{"schema_version":"secwatch.filing_event.v1","accession":"0000721994-23-000034","form_type":"8-K","ticker":"LKFN","cik":"0000721994","company_name":"LAKELAND FINANCIAL CORP","filed_at":"2023-04-25T23:59:59+00:00","discovered_at":"2026-05-14T18:03:42.062383+00:00","generated_at":"2026-06-16T17:28:35.636260+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Lakeland Financial Q1 record net income $24.3M; NIM expands YoY 61bps, compresses QoQ 35bps","bullets":["Diluted EPS $0.94 (+2% YoY); ROAA 1.54%, ROAE 16.81%.","Net interest margin 3.54% (+61bps YoY, -35bps from Q4 2022).","Loan growth $401.2M (9% YoY); deposit contraction $302.9M (5% YoY).","Provision expense $4.4M vs $471K a year ago; net charge-offs $5.7M from one commercial customer.","Dividend increased 15% to $0.46 per share; $30M share repurchase program reauthorized."],"urls":{"canonical":"https://secwatch.observer/filing/0000721994-23-000034","json":"https://secwatch.observer/filing/0000721994-23-000034.json","markdown":"https://secwatch.observer/filing/0000721994-23-000034.md","text":"https://secwatch.observer/filing/0000721994-23-000034.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/721994/000072199423000034/0000721994-23-000034-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/721994/000072199423000034/lkfn-20230425.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-16T17:28:35.636260+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":"256ea8652d95b36da4f8da8181c8db769584f43a","claim":"LAKELAND FINANCIAL CORP reported the three months ended March 31, 2023 results: net income $24.3 million, EPS $0.94.","evidence_excerpt":"Lakeland Financial Corporation (Nasdaq Global Select/LKFN), parent company of Lake City Bank, today reported record first quarter net income of $24.3 million for the three months ended March 31, 2023, which represents an increase of $636,000, or 3%, compared with net income of $23.6 million for the three months ended March 31, 2022. Diluted earnings per share of $0.94 was also a record for the first quarter and increased 2% compared to $0.92 for the first quarter of 2022.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/721994/000072199423000034/0000721994-23-000034-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the three months ended March 31, 2023"},{"label":"Net income","value":"$24.3 million"},{"label":"EPS","value":"$0.94"},{"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"}