Attached files
| file | filename |
|---|---|
| EX-13 - ANNUAL REPORT - 1st FRANKLIN FINANCIAL CORP | ff_ex13.htm |
| EX-31.2 - CERTIFICATION - 1st FRANKLIN FINANCIAL CORP | ff_ex31z2.htm |
| EX-31.1 - CERTIFICATION - 1st FRANKLIN FINANCIAL CORP | ff_ex31z1.htm |
| EX-32.2 - CERTIFICATION - 1st FRANKLIN FINANCIAL CORP | ff_ex32z2.htm |
| EX-10.H - EXECUTIVE BONUS PLAN - 1st FRANKLIN FINANCIAL CORP | ff_ex10zh.htm |
| EX-32.1 - CERTIFICATION - 1st FRANKLIN FINANCIAL CORP | ff_ex32z1.htm |
| EX-10.G - DIRECTOR COMPENSATION SUMMARY TERM SHEET - 1st FRANKLIN FINANCIAL CORP | ff_ex10zg.htm |
| EXCEL - IDEA: XBRL DOCUMENT - 1st FRANKLIN FINANCIAL CORP | Financial_Report.xls |
| 10-K - FORM 10-K - 1st FRANKLIN FINANCIAL CORP | ff_10k.htm |
Exhibit 12 |
RATIO OF EARNINGS TO FIXED CHARGES |
2014 | 2013 | 2012 | 2011 | 2010 | |
(In thousands, except ratio data) | |||||
Income before income taxes | $ 37,531 | $ 38,400 | $ 36,663 | $ 32,229 | $ 23,423 |
Interest on indebtedness | 11,952 | 11,472 | 11,394 | 11,641 | 12,439 |
Portion of rents representative | |||||
of the interest factor | 1,939 | 1,837 | 1,739 | 1,670 | 1,589 |
Earnings as adjusted | $ 51,422 | $ 51,709 | $ 49,796 | $ 45,540 | $ 37,451 |
Fixed charges: | |||||
Interest on indebtedness | $ 11,952 | $ 11,472 | $ 11,394 | $ 11,641 | $ 12,439 |
Portion of rents representative | |||||
of the interest factor | 1,939 | 1,837 | 1,739 | 1,670 | 1,589 |
Fixed charges | $ 13,891 | $ 13,309 | $ 13,133 | $ 13,311 | $ 14,028 |
Ratio of earnings | |||||
to fixed charges | 3.70 | 3.89 | 3.79 | 3.42 | 2.67 |