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Lake City Bank Concludes 140th Year With Record Performance



Lake City Bank Concludes 140th Year With Record Performance

Strong Loan Growth Highlights 4th Quarter Results

WARSAW, Ind., Jan. 25, 2013 (GLOBE NEWSWIRE) -- Lakeland Financial Corporation
(Nasdaq:LKFN), parent company of Lake City Bank, today reported record net
income of $35.4 million for 2012. This performance represents a 15%, or $4.7
million, increase in net income versus $30.7 million for 2011. Diluted net
income per share increased 14% to $2.15 for 2012, versus $1.88 in 2011, and
also represents a Company record.

The Company further reported net income of $8.6 million for the fourth quarter
of 2012, which represented a 4% increase over $8.3 million in the fourth
quarter of 2011. Diluted net income per share for the quarter increased 4% to
$0.52 versus $0.50 for the comparable period of 2011. Net income for the
linked third quarter of 2012 was $9.3 million.

Michael L. Kubacki, Chairman and Chief Executive Officer, commented, "In the
last quarter century, we've produced record net income for our shareholders in
24 of those 25 years and 2012 represents our third consecutive year of record
performance. We believe that these consistent results are a reflection of our
relentless focus on taking care of our customers every day in every office."

Kubacki continued, "2012 represented Lake City Bank's 140^th year of
continuous service under the same name in our Indiana communities. Since our
1872 opening as the fourth bank in the small town of Warsaw, we've grown to
become the fourth largest bank headquartered in Indiana. As we have grown,
we've successfully maintained our commitment to the Hoosier communities we
serve. We're proud that we have preserved the principles and ideals of a
community bank while at the same time delivering strong shareholder value."

The Company previously announced that its normal quarterly dividend of $0.17
for the fourth quarter would be paid in December of 2012 instead of the first
quarter of 2013. This dividend was paid early due to the uncertainty, which
existed at that time, regarding the future taxation of dividends. The
quarterly dividends paid for each quarter of 2012 represents a 10% increase
over those paid in 2011. The Company expects to return to its normal schedule
for paying quarterly dividends during 2013.

Total loans outstanding increased by $54 million during the quarter, growing
from $2.20 billion at September 30, 2012 to $2.26 billion at December 31,
2012. This represents a linked quarter increase of 2.5%. Average total loans
for the fourth quarter of 2012 were $2.21 billion versus $2.20 billion for the
fourth quarter of 2011, an increase of 1%. Total loans outstanding grew $24
million, or 1%, from $2.23 billion as of December 31, 2011 to $2.26 billion as
of December 31, 2012.

David M. Findlay, President and Chief Financial Officer, stated, "We were
pleased with the level of loan growth in the quarter. Despite organic loan
demand continuing to be lower when compared to our historical levels, we have
seen some improvement and believe that this kind of growth is reflective of
our strong market position. While our pipeline indicates that there are
encouraging signs of improving loan demand in the near future, the overall
competitive environment will continue to temper market share gains."

The Company's net interest margin was 3.10% in the fourth quarter of 2012
versus 3.38% for the fourth quarter of 2011 and 3.30% in the linked third
quarter of 2012. The year-over-year margin decline resulted primarily from
reduced yields in the investment portfolio and slightly lower commercial loan
yields as interest rates continue to be at historic lows. The reduced yields
in the investment portfolio were driven by prepayments in the Company's agency
mortgage-backed securities portfolio. The prepayments generally have a
negative impact on investment portfolio yields, including the Company having
to reinvest in lower yielding securities and the acceleration of premium
amortization. For the year ended December 31, 2012, the Company's net interest
margin was 3.28% versus 3.54% for the comparable period in 2011.

Findlay observed, "As with most financial institutions, the unprecedented and
prolonged low interest rate environment has continued to negatively impact our
net interest margin performance. While we have some ability to further lower
deposit costs, which we will pursue in 2013, the continued pressure on loan
and investment yields will make it challenging for us to improve our net
interest margin for the foreseeable future."   

The Company's tangible common equity to tangible assets ratio was 9.63% at
December 31, 2012 compared to 9.36% at December 31, 2011 and 9.90% at
September 30, 2012. Average total deposits for the quarter ended December 31,
2012 were $2.55 billion versus $2.49 billion for the third quarter of 2012 and
$2.42 billion for the fourth quarter of 2011.

The Company's provision for loan losses in the fourth quarter of 2012 was $1.3
million versus $2.9 million in the same period of 2011. In the third quarter
of 2012, the provision was $0. For the year ended December 31, 2012, the
Company's provision for loan losses was $2.5 million versus $13.8 million for
the comparable period in 2011. The provision decrease on a year-over-year
basis was generally driven by the stabilization and improvement in key loan
quality metrics, appropriate reserve coverage of nonperforming loans,
continuing signs of stabilization in the economic conditions of the Company's
markets and general signs of improvement in our borrowers' performance and
future prospects. The Company's allowance for loan losses as of December 31,
2012 was $51.4 million compared to $53.4 million as of December 31, 2011 and
$51.9 million as of September 30, 2012. The allowance for loan losses
represented 2.28% of total loans as of December 31, 2012 versus 2.39% at
December 31, 2011 and 2.36% as of September 30, 2012. Further, the allowance
for loan losses represented 167% of nonperforming loans as of December 31,
2012 versus 135% at December 31, 2011 and 156% as of September 30, 2012.

Net charge-offs totaled $1.7 million in the fourth quarter of 2012 versus net
charge-offs of $1.6 million during the fourth quarter of 2011 and net
recoveries of $96,000 during the linked third quarter of 2012. The largest
charge-off attributable to a single commercial credit during the quarter was
$947,000. For the year ended December 31, 2012, net charge-offs were $4.5
million versus $5.4 million for the comparable period in 2011. Nonperforming
assets decreased 24% to $31.6 million as of December 31, 2012 versus $41.6
million as of December 31, 2011. On a linked quarter basis, nonperforming
assets were 7% lower than the $34.0 million reported as of September 30,
2012. The decrease in nonperforming assets during the quarter primarily
resulted from charge-offs as well as payments received on nonperforming
loans. The ratio of nonperforming assets to total assets at December 31, 2012
was 1.03% versus 1.44% at December 31, 2011 and 1.15% at September 30,
2012. Total watch list loans were $181.9 million at December 31, 2012 versus
$166.7 million at December 31, 2011 and $150.7 million at September 30,
2012. The quarter over quarter increase in the watch list primarily resulted
from the addition of four related loan relationships totaling $35.7 million.

Findlay added, "We're cautiously optimistic with the consistent improvements
we have seen in our loan quality measures during 2012. Generally, our
borrowers' balance sheet strength and financial performance have stabilized or
improved. Yet, there continues to be uncertainty regarding the sustainability
of this recovery, and we continue to monitor the impact on our borrowers
closely."

For the year ended December 31, 2012, the Company's noninterest income
increased 13% from $22.2 million in 2011 to $25.2 million. For the fourth
quarter of 2012, noninterest income increased 32% to $7.3 million versus $5.5
million for the fourth quarter of 2011. On a linked quarter basis, noninterest
income increased by $1.1 million from $6.2 million in the third quarter of
2012. On a year-over-year basis, quarterly noninterest income was positively
impacted by a $506,000 increase in loan, insurance and service fees and a
$566,000 increase in mortgage banking income. In addition, noninterest income
was positively impacted by an increase of $204,000 in wealth advisory fees and
increases of $159,000 in investment brokerage fees.

Kubacki concluded, "We experienced good growth in fee based businesses in 2012
as a result of our continuing focus on cross selling both retail and
commercial services. These efforts have resulted in broader relationships with
our clients and an increase in every line item category of fee based services
in 2012. This will be key as we continue to develop and expand our technology
driven solutions for our clients."

For the year ended December 31, 2012, noninterest expense increased 5% from
$55.1 million in 2011 to $57.7 million. The Company's noninterest expense
increased 8% to $14.5 million in the fourth quarter of 2012, versus $13.5
million in the comparable quarter of 2011.  On a linked quarter basis,
noninterest expense increased by $209,000 versus $14.3 million in the third
quarter of 2012. On a year-over-year basis, quarterly salaries and employee
benefits increased $527,000, driven by staff additions and normal merit
increases. In addition, salaries and employee benefits were impacted by higher
pension expense related to participants taking lump-sum distributions. Data
processing fees increased by $499,000 driven by a larger customer base as well
as greater utilization of services from the Company's core processor. In
addition, equipment costs increased $114,000 in the three month period ended
December 31, 2012 versus the same period of 2011 driven by higher depreciation
expense. The Company's efficiency ratio for the fourth quarter of 2012 was
52%, compared to a ratio of 48% for the comparable quarter of 2011 and 50% for
the linked third quarter of 2012.

Lakeland Financial Corporation is a $3.1 billion bank holding company
headquartered in Warsaw, Indiana. Lake City Bank serves Indiana with 45
branches located in the following Indiana counties: Kosciusko, Elkhart, Allen,
St. Joseph, DeKalb, Fulton, Hamilton, Huntington, LaGrange, Marshall, Noble,
Pulaski and Whitley.

Lakeland Financial Corporation may be accessed on the home page of its
subsidiary, Lake City Bank, at www.lakecitybank.com. The Company's common
stock is traded on the Nasdaq Global Select Market under "LKFN".

In addition to the results presented in accordance with generally accepted
accounting principles in the United States of America, this press release
contains certain non-GAAP financial measures. Lakeland Financial believes that
providing non-GAAP financial measures provides investors with information
useful to understanding Lakeland Financial's financial
performance. Additionally, these non-GAAP measures are used by management for
planning and forecasting purposes, including measures based on "tangible
common equity" which is "common stockholders' equity" excluding intangible
assets, net of deferred tax. A reconciliation of these non-GAAP measures to
the most comparable GAAP equivalent is included in the attached financial
tables where the non-GAAP measure is presented.

This document contains, and future oral and written statements of the Company
and its management may contain, forward-looking statements within the meaning
of the Private Securities Litigation Reform Act of 1995 with respect to the
financial condition, results of operations, plans, objectives, future
performance and business of the Company. Forward-looking statements, which may
be based upon beliefs, expectations and assumptions of the Company's
management and on information currently available to management, are generally
identifiable by the use of words such as "believe," "expect," "anticipate,"
"plan," "intend," "estimate," "may," "will," "would," "could," "should" or
other similar expressions. Additionally, all statements in this document,
including forward-looking statements, speak only as of the date they are made,
and the Company undertakes no obligation to update any statement in light of
new information or future events. Additional information concerning the
Company and its business, including factors that could materially affect the
Company's financial results, is included in the Company's filings with the
Securities and Exchange Commission, including the Company's Annual Report on
Form 10-K.

LAKELAND FINANCIAL CORPORATION
FOURTH QUARTER 2012 FINANCIAL HIGHLIGHTS
(Unaudited – Dollars in thousands except share and per share data)
                                                                     
                        Three Months Ended               Twelve Months Ended
                        Dec. 31,   Sep. 30,   Dec. 31,   Dec. 31,   Dec. 31,
                        2012       2012       2011       2012       2011
END OF PERIOD BALANCES                                               
Assets                  $3,064,144 $2,952,208 $2,889,688 $3,064,144 $2,889,688
Deposits                2,581,756  2,476,097  2,412,696  2,581,756  2,412,696
Loans                   2,257,520  2,203,388  2,233,709  2,257,520  2,233,709
Allowance for Loan      51,445     51,912     53,400     51,445     53,400
Losses
Total Equity            297,828    294,990    273,289    297,828    273,289
Tangible Common Equity  294,821    291,946    270,078    294,821    270,078
AVERAGE BALANCES                                                     
Total Assets            $3,035,160 $2,960,363 $2,896,422 $2,976,239 $2,792,715
Earning Assets          2,731,083  2,718,318  2,718,707  2,720,783  2,642,158
Investments             482,912    475,899    464,975    477,010    447,620
Loans                   2,212,867  2,215,456  2,196,356  2,216,131  2,148,046
Total Deposits          2,546,704  2,492,042  2,424,444  2,505,195  2,325,963
Interest Bearing        2,175,268  2,127,463  2,089,130  2,151,094  2,015,439
Deposits
Interest Bearing        2,347,434  2,286,151  2,274,381  2,316,375  2,206,658
Liabilities
Total Equity            297,982    291,513    270,740    287,866    260,335
INCOME STATEMENT DATA                                                
Net Interest Income     $20,866    $22,160    $22,780    $87,671    $92,080
Net Interest
Income-Fully Tax        21,272     22,561     23,166     89,290     93,611
Equivalent
Provision for Loan      1,250      0          2,900      2,549      13,800
Losses
Noninterest Income      7,305      6,229      5,538      25,196     22,205
Noninterest Expense     14,511     14,302     13,485     57,742     55,105
Net Income              8,602      9,347      8,261      35,394     30,662
PER SHARE DATA                                                       
Basic Net Income Per    $0.53      $0.57      $0.51      $2.17      $1.89
Common Share
Diluted Net Income Per  0.52       0.57       0.50       2.15       1.88
Common Share
Cash Dividends Declared 0.34       0.17       0.155      0.835      0.62
Per Common Share
Book Value Per Common
Share (equity per share 18.18      18.04      16.85      18.18      16.85
issued)
Market Value – High     27.89      28.82      26.48      28.82      26.48
Market Value – Low      23.47      25.09      19.67      23.47      19.40
Basic Weighted Average
Common Shares           16,356,551 16,340,425 16,214,006 16,323,870 16,204,952
Outstanding
Diluted Weighted
Average Common Shares   16,502,313 16,490,390 16,361,607 16,482,937 16,324,644
Outstanding
KEY RATIOS                                                           
Return on Average       1.13%      1.26%      1.13%      1.19%      1.10%
Assets
Return on Average Total 11.48      12.76      12.11      12.30      11.78
Equity
Efficiency (Noninterest
Expense / Net Interest  51.51      50.38      47.62      51.16      48.22
Income plus Noninterest
Income)
Average Equity to       9.82       9.85       9.35       9.67       9.32
Average Assets
Net Interest Margin     3.10       3.30       3.38       3.28       3.54
Net Charge Offs to      0.31        (0.02)    0.28       0.20       0.25
Average Loans
Loan Loss Reserve to    2.28       2.36       2.39       2.28       2.39
Loans
Loan Loss Reserve to    166.60     155.73     135.27     166.60     135.27
Nonperforming Loans
Loan Loss Reserve to
Nonperforming Loans and 96.68      83.31      86.61      96.68      86.61
Performing TDR's
Nonperforming Loans to  1.37       1.51       1.77       1.37       1.77
Loans
Nonperforming Assets to 1.03       1.15       1.44       1.03       1.44
Assets
Tier 1 Leverage         10.46      10.59      10.13      10.46      10.13
Tier 1 Risk-Based       13.01      13.32      12.31      13.01      12.31
Capital
Total Capital           14.27      14.59      13.57      14.27      13.57
Tangible Capital        9.63       9.90       9.36       9.63       9.36
ASSET QUALITY                                                        
Loans Past Due 30 - 89  $4,253     $4,028     $4,230     $4,253     $4,230
Days
Loans Past Due 90 Days  50         109        52         50         52
or More
Non-accrual Loans       30,829     33,226     39,425     30,829     39,425
Nonperforming Loans
(includes nonperforming 30,879     33,335     39,477     30,879     39,477
TDR's)
Other Real Estate Owned 667        681        2,075      667        2,075
Other Nonperforming     23         5          33         23         33
Assets
Total Nonperforming     31,569     34,021     41,584     31,569     41,584
Assets
Nonperforming Troubled
Debt Restructurings     28,506     28,979     34,272     28,506     34,272
(included in
nonperforming loans)
Performing Troubled     22,332     26,106     22,177     22,332     22,177
Debt Restructurings
Total Troubled Debt     50,838     55,085     56,449     50,838     56,449
Restructurings
Impaired Loans          58,935     61,294     63,518     58,935     63,518
Total Watch List Loans  181,878    150,709    166,701    181,878    166,701
Gross Charge Offs       1,855      482        1,781      5,922      6,829
Recoveries              138        578        208        1,418      1,422
Net Charge              1,717       (96)      1,573      4,504      5,407
Offs/(Recoveries)

 
 
LAKELAND FINANCIAL CORPORATION
CONSOLIDATED BALANCE SHEETS
As of December 31, 2012 and 2011
(in thousands, except share data)
                                                                   
                                                     December 31, December 31,
                                                     2012         2011
                                                     (Unaudited)   
ASSETS                                                             
Cash and due from banks                              $156,666     $56,909
Short-term investments                               75,571       47,675
Total cash and cash equivalents                      232,237      104,584
                                                                   
Securities available for sale (carried at fair       467,021      467,391
value)
Real estate mortgage loans held for sale             9,452        2,953
                                                                   
Loans, net of allowance for loan losses of $51,445   2,206,075    2,180,309
and $53,400
                                                                   
Land, premises and equipment, net                    34,840       34,736
Bank owned life insurance                            61,112       39,959
Accrued income receivable                            8,491        9,612
Goodwill                                             4,970        4,970
Other intangible assets                              47           99
Other assets                                         39,899       45,075
Total assets                                         $3,064,144   $2,889,688
                                                                   
LIABILITIES AND EQUITY                                             
                                                                   
LIABILITIES                                                        
Noninterest bearing deposits                         $407,926     $356,682
Interest bearing deposits                            2,173,830    2,056,014
Total deposits                                       2,581,756    2,412,696
                                                                   
Short-term borrowings                                              
Federal funds purchased                              0            10,000
Securities sold under agreements to repurchase       121,883      131,990
Total short-term borrowings                          121,883      141,990
                                                                   
Accrued expenses payable                             15,321       13,550
Other liabilities                                    1,390        2,195
Long-term borrowings                                 15,038       15,040
Subordinated debentures                              30,928       30,928
Total liabilities                                    2,766,316    2,616,399
                                                                   
EQUITY                                                             
Common stock: 90,000,000 shares authorized, no par
value 16,377,247 shares issued and 16,290,136
outstanding as of December 31, 2012 16,217,019       90,039       87,380
shares issued and 16,145,772 outstanding as of
December 31, 2011
Retained earnings                                    203,654      181,903
Accumulated other comprehensive income               5,689        5,139
Treasury stock, at cost (2012 - 87,111 shares, 2011   (1,643)      (1,222)
- 71,247 shares)
Total stockholders' equity                           297,739      273,200
                                                                   
Noncontrolling interest                              89           89
Total equity                                         297,828      273,289
Total liabilities and equity                         $3,064,144   $2,889,688

 
 
LAKELAND FINANCIAL CORPORATION
CONSOLIDATED STATEMENTS OF INCOME
For the Three Months and Twelve Months Ended December 31, 2012 and 2011
(in thousands except for share and per share data)
(unaudited)
                                                                     
                                   Three Months Ended    Twelve Months Ended
                                   December 31,          December 31,
                                   2012       2011       2012       2011
NET INTEREST INCOME                                                  
Interest and fees on loans                                           
Taxable                            $24,960    $26,381    $102,749   $104,936
Tax exempt                         108        114        441        471
Interest and dividends on                                            
securities
Taxable                            886        2,940      8,311      13,575
Tax exempt                         706        688        2,800      2,756
Interest on short-term investments 25         40         68         154
Total interest income              26,685     30,163     114,369    121,892
                                                                     
Interest on deposits               5,315      6,867      24,667     27,735
Interest on borrowings                                               
Short-term                         112        135        441        612
Long-term                          392        381        1,590      1,465
Total interest expense             5,819      7,383      26,698     29,812
                                                                     
NET INTEREST INCOME                20,866     22,780     87,671     92,080
                                                                     
Provision for loan losses          1,250      2,900      2,549      13,800
                                                                     
NET INTEREST INCOME AFTER          19,616     19,880     85,122     78,280
PROVISION FOR LOAN LOSSES
                                                                     
NONINTEREST INCOME                                                   
Wealth advisory fees               1,053      849        3,823      3,462
Investment brokerage fees          626        467        3,061      2,560
Service charges on deposit         2,078      2,012      8,015      7,950
accounts
Loan, insurance and service fees   1,760      1,254      5,822      4,849
Merchant card fee income           282        245        1,184      1,020
Other income                       533        437        2,147      1,817
Mortgage banking income            972        406        2,546      1,000
Net securities gains (losses)       1         0           (376)      (167)
Other than temporary impairment
loss on available-for-sale                                           
securities:
Total impairment losses recognized 0           (132)      (1,026)    (286)
on securities
Loss recognized in other           0          0          0          0
comprehensive income
Net impairment loss recognized in   0          (132)      (1,026)    (286)
earnings
Total noninterest income           7,305      5,538      25,196     22,205
                                                                     
NONINTEREST EXPENSE                                                  
Salaries and employee benefits     8,532      8,005      34,539     32,807
Net occupancy expense              777        733        3,296      3,106
Equipment costs                    718        604        2,572      2,204
Data processing fees and supplies  1,334      835        4,378      3,655
Other expense                      3,150      3,308      12,957     13,333
Total noninterest expense          14,511     13,485     57,742     55,105
                                                                     
INCOME BEFORE INCOME TAX EXPENSE   12,410     11,933     52,576     45,380
                                                                     
Income tax expense                 3,808      3,672      17,182     14,718
                                                                     
NET INCOME                         $8,602     $8,261     $35,394    $30,662
                                                                     
BASIC WEIGHTED AVERAGE COMMON      16,356,551 16,214,006 16,323,870 16,204,952
SHARES
BASIC EARNINGS PER COMMON SHARE    $0.53      $0.51      $2.17      $1.89
DILUTED WEIGHTED AVERAGE COMMON    16,502,313 16,361,607 16,482,937 16,324,644
SHARES
DILUTED EARNINGS PER COMMON SHARE  $0.52      $0.50      $2.15      $1.88

 
 
LAKELAND FINANCIAL CORPORATION
LOAN DETAIL
FOURTH QUARTER 2012
(unaudited in thousands)
                                                                        
                      December 31,       September 30,      December 31,
                      2012               2012               2011
Commercial and                                                          
industrial loans:
Working capital lines $439,638   19.5%   $445,981   20.2%   $373,768   16.7%
of credit loans
Non-working capital   407,184     18.0   382,850    17.4    377,388    16.9
loans
Total commercial and  846,822    37.5    828,831    37.6    751,156    33.6
industrial loans
                                                                        
Commercial real
estate and                                                              
multi-family
residential loans:
Construction and land 82,494     3.7     87,949      4.0    82,284     3.7
development loans
Owner occupied loans  358,617    15.9    363,673    16.5    346,669    15.5
Nonowner occupied     314,889    13.9    308,146     14.0   385,090    17.2
loans
Multifamily loans     45,011      2.0    25,482     1.2     38,477     1.7
Total commercial real
estate and            801,011    35.5    785,250    35.6    852,520    38.2
multi-family
residential loans
                                                                        
Agri-business and                                                       
agricultural loans:
Loans secured by      109,147    4.8     119,524    5.4     118,224    5.3
farmland
Loans for
agricultural          115,572    5.1     94,563     4.3     119,705    5.4
production
Total agri-business
and agricultural      224,719     10.0   214,087    9.7     237,929    10.7
loans
                                                                        
Other commercial      56,807     2.5     44,982      2.0    58,278     2.6
loans
Total commercial      1,929,359  85.5    1,873,150  85.0    1,899,883  85.0
loans
                                                                        
Consumer 1-4 family                                                     
mortgage loans:
Closed end first      109,823    4.9     106,147    4.8     106,999    4.8
mortgage loans
Open end and junior   161,366    7.1     168,507    7.6     175,694    7.9
lien loans
Residential
construction and land 11,541     0.5     11,303     0.5     5,462      0.2
development loans
Total consumer 1-4    282,730    12.5    285,957     13.0   288,155    12.9
family mortgage loans
                                                                        
Other consumer loans  45,755      2.0    44,691      2.0    45,999     2.1
Total consumer loans  328,485    14.5    330,648     15.0   334,154     15.0
Subtotal              2,257,844   100.0% 2,203,798   100.0% 2,234,037   100.0%
Less: Allowance for    (51,445)           (51,912)           (53,400)   
loan losses
 Net deferred loan     (324)              (410)              (328)      
fees
Loans, net            $2,206,075         $2,151,476         $2,180,309  

CONTACT: David M. Findlay
         President and
         Chief Financial Officer
         (574) 267-9197
         david.findlay@lakecitybank.com
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