Attached files
| file | filename |
|---|---|
| EX-32.2 - CERTIFICATION - 1st FRANKLIN FINANCIAL CORP | ff_ex32z2.htm |
| EX-32.1 - CERTIFICATION - 1st FRANKLIN FINANCIAL CORP | ff_ex32z1.htm |
| EX-31.2 - CERTIFICATION - 1st FRANKLIN FINANCIAL CORP | ff_ex31z2.htm |
| EX-31.1 - CERTIFICATION - 1st FRANKLIN FINANCIAL CORP | ff_ex31z1.htm |
| EX-23 - AUDITOR'S CONSENT - 1st FRANKLIN FINANCIAL CORP | ff_ex23.htm |
| EX-13 - ANNUAL REPORT - 1st FRANKLIN FINANCIAL CORP | ff_ex13.htm |
| EX-10.J - EXECUTIVE BONUS PLAN - 1st FRANKLIN FINANCIAL CORP | ff_ex10zj.htm |
| EX-10.I - DIRECTOR COMPENSATION SUMMARY - 1st FRANKLIN FINANCIAL CORP | ff_ex10zi.htm |
| 10-K - FORM 10-K - 1st FRANKLIN FINANCIAL CORP | ff_10k.htm |
Exhibit 12 |
RATIO OF EARNINGS TO FIXED CHARGES |
| 2017 | 2016 | 2015 | 2014 | 2013 |
| (In thousands, except ratio data) | ||||
Income before income taxes | $17,504 | $6,330 | $31,130 | $37,531 | $38,400 |
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Interest on indebtedness | 12,905 | 13,432 | 12,955 | 11,952 | 11,472 |
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Portion of rents representative |
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of the interest factor | 2,356 | 2,131 | 2,014 | 1,939 | 1,837 |
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Earnings as adjusted | $32,765 | $21,893 | $46,099 | $51,422 | $51,709 |
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Fixed charges: |
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Interest on indebtedness | $12,905 | $13,432 | $12,955 | $11,952 | $11,472 |
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Portion of rents representative |
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of the interest factor | 2,356 | 2,131 | 2,014 | 1,939 | 1,837 |
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Fixed charges | $15,261 | $15,563 | $14,969 | $13,891 | $13,309 |
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Ratio of earnings |
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to fixed charges | 2.15 | 1.41 | 3.08 | 3.70 | 3.89 |
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