to an increase in the fair value adjustment for investment securities, net of tax, which increases equity but does not affect net income. Return on average assets for the third quarters of 2019 and 2018 was 1.72%, compared to 1.76% in the linked second quarter of 2019. Return on average assets for the first nine months of 2019 was 1.76% compared to 1.67% in the same period of 2018. The company’s total capital as a percentage of risk-weighted assets was 14.78% at September 30, 2019, compared to 14.14% at September 30, 2018 and 14.49% at June 30, 2019. The company’s tangible common equity to tangible assets ratio1 was 11.74% at September 30, 2019, compared to 10.41% at September 30, 2018 and 11.30% at June 30, 2019.

 

Average total loans for the third quarter of 2019 were $4.02 billion, an increase of $178.2 million, or 5%, versus $3.84 billion for the third quarter 2018. On a linked quarter basis, total average loans grew $54.5 million, or 1%, from $3.96 billion at June 30, 2019. Total loans outstanding grew $180.1 million, or 5%, from $3.84 billion as of September 30, 2018 to $4.02 billion as of September 30, 2019.

 

Findlay noted, “Overall, we are pleased with our organic loan growth across our markets, but we continue to see elevated levels of loan payoffs related to several factors, including long term non-bank financing and the sale of companies. Clearly, our commercial borrowers are approaching capital investment conservatively as our commercial line utilization has been lower than our historical levels. We continue to expect to see loan growth driven by ongoing market share growth and organic expansion.”

 

Average total deposits for the third quarter of 2019 were $4.27 billion, an increase of $242.3 million, or 6%, versus $4.03 billion for the third quarter of 2018. Average total deposits decreased by $33.1 million or 1% as compared to average deposits of $4.30 billion on a linked quarter basis. Total deposits grew $267.5 million, or 7%, from $4.02 billion as of September 30, 2018 to $4.28 billion as of September 30, 2019. In addition, total core deposits, which exclude brokered deposits, increased $327.7 million, or 9%, from $3.84 billion at September 30, 2018 to $4.17 billion at September 30, 2019 due primarily to growth in commercial deposits of $264.4 million or 25%, as well as increases in retail deposits of $32.4 million, or 2%, and increases in public fund deposits of $30.9 million or 2%. Brokered deposits were $116.7 million at September 30, 2019, a decrease of $60.2 million, or 34%, as compared to $176.9 million as of September 30, 2018 due to scheduled maturities of wholesale funding that was not renewed.

 

 

 

1 Non-GAAP financial measure – see “Reconciliation of Non-GAAP Financial Measures”

2

 

 

 

The company’s net interest margin decreased four basis points to 3.38% for the third quarter of 2019 compared to 3.42% for the third quarter of 2018. Net interest margin for 2018 benefited from the Federal Reserve Bank increases to the Federal Funds Rate, which increased by 25 basis points in March, June and September of that year. The year over year decline in net interest margin was due to a higher cost of funds and lower yields on investment securities, partially offset by a higher yield on the company’s loan portfolio. The decline in the investment securities yield was due to the combined effect of the flattening, and at times inverted, yield curve and the corresponding increase in the fair value of the investment securities portfolio.

 

Linked quarter net interest margin increased by one basis point from 3.37% as of June 30, 2019 to 3.38% as of September 30, 2019, due to a decrease of 12 basis points in the cost of funds partially offset by a decline of 11 basis points in the yield on earning assets.

 

Findlay added, “We are pleased with our net interest margin expansion this quarter despite the two federal fund rate decreases enacted by the Federal Reserve Bank. We implemented timely deposit rate reductions to offset the loan repricing effect of lower rates. In addition, our net interest margin has benefited from continued growth in our commercial checking accounts which have increased by 16% year over year. Commercial deposits now account for 31% of total deposits, up from 26% a year ago.”

 

The company’s net interest margin was 3.40% for the nine months ended September 30, 2019 and was unchanged from 2018. Net interest income increased by $4.5 million or 4% for the nine months ended September 30, 2019 as compared to the first nine months of 2018 due to loan and deposit growth.

 

The company recorded a provision for loan losses of $1.0 million in the third quarter of 2019, compared to $1.1 million in the third quarter of 2018 and $785,000 in the linked second quarter of 2019. Net charge-offs in the third quarter of 2019 were $936,000 versus net charge-offs of $463,000 in the third quarter of 2018 and net recoveries of $217,000 during the linked second quarter of 2019. Annualized net charge-offs to average loans were 0.09% for the third quarter of 2019 versus 0.05% for the third quarter of 2018. Annualized net recoveries to average loans were 0.02% for the linked second quarter of 2019. On a year to date basis, net charge-offs to average loans were 0.03% compared to net charge offs to average loans of 0.17% for the first nine months of 2018.

 

Nonperforming assets increased $6.5 million, or 51%, to $19.3 million as of September 30, 2019 versus $12.8 million as of September 30, 2018 due to an increase in nonaccrual loans. On a linked quarter basis, nonperforming assets increased $4.0 million, or 26%, from the $15.3 million reported as of June 30, 2019. The linked quarter increase was primarily driven by three commercial relationships being placed in nonaccrual status during the third quarter of 2019. The ratio of nonperforming assets to total assets at September 30, 2019 was 0.39% compared to 0.27% at September 30, 2018 and 0.31% at June 30, 2019. Loan loss reserve to total loans was unchanged at 1.26% as of September 30, 2019, September 30, 2018 and June 30, 2019.

 

3

 

 

 

The company continues to prepare and make progress on the planned adoption of the FASB’s new rule related to credit losses on financial instruments (“CECL”) that will be effective on January 1, 2020. The company intends to disclose a range of potential impact upon adoption of this new standard in its upcoming Form 10-Q for the quarter ended September 30, 2019, based on the company’s loan portfolio composition as of September 30, 2019.

 

The company’s noninterest income increased $141,000, or 1%, to $10.8 million for the third quarter of 2019, compared to $10.6 million for the third quarter of 2018. Noninterest income was positively impacted by a 99% increase over the prior year third quarter in mortgage banking income, driven by higher mortgage refinance volumes. In addition, loan and serving fees increased by 8%, and wealth advisory fees increased by 7% compared to the third quarter of 2018. Offsetting the increases, was a decrease of 11% in service charges on deposit accounts driven by lower treasury management fees due to the previously disclosed discontinuance of a treasury management relationship in July 2019. Noninterest income was $11.6 million in the linked second quarter of 2019.

 

The company’s noninterest income increased $3.7 million, or 12%, to $33.9 million for the nine months ended September 30, 2019 compared to $30.2 million in the prior year period. Noninterest income was positively impacted by $1.2 million increase in service charges on deposit accounts. Loan and service fees increased by 7% or $478,000, wealth advisory fees increased by 7% or $326,000, mortgage banking income increased by 26% or $258,000 and investment brokerage fees increased by 25% or $257,000.

 

The company’s noninterest expense increased $537,000, or 2%, to $22.7 million in the third quarter of 2019, compared to $22.2 million in the third quarter of 2018 and increased by $645,000 on a linked quarter basis. Year over year quarter increases in professional fees resulted from higher legal expenses and costs related to CECL implementation. Data processing fees increased as a result of the company’s continued investment in technology driven solutions. Net occupancy expense increased due to higher depreciation and rent expenses related to new branch locations as well as remodeling and improvements made to existing branches and other offices. Offsetting these increases was a $661,000 decrease in FDIC insurance and other regulatory fees. In the third quarter of 2019, the FDIC announced that due to the Deposit Insurance Fund reserve ratio exceeding 1.38%, banks with consolidated assets of less than $10 billion would be receiving credits against their deposit insurance assessments. The $1.1 million credit is applied as a reduction of FDIC assessments commencing with the payment of the second quarter assessment paid in July 2019 and is expected to be fully utilized by the first quarter of 2020.

 

The company’s noninterest expense increased by $3.6 million, or 6%, to $67.3 million in the first nine months of 2019 compared to $63.7 million in the prior year period. The increase was driven by salaries and employee benefits, which increased by 3%, or $964,000, primarily due to staffing increases in revenue producing areas and normal merit increases. Other expense increased by $1.5 million or 29% to $6.9 million from $5.3 million in the nine month period ended September 30, 2018. Offsetting these increases was a decrease in FDIC insurance and regulatory fees driven by the credits received against the bank’s FDIC deposit insurance assessment.

 

The company’s efficiency ratio was 45.2% for the third quarter of 2019, compared to 45.5% for the third quarter of 2018 and 44.2% for the linked second quarter of 2019. The company’s efficiency ratio was 44.9% for the nine months ended September 30, 2019 compared to 44.8% in the prior year period.

 

Lakeland Financial Corporation is a $5.0 billion bank holding company headquartered in Warsaw, Indiana. Lake City Bank, its single bank subsidiary, is the fifth largest bank headquartered in the state and the largest bank 100% invested in Indiana. Lake City Bank operates 50 offices in Northern and Central Indiana, delivering technology-driven and client-centric financial services solutions to individuals and businesses.

 

4

 

 

 

Information regarding Lakeland Financial Corporation may be accessed on the home page of its subsidiary, Lake City Bank, at 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, this earnings release contains certain non-GAAP financial measures. The company 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 “total equity” excluding intangible assets, net of deferred tax, and “tangible assets” which is “total assets” excluding intangible assets, net of deferred tax. A reconciliation of these non-GAAP measures to the most comparable GAAP equivalents is included in the attached financial tables where the non-GAAP measures are 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. The company’s ability to predict results or the actual effect of future plans or strategies is inherently uncertain and, accordingly, the reader is cautioned not to place undue reliance on any forward-looking statements made by the company. 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. Numerous factors could cause the company’s actual results to differ from those reflected in forward-looking statements, including trade policy and those identified in the company’s filings with the Securities and Exchange Commission, including the company’s Annual Report on Form 10-K and Quarterly Report on Form 10-Q.

 

 

 

5

 

 

 

LAKELAND FINANCIAL CORPORATION
THIRD QUARTER 2019 FINANCIAL HIGHLIGHTS

 

  Three Months Ended  Nine Months Ended 
(Unaudited – Dollars in thousands, except per share data) Sep. 30,  Jun. 30,  Sep. 30,  Sep. 30,  Sep. 30, 
END OF PERIOD BALANCES 2019  2019  2018  2019  2018 
Assets $4,948,155  $4,975,519  $4,757,619  $4,948,155  $4,757,619 
Deposits  4,283,390   4,221,299   4,015,924   4,283,390   4,015,924 
Brokered Deposits  116,698   217,981   176,927   116,698   176,927 
Core Deposits (3)  4,166,692   4,003,318   3,838,997   4,166,692   3,838,997 
Loans  4,023,221   3,998,618   3,843,125   4,023,221   3,843,125 
Allowance for Loan Losses  50,628   50,564   48,343   50,628   48,343 
Total Equity  584,436   565,363   498,541   584,436   498,541 
Goodwill net of deferred tax assets  3,799   3,779   3,790   3,799   3,790 
Tangible Common Equity (1)  580,657   561,584   494,751   580,657   494,751 
AVERAGE BALANCES                    
Total Assets $4,941,503  $4,961,453  $4,748,953  $4,928,396  $4,731,769 
Earning Assets  4,698,937   4,625,949   4,451,449   4,625,820   4,440,493 
Investments - available for sale  614,784   601,178   569,567   601,098   558,784 
Loans  4,015,773   3,961,322   3,837,595   3,965,397   3,823,153 
Total Deposits  4,267,708   4,300,759   4,025,398   4,220,248   4,070,565 
Interest Bearing Deposits  3,306,638   3,378,030   3,167,135   3,296,995   3,228,768 
Interest Bearing Liabilities  3,356,436   3,444,382   3,363,583   3,408,767   3,379,929 
Total Equity  575,865   552,536   493,145   552,965   480,896 
INCOME STATEMENT DATA                    
Net Interest Income $39,545  $38,411  $37,925  $116,165  $111,681 
Net Interest Income-Fully Tax Equivalent  40,084   38,923   38,397   117,716   112,998 
Provision for Loan Losses  1,000   785   1,100   2,985   6,100 
Noninterest Income  10,765   11,588   10,624   33,878   30,225 
Noninterest Expense  22,737   22,092   22,200   67,302   63,705 
Net Income  21,454   21,713   20,570   64,849   59,048 
PER SHARE DATA                    
Basic Net Income Per Common Share $0.84  $0.85  $0.81  $2.54  $2.33 
Diluted Net Income Per Common Share  0.83   0.85   0.80   2.52   2.30 
Cash Dividends Declared Per Common Share  0.30   0.30   0.26   0.86   0.74 
Dividend Payout  36.14%  35.29%  32.50%  34.13%  32.17%
Book Value Per Common Share (equity per share issued)  22.81   22.06   19.70   22.81   19.70 
Tangible Book Value Per Common Share (1)  22.66   21.92   19.55   22.66   19.55 
Market Value – High  47.46   49.20   51.25   49.20   51.76 
Market Value – Low  41.26   43.76   46.35   39.78   45.01 
Basic Weighted Average Common Shares Outstanding  25,622,338   25,614,701   25,301,033   25,576,740   25,284,085 
Diluted Weighted Average Common Shares Outstanding  25,796,696   25,774,002   25,745,151   25,745,029   25,719,693 
KEY RATIOS                    
Return on Average Assets  1.72%  1.76%  1.72%  1.76%  1.67%
Return on Average Total Equity  14.78   15.76   16.55   15.68   16.42 
Average Equity to Average Assets  11.65   11.14   10.38   11.22   10.16 
Net Interest Margin  3.38   3.37   3.42   3.40   3.40 
Efficiency  (Noninterest Expense / Net Interest Income plus Noninterest Income)  45.19   44.19   45.51   44.86   44.81 
Tier 1 Leverage (2)  12.07   11.72   11.31   12.07   11.31 
Tier 1 Risk-Based Capital (2)  13.62   13.33   12.97   13.62   12.97 
Common Equity Tier 1 (CET1) (2)  12.94   12.64   12.24   12.94   12.24 
Total Capital (2)  14.78   14.49   14.14   14.78   14.14 
Tangible Capital (1) (2)  11.74   11.30   10.41   11.74   10.41 
ASSET QUALITY                    
Loans Past Due 30 - 89 Days $922  $2,451  $13,476  $922  $13,476 
Loans Past Due 90 Days or More  306   0   0   306   0 
Non-accrual Loans  18,657   14,995   12,337   18,657   12,337 
Nonperforming Loans (includes nonperforming TDRs)  18,963   14,995   12,337   18,963   12,337 
Other Real Estate Owned  316   316   316   316   316 
Other Nonperforming Assets  7   7   111   7   111 
Total Nonperforming Assets  19,286   15,318   12,763   19,286   12,763 
Performing Troubled Debt Restructurings  5,975   6,082   3,512   5,975   3,512 
Nonperforming Troubled Debt Restructurings (included in nonperforming loans)  3,422   3,512   7,313   3,422   7,313 
Total Troubled Debt Restructurings  9,397   9,594   10,825   9,397   10,825 
Impaired Loans  28,070   24,271   20,906   28,070   20,906 
Non-Impaired Watch List Loans  174,768   183,599   175,400   174,768   175,400 
Total Impaired and Watch List Loans  202,838   207,870   196,306   202,838   196,306 
Gross Charge Offs  1,221   84   581   1,589   5,686 
Recoveries  285   301   118   779   808 
Net Charge Offs/(Recoveries)  936   (217)  463   810   4,878 
Net Charge Offs/(Recoveries)  to Average Loans  0.09%  (0.02)%  0.05%  0.03%  0.17%
Loan Loss Reserve to Loans  1.26%  1.26%  1.26%  1.26%  1.26%
Loan Loss Reserve to Nonperforming Loans  266.98%  337.18%  391.92%  266.98%  391.92%
Loan Loss Reserve to Nonperforming Loans and Performing TDRs  203.02%  239.90%  305.03%  203.02%  305.03%
Nonperforming Loans to Loans  0.47%  0.38%  0.32%  0.47%  0.32%
Nonperforming Assets to Assets  0.39%  0.31%  0.27%  0.39%  0.27%
Total Impaired and Watch List Loans to Total Loans  5.04%  5.20%  5.11%  5.04%  5.11%
OTHER DATA                    
Full Time Equivalent Employees  561   571   549   561   549 
Offices  50   50   49   50   49 

 

(1)Non-GAAP financial measure - see "Reconciliation of Non-GAAP Financial Measures"
(2)Capital ratios for September 30, 2019 are preliminary until the Call Report is filed.
(3)Core deposits equals deposits less brokered deposits

 

6

 

 

 

CONSOLIDATED BALANCE SHEETS (in thousands, except share data)  

   September 30,   December 31, 
   2019   2018 
   (Unaudited)     
ASSETS          
Cash and due from banks  $90,442   $192,290 
Short-term investments   46,133    24,632 
Total cash and cash equivalents   136,575    216,922 
           
Securities available-for-sale (carried at fair value)   613,230    585,549 
Real estate mortgage loans held-for-sale   7,424    2,293 
           
Loans, net of allowance for loan losses of $50,628 and $48,453   3,972,593    3,866,292 
           
Land, premises and equipment, net   59,631    58,097 
Bank owned life insurance   83,153    77,106 
Federal Reserve and Federal Home Loan Bank stock   13,772    13,772 
Accrued interest receivable   15,823    15,518 
Goodwill   4,970    4,970 
Other assets   40,984    34,735 
Total assets  $4,948,155   $4,875,254 
           
LIABILITIES AND STOCKHOLDERS' EQUITY          
           
LIABILITIES          
Noninterest bearing deposits  $1,011,336   $946,838 
Interest bearing deposits   3,272,054    3,097,227 
Total deposits   4,283,390    4,044,065 
           
Borrowings          
Securities sold under agreements to repurchase   0    75,555 
Federal Home Loan Bank advances   0    170,000 
Subordinated debentures   30,928    30,928 
  Total borrowings   30,928    276,483 
           
Accrued interest payable   12,071    10,404 
Other liabilities   37,330    22,598 
  Total liabilities   4,363,719    4,353,550 
           
STOCKHOLDERS' EQUITY          
Common stock:  90,000,000 shares authorized, no par value          
 25,623,016 shares issued and 25,445,400 outstanding as of September 30, 2019          
 25,301,732 shares issued and 25,128,773 outstanding as of December 31, 2018   114,243    112,383 
Retained earnings   460,736    419,179 
Accumulated other comprehensive income (loss)   13,467    (6,191)
 Treasury stock at cost (177,616 shares as of September 30, 2019, 172,959 shares as of December 31, 2018)   (4,099)   (3,756)
Total stockholders' equity   584,347    521,615 
Noncontrolling interest   89    89 
Total equity   584,436    521,704 
  Total liabilities and equity  $4,948,155   $4,875,254 

 

7

 

 

 

CONSOLIDATED STATEMENTS OF INCOME (unaudited - in thousands, except share and per share data)  

   Three Months Ended   Nine Months Ended 
   September 30,   September 30, 
   2019   2018   2019   2018 
NET INTEREST INCOME                    
Interest and fees on loans                    
Taxable  $50,139   $46,127   $149,094   $132,360 
Tax exempt   234    208    720    627 
Interest and dividends on securities                    
Taxable   2,209    2,275    6,956    7,201 
Tax exempt   1,819    1,570    5,171    4,367 
Other interest income   368    199    957    687 
  Total interest income   54,769    50,379    162,898    145,242 
                     
Interest on deposits   14,692    11,473    44,131    31,488 
Interest on borrowings                    
Short-term   113    555    1,295    861 
Long-term   419    426    1,307    1,212 
  Total interest expense   15,224    12,454    46,733    33,561 
                     
NET INTEREST INCOME   39,545    37,925    116,165    111,681 
                     
Provision for loan losses   1,000    1,100    2,985    6,100 
                     
NET INTEREST INCOME AFTER PROVISION FOR                    
LOAN LOSSES   38,545    36,825    113,180    105,581 
                     
NONINTEREST INCOME                    
Wealth advisory fees   1,736    1,627    5,002    4,676 
Investment brokerage fees   386    376    1,300    1,043 
Service charges on deposit accounts   3,654    4,114    12,791    11,542 
Loan and service fees   2,518    2,327    7,403    6,925 
Merchant card fee income   690    643    1,982    1,834 
Bank owned life insurance income   515    466    1,246    1,177 
Mortgage banking income   636    319    1,256    998 
Net securities gains (losses)   6    0    94    (6)
Other income   624    752    2,804    2,036 
Total noninterest income   10,765    10,624    33,878    30,225 
                     
NONINTEREST EXPENSE                    
Salaries and employee benefits   12,837    12,755    37,231    36,267 
Net occupancy expense   1,351    1,229    4,000    3,892 
Equipment costs   1,385    1,316    4,143    3,840 
Data processing fees and supplies   2,620    2,489    7,619    7,292 
Corporate and business development   999    891    3,376    3,070 
FDIC insurance and other regulatory fees   (249)   412    566    1,282 
Professional fees   1,479    934    3,487    2,716 
Other expense   2,315    2,174    6,880    5,346 
Total noninterest expense   22,737    22,200    67,302    63,705 
                     
INCOME BEFORE INCOME TAX EXPENSE   26,573    25,249    79,756    72,101 
Income tax expense   5,119    4,679    14,907    13,053 
NET INCOME  $21,454   $20,570   $64,849   $59,048 
                     
BASIC WEIGHTED AVERAGE COMMON SHARES   25,622,338    25,301,033    25,576,740    25,284,085 
BASIC EARNINGS PER COMMON SHARE  $0.84   $0.81   $2.54   $2.33 
DILUTED WEIGHTED AVERAGE COMMON SHARES   25,796,696    25,745,151    25,745,029    25,719,693 
DILUTED EARNINGS PER COMMON SHARE  $0.83   $0.80   $2.52   $2.30 

8

 

 

 

LAKELAND FINANCIAL CORPORATION
LOAN DETAIL
THIRD QUARTER 2019
(unaudited, in thousands)

 

   September 30,   June 30,   December 31,   September 30, 
   2019   2019   2018   2018 
Commercial and industrial loans:                                        
Working capital lines of credit loans  $730,557    18.2%  $755,090    18.9%  $690,620    17.6%  $757,004    19.7%
Non-working capital loans   701,773    17.4    695,235    17.3    714,759    18.3    693,402    18.0 
Total commercial and industrial loans   1,432,330    35.6    1,450,325    36.2    1,405,379    35.9    1,450,406    37.7 
                                         
Commercial real estate and multi-family residential loans:                                        
Construction and land development loans   319,420    7.9    321,550    8.0    266,805    6.8    231,795    6.0 
Owner occupied loans   556,536    13.8    557,115    13.9    586,325    15.0    571,998    14.9 
Nonowner occupied loans   545,444    13.5    533,880    13.4    520,901    13.3    520,414    13.5 
Multifamily loans   259,408    6.5    242,966    6.1    195,604    5.0    192,218    5.0 
Total commercial real estate and multi-family residential loans   1,680,808    41.7    1,655,511    41.4    1,569,635    40.1    1,516,425    39.4 
                                         
Agri-business and agricultural loans:                                        
Loans secured by farmland   176,024    4.4    148,883    3.7    177,503    4.6    159,256    4.2 
Loans for agricultural production   153,943    3.8    165,595    4.2    193,010    4.9    134,773    3.5 
Total agri-business and agricultural loans   329,967    8.2    314,478    7.9    370,513    9.5    294,029    7.7 
                                         
Other commercial loans   100,100    2.5    104,084    2.6    95,657    2.4    114,350    3.0 
Total commercial loans   3,543,205    88.0    3,524,398    88.1    3,441,184    87.9    3,375,210    87.8 
                                         
Consumer 1-4 family mortgage loans:                                        
Closed end first mortgage loans   187,404    4.6    187,863    4.7    185,822    4.7    185,212    4.8 
Open end and junior lien loans   191,597    4.8    188,558    4.7    187,030    4.8    185,869    4.8 
Residential construction and land development loans   11,774    0.3    12,270    0.3    16,226    0.4    15,128    0.4 
Total consumer 1-4 family mortgage loans   390,775    9.7    388,691    9.7    389,078    9.9    386,209    10.0 
                                         
Other consumer loans   90,631    2.3    86,996    2.2    86,064    2.2    83,203    2.2 
Total consumer loans   481,406    12.0    475,687    11.9    475,142    12.1    469,412    12.2 
Subtotal   4,024,611    100.0%   4,000,085    100.0%   3,916,326    100.0%   3,844,622    100.0%
Less:   Allowance for loan losses   (50,628)        (50,564)        (48,453)        (48,343)     
           Net deferred loan fees   (1,390)        (1,467)        (1,581)        (1,497)     
Loans, net  $3,972,593        $3,948,054        $3,866,292        $3,794,782      

 

 

LAKELAND FINANCIAL CORPORATION
DEPOSITS AND BORROWINGS
THIRD QUARTER 2019
(unaudited, in thousands)

 

   September 30,   June 30,   December 31,   September 30, 
   2019   2019   2018   2018 
Non-interest bearing demand deposits  $1,011,336   $946,471   $946,838   $880,363 
Savings and transaction accounts:                    
Savings deposits   237,997    238,369    247,903    251,748 
Interest bearing demand deposits   1,650,691    1,708,397    1,429,570    1,388,934 
Time deposits:                    
Deposits of $100,000 or more   1,101,730    1,053,619    1,146,221    1,223,457 
Other time deposits   281,636    274,443    273,533    271,422 
Total deposits  $4,283,390   $4,221,299   $4,044,065   $4,015,924 
FHLB advances and other borrowings   30,928    145,928    276,483    208,280 
Total funding sources  $4,314,318   $4,367,227   $4,320,548   $4,224,204 

 

  

9

 

 

 

LAKELAND FINANCIAL CORPORATION

AVERAGE BALANCE SHEET AND NET INTEREST ANALYSIS

(UNAUDITED)

 

   Three Months Ended   Three Months Ended   Three Months Ended 
   September 30, 2019   June 30, 2019   September 30, 2018 
   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)  $3,991,572   $50,139    4.98%  $3,936,747   $50,089    5.10%  $3,814,831   $46,127    4.80%
Tax exempt (1)   24,201    292    4.78    24,575    292    4.77    22,764    257    4.48 
Investments: (1)                                             
Available for sale   614,784    4,509    2.91    601,178    4,415    2.95    569,567    4,263    2.97 
Short-term investments   3,478    16    1.83    12,092    97    3.22    3,480    14    1.60 
Interest bearing deposits   64,902    352    2.15    51,357    254    1.98    40,807    185    1.80 
Total earning assets  $4,698,937   $55,308    4.67%  $4,625,949   $55,147    4.78%  $4,451,449   $50,846    4.53%
Less:  Allowance for loan losses   (50,732)             (49,965)             (48,137)          
Nonearning Assets                                             
Cash and due from banks   77,921              171,313              144,605           
Premises and equipment   59,268              58,857              57,545           
Other nonearning assets   156,109              155,299              143,491           
Total assets  $4,941,503             $4,961,453             $4,748,953           
                                              
Interest Bearing Liabilities                                             
Savings deposits  $235,957   $62    0.10%  $240,824   $71    0.12%  $253,244   $79    0.12%
Interest bearing checking accounts   1,667,690    6,712    1.60    1,743,813    7,576    1.74    1,407,460    4,455    1.26 
Time deposits:                                             
In denominations under $100,000   278,598    1,383    1.97    274,217    1,300    1.90    270,480    1,055    1.55 
In denominations over $100,000   1,124,393    6,535    2.31    1,119,176    6,609    2.37    1,235,951    5,884    1.89 
Miscellaneous short-term borrowings   18,870    113    2.38    35,424    232    2.63    165,520    555    1.33 
Long-term borrowings and                                             
    subordinated debentures   30,928    419    5.37    30,928    436    5.65    30,928    426    5.46 
Total interest bearing liabilities  $3,356,436   $15,224    1.80%  $3,444,382   $16,224    1.89%  $3,363,583   $12,454    1.47%
Noninterest Bearing Liabilities                                             
Demand deposits   961,070              922,729              858,263           
Other liabilities   48,132              41,806              33,962           
Stockholders' Equity   575,865              552,536              493,145           
Total liabilities and stockholders' equity  $4,941,503             $4,961,453             $4,748,953           
                                              
Interest Margin Recap                                             
Interest income/average earning assets        55,308    4.67         55,147    4.78         50,846    4.53 
Interest expense/average earning assets        15,224    1.29         16,224    1.41         12,454    1.11 
Net interest income and margin       $40,084    3.38%       $38,923    3.37%       $38,392    3.42%

  

(1) Tax exempt income was converted to a fully taxable equivalent basis at a 21 percent tax rate. 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.  Taxable equivalent basis adjustments were $539,000, $512,000 and $467,000 in the three-month periods ended September 30, 2019, June 30, 2019 and September 30, 2018, respectively.
(2) Loan fees, which are immaterial in relation to total taxable loan interest income for 2019 and 2018, are included as taxable loan interest income.
(3) Nonaccrual loans are included in the average balance of taxable loans.

  

10

 

 

 

Reconciliation of Non-GAAP Financial Measures

 

Tangible common equity, tangible assets, tangible book value per share and the tangible common equity to tangible assets ratio are non-GAAP financial measures calculated using GAAP amounts. Tangible common equity is calculated by excluding the balance of goodwill and other intangible assets from the calculation of stockholders’ equity, net of deferred tax. Tangible assets are calculated by excluding the balance of goodwill and other intangible assets from the calculation of total assets, net of deferred tax. Tangible book value per share is calculated by dividing tangible common equity by the number of shares issued. Because not all companies use the same calculation of tangible common equity and tangible assets, this presentation may not be comparable to other similarly titled measures calculated by other companies. However, management considers these measures of the company’s value including only earning assets as meaningful to an understanding of the company’s financial information.

 

A reconciliation of these non-GAAP financial measures is provided below (dollars in thousands, except per share data).

 

   Three Months Ended   Nine Months Ended 
   Sep. 30,   Jun. 30,   Sep. 30,   Sep 30,   Sep. 30, 
   2019   2019   2018   2019   2018 
Total Equity  $584,436   $565,363   $498,541   $584,436   $498,541 
Less: Goodwill   (4,970)   (4,970)   (4,970)   (4,970)   (4,970)
Plus: Deferred tax assets related to goodwill   1,191    1,191    1,180    1,191    1,180 
Tangible Common Equity   580,657    561,584    494,751    580,657    494,751 
                          
Assets  $4,948,155   $4,975,519   $4,757,619   $4,948,155   $4,757,619 
Less: Goodwill   (4,970)   (4,970)   (4,970)   (4,970)   (4,970)
Plus: Deferred tax assets related to goodwill   1,191    1,191    1,180    1,191    1,180 
Tangible Assets   4,944,376    4,971,740    4,753,829    4,944,376    4,753,829 
                          
Ending common shares issued   25,623,016    25,615,216    25,301,732    25,623,016    25,301,732 
                          
Tangible Book Value Per Common Share  $22.66   $21.92   $19.55   $22.66   $19.55 
                          
Tangible Common Equity/Tangible Assets   11.74%   11.30%   10.41%   11.74%   10.41%

 

 

 

###

 

11

 

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Cover
Oct. 25, 2019
Cover [Abstract]  
Document Type 8-K
Amendment Flag false
Document Period End Date Oct. 25, 2019
Entity File Number 0-11487
Entity Registrant Name LAKELAND FINANCIAL CORPORATION
Entity Central Index Key 0000721994
Entity Tax Identification Number 35-1559596
Entity Incorporation, State or Country Code IN
Entity Address, Address Line One 202 East Center Street
Entity Address, City or Town Warsaw
Entity Address, State or Province IN
Entity Address, Postal Zip Code 46580
City Area Code 574
Local Phone Number 267-6144
Written Communications false
Soliciting Material false
Pre-commencement Tender Offer false
Pre-commencement Issuer Tender Offer false
Title of 12(b) Security Common Stock, no par value
Trading Symbol LKFN
Security Exchange Name NASDAQ
Entity Emerging Growth Company false
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