| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net income | 15,183 | 9,829 |
| Depreciation and amortization | 1,608 | 1,071 |
| Net amortization of loans and investment securities | 206 | 166 |
| Loss on sale of equity securities | - | 7 |
| Amortization of subordinate debt issuance costs | 142 | 20 |
| Gain from claims on life insurance policies | - | 0 |
| Provision for credit losses | 2,611 | 1,414 |
| Change in fair value of equity securities | -7 | 0 |
| Loans originated for sale | 28,569 | 15,917 |
| Proceeds from sale of loans | 30,030 | 17,142 |
| Gain on sale of loans held for sale | 411 | 241 |
| Increase in cash surrender value of life insurance | 346 | 230 |
| Stock based compensation | 633 | 475 |
| Net decrease in other assets | -1,737 | -1,620 |
| Net decrease (increase) in other liabilities | -574 | -1,396 |
| Net cash provided by operating activities | 22,257 | 13,960 |
| Net decrease in long-term interest-earning deposits in other banks | 500 | 500 |
| Proceeds from maturities, calls and pay-downs of securities available for sale | 54,239 | 35,818 |
| Increase in restricted stock | 119 | 119 |
| Proceeds from surrender of life insurance policies | - | 0 |
| Net increase in loans | 165,982 | 121,154 |
| Purchase of investment securities available for sale | - | 0 |
| Proceeds from sale of equity securities | 161 | 161 |
| Capital expenditures | 882 | 433 |
| Net cash used in investing activities | -112,083 | -85,227 |
| Net increase in demand deposits, interest-bearing checking, and savings accounts | 117,009 | 73,894 |
| Decrease in long-term borrowings (fhlb & frb) | - | 0 |
| Net (decrease) increase in time deposits | -29,761 | 3,930 |
| Increase in long-term borrowings (fhlb) | - | 0 |
| Redemption of subordinate notes | 9,000 | - |
| Dividends paid | 4,367 | 2,889 |
| Purchase of treasury shares | 738 | 438 |
| Cash received from option exercises | 235 | 233 |
| Treasury shares issued under dividend reinvestment plan | 979 | 714 |
| Net cash provided by financing activities | 74,357 | 75,444 |
| (decrease) increase in cash and cash equivalents | -15,469 | 4,177 |
| Cash and cash equivalents at beginning of period | 203,613 | - |
| Cash and cash equivalents at end of period | 188,144 | - |
FRANKLIN FINANCIAL SERVICES CORP PA (FRAF)
FRANKLIN FINANCIAL SERVICES CORP PA (FRAF)