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Peer Analysis

Peer Analysis

Performance Ratios (%) LKFN Peer Median Peer Average
ROAA 1.74 1.36 1.35
ROAE 16.68 11.27 11.24
Net Interest Margin 3.45 3.75 3.70
Efficiency Ratio 44.52 56.81 57.08
Loans / Deposits 94.97 91.76 92.08
Asset Quality Ratios (%)
NPAs / Assets 0.26 0.49 0.63
NCOs / Avg Loans 0.01 0.10 0.12
Reserves / Loans 1.26 0.86 0.95
Reserves / NPAs 390.53 110.70 179.07
Capital Ratios (%)
Tier 1 Capital 13.22 12.77 12.95
Tangible Equity / Tangible Assets 11.02 9.55 9.83
Total Equity / Total Assets 11.11 12.24 12.26
Market Ratios
Price / Earnings (x) 13.86 12.35 12.59
Price / Book (%) 210.97 128.01 135.12
Dividend Yield (%) 2.66 2.94 2.72
Data for trailing four quarters

Lakeland Financial Corporation's peer group consists of the following: 1st Source Corporation (SRCE), BankFinancial Corporation (BFIN), Chemical Financial Corporation (CHFC), Community Trust Bancorp, Inc. (CTBI), Enterprise Financial Services Corp (EFSC), First Busey Corporation (BUSE), First Commonwealth Financial Corporation (FCF), First Defiance Financial Corp. (FDEF), First Merchants Corporation (FRME), German American Bancorp, Inc. (GABC), Heartland Financial USA, Inc. (HTLF), Hills Bancorporation (HBIA), MainSource Financial Group, Inc. (MSFG), MidWestOne Financial Group, Inc. (MOFG), Park National Corporation (PRK), Peoples Bancorp Inc. (PEBO), Pinnacle Financial Partners, Inc. (PNFP), Stock Yards Bancorp, Inc. (SYBT), United Community Financial Corp. (UCFC)

Lakeland Financial Corporation's financial data is as of 3/31/2019.

Peer financial data is as of 3/31/2019 except for these companies:

MainSource Financial Group, Inc.'s financial data is as of 3/31/2018.
Pinnacle Financial Partners, Inc.'s financial data is as of 6/30/2019.
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