Attached files
| file | filename |
|---|---|
| EX-23 - AUDITOR'S CONSENT - 1st FRANKLIN FINANCIAL CORP | ffc_ex23.htm |
| EX-13 - ANNUAL REPORT - 1st FRANKLIN FINANCIAL CORP | ffc_ex13.htm |
| EX-32.2 - CERTIFICATION - 1st FRANKLIN FINANCIAL CORP | ffc_ex32z2.htm |
| EX-31.2 - CERTIFICATION - 1st FRANKLIN FINANCIAL CORP | ffc_ex31z2.htm |
| EX-10.G - EXECUTIVE BONUS PLAN - 1st FRANKLIN FINANCIAL CORP | ffc_ex10zg.htm |
| EX-32.1 - CERTIFICATION - 1st FRANKLIN FINANCIAL CORP | ffc_ex32z1.htm |
| EX-10.F - DIRECTOR COMPENSATION SUMMARY TERM SHEET - 1st FRANKLIN FINANCIAL CORP | ffc_ex10zf.htm |
| EX-31.1 - CERTIFICATION - 1st FRANKLIN FINANCIAL CORP | ffc_ex31z1.htm |
| 10-K - FIRST FRANKLIN FINANCIAL CORPORATION 10-K - 1st FRANKLIN FINANCIAL CORP | ffc_10k.htm |
Exhibit 12 |
RATIO OF EARNINGS TO FIXED CHARGES |
| 2011 | 2010 | 2009 | 2008 | 2007 |
| (In thousands, except ratio data) | ||||
Income before income taxes | $ 32,229 | $ 23,423 | $ 11,050 | $ 13,891 | $ 15,754 |
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Interest on indebtedness | 11,641 | 12,439 | 13,682 | 14,728 | 15,746 |
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Portion of rents representative |
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of the interest factor | 1,670 | 1,589 | 1,576 | 1,498 | 1,396 |
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Earnings as adjusted | $ 45,540 | $ 37,451 | $ 26,308 | $ 30,117 | $ 32,896 |
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Fixed charges: |
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Interest on indebtedness | $ 11,641 | $ 12,439 | $ 13,681 | $ 14,728 | $ 15,746 |
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Portion of rents representative |
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of the interest factor | 1,670 | 1,589 | 1,576 | 1,498 | 1,396 |
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Fixed charges | $13,311 | $14,028 | $15,257 | $16,226 | $17,142 |
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Ratio of earnings |
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to fixed charges | 3.42 | 2.67 | 1.72 | 1.86 | 1.92 |
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