Lakeland Financial Q1 2023 investor presentation highlights $3.0B liquidity, stable deposits post-crisis

LAKELAND FINANCIAL CORP

Tangible book value $23.36/share; TCE/tangible assets 9.34%; total risk-based capital 15.21% — well above well-capitalized.
Total deposits $5.5B stable; DDA 28% (down from 32% at year-end); uninsured deposits (ex-public funds) 29%.
Available liquidity $3.0B unchanged; supplemented by FHLB, FRB discount window, BTFP, and brokered CDs.
Investment portfolio market value loss $202M (AFS+HTM); portfolio duration 12.2 years; nearly $400M cash flows 2023-2026.
YTD 2023 ROAA 1.54%, ROAE 16.92%; deposit beta 34% from March 2022; asset sensitive balance sheet.

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