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LAKELAND FINANCIAL CORPORATION (NASDAQ - LKFN)

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	2013 FQ1	2012 FQ1		2012 FQ4
Period Ended	3/31/2013	3/31/2012	Y-Y Ch (%)	12/31/2012	Q-Q Ch (%)^†
Balance Sheet ($000)
Total Assets	2,927,702	2,954,616	(0.91)	3,064,144	(17.81)
Total Net Loans	2,218,271	2,177,245	1.88	2,215,527	0.50
Total Deposits	2,451,188	2,483,870	(1.32)	2,581,756	(20.23)
Equity Attributable to Parent Company	306,585	280,871	9.16	297,739	11.88
Total Equity	306,674	280,960	9.15	297,828	11.88
Profitability (%)
Net Income ($000)	9,246	8,626	7.19	8,602	29.95
Net Income Attributable to Parent ($000)	9,246	8,626	7.19	8,602	29.95
ROAA	1.26	1.19	7 bp	1.13	13 bp
Core ROAA	1.26	1.24	2 bp	1.13	13 bp
ROAE	12.20	12.45	(25) bp	11.55	65 bp
ROATCE	12.46	12.70	(24) bp	11.82	64 bp
Core ROAE	12.25	12.94	(69) bp	11.62	63 bp
Net Interest Margin	3.13	3.38	(25) bp	3.11	2 bp
Reported: Net Interest Margin	3.17	3.41	(24) bp	3.10	7 bp
Efficiency Ratio	51.04	50.17	87 bp	51.85	(81) bp
Noninterest Inc / Operating Rev	26.03	22.03	400 bp	25.93	10 bp
Balance Sheet Ratios/ Capital (%)
Loans / Deposits	92.30	89.60	270 bp	87.44	486 bp
Securities / Assets	16.85	16.48	37 bp	15.59	126 bp
Total Equity / Total Assets	10.47	9.51	96 bp	9.72	75 bp
Tangible Equity / Tangible Assets	10.32	9.35	97 bp	9.57	75 bp
Tang Common Equity / Tang Assets	10.32	9.35	97 bp	9.57	75 bp
Tier 1 Common Capital Ratio	NA	11.29	NA bp	11.78	NA bp
Tier 1 Ratio	13.51	12.55	96 bp	13.01	50 bp
Risk-based Capital Ratio	14.77	13.81	96 bp	14.27	50 bp
Leverage Ratio (Bank, BHC Only)	11.11	10.37	74 bp	10.46	65 bp
Core Cap / Tang Assets (OTS Only)	NA	NA	NA	NA	NA
Asset Quality (%)
NPAs / Assets	1.57	2.07	(50) bp	1.76	(19) bp
NPA Excl Restructured / Assets	0.77	1.31	(54) bp	1.03	(26) bp
NPAs & 90+ PD / Assets	1.57	2.08	(51) bp	1.76	(19) bp
NPAs / Loans & REO	2.03	2.75	(72) bp	2.37	(34) bp
Nonaccrual & 90+ & OREO / Assets	0.77	1.31	(54) bp	1.03	(26) bp
NPAs & 90+ PD / Loans & REO	2.03	2.75	(72) bp	2.38	(35) bp
NPA & Loans 90+ / Tangible Common Equity + LLR	13.06	18.68	(562) bp	15.66	(260) bp
NCOs / Avg Loans	0.11	0.26	(15) bp	0.31	(20) bp
Loan Loss Reserves / Gross Loans	2.24	2.37	(13) bp	2.27	(3) bp
Reserves / NPAs	110.44	86.05	2,439 bp	95.53	1,491 bp
Loan Loss Provision / NCO	0	55.41	(5,541) bp	72.80	(7,280) bp
Per Share Information ($)
Common Shares Outstanding (actual)	16,333,922	16,237,670	0.59	16,290,136	1.08
Avg Diluted Shares (actual)	16,527,171	16,439,243	0.53	16,502,313	0.60
Basic Book Value per Share	18.77	17.30	8.50	18.28	10.72
As-reported Book Value per Share	18.67	17.21	8.48	18.18	10.78
Basic Tangible Book Value per Share	18.46	16.99	8.65	17.97	10.91
Reported: Tangible Book Value	NA	17.11	NA	18.10	NA
Common Dividends Declared per Share	0	0.16	NM	0.34	NM
EPS after Extra	0.56	0.52	7.69	0.52	30.77
EPS after Extra Growth (%)	7.70	40.50	(3,285) bp	4.00	369 bp
Core EPS	0.56	0.54	3.70	0.52	30.77
Core EPS Growth (%)	3.70	40.90	(3,723) bp	2.90	78 bp
Diluted EPS before Amortization	0.56	0.52	7.69	0.52	30.77
Pre-Provision Earnings Per Share	0.55	0.56	(1.79)	0.54	7.41

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^† Q-Q Ch(%)= most recent quarter minus prior quarter annualized e.g. [(Q4-Q3)/Q3]*4

* Percentages presented for individual quarters are annualized by taking the quarter amount and multiplying by four.


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