{"schema_version":"secwatch.filing_event.v1","accession":"0000721994-24-000009","form_type":"8-K","ticker":"LKFN","cik":"0000721994","company_name":"LAKELAND FINANCIAL CORP","filed_at":"2024-01-25T23:59:59+00:00","discovered_at":"2026-05-14T18:03:26.754147+00:00","generated_at":"2026-06-06T18:46:14.054439+00:00","sec_items":["7.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Lakeland Financial reports 2023 net income $93.8M, down 10% YoY; core EPS $3.95","bullets":["2023 net income $93.8M ($3.65 diluted EPS), down 10% YoY; adjusted net income $101.6M ($3.95 EPS).","Net interest margin compressed 66 bps from 4Q22 to 4Q23; NII down 3% YoY to $197.0M.","Average loans grew 9% YoY to $4.81B; deposits decreased 2% to $5.6B.","Nonperforming loans remain low at 0.25% of total loans; watchlist loans at historic lows.","TCE ratio 9.91%, risk-based capital 15.46%; no change to dividend or guidance."],"urls":{"canonical":"https://secwatch.observer/filing/0000721994-24-000009","json":"https://secwatch.observer/filing/0000721994-24-000009.json","markdown":"https://secwatch.observer/filing/0000721994-24-000009.md","text":"https://secwatch.observer/filing/0000721994-24-000009.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/721994/000072199424000009/0000721994-24-000009-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/721994/000072199424000009/lkfn-20240125.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-06T18:46:14.054439+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":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}