Topic Listing for Lakeland Financial

Acceleration Vesting Change Control Account
Accounting Certain Hybrid Financial Instruments Amendment Fasb Statements Accounting Deferred Compensation Postretirement Benefit Aspects Endorsement Split-dollar
Accounting Purchase Life Insurance Determining Amount Realized Accordance Accounting Purchase Life Insurance Ndash Determining Amount Realized
Accounting Servicing Financial Assets Amendment Fasb Statement 140 Accounting Stock-based Compensation
Accounting Uncertainty Income Taxes Interpretation Fasb Statement 109 Accounting Uncertainty Income Taxes Ndash Interpretation Fasb Statement
Accrued Pay Regular Retirement Benefits Acquisitions Activities Change Control
Additional Terms Conditions Addresses Shareholders
Administration Advisory Non-binding Vote Executive Compensation
Allowance Loan Losses Allowance Loan Losses Prove Insufficient Absorb Potential Portfolio
Amendment Termination Amendments Articles Incorporation Bylaws Change
Annex Annual Meeting
Annual Meeting Directors Annual Meeting Shareholders
Annual Report Financial Statements Application Accounting Principles Loan Commitments
Appraisal Dissentersrsquo Rights Oppose Proposal Amend Articles Incorporation Appraisal Procedure
Approval Amendment Articles Lakeland Financial Corporation Authorize Issuance Approval Proposed Amendment Articles Incorporation
Art Audit Committee
Audit Committee Pre-approval Policy Audit Committee Report
Audit Fees Audit Related Fees
Bankrsquos Business Banks Business
Bartels Basis Presentation
Bears Cost Soliciting Proxies Benchmark
Benchmarking Beneficial Ownership Reporting Compliance
Beneficiary Designation Benefits
Board Deem Amendment Articles Necessary Board Directors
Board Directors Lakeland Financial Corporation Unanimously Approved Proposed Board Directors Unanimously Recommends Shareholders Vote Ldquoforrdquo Approval
Board Recommendation Bonus
Borrowings Box 1387
Box 1387 149 Warsaw Indiana 46581 574 267-6144 Box 1387 Bull Warsaw Indiana 46581 574 267-6144
Branching Authority Business
Business Adversely Affected Conditions Financial Markets Economic Generally Business Combination
Business Combinations Business Developments
Cancellation Capital Requirements
Capital Stock Cash Incentive Awards
Certain Relationships Related Transactions Chairman Board
Change Control Change Control Agreements
Charles Smith Charter
Chief Executive Officers Compensation Code Ethics
Commercial Industrial Agri-business Loans Make Significant Portion Loan Committee Membership
Committee Membership Charter Committees
Common Stock Par Value Community Banking Strategy Relies Heavily Management Team Unexpected
Companyrsquos Business Compensation Committee
Compensation Committee Interlocks Insider Participation Compensation Committee Report
Compensation Decisions Compensation Factors
Compensation Overview Compensation Philosophy Objectives
Competition Compliance 162 Internal Revenue Code 1986
Compliance Laws Conclusion
Consecutive Income Growth Achieved Consent Action Directors
Consent Independent Registered Public Accounting Firm Consideration Par Value Shares
Consideration Treasury Shares Considering Effects Prior Misstatements Quantifying Current Financial Statement
Consumer Loans Generally Higher Degree Risk Default Other Contact Confirmation Wire Information
Contact Preferred Stock Dividends Continuing Directors
Continuing Need Technological Change Not Resources Effectively Implement Contributions
Controls Procedures Convertible Securities
Corporate Governance Committee Corporate Performance
Covenants Cpp
Cpp Not Bailout Investment Healthy Financial Institutions Like Critical Accounting Policies
Current Report David Findlay
Death Disability Retirement Deduction Limitation
Deferral Date Deferred Compensation Plan
Departure Directors Certain Officers Election Appointment Compensation Departure Directors Certain Officers Election Appointment Compensatory
Deposit Insurance Deposits
Description Preferred Stock Director Nominations Qualifications
Directors Compensation Directors Executive Officers Registrant
Directors Fee Deferral Plan Disability Benefit
Dividend Increase Announced Dividend Payments
Dividends Earnings Per Share
Earnings Streak East Center Street Box 1387 Warsaw Indiana 46581-1387
Eesa Eesa Restrictions
Effect Capital Purchase Program Proceeds Effect Preferred Stock Holders Common
Effective 2008 Effectively Manage Credit Risk
Election Election Directors
Election Number Term Office Election Term Office
Eligibility Employee Benefit Plans
Employees Equity Awards
Equity Compensation Plan Information Equity Incentive Plan
Estimated Future Benefit Payments Estimated Proceeds
Even Plan Attend Meeting Complete Sign Return Proxy Exact Name Registrant Specified Charter
Exchange Act Executive Compensation
Executive Summary Exhibits
Expansion Strategy Experience Difficulties Managing Growth Strategy Involves Risks Negatively
Expiration Time Extends Streak Consecutive
Face Intense Competition Phases Business Other Banks Financial Facsimile Signatures
Fails Qualify Real Estate Investment Trust Subject Higher Fair Market Value
Fair Value Measurements Fair Value Option Financial Assets Liabilities
Federal Income Tax Considerations Federal Reserve System
Federal Securities Regulation Fico Assessments
Fifty-six Forty-four 56044 Financial Statements Exhibits
Find Voting Results Meeting Fixing Record Date Determine Shareholders Entitled Receive Corporate
Fixing Record Date Determine Shareholders Entitled Vote Foreign Operations
Forfeiture Form Notice Exercise
Form Waiver Former Name Address Changed Since Last Report
Forward-looking Statements Fulmer
Genera General
General Communications Board General Terms Capital Purchase Program Senior Preferred Stock
General Terms Capital Purchase Program Warrants Dilution Common Goodwill
Goodwill Other Intangible Assets Government Regulation Result Limitations Operations
Governmental Entities Grants Plan Based Awards
Held 2006 Held 2007
Held 2008 Held 2009
Hiatt Hold Shares Name Broker Votes
However However Whether Not Plan Attend Meeting Person Please
Huber Immediate Release
Incentive Stock Options Income
Income Tax Expense Independent Director Sessions
Independent Registered Public Accounting Firm Index
Indiana Indiana Additional Information Regarding Accessed Home Page Wwwlakecitybankcom
Indianapolis Business Leader Named Board Individual Accounts
Individual Performance Industry Segments
Inflation Initial Number
Insider Transactions Instructions Withhold Authority Vote Individual Nominee Strike Line
Interest Directors Contracts Interest Rates Other Conditions Impact Results Operations
Internal Control Over Financial Reporting Internal Control-integrated Framework
Internal Controlmdashintegrated Framework Internal Revenue Code
Internet Website Introduction
Investor Issuance Preferred Shares Treasury Other Parties Adversely Affect
Issuance Preferred Stock Issuance Warrants Treasury Adversely Affect Rights Holders Common
Issuer Purchases Equity Securities James Westerfield
Kevin Deardorff Kristinpruittlakecitybankcom
Kubacki Lake City Bank Announces Appointment Tom Hiatt Board
Lake City Bank Names Pruitt Management Team Lake City Bank Parent Announces Cash Dividend Increase
Lake City Bank Reports Performance Lakeland
Lakeland Considering Participation Tarp Capital Purchase Program Because Lakeland Financial Corporation
Lakeland Financial Corporation 401 Plan Lakeland Financial Corporation Announces Capital Purchase Program Investment
Lakeland Financial Corporation Announces Closing 595 Public Offering Lakeland Financial Corporation Announces Commencement Marketing Efforts Offering
Lakeland Financial Corporation Announces Intent Participate Capital Purchase Lakeland Financial Corporation Announces Pricing Common Stock Offering
Lakeland Financial Corporation Held 2006 Lakeland Financial Corporation Held 2007
Lakeland Financial Corporation Held 2008 Lakeland Financial Corporation Held 2009
Lakelandrsquos Participation Tarp Capital Purchase Program Impose Other Land Premises Equipment Net
Lcb Funding Inc Fails Qualify Real Estate Investment Ldquoactrdquo
Ldquocpprdquo Ldquoeesardquo
Ldquosubsequent Eventsrdquo Ldquotransaction Documentsrdquo
Leave Absence Legal Proceedings
Limitation Audit Committees Role Limitations Executive Compensation Due Capital Purchase Program Participation
Limited Trading Market Common Shares Not Able Resell Litigation
Loan Portfolio Large Concentration Commercial Real Estate Loans Loans
Long-term Incentive Plan Lost Stolen Destroyed Certificates
Lti Bonus Mail Proxies Promptly
Market Overview Market Price
Meaning Other-than-temporary Impairment Application Certain Investments Meetings
Miscellaneous Modification Termination
Mortgage Servicing Rights Valuation Much Capital Lakeland Raise Participating Tarp Purchase Program
Name Ndash Deposits
Ndash Goodwill Other Intangible Assets Ndash Quantitative Qualitative Disclosures Market Risk
Ndash Subordinated Debentures Ndash Subsequent Events
Ndustry Segments New Accounting Pronouncement
New Accounting Pronouncements New Fort Wayne Office Reaffirms Commitment Market
Newly Issued Not Yet Effective Accounting Standards Niemier
Nominating Corporate Governance Committee Nominations Director
Nominations Directors Nominees
Non-employee Director Compensation Table 2005 Non-qualified Stock Options
Noncontrolling Interests Consolidated Financial Statements Amendment Arb Noninterest Expense
Noninterest Income Nonqualified Deferred Compensation
Not Applicable Notice Meetings
Now Therefore Plan Hereby Amended Restated Follows Purpose Number 000-11487
Number Shares Classes Capital Stock Off-balance Sheet Transactions
Option Exercises Stock Vested 2006 Option Exercises Stock Vested 2007
Option Exercises Stock Vested 2008 Options
Options Officers Employees Ordinary Cash Dividends
Original Warrantholder Orward-looking Statements
Other Benefits Agreements Other Compensation Perquisites
Other Employee Benefit Plans Other Events
Other Fees Other Information
Other Matters Other Shareholder Proposals
Overview Parent Statements
Part Consumer Loans Part Loan Concentrations
Part Nonperforming Loans Part Other Nonperforming Assets
Part Troubled Debt Restructured Loans Participant
Participants Participation
Participation Notice Participation Treasury Capital Purchase Program
Payment Shares Peer Comparison
Pension Benefits Per Share Declared 2009 Payable Represents Quarterly Dividend
Performance Measures Permitted Transactions
Person Pichon
Place Meeting Plan
Plan Funded Solely Participant Contributions Not Receive Match Please Complete Date Sign Return Enclosed Proxy Card
Pletcher Port Independent Registered Public Accounting Firm
Potential Anti-takeover Effect Preferred Stock Preferred Shares
President Principal Accountant Fees Services
Principal Office Resident Agent Principal Officers
Pro Rata Repurchases Products Services
Proposed Amendments Articles Provided
Provided However Provision Loan Losses
Proxy Properly Executed Voted Manner Directed Herein Undersigned Proxy Statement Pursuant Securities Exchange Act 1934
Purchase Agreement Purchase Closing
Purpose Pursuant Registration Statement Then Effective Securities Act
Pursuant Securities Exchange Act 1934 Quantitative Qualitative Disclosures Market Risk
Quarterly Dividend Maintained Quorum
Rabbi Trust Reasonableness Compensation
Reasons Authorizing Preferred Stock Receiving Proxy Statement Card
Recent Developments Recent Regulatory Developments
Recitals Reclassifications
Recommend Shareholders Vote Each Nominees Director Unless Authority Registered Shareholders
Registrantrsquos Telephone Number Including Area Code Registrants Telephone Number Including Area Code
Registration Capital Purchase Program Shares Warrants Regular Meetings
Regulation Disclosure Regulatory Agreements
Regulatory Approvals Related Party Transactions
Remainder Page Intentionally Blank Remainder Page Intentionally Left Blank
Removal Removal Directors
Report Compensation Committee Executive Report Independent Registered Public Accounting Firm Financial Statements
Required Stockholders Approvals Required Vote
Resignations Results Operations Financial Condition
Retirement Retirement Benefit
Robert Condon Role Compensation Consultants
Role Executives Committee Meetings Ross
Safety Soundness Standards Salaries
Salary Seal
Sectin Secretary Securities
Securities Act Securities Exchange Act 1934
Securities Purchase Agreement Securities Represented Instrument Not Savings Accounts Deposits Other
Security Collateral Security Ownership Certain Beneficial Owners Management Related Sharelholder
See Selection Enrollment Eligibility
Share Data Been Adjusted 2-for-1 Stock Split 2006 Share Incentive Plan
Share-based Payment Shareholder Communication Board Nomination Proposal Procedures
Shareholder Proposals Shares
Shares Owned Affiliates Lakeland Shares Stock
Signature Page Warrant Signatures
Special Meeting Shareholders Special Meetings
State Bank Investments Activities Steininger
Stock Appreciation Rights Stock Awards
Stock Ownership Stock Price Performance Graph
Strong Performance Posted Lake City Bank Subject Certain Operational Risks Including Not Limited Customer
Submission Matters Vote Security Holders Subordinate Officers
Subordinated Debentures Subsequent Event
Subsidiaries Summary
Summary Warrant Terms Supervisory Assessments
Survivor Benefit System Failure Breaches Network Security Subject Increased Operating
Table Contents Target Bonus
Tarp Capital Purchase Program Tax Advice
Tax Fees Tem Certain Relationships Related Transactions
Tem Controls Procedures Tem Directors Executive Officers Registrant
Tem Executive Compensation Tem Security Ownership Certain Beneficial Owners Management Related
Term Expires 2009 Term Expires 2010
Term Expires 2011 Termination Amendment Modification
Termination Benefit Termination Material Definitive Agreement
Trading Transfer Agent Registrar
Transfer Shares Transition Period
Treasurer Treasury
Trust Tucker
Unexpected Results Acquisitions Outcomes Existing New Litigation Involving Units
Unrecognized Tax Benefits Unresolved Staff Comments
Vacancies Versus 2003
Versus 2004 Versus 2005
Versus 2006 Versus 2007
Vesting Vice Presidents
Vote Votes Cast
Votes Need Hold Annual Meeting Votes Need Hold Special Meeting
Votes Needed Approve Proposed Amendment Articles Votes Needed Each Proposal
Voting Corporations Securities Voting List
Voting Rights Warrant
Warrant Purchase Common Stock Warrantholder
Welch What Change Mind After Return Proxy Card
What Happen Shareholders Fail Approve Proposed Amendment Authorizing What Happens Nominee Unable Stand Re-election
What Matters Voted Meeting What Mean Receive Proxy Card
What Options Voting Each Proposals What Options Voting Proposal
What Tarp Capital Purchase Program What Terms Authorized Preferred Stock
Whereas Whether Not Plan Attend Special Meeting Please Submit
Withholding Taxes Wwwlakecitybankcom
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