Attached files
| file | filename |
|---|---|
| EX-13 - ANNUAL REPORT - 1st FRANKLIN FINANCIAL CORP | ff_ex13.htm |
| EX-32.2 - CERTIFICATION - 1st FRANKLIN FINANCIAL CORP | ff_ex32z2.htm |
| EX-31.2 - CERTIFICATION - 1st FRANKLIN FINANCIAL CORP | ff_ex31z2.htm |
| EX-32.1 - CERTIFICATION - 1st FRANKLIN FINANCIAL CORP | ff_ex32z1.htm |
| EX-31.1 - CERTIFICATION - 1st FRANKLIN FINANCIAL CORP | ff_ex31z1.htm |
| EX-10.H - EXECUTIVE BONUS PLAN - 1st FRANKLIN FINANCIAL CORP | hexecutivebonus_ex10.htm |
| EX-10.G - DIRECTOR COMPENSATION - 1st FRANKLIN FINANCIAL CORP | directorcompensat_ex10.htm |
| 10-K - FORM 10-K - 1st FRANKLIN FINANCIAL CORP | ff_10k.htm |
Exhibit 12 |
RATIO OF EARNINGS TO FIXED CHARGES |
| 2015 | 2014 | 2013 | 2012 | 2011 |
| (In thousands, except ratio data) | ||||
Income before income taxes | $ 31,130 | $ 37,531 | $ 38,400 | $ 36,663 | $ 32,229 |
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Interest on indebtedness | 12,955 | 11,952 | 11,472 | 11,394 | 11,641 |
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Portion of rents representative |
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of the interest factor | 2,014 | 1,939 | 1,837 | 1,739 | 1,670 |
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Earnings as adjusted | $ 46,099 | $ 51,422 | $ 51,709 | $ 49,796 | $ 45,540 |
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Fixed charges: |
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Interest on indebtedness | $ 12,955 | $ 11,952 | $ 11,472 | $ 11,394 | $ 11,641 |
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Portion of rents representative |
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of the interest factor | 2,014 | 1,939 | 1,837 | 1,739 | 1,670 |
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Fixed charges | $ 14,969 | $ 13,891 | $ 13,309 | $ 13,133 | $ 13,311 |
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Ratio of earnings |
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to fixed charges | 3.08 | 3.70 | 3.89 | 3.79 | 3.42 |
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