Peer Analysis

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LAKELAND FINANCIAL CORPORATION (NASDAQ - LKFN)

Data for trailing four quarters

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Performance Ratios (%)		LKFN	Peer Median	Peer Average
	ROAA	1.20	1.02	0.86
	ROAE	12.24	9.05	7.73
	Net Interest Margin	3.22	3.97	3.91
	Efficiency Ratio	50.11	63.49	62.93
	Loans / Deposits	92.30	75.45	77.93

Asset Quality Ratios (%)
	NPAs / Assets	1.57	1.87	2.18
	NCOs / Avg Loans	0.17	0.53	0.81
	Reserves / Loans	2.24	1.75	1.89
	Reserves / NPAs	110.44	49.67	70.28

Capital Ratios (%)
	Tier 1 Capital	13.51	14.26	14.62
	Tangible Equity / Tangible Assets	10.32	9.40	9.56
	Total Equity / Total Assets	10.47	11.27	10.98

Market Ratios
	Price / Earnings (x)	12.92	11.71	11.28
	Price / Book (%)	150.77	106.45	110.03
	Dividend Yield (%)	2.69	2.55	2.33

Lakeland Financial Corporation's peer group consists of the following: 1st Source Corporation (SRCE), Community Bank Shares of Indiana, Inc. (CBIN), First Financial Corporation (THFF), First Merchants Corporation (FRME), German American Bancorp, Inc. (GABC), Horizon Bancorp (HBNC), Indiana Community Bancorp (INCB), MainSource Financial Group, Inc. (MSFG), Old National Bancorp (ONB), Tower Financial Corporation (TOFC)

Lakeland Financial Corporation's financial data is as of 3/31/2013.

Peer financial data is as of 3/31/2013 except for these companies:

Indiana Community Bancorp's financial data is as of 6/30/2012.


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