fraf: the income statement

MyFinsight

FRANKLIN FINANCIAL SERVICES CORP PA (FRAF)

For the quarter ending 2025-06-30, FRAF made $33,634K in revenue. $5,908K in net income. Net profit margin of 17.57%.

Unit: Thousand (K) dollars (except for numbers of shares and EPS)

	2025-06-30
Income tax expense	1,409
Other	441
Gain on sale of loans	132
Increase in cash surrender value of life insurance	116
Wealth management fees	2,419
Other service charges and fees	480
Loan service charges	294
Deposit service charges and fees	613
Debit card income	608
Total noninterest income	5,103
Pennsylvania bank shares tax	137
Legal and professional	537
Other	959
Net occupancy	1,146
Marketing and advertising	353
Salaries and employee benefits	8,864
Telecommunications	109
Nonservice pension	17
Fdic insurance	-409
Data processing	1,514
Atm/debit card processing	344
Total noninterest expense	14,389
Provision for (reversal of) credit losses - unfunded commitments	-69
Provision for credit losses - loans	704
Total provision for credit losses	635
Subordinate notes	263
Fhlb overnight borrowings and advances	2,181
Deposits	8,918
Total interest expense	11,362
Tax exempt interest	269
Taxable interest	4,524
Interest-earning deposits in other banks	2,193
Loans, including fees	21,425
Dividend income	189
Total interest income	28,600
Net interest income	17,238
Net interest income after credit loss expense	16,603
Income before income taxes	7,317
Net income	5,908

Earnings per share, basic	1.32
Earnings per share, diluted	1.32
Weighted average number of shares outstanding, basic	4,461,000
Weighted average number of shares outstanding, diluted	4,471,000

Unit: Thousand (K) dollars (except for numbers of shares and EPS)