Lakeland Financial Corporation · NASDAQ:LKFN
Lakeland Financial — Q3 2025 Earnings Presentation
62 slides from Lakeland Financial's earnings presentation, Oct 27, 2025
Slide 1: A Proven History of Shareholder Value Creation
Lakeland Financial Corporation A Proven History of Shareholder Value Creation And Commitment to Our Communities 3rd Quarter 2025 LKFN L I S T E D
Slide 2: Executive Contacts
2 David M. Findlay Chairman & Chief Executive Officer david.findlay@lakecitybank.com (574) 267-9197 Kristin L. Pruitt President kristin.pruitt@lakecitybank.com (574) 371-9220 Lisa M. O’Neill Executive Vice President & Chief Financial Officer lisa.oneill@lakecitybank.com (574) 267-9125
Slide 3: Forward-Looking Information
3 Forward-Looking Information This presentation 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. Forward-looking statements are not historical facts a
Slide 4: Long Term Success for Shareholders
4 Long Term Success for Shareholders LTM ROE >13% Source: S&P Capital IQ Pro. Financial data is as of June 30, 2025. (1) Includes banks and thrifts traded on the NYSE, NYSEAM or NASDAQ as of 10/13/25; excludes merger targets. (2) Defined as having positive net income before extraordinary items and p
Slide 5: Strong Capital Structure
Tangible Common Equity 92.8% Allowance for Credit Losses 7.2% $3 4. 39 $0.00 $5.00 $10.00 $15.00 $20.00 $25.00 $30.00 $35.00 $40.00 19 91 19 93 19 95 19 97 19 99 20 01 20 03 20 05 20 07 20 09 20 11 20 13 20 15 20 17 20 19 20 21 20 23 20 25 Tangible Book Value(1) Per Share 5 Strong Capital Structure
Slide 6: Lake City Bank Today
6 Lake City Bank Today • An entrepreneurial 153-year-old de novo bank • A long-term and consistent organic growth story • Headquartered in Warsaw, Indiana • 55 branch offices - $6.9 billion banking assets • $3.6 billion in Wealth Advisory assets • A forward-thinking technology adopter • Focused on e
Slide 7: Years of Organic Growth
7 34 Years of Organic Growth A History of Balance Sheet and Income Statement Expansion $2 ,7 07 $9 3, 47 8 $0 $20,000 $40,000 $60,000 $80,000 $100,000 $120,000 19 91 19 92 19 93 19 94 19 95 19 96 19 97 19 98 19 99 20 00 20 01 20 02 20 03 20 04 20 05 20 06 20 07 20 08 20 09 20 10 20 11 20 12 20 13 20
Slide 8: Established Market Presence
8 Established Market Presence Organic Growth Potential in Mature and Expanding Markets
Slide 9: Projected Population Growth Should Create Economic Expansion
9 Projected Population Growth Should Create Economic Expansion • 67% of Lake City Bank counties are growth and high growth counties • 40% of Lake City Bank counties are high growth counties • Indiana is poised to experience continued economic strength and vitality
Slide 10: Indiana Is Poised For Continued Economic Growth
10 Indiana Is Poised For Continued Economic Growth • Indiana #1 manufacturing state in the country(1) • Indiana hosted a semiconductor event in 2025. The state has attracted seven new semiconductor companies, secured a federal tech hub designation for microelectronics and broken ground on a new, 10-
Slide 11: Strong Regional and Statewide Economy
8. 4% 7. 2% 5. 7% 4. 2% 4. 1% 3. 7% 3. 4% 3. 0% 7. 5% 3. 3% 2. 9% 3. 6% 4. 3% 3. 7% 8. 4% 7. 3% 5. 9% 4. 5% 4. 4% 4. 0% 3. 6% 3. 2% 7. 2% 4. 0% 3. 2% 3. 5% 4. 5% 3. 8% 8. 2% 7. 3% 6. 3% 5. 2% 5. 0% 4. 5% 3. 9% 3. 8% 8. 5% 5. 3% 3. 8% 3. 9% 4. 4% 4. 5% 2.0% 4.0% 6.0% 8.0% 10.0% 12.0% 2012 August 2013
Slide 12: Fortress Balance Sheet
12 Fortress Balance Sheet LKFN Above Peer Long-Term Profitability has Contributed to a Strong Capital Foundation 8.0% 9.0% 10.0% 11.0% 12.0% 13.0% 14.0% 15.0% 16.0% 17.0% 18.0% Q4'10 Q4'11 Q4'12 Q4'13 Q4'14 Q4'15 Q4'16 Q4'17 Q4'18 Q4'19 Q4'20 Q4'21 Q4'22 Q4'23 Q4'24 Risk-Based Capital Ratio Proxy Pe
Slide 13: Net Interest Margin by Quarter
13 Net Interest Margin by Quarter NIM Expansion of 34 Basis Points Over Last Twelve Months 3.16% 3.25% 3.40% 3.42% 3.50% 3.00% 3.50% Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Quarterly NIM
Slide 14: Net Interest Margin
14 Net Interest Margin Deposit Costs Coming Down Rapidly • Linked quarter net interest margin expanded by 8 basis points in 3Q25 compared to 2Q25 • Cumulative Loan Beta 20% for recent easing cycle • Cumulative Deposit Beta 43% for recent easing cycle • Deposit repricing in current easing cycle conti
Slide 15: Interest Rate Sensitivity
15 Interest Rate Sensitivity Deposits Have Repriced Quicker Than Loans During Current Easing Cycle Fixed Rate $1,538,597 34% Prime $1,072,387 23% SOFR $1,389,403 30% FHLB/Other $604,684 13% Commercial Loans $4.6 billion as of September 30, 2025 (000’s) • 88% of loan portfolio consists of commercial
Slide 16: Projected Impact of Rising/Falling Rates
16 Projected Impact of Rising/Falling Rates Asset Sensitive Balance Sheet Maintains Neutral Shift Graph presents 12 month projected net interest income simulation results as of September 30, 2025 using parallel shocks -3.41% -1.75% -0.61% -0.23% -0.07% 0.05% 0.06% 0.04% -0.05% -0.18% -4.00% -2.00% 0
Slide 17: Deposit Composition Provides Diversification
17 Deposit Composition Provides Diversification Core Deposit Growth Consistently Funds Loan Growth Total Retail $1,724,983 29% Total Public Fund $1,834,987 30% Total Commercial $2,288,701 38% Brokered Deposits $175,647 3% September 30, 2025 Total Deposits - $6.0 billion DDA $1,268,241 DDA % of Total
Slide 18: Diversified Deposit Base
18 Diversified Deposit Base Deposit Franchise Consists of Broad-based and Deep Relationships • Deposit composition is stable with growth in all three deposit segments • 98% of deposit accounts are less than $250,000 at September 30, 2025 • Public Funds in Indiana are covered by the Public Deposit In
Slide 19: Public Fund Deposit Trends
$0 $500,000 $1,000,000 $1,500,000 $2,000,000 Dec-19 Dec-20 Dec-21 Dec-22 Dec-23 Dec-24 Sep-25 Checking and MMA CDs (000) 19 Public Fund Deposit Trends 86% of Large Public Fund Deposits are Operating Relationships $1,127,111 $1,162,457 $1,284,641 $1,429,873 $1,563,015 $1,809,631 $1,834,987
Slide 20: Checking Account Trends by Deposit Sector
20 Checking Accounting Trends by Deposit Sector Commercial Accounts Grow by 23% since December 2019 $1 ,1 05 ,2 67 $1 ,9 53 ,9 69 $2 ,1 05 ,4 11 $2 ,1 29 ,9 52 $2 ,1 34 ,1 29 $6 58 ,4 51 $1 ,0 73 ,3 14 $9 37 ,4 58 $9 71 ,8 52 $9 27 ,3 77 $8 34 ,9 53 $1 ,3 82 ,5 65 $1 ,3 09 ,9 65 $1 ,6 20 ,4 60 $1 ,6
Slide 21: Shareholder Value Strategy
21 Shareholder Value Strategy 1. Commercial Banking Focus 2. High Quality Team Members 3. Proven Organic Growth Experience 4. Focus on Core Deposit Funding 5. Commitment to Technology
Slide 22: Commercial Banking Focus
22 Commercial Banking Focus Experienced Relationship Driven Team • 47 credit “smart” commercial bankers • Average 23 years in banking & 13 years at Lake City Bank • We live where we lend • Face to face calling matters and is a team effort • Deep organizational structure provides credit and administr
Slide 23: Credit Process
23 Credit Process Commercial Banking Focus • Our credit discipline has never changed • We have a centralized committee structure • We are in-market lender to in-market clients • Character matters – we lend to people first • We focus on management/cash flow • Structure is important and is disciplined
Slide 24: Corporate Social Responsibility
24 Corporate Social Responsibility Over 153 Years of Focusing on Our Customers, Employees and Our Communities • Supporting our communities since 1872 • Focusing on continued, positive corporate stewardship • Caring for and building a diverse and inclusive team • Delivering customer-focused loan and
Slide 25: Lake City Bank Culture
25 Lake City Bank Culture High Quality Team Members • Our culture is our greatest asset and we will preserve it • Lake City University drives our culture • Our community involvement is real and critical to our strategy • Inclusion initiatives continue and create a culture of belonging • Our culture
Slide 26: Mature Market Deposit Performance
26 Mature1 Market Deposit Performance Organic Growth 2015 – 2025 $2,821 $2,689 $1,324 $494 $457 $428 $287 $283 $201 -$1,186-$1,500 -$1,000 -$500 $0 $500 $1,000 $1,500 $2,000 $2,500 $3,000 $3,500 Lake City Bank 1st Source JPM Chase Fifth Third Star Farm ers State First M erchants PN C O ld N ational
Slide 27: Commitment to Technology
27 Commitment to Technology Innovation and Competitive Technology is a Focus • Fintech partnerships play a significant role in our technology stack and enable delivery of innovative solutions to our customers • Investments in Lake City Bank Digital, a Q2 product implemented in 2021 with ongoing func
Slide 28: Channel Utilization Today versus Pre-Pandemic
28 Channel Utilization Today versus Pre-Pandemic Mobile Adoption Outpacing All Other Delivery Channels Period Change % of Total Total Transactions 2025(1) % of Total Total Transactions 2019(1) Channel Type (11)%13%2,038,77118%2,279,975Branch Transactions (24)%5%717,0087%944,785ATM/ITM (22)%26%3,933,
Slide 29: Customer Composition and Digital Adoption
29 Customer Composition and Digital Adoption Digital Adoption Across All Generations Is Strong Customer Composition and Digital Adoption Over Three Years 9/30/239/30/249/30/25 Customer Breakdown Generation(1) n/a2%5%4%Gen Alpha (2010 - Current) 53%70%73%16%Gen Z (1996 - 2009) 59%60%60%26%Millennial
Slide 30: Financial Performance
Financial Performance
Slide 31: Income Performance Metrics
31 Income Performance Metrics LKFN Performance Exceeds National Peers and Contributes to Strong Capital Levels 1.55% 1.56% 1.62% 1.45% 1.40% 1.44% 13.51% 14.19% 17.40% 15.93% 14.12% 13.96% 13.59% 14.27% 17.52% 16.03% 14.20% 14.03% 4.00% 6.00% 8.00% 10.00% 12.00% 14.00% 16.00% 18.00% 20.00% 22.00% 0.
Slide 32: Net Income and EPS
32 Net Income and EPS Net Interest Income Growth of 13% in 2025 $84,337 $95,733 $103,817 $93,767 $93,478 $69,288 $73,455 $3.30 $3.74 $4.04 $3.65 $3.63 $2.69 $2.85 $0.50 $1.00 $1.50 $2.00 $2.50 $3.00 $3.50 $4.00 $4.50 $0 $20,000 $40,000 $60,000 $80,000 $100,000 2020 2021 2022 2023 2024 YTD 2024 YTD 2
Slide 33: Pretax Pre-Provision Earnings
33 Pretax Pre-Provision Earnings Pretax Pre-Provision Earnings Improves by 6% in 2025 $118,646 $118,521 $134,539 $116,183 $128,439 $95,522 $101,032 2.19% 1.93% 2.09% 1.80% 1.93% 1.93% 1.97% 0.00% 1.00% 2.00% 3.00% 4.00% 5.00% 6.00% $0 $20,000 $40,000 $60,000 $80,000 $100,000 $120,000 $140,000 $160,0
Slide 34: Average Loans
34 Average Loans Average YTD Loan Growth of $184 million or 4% Compared to Prior Year 95% 83% 77% 86% 86% 87% 50% 60% 70% 80% 90% 100% 110% 120% $0 $1,000,000 $2,000,000 $3,000,000 $4,000,000 $5,000,000 $6,000,000 2020 (1) 2021 (1) 2022 (1) 2023 2024 YTD 2025 Retail Commercial Average Loans to Avera
Slide 35: Line of Credit Utilization
$1 ,4 46 $1 ,4 99 $1 ,4 10 $1 ,4 94 $1 ,5 53 $1 ,6 90 $1 ,7 46 $1 ,8 05 $1 ,8 24 $1 ,9 66 $1 ,8 85 $1 ,8 88 $1 ,8 07 $1 ,8 68 $1 ,8 37 $1 ,8 93 $1 ,9 03 $1 ,8 66 $1 ,9 59 $1 ,9 93 $2 ,0 16 $2 ,1 09 $2 ,0 44 $2 ,1 90 $2 ,2 06 $2 ,2 43 $2 ,3 21 $2 ,3 53 $2 ,3 98 $2 ,5 17 $2 ,6 96 $2 ,7 96 $2 ,8 17 $2
Slide 36: Loan Portfolio Breakdown
36 Loan Portfolio Breakdown C&I Drives Lending Business Commercial & Industrial $1,518,016 29% Commercial RE - Owner Occupied $804,253 15% Commercial RE - Nonowner Occupied $863,085 16% Commercial RE - Multifamily $413,016 8% Commercial RE - Construction $574,896 11% Agri-business - Agriculture $339
Slide 37: Top 10 Industry Concentrations
Multifamily Housing $744,077 15%Agriculture $411,401 8% Industrial CRE $236,654 5% RV & Marine Industry $228,234 4% Hotels $146,128 2% Automobile Dealers $135,489 2% Commercial Office Real Estate $107,401 2% Restaurants $101,727 2% Self-Storage $91,414 2% Senior Living $90,362 2% 37 Top 10 Industry
Slide 38: Average Deposits
$4,650,597 $5,357,284 $5,717,358 $5,604,228 $5,836,025 $6,000,829 98% 99% 100% 97% 99% 99% 50% 60% 70% 80% 90% 100% 110% 120% 130% 140% 150% $0 $1,000,000 $2,000,000 $3,000,000 $4,000,000 $5,000,000 $6,000,000 2020 2021 2022 2023 2024 YTD 2025 Average Deposits % of Funding 38 Average Deposits Averag
Slide 39: Deposit Breakdown
39 Deposit Breakdown Deposit Costs Are Repricing Downward with Federal Funds Rate Cuts Total Retail $1,724,983 29% Total Public Fund $1,834,987 30% Total Commercial $2,288,701 38% Brokered Deposits $175,647 3% September 30, 2025 Total Deposits - $6.0 billion (000’s) 0.00% 1.00% 2.00% 3.00% 20 11 20
Slide 40: Net Interest Income
40 Net Interest Income Net Interest Margin Expansion and Loan and Deposit Growth Drive Increases in Net Interest Income $163,008 $178,088 $202,887 $197,035 $196,679 $144,985 $163,824 3.19% 3.07% 3.40% 3.31% 3.18% 3.16% 3.44% 2.50% 3.00% 3.50% 4.00% 4.50% $0 $50,000 $100,000 $150,000 $200,000 $250,00
Slide 41: Asset Quality
41 Asset Quality Total Individually Analyzed and Watchlist Loans at a 23 Year Low As a Percentage of Total Loans 1. 52 % 2. 15 % 2. 75 % 1. 37 % 0. 94 % 0. 50 % 0. 42 % 0. 19 % 0. 25 % 0. 19 % 0. 46 % 0. 26 % 0. 35 % 0. 36 % 0. 32 % 1. 10 % 0. 36 % 1. 22 % 1. 82 % 2. 20 % 1. 75 % 1. 31 % 0. 41 % 0.
Slide 42: Asset Quality: Allowance for Credit Losses
42 Asset Quality Allowance for Credit Losses Coverage Normalizes 0. 42 % 0. 54 % 0. 25 % 0. 20 % 0. 11 % 0. 10 % 0. 09 % 0. 03 % -0 .0 1% 0. 13 % 0. 03 % 0. 09 % 0. 09 % 0. 10 % 0. 13 % 0. 05 % 0. 76 % 1.59% 2.15% 2.39% 2.28% 1.92% 1.67% 1.42% 1.26% 1.23% 1.24% 1.25% 1.45% 1.59% 1.54% 1.46% 1.68% 1.
Slide 43: Noninterest Income
43 Noninterest Income Wealth Advisory Group and Treasury Management Fees Continue to Grow $46,843 $44,720 $41,862 $49,858 $56,844 $44,968 $35,368 22% 20% 17% 20% 22% 24% 18% 0% 10% 20% 30% 40% 50% 60% $0 $10,000 $20,000 $30,000 $40,000 $50,000 $60,000 2020 2021 2022 2023 2024(1) YTD 2024(1) YTD 2025
Slide 44: Total Revenue
44 2025 YOY Increase 5% 2025 YOY Core Revenue Increase 1 11% Total Revenue Revenue Growth Benefits from Double Digit Growth in Net Interest Income $209,851 $222,808 $244,749 $246,893 $253,523 $189,953 $199,192 $0 $50,000 $100,000 $150,000 $200,000 $250,000 $300,000 2020 2021 2022 2023 2024 YTD 2024
Slide 45: Noninterest Expense
45 Noninterest Expense $91,205 $104,287 $110,210 $130,710 $125,084 $94,431 $98,160 $0 $20,000 $40,000 $60,000 $80,000 $100,000 $120,000 $140,000 2020 2021 2022 2023 2024(1) YTD 2024(1) YTD 2025 (000’s) 2025 YOY Increase 4% 2025 YOY Core Noninterest Expense Increase 9%(1) Disciplined Investment in Pe
Slide 46: Efficiency Ratio
46 Efficiency Ratio Efficiency Ratio is Stable 51% 52% 50% 50% 48% 46% 45% 45% 43% 47% 45% 53% 49% 49% 47% 0% 10% 20% 30% 40% 50% 60% 70% 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 YTD 2025 Efficiency Ratio Adjusted Core Efficiency Ratio Constant investment in technology and fa
Slide 47: Stable Healthy Dividend
47 Stable Healthy Dividend Growth in Dividend Reflects Strength of Capital $1.20 $1.36 $1.60 $1.84 $1.92 $1.44 $1.50 2.24% 1.70% 2.19% 2.82% 2.79% 2.95% 3.12% 0.00% 1.00% 2.00% 3.00% 4.00% 5.00% 6.00% 7.00% 8.00% $0.10 $0.30 $0.50 $0.70 $0.90 $1.10 $1.30 $1.50 $1.70 $1.90 2020 2021 2022 2023 2024 YT
Slide 48: LKFN Shareholder Value Total Return Performance
48 LKFN Shareholder Value Total Return Performance from 12/31/00 to 9/30/25 20 00 20 01 20 02 20 03 20 04 20 05 20 06 20 07 20 08 20 09 20 10 20 11 20 12 20 13 20 14 20 15 20 16 20 17 20 18 20 19 20 20 20 21 20 22 20 23 20 24 LKFN S&P 500 S&P US Bank Index S&P 500 Financials 3,044.73% 698.53% 301.21
Slide 49: Investment Highlights
49 Investment Highlights • Proven History of Organic Growth • Disciplined and Focused Strategy • Strong Internal Culture • Consistent Execution and Financial Results • Service Excellence Drives Shareholder Value • Unwavering Focus on Core Business Strategy • Dedication to Long-term Shareholder Value
Slide 50: Supplemental Information
Supplemental Information
Slide 51: Lake City Bank Capital Adequacy
51 Lake City Bank Capital Adequacy Capital Strength Continues Non-GAAP Adjusted Capital Ratios with AOCI and HTM Losses Non-GAAP Excess Capital after AOCI and HTM Non-GAAP AOCI and HTM Losses- after tax Capital Cushion (in 000’s) Well- Capitalized Threshold September 30, 2025 Actual Regulatory Ratio
Slide 52: Robust Liquidity Sources
52 Robust Liquidity Sources • Available liquidity is stable at $3.6 billion, a decrease from $3.7 billion at September 30, 2024 • Sources of liquidity are varied and represent wholesale funding and brokered deposits • Brokered deposits represent 3% of total deposits compared to 2% at September 30, 2
Slide 53: Liquidity Availability
Additional Loan Collateral Available for PledgeUnused/ AvailableUsed Liquidity Availability(000) Secured/Committed Borrowings: $ --$ 595,174$ 56,200$ 651,374Federal Home Loan Bank-Indianapolis(1) 317,4331,287,717--1,287,717Federal Reserve Bank Discount Window $ 317,433 $ 1, 882,891$ 56,200$ 1,939,09
Slide 54: Commercial Loans by County
54 Commercial Loans by County Commercial Customers in 50 Indiana Counties and 20 Other States (1) All other counties individually represent less than 2% of total September 30, 2025 (000’s) Allen 17% Elkhart 13% St. Joseph 9% Kosciusko 9% Hamilton 11% Marion 16% Marshall 3% Other IN Counties (1) 15%
Slide 55: Investment Portfolio
55 Investment Portfolio Recurring Cash Flows Used to Fund Organic Loan Growth M V In ve st m en ts a s a % o f A ss et s Note: Ratio of total securities to total assets excludes PPP loans of $412 million in 2020, $26 million in 2021 and $2 million in 2022 from total assets 12% 12% 12% 12% 14% 21% 20
Slide 56: Investment Security Portfolio Cashflows
56 Investment Security Portfolio Cashflows Cash Flows of $467 million Expected Through September 2029 26 ,1 15 21 ,8 36 20 ,9 91 21 ,3 94 17 ,7 64 18 ,1 36 17 ,8 80 21 ,3 68 16 ,1 71 16 ,7 22 28 ,1 17 16 ,8 56 23 ,5 22 14 ,8 72 19 ,0 78 16 ,8 82 7, 94 5 8, 94 3 7, 66 2 8, 63 3 7, 38 7 8, 34 7 7, 18
Slide 57: Investment Portfolio Analysis
Investment Portfolio Analysis Investment Portfolio as a Percentage of Total Assets Continues to Decline 57 12/31/20249/30/2025 % of Total Market Value Weighted Maturity % of Total Market Value Weighted Maturity 8%85,7946.058%94,7325.70US Govt REMICS 30%336,6156.8331%353,4766.35US Govt Pools 10%109,4
Slide 58: Line of Credit Utilization vs. Commercial DDA
58 Line of Credit Utilization vs. Commercial DDA Commercial Accounts Grow by 2% Annually $3 89 ,0 51 $4 67 ,4 58 $5 72 ,9 66 $6 60 ,3 60 $7 40 ,5 76 $7 75 ,9 47 $8 14 ,4 30 $1 ,2 73 ,8 86 $1 ,3 39 ,6 73 $1 ,4 62 ,9 35 $1 ,4 93 ,2 45 $1 ,5 71 ,9 64 $1 ,5 61 ,7 47 $1 ,4 77 ,3 56 $1 ,5 10 ,9 10 $1 ,4 3
Slide 59: Larger Market Organic Expansion
59 Larger Market Organic Expansion Organic Growth # of Branches LCB Deposit Market Share** LCB EntryPopulation*Primary CityCounty State Rank 1267%187280,669WarsawKosciusko 22. 1124%1990207,436ElkhartElkhart6. 48%1997273,744South BendSt. Joseph5. 516%1999399,295Fort WayneAllen3. 91%20111,531,946India
Slide 60: Branch Expansion Strategy for Growth
60 Branch Expansion Strategy for Growth Lake City Bank Deposits in Indianapolis Total $606 Million at June 30, 2025 Lake City Bank Branches Lake City Bank 2025 Deposit Market Share Lake City Bank 2025 Deposits (000’s) 2025 Deposits in Market (000’s) 25- year projected % growth 2050 Projected Populat
Slide 61: Mature Market Strength and Growth
61 Mature Market Strength and Growth Organic Growth 2025 # of Offices 20152025 (millions)1 IncreaseShareDepositsShareDeposits 55102.51%15.53%$2,75219.68%$5,5731. Lake City Bank 5194.35%16.09%$2,85019.56%$5,5392. 1st Source 2069.03%10.83%$1,91811.45%$3,2423. JPM Chase 1622.13%7.22%$1,2795.51%$1,5624.
Slide 62: Lake City Bank
Qake City Bank LAKECITYBANK.COM