FRANKLIN FINANCIAL SERVICES CORPORATION (FRAF)

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FRANKLIN FINANCIAL SERVICES CORPORATION

FRAF • CIK 0000723646

(in thousands, except per share data)	FY 2023	FY 2024	FY 2025	TTM
Interest and Fee Income, Loans and Leases Held-in-portfolio	$58,277	$73,996	$87,226	$91,664
Interest Income, Domestic Deposits	$2,407	$9,237	$7,641	$6,484
Interest Income (Expense), Net	$53,637	$57,514	$69,646	$74,670
Interest and Dividend Income, Operating	$76,762	$101,451	$114,371	$115,414
FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal	$2,589	$1,975	$3,030	$3,378
Off-Balance Sheet, Credit Loss, Liability, Credit Loss Expense (Reversal)	—	$8	$-131	$-33
Provision for Loan, Lease, and Other Losses	$2,724	$1,983	$2,899	$3,345
Interest Income (Expense), after Provision for Loan Loss	$50,913	$55,531	$66,747	$71,325
Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest	$15,753	$13,315	$26,267	$30,695
Income Tax Expense (Benefit)	$2,155	$2,216	$5,041	$6,050
Net Income (Loss) Attributable to Parent	$13,598	$11,099	$21,226	$24,645
Interest Income, Securities, Operating, Taxable	$14,790	$16,433	$17,648	$15,395
Interest Expense Domestic Deposit Liabilities	$18,843	$30,906	$34,694	$30,835
Interest Income, Securities, Operating, Tax Exempt	$1,232	$1,093	$1,075	$1,065
Dividend Income, Operating	$56	$692	$781	$806
Interest Expense, Federal Home Loan Bank and Federal Reserve Bank Advances, Short-term	$857	$10,019	$8,750	$8,750
Interest Expense, Long-term Debt	$1,051	$1,050	$1,281	$1,159
InterestExpenseOperating	—	$43,937	$44,725	$40,744
Gain (Loss) on Sales of Loans, Net	$199	$565	$672	$976
Bank Owned Life Insurance Income	$448	$457	$469	$506
Debt and Equity Securities, Gain (Loss)	$-1,119	$-4,267	$-4,267	$-4,267
Noninterest Income, Other Operating Income	$483	$423	$961	$948
Noninterest Income	$14,851	$13,679	$19,176	$20,021
Salary and Wage, Excluding Cost of Good and Service Sold	—	—	$25,634	$25,938
Employee Benefits and Share-based Compensation	—	—	$9,695	$9,660
Occupancy, Net	$4,398	$4,583	$4,782	$4,830
Marketing and Advertising Expense	$2,071	$1,891	$1,726	$1,728
Professional Fees	$2,301	$2,133	$2,524	$2,711
Taxes, Other	$745	$483	$570	$763
Federal Deposit Insurance Corporation Premium Expense	$851	$1,710	$1,980	$1,980
Communications and Information Technology	$405	$435	$472	$518
Other Noninterest Expense	$4,022	$4,855	$4,705	$4,963
Noninterest Expense	$50,011	$55,895	$59,656	$60,651

(in thousands, except per share data)	FY 2023	FY 2024	FY 2025	TTM
Liabilities and Equity	$1,836,039	$2,197,841	$2,239,018	$2,335,181
Cash and Due from Banks	$19,505	$19,848	$22,446	$25,560
Cash and Cash Equivalents, at Carrying Value	$23,140	$203,613	$127,721	$195,031
Debt Securities, Available-for-sale	$472,503	$508,604	$454,586	$452,345
Equity Securities, FV-NI	$427	$166	$166	$166
Federal Home Loan Bank Stock	$2,375	$8,775	$8,897	$8,985
Financing Receivable, Held-for-Sale, Not Part of Disposal Group, after Valuation Allowance	$213	$2,470	$18,929	$2,797
FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss	$1,256,985	$1,398,077	$1,561,238	$1,610,619
FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest	$16,052	$17,653	$20,655	$21,864
FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss	$1,240,933	$1,380,424	$1,540,583	$1,588,755
Property, Plant and Equipment, Net	$28,543	$29,039	$27,138	$26,262
Operating Lease, Right-of-Use Asset	$4,680	$4,106	$3,657	$4,048
Bank Owned Life Insurance	$22,758	$22,735	$23,207	$22,519
Goodwill	$9,016	$9,016	$9,016	$9,016
Deferred Income Tax Assets, Net	$11,801	$10,831	$7,881	$8,379
Other Assets	$13,421	$16,563	$16,404	$16,294
Operating Lease, Liability	$4,816	$4,263	$3,840	$4,251
Other Liabilities	$11,448	$13,516	$13,319	$11,642
Liabilities	$1,703,903	$2,053,125	$2,063,776	$2,151,336
Common Stock, Value, Issued	$4,711	$4,711	$4,711	$4,711
Additional Paid in Capital, Common Stock	$43,646	$43,791	$43,932	$44,135
Retained Earnings (Accumulated Deficit)	$133,993	$139,463	$154,844	$165,085
Accumulated Other Comprehensive Income (Loss), Net of Tax	$-40,940	$-35,508	$-21,589	$-23,458
Treasury Stock, Value	$9,274	$7,741	$6,656	$6,628
Stockholders' Equity Attributable to Parent	$132,136	$144,716	$175,242	$183,845
Noninterest-bearing Deposit Liabilities, Domestic	$273,050	$290,346	$310,251	$341,103
Interest-bearing Deposit Liabilities, Domestic	$1,132,482	$1,209,396	$1,301,198	$1,354,833
Time Deposits	$132,446	$315,905	$224,323	$228,652
Deposits	$1,537,978	$1,815,647	$1,835,772	$1,924,588
Common Stock, Shares Authorized	15,000,000	15,000,000	15,000,000	15,000,000
Common Stock, Shares, Issued	4,710,972	4,710,972	4,710,972	4,710,972
Common Stock, Shares, Outstanding	4,371,231	4,427,362	4,481,149	4,493,715
Preferred Stock, Shares Authorized	5,000,000	5,000,000	5,000,000	5,000,000
Preferred Stock, Shares Issued	0	0	0	0
Treasury Stock, Common, Shares	339,741	283,610	229,823	217,257

(in thousands, except per share data)	FY 2023	FY 2024	FY 2025	TTM
Net Income (Loss) Attributable to Parent	$13,598	$11,099	$21,226	$24,645
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Excluding Exchange Rate Effect	$-41,759	$180,473	$-75,892	$-12,759
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents	$23,140	$203,613	$127,721	$113,542
Depreciation, Depletion and Amortization, Nonproduction	$2,016	$2,090	$2,146	$2,104
Proceeds from (Payments for) in Interest-bearing Deposits in Banks	$7,746	$4,730	$500	$249
Proceeds from Maturities, Prepayments and Calls of Debt Securities, Available-for-sale	$40,113	$42,413	$42,413	—
Provision for Loan, Lease, and Other Losses	$2,724	$1,983	$2,899	$3,345
Payments to Acquire Debt Securities, Available-for-sale	$50,252	$136,268	$136,268	—
Increase (Decrease) of Restricted Investments	$1,731	$6,400	$122	$91
Debt and Equity Securities, Gain (Loss)	$-1,119	$-4,267	$-4,267	$-4,267
Payments for (Proceeds from) Loans and Leases	$205,939	$141,652	$179,183	$108,452
Payments for Origination of Mortgage Loans Held-for-sale	$13,965	$43,086	$44,469	$54,085
Proceeds from Life Insurance Policy	—	$558	$558	—
Proceeds from Sale of Loans Held-for-sale	$14,234	$41,394	$44,459	$69,527
ProceedsFromSaleOfEquitySecuritiesFvNi	—	—	$161	$161
Gain (Loss) on Sale of Loans and Leases	$199	$565	$672	$976
Payments for (Proceeds from) Productive Assets	$499	$2,567	$866	$866
Bank Owned Life Insurance Income	$448	$457	$469	$506
Net Cash Provided by (Used in) Investing Activities	$-178,267	$-184,366	$-107,021	$-70,935
Share-based Payment Arrangement, Noncash Expense	$483	$634	$819	$718
Payment for Pension Benefits	—	—	$1,000	$1,000
Increase (Decrease) in Other Operating Assets	$534	$-1,077	$-1,197	$305
Increase (Decrease) in Other Operating Liabilities	$3,914	$1,073	$-376	$-652
Deferred Income Tax Expense (Benefit)	$1,140	$-473	$-751	$-751
Net Cash Provided by (Used in) Operating Activities	$26,565	$21,755	$25,442	$42,266
Increase (Decrease) in Time Deposits	$75,056	$183,459	$-91,582	$-91,183
Proceeds from Issuance of Long-term Debt	—	$200,000	$200,000	$200,000
Proceeds from (Repayments of) Other Long-term Debt	—	$-130,000	$-130,000	$-130,000
Repayments of Subordinated Debt	—	—	$9,000	$9,000
Payments of Ordinary Dividends, Common Stock	$5,595	$5,629	$5,845	$5,963
Payments for Repurchase of Common Stock	$2,394	$827	$1,104	$1,421
Proceeds from Stock Options Exercised	$47	$122	$286	$135
Net Cash Provided by (Used in) Financing Activities	$109,943	$343,084	$5,687	$15,909
Real Estate Owned, Transfer to Real Estate Owned	—	—	$15,777	$15,777
Interest Paid, Excluding Capitalized Interest, Operating Activities	$19,460	$43,105	$45,562	$41,560

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Import this data to Google Sheets with:

=jivedata("FRAF","financials")

Full statements spill as a table. For one cell: =jivedata("FRAF","Revenue") or =jivedata("FRAF","Revenue","TTM"). Install the Jive Data add-on, then paste into a cell.