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FRANKLIN FINANCIAL SERVICES CORP PA (FRAF)

FRANKLIN FINANCIAL SERVICES CORP PA (FRAF)

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Cash Flow Overview

Change in Cash
-$19,646K
Unit: Thousand (K) dollars
Positive Cash Flow Breakdown
    • Net increase in demand deposits,...
    • Proceeds from maturities, calls ...
    • Proceeds from sale of loans
    • Others
Negative Cash Flow Breakdown
    • Net increase in loans
    • Net (decrease) increase in time ...
    • Loans originated for sale
    • Others
Cash Flow
2025-09-30
2025-06-30
Net income
5,354
9,829
Depreciation and amortization
537
1,071
Net amortization of loans and investment securities
40
166
Loss on sale of equity securities
-
7
Amortization of subordinate debt issuance costs
122
20
Gain from claims on life insurance policies
-
0
Provision for credit losses
1,197
1,414
Change in fair value of equity securities
-7
0
Loans originated for sale
12,652
15,917
Proceeds from sale of loans
12,888
17,142
Gain on sale of loans held for sale
170
241
Increase in cash surrender value of life insurance
116
230
Stock based compensation
158
475
Net decrease in other assets
-117
-1,620
Net decrease (increase) in other liabilities
822
-1,396
Net cash provided by operating activities
8,297
13,960
Net decrease in long-term interest-earning deposits in other banks
0
500
Proceeds from maturities, calls and pay-downs of securities available for sale
18,421
35,818
Increase in restricted stock
0
119
Proceeds from surrender of life insurance policies
-
0
Net increase in loans
44,828
121,154
Purchase of investment securities available for sale
-
0
Proceeds from sale of equity securities
0
161
Capital expenditures
449
433
Net cash used in investing activities
-26,856
-85,227
Net increase in demand deposits, interest-bearing checking, and savings accounts
43,115
73,894
Decrease in long-term borrowings (fhlb & frb)
-
0
Net (decrease) increase in time deposits
-33,691
3,930
Increase in long-term borrowings (fhlb)
-
0
Redemption of subordinate notes
9,000
-
Dividends paid
1,478
2,889
Purchase of treasury shares
300
438
Cash received from option exercises
2
233
Treasury shares issued under dividend reinvestment plan
265
714
Net cash provided by financing activities
-1,087
75,444
(decrease) increase in cash and cash equivalents
-19,646
4,177
Cash and cash equivalents at beginning of period
203,613
-
Cash and cash equivalents at end of period
188,144
-
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.

Time Plot

Show the time plot by selecting a row from the table.

Cash Flow

Proceeds from sale ofloans$12,888K Net income$5,354K Provision for creditlosses$1,197K Net decrease(increase) in other...$822K Depreciation andamortization$537K Stock basedcompensation$158K Amortization of subordinatedebt issuance costs$122K Net decrease inother assets-$117K Net amortization ofloans and investment...$40K Net cash provided byoperating activities$8,297K Canceled cashflow$12,938K (decrease) increase in cashand cash...-$19,646K Canceled cashflow$8,297K Proceeds frommaturities, calls and...$18,421K Net increase indemand deposits,...$43,115K Treasury shares issuedunder dividend...$265K Cash received fromoption exercises$2K Loans originated forsale$12,652K Gain on sale of loansheld for sale$170K Increase in cashsurrender value of life...$116K Net cash used ininvesting activities-$26,856K Canceled cashflow$18,421K Net cash provided byfinancing activities-$1,087K Canceled cashflow$43,382K Net increase inloans$44,828K Capital expenditures$449K Net (decrease)increase in time deposits-$33,691K Redemption of subordinatenotes$9,000K Dividends paid$1,478K Purchase of treasuryshares$300K