Franklin financial services corporation (FRAF)
Income statement / TTM
Mar'20Dec'19Sep'19Jun'19Mar'19Dec'18Sep'18Jun'18Mar'18Dec'17Sep'17Jun'17Mar'17Dec'16Sep'16Jun'16Mar'16Dec'15Sep'15Jun'15Mar'15Dec'14Sep'14Jun'14Mar'14Dec'13Sep'13Jun'13Mar'13Dec'12Sep'12Jun'12Mar'12Dec'11Sep'11Jun'11Mar'11Sep'10Jun'10
Interest income
Loans, including fees

43,044

43,885

44,145

43,526

42,527

41,095

39,734

38,299

37,212

36,274

35,405

34,618

33,543

32,992

32,156

31,478

30,991

30,279

30,035

30,076

30,247

30,382

30,971

31,284

31,671

32,457

32,961

33,768

34,845

35,647

36,736

37,323

37,694

37,937

38,076

38,354

0

0

0

Interest and dividends on investments:
Taxable interest

3,246

2,724

2,349

2,161

2,114

2,087

2,052

2,054

2,044

2,062

2,101

2,161

2,227

2,271

2,310

2,325

2,354

2,415

2,484

2,565

2,613

2,618

2,556

2,367

2,071

1,783

1,590

1,559

1,645

1,725

1,826

1,984

2,168

2,318

2,560

2,715

0

0

0

Tax exempt interest

835

1,002

1,130

1,223

1,237

1,173

1,122

1,104

1,095

1,122

1,195

1,275

1,346

1,412

1,468

1,515

1,566

1,607

1,610

1,594

1,562

1,512

1,494

1,486

1,491

1,509

1,506

1,508

1,493

1,483

1,481

1,454

1,418

1,395

1,411

1,455

0

0

0

Dividend income

27

26

32

31

23

24

18

16

19

26

27

27

24

17

17

18

22

67

82

103

126

100

101

96

87

80

87

86

82

80

66

65

73

82

80

73

0

0

0

Deposits and obligations of other banks

1,759

1,598

1,301

771

468

489

430

469

457

401

364

296

287

287

274

261

254

247

242

225

198

182

166

166

194

213

236

246

228

207

167

125

89

59

53

46

0

0

0

Total interest income

48,911

49,235

48,957

47,712

46,369

44,868

43,356

41,942

40,827

39,885

39,092

38,377

37,427

36,979

36,225

35,597

35,187

34,615

34,453

34,563

34,746

34,794

35,288

35,399

35,514

36,042

36,380

37,167

38,293

39,142

40,276

40,951

41,442

41,791

42,180

42,643

0

0

0

Interest expense
Deposits

6,866

7,077

6,686

5,900

5,019

4,190

3,538

3,066

2,704

2,475

2,347

2,277

2,235

2,212

2,203

2,198

2,269

2,367

2,482

2,607

2,682

2,743

2,838

2,970

3,438

3,839

4,228

4,679

4,821

5,173

5,520

5,983

6,434

6,649

7,198

7,677

0

0

0

Securities sold under agreements to repurchase

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

13

19

27

37

48

59

69

76

78

97

117

137

150

150

150

0

0

0

Short-term borrowings

-

36

57

59

0

-

0

0

-

16

42

46

46

33

7

0

0

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Short-term borrowings

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

1

1

0

0

0

-

Long-term debt

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

424

484

490

491

491

616

902

1,268

1,639

1,907

2,019

2,145

2,354

2,817

3,272

0

0

0

Total interest expense

6,866

7,113

6,723

5,958

5,079

4,214

3,562

3,069

2,705

2,491

2,389

2,323

2,281

2,245

2,212

2,204

2,275

2,371

2,549

2,793

2,991

3,180

3,341

3,487

3,966

4,378

4,903

5,650

6,165

6,890

7,524

8,119

8,716

9,154

10,166

11,100

0

0

0

Net interest income

42,045

42,122

42,234

41,754

41,290

40,654

39,794

38,873

38,122

37,394

36,703

36,054

35,146

34,734

34,013

33,393

32,912

32,244

31,904

31,770

31,755

31,614

31,947

31,912

31,548

31,664

31,477

31,517

32,128

32,252

32,752

32,832

32,726

32,637

32,014

31,543

0

0

0

Provision for loan losses

2,838

237

612

1,024

10,153

9,954

9,829

9,829

750

670

870

1,770

3,595

3,775

3,575

2,825

1,260

1,285

1,335

935

891

764

1,428

1,778

2,315

2,920

3,581

4,056

4,078

5,225

0

0

0

-

-

-

-

-

-

Provision for loan losses

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

7,524

6,067

3,917

0

0

0

Net interest income after provision for loan losses

39,207

41,885

41,622

40,730

31,137

30,700

29,965

29,044

37,372

36,724

35,833

34,284

31,551

30,959

30,438

30,568

31,652

30,959

30,569

30,835

30,864

30,850

30,519

30,134

29,233

28,744

27,896

27,461

28,050

27,027

27,070

25,200

24,152

25,113

25,947

27,626

0

0

0

Noninterest income
Investment and trust services fees

6,134

6,141

5,965

5,907

5,724

5,669

0

0

0

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Loan service charges

1,043

961

912

865

854

882

0

0

0

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Deposit service charges and fees

2,439

2,419

2,364

2,310

2,281

2,310

0

0

0

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Other service charges and fees

1,513

1,519

1,501

1,457

1,429

1,409

0

0

0

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Investment and trust services fees

-

-

-

-

-

-

-

-

-

-

-

5,135

5,011

-

4,913

4,856

5,026

5,036

5,068

5,034

4,747

4,575

4,452

4,472

4,501

4,429

4,393

4,210

4,139

4,087

3,993

3,989

3,988

3,953

3,827

3,881

0

0

0

Loan service charges

-

-

-

-

-

-

-

-

-

-

-

755

635

-

735

921

1,046

1,002

1,056

1,033

969

954

887

854

796

879

1,015

1,111

1,188

1,210

1,158

1,027

989

1,198

1,197

1,272

0

0

0

Mortgage banking activities

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

57

60

81

47

49

4

-63

6

9

-17

-35

-72

-143

-79

0

0

0

Deposit service charges and fees

-

-

-

-

-

-

-

-

-

-

-

2,465

2,482

-

2,434

2,422

2,406

2,318

2,241

2,181

2,120

2,094

2,023

1,932

1,859

1,831

1,853

1,860

1,887

1,925

1,923

1,962

2,080

2,142

2,273

2,348

0

0

0

Other service charges and fees

-

-

-

-

-

-

-

-

-

-

-

1,297

1,278

-

1,264

1,248

1,246

1,239

1,216

1,224

1,230

1,201

1,122

1,037

953

907

893

870

850

864

856

811

722

614

768

955

0

0

0

Debit card income

1,807

1,791

1,764

1,717

1,670

1,653

1,705

1,608

1,553

1,543

1,436

1,484

1,497

1,469

1,443

1,416

1,397

1,368

1,358

1,351

1,332

1,320

1,302

1,278

1,257

1,236

1,219

1,192

1,171

1,161

1,130

1,099

1,064

1,024

0

0

0

-

-

Increase in cash surrender value of life insurance

506

509

511

513

514

515

515

516

518

521

525

526

527

531

533

539

547

551

558

560

564

568

576

587

596

605

614

623

637

652

666

676

684

682

681

678

0

0

0

Life insurance gain

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Other real estate owned gains, net

-

-

0

-

-

-

-

-

-

-

0

-

-

-31

-30

-10

-8

32

-30

0

0

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

OTTI gains on securities

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

OTTI losses on securities

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

-

0

-

Less: Loss recognized in other comprehensive loss (before taxes)

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

-

-

-

OTTI losses on debt securities

-

-

-

-

-

-

-

-

-

-

-

-

-

40

30

20

20

20

40

0

0

-

0

-

-

-

0

0

-

-

0

-

-

-

0

0

-

-

-

Net (losses)/gains on sales of debt securities

222

256

261

310

0

-

0

0

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Gain on conversion of investment security

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

728

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Less: Loss recognized in other comprehensive loss (before taxes)

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

-

Net OTTI losses recognized in earnings

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

-

Debt securities gains, net

-

-

-

-

-

-

-

-

-

-

-

0

23

-

12

0

0

-

-

0

-

-

-

0

-

-

-

0

-

-

0

0

-

157

93

-25

0

0

0

Change in fair value of equity securities

-64

66

1

-13

-33

9

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Other real estate owned (losses) gains, net

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

-

0

0

-

-582

0

0

0

-

-

-

-

-

-

Other

1,410

1,436

202

113

132

131

146

145

217

221

211

234

167

246

248

318

304

390

380

284

281

109

153

212

249

240

208

159

139

184

699

729

783

720

194

146

0

0

0

Total noninterest income

16,148

15,424

13,479

13,121

12,646

12,629

12,627

12,478

12,412

12,189

12,044

11,876

11,577

11,605

11,513

11,693

11,953

12,652

12,872

12,657

12,403

11,131

10,754

10,490

10,029

10,033

9,475

9,180

9,272

9,451

10,104

10,308

10,241

10,200

9,269

9,298

0

0

0

Noninterest Expense
Salaries and employee benefits

22,236

22,143

21,235

20,763

20,504

20,048

19,638

19,385

19,124

18,729

18,529

18,401

17,912

17,691

17,968

17,616

17,473

17,186

17,130

17,107

17,011

17,179

16,930

16,716

16,627

16,590

16,741

16,905

17,044

16,626

15,897

15,552

15,278

15,195

14,776

14,302

0

0

0

Net occupancy

0

-

0

-

0

-

0

-

-

-

-

-

-

-

-

2,222

2,225

-

2,249

2,269

2,299

2,359

2,373

2,384

2,366

2,259

2,215

2,148

2,073

2,024

1,995

1,991

1,994

2,006

2,000

2,001

0

0

0

Occupancy, furniture and equipment, net

-

-

-

3,318

-

-

-

3,178

3,152

3,152

4,294

4,262

3,719

3,120

3,673

3,128

3,149

3,164

946

955

953

976

977

975

982

975

952

939

913

875

859

827

823

837

827

824

0

0

0

Marketing and advertising

1,809

1,756

1,650

1,671

1,531

1,556

1,437

1,424

1,377

1,197

1,188

1,152

1,120

1,155

1,138

1,178

1,199

1,105

1,134

1,110

1,097

1,225

1,244

1,318

1,365

1,384

1,413

1,342

1,421

1,401

1,362

1,403

1,358

1,335

1,367

1,294

0

0

0

Legal and professional

1,739

1,774

1,670

1,697

1,668

1,567

1,847

1,913

1,852

1,813

1,567

1,488

1,501

1,508

1,397

1,285

1,094

1,093

1,052

1,102

1,252

1,221

1,280

1,152

1,158

1,172

1,250

1,269

1,170

1,170

1,058

1,093

1,077

1,069

1,220

1,283

0

0

0

Data processing

3,095

2,994

2,855

2,753

2,619

2,510

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Data processing

-

-

-

-

-

-

-

-

-

2,229

2,196

2,168

2,137

2,093

2,044

2,029

2,081

2,051

2,016

1,963

1,900

1,824

1,751

1,752

1,710

1,713

1,724

1,634

1,623

1,642

1,490

1,447

1,494

1,462

1,577

1,740

0

0

0

Pennsylvania bank shares tax

914

982

973

964

955

951

954

958

967

971

931

891

908

902

907

910

856

815

783

750

717

694

721

752

783

815

797

780

763

745

731

717

703

681

662

641

0

0

0

FDIC Insurance

0

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Intangible amortization

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

181

386

489

503

517

419

421

423

425

426

429

432

435

439

442

444

446

448

450

0

0

0

FDIC Insurance

-

104

252

487

536

600

543

466

395

372

347

453

529

580

699

681

672

663

696

762

824

908

909

918

966

979

1,051

1,080

1,077

1,093

1,063

1,045

1,034

1,084

1,125

1,157

0

0

0

ATM/debit card processing

1,032

1,026

1,027

1,029

1,019

999

1,062

994

979

959

843

867

845

855

906

885

871

830

751

746

738

730

731

717

704

706

682

670

660

630

0

0

0

-

-

-

-

-

-

Foreclosed real estate

-

-

0

0

-

-

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Foreclosed real estate

-

-

-

-

-

-

-

-

107

151

1,334

1,328

1,328

1,333

215

519

513

462

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Telecommunications

426

426

423

412

429

433

438

449

427

418

438

423

411

429

474

528

556

555

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Provision for credit losses on off-balance sheet exposures

0

-

-

-

-

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Other

3,704

3,707

3,552

3,524

3,278

3,138

3,247

3,274

3,199

3,181

3,579

3,488

3,527

3,509

2,761

2,771

2,902

3,031

2,867

3,108

3,148

3,137

3,617

3,481

3,512

3,472

3,977

4,005

3,997

3,960

3,150

3,330

3,633

3,886

4,084

3,923

0

0

0

Total noninterest expense

38,430

38,314

36,971

36,551

38,133

37,369

47,156

46,890

43,863

43,172

34,093

33,768

33,337

33,175

31,630

31,513

31,442

31,136

31,533

31,418

31,374

31,573

31,712

31,346

31,356

31,250

31,228

31,201

31,173

30,601

28,844

28,485

28,321

28,333

28,086

27,615

0

0

0

Income before federal income taxes

16,925

18,995

18,130

17,300

5,650

5,960

-4,564

-5,368

5,921

5,741

13,784

12,392

9,791

9,389

10,321

10,748

12,163

12,475

12,765

12,805

0

-

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Federal income tax (benefit) expense

2,328

2,880

2,606

2,275

-210

-165

377

497

3,263

3,565

2,621

2,230

1,410

1,302

1,692

1,615

2,117

2,271

2,418

0

0

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Income before federal income tax expense

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

-

6,143

5,440

6,149

5,877

0

0

0

-

-

-

-

-

-

Income before federal income taxes

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

7,130

9,309

0

0

0

Federal income tax expense

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

-

709

444

602

512

1,405

786

-17

411

661

1,740

0

0

0

Net income

14,597

16,115

15,524

15,025

5,860

6,125

-4,941

-5,865

2,658

2,176

11,163

10,162

8,381

8,087

8,629

9,133

10,046

10,204

9,784

9,615

9,460

8,402

7,696

7,471

6,507

6,232

5,434

4,996

5,547

5,365

6,925

6,237

6,089

6,569

6,469

7,569

0

0

0

Per share
Basic earnings per share

0.40

1.00

1.04

0.91

0.73

0.87

0.91

-1.18

0.80

-1.68

0.71

0.77

0.70

0.40

0.48

0.36

0.64

0.53

0.61

0.58

0.68

0.45

0.57

0.55

0.44

0.27

0.53

0.33

0.38

0.08

0.43

0.47

0.34

0.47

0.27

0.45

0.47

0.46

0.56

Diluted earnings per share

0.39

1.01

1.03

0.90

0.73

0.86

0.91

-1.18

0.80

-1.67

0.70

0.77

0.70

0.40

0.48

0.36

0.64

0.53

0.61

0.58

0.68

0.44

0.57

0.55

0.44

0.27

0.53

0.33

0.38

0.08

0.43

0.47

0.34

0.47

0.27

0.45

0.47

0.46

0.56

Cash dividends declared

-

-

0.30

0.30

-

-

0.27

0.27

0.24

0.24

0.24

0.24

0.21

0.21

0.21

0.21

0.19

0.19

0.19

0.19

0.17

0.17

0.17

0.17

0.17

0.17

0.17

0.17

0.17

0.17

0.17

0.17

0.27

0.27

0.27

0.27

0.27

0.27

0.27

Net income

14,597

16,115

15,524

15,025

5,860

6,125

-4,941

-5,865

2,658

2,176

11,513

9,998

0

-

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

Unrealized gains arising during the period

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

Reclassification adjustment for losses included in net income

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

Net unrealized gains

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

Tax effect

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

Net of tax amount

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

Unrealized (losses) gains arising during the period

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

Reclassification adjustment for losses included in net income

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

Net unrealized gains (losses)

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

Tax effect

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

Net of tax amount

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

Change in plan assets and benefit obligations

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

-

Reclassification adjustment for losses included in net income

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

-

Net unrealized (losses) gains

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

-

Tax effect

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

-

Net of tax amount

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

-

Total other comprehensive income

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

Total Comprehensive Income

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0