Attached files
file | filename |
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EX-21 - SEC FORM 10-K EXHIBIT 21 - 1st FRANKLIN FINANCIAL CORP | exhibit21subisidiaries.htm |
EX-31 - SEC FORM 10-K EXHIBIT 31.1 - 1st FRANKLIN FINANCIAL CORP | exhibit311certification.htm |
EX-31 - SEC FORM 10-K EXHIBIT 31.2 - 1st FRANKLIN FINANCIAL CORP | exhibit312certification.htm |
EX-32 - SEC FORM 10-K EXHIBIT 32.2 - 1st FRANKLIN FINANCIAL CORP | exhibit322certification.htm |
EX-32 - SEC FORM 10-K EXHIBIT 32.1 - 1st FRANKLIN FINANCIAL CORP | exhibit321certification.htm |
EX-23 - SEC FORM 10-K EXHIBIT 23 - 1st FRANKLIN FINANCIAL CORP | exhibit23auditorsconsent.htm |
EX-10 - SEC FORM 10-K EXHIBIT 10(F) - 1st FRANKLIN FINANCIAL CORP | exhibit10f2011executivebonus.htm |
EX-13 - SEC FORM 10-K EXHIBIT 13 - 1st FRANKLIN FINANCIAL CORP | exhibit13annualreport2010edg.htm |
10-K - SEC FORM 10-K - 1st FRANKLIN FINANCIAL CORP | sec10k2010edgarrev.htm |
Exhibit 12 |
RATIO OF EARNINGS TO FIXED CHARGES |
| 2010 | 2009 | 2008 | 2007 | 2006 |
| (In thousands, except ratio data) | ||||
Income before income taxes | $ 23,423 | $ 11,050 | $ 13,891 | $ 15,754 | $ 11,023 |
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Interest on indebtedness | 12,439 | 13,682 | 14,728 | 15,746 | 11,994 |
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Portion of rents representative |
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of the interest factor | 1,589 | 1,576 | 1,498 | 1,396 | 1,249 |
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Earnings as adjusted | $ 37,451 | $ 26,308 | $ 30,117 | $ 32,896 | $ 24,266 |
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Fixed charges: |
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Interest on indebtedness | $ 12,439 | $ 13,681 | $ 14,728 | $ 15,746 | $ 11,994 |
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Portion of rents representative |
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of the interest factor | 1,589 | 1,576 | 1,498 | 1,396 | 1,249 |
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Fixed charges | $14,028 | $15,257 | $16,226 | $17,142 | $13,243 |
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Ratio of earnings |
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to fixed charges | 2.67 | 1.72 | 1.86 | 1.92 | 1.83 |
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