{"schema_version":"secwatch.filing_event.v1","accession":"0000721994-23-000008","form_type":"8-K","ticker":"LKFN","cik":"0000721994","company_name":"LAKELAND FINANCIAL CORP","filed_at":"2023-01-25T23:59:59+00:00","discovered_at":"2026-05-14T18:03:47.882830+00:00","generated_at":"2026-06-20T10:02:42.029554+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Lakeland Financial reports record FY2022 net income $103.8M, EPS $4.04; Q4 EPS $1.01","bullets":["Full year net income $103.8M, +8% YoY; diluted EPS $4.04, +8%.","Q4 net income $26.0M, +7% YoY but -9% linked quarter; diluted EPS $1.01.","Net interest margin expanded to 3.89% in Q4 (up 102 bps YoY, 32 bps linked).","Provision expense $9.0M in Q4 vs nil; $10.7M commercial credit downgrade and $3.7M charge-off.","Dividend increased 15% to $0.46 per share, payable Feb 6, 2023 to record Jan 25."],"urls":{"canonical":"https://secwatch.observer/filing/0000721994-23-000008","json":"https://secwatch.observer/filing/0000721994-23-000008.json","markdown":"https://secwatch.observer/filing/0000721994-23-000008.md","text":"https://secwatch.observer/filing/0000721994-23-000008.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/721994/000072199423000008/0000721994-23-000008-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/721994/000072199423000008/lkfn-20230125.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-20T10:02:42.029554+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"52619baf9ca19087eafcce75bd27b30e34dcefed","claim":"LAKELAND FINANCIAL CORP reported the three months ended December 31, 2022 results: net income $26.0 million, EPS $1.01.","evidence_excerpt":"The company further reported quarterly net income of $26.0 million for the three months ended December 31, 2022 versus $24.3 million for the comparable period of 2021, an increase of $1.7 million, or 7%. Diluted net income per common share increased 6% to $1.01 for the fourth quarter of 2022 versus $0.95 for the comparable period of 2021.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/721994/000072199423000008/0000721994-23-000008-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the three months ended December 31, 2022"},{"label":"Net income","value":"$26.0 million"},{"label":"EPS","value":"$1.01"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"},{"claim_id":"c4e440828d7283c2feaa3690578c59e1a88f7162","claim":"LAKELAND FINANCIAL CORP reported the twelve months ended December 31, 2022 results: net income $103.8 million, EPS $4.04.","evidence_excerpt":"Lakeland Financial Corporation (Nasdaq Global Select/LKFN), parent company of Lake City Bank, today reported record full year net income of $103.8 million, which represents an increase of $8.1 million, or 8%, compared with net income of $95.7 million for 2021. Diluted earnings per share of $4.04 was also a record for 2022, and increased 8% compared to $3.74 for 2021.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/721994/000072199423000008/0000721994-23-000008-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the twelve months ended December 31, 2022"},{"label":"Net income","value":"$103.8 million"},{"label":"EPS","value":"$4.04"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}