$FRAF
FRANKLIN FINANCIAL SERVICES CORP /PA/

2024 Q4 Form 10-Q Financial Statement

#000072364624000071 Filed on November 14, 2024

View on sec.gov

Income Statement

Concept 2024 Q4 2024 Q3
Revenue $26.05M
YoY Change 29.27%
Cost Of Revenue
YoY Change
Gross Profit
YoY Change
Gross Profit Margin
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development $110.0K
YoY Change 6.8%
% of Gross Profit
Depreciation & Amortization $527.0K
YoY Change 1.35%
% of Gross Profit
Operating Expenses $110.0K
YoY Change 6.8%
Operating Profit
YoY Change
Interest Expense
YoY Change
% of Operating Profit
Other Income/Expense, Net
YoY Change
Pretax Income $5.103M
YoY Change 9.81%
Income Tax $885.0K
% Of Pretax Income 17.34%
Net Earnings $4.218M
YoY Change 9.3%
Net Earnings / Revenue 16.19%
Basic Earnings Per Share $0.96
Diluted Earnings Per Share $0.95
COMMON SHARES
Basic Shares Outstanding 4.416M 4.409M
Diluted Shares Outstanding 4.423M

Balance Sheet

Concept 2024 Q4 2024 Q3
SHORT-TERM ASSETS
Cash & Short-Term Investments
YoY Change
Cash & Equivalents $236.3M
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
LONG-TERM ASSETS
Property, Plant & Equipment $29.16M
YoY Change 0.47%
Goodwill $9.016M
YoY Change 0.0%
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets $9.135M
YoY Change -38.69%
Total Long-Term Assets
YoY Change
TOTAL ASSETS
Total Short-Term Assets
Total Long-Term Assets
Total Assets $2.151B
YoY Change 17.7%
SHORT-TERM LIABILITIES
YoY Change
Accounts Payable
YoY Change
Accrued Expenses $4.403M
YoY Change -11.94%
Deferred Revenue
YoY Change
Short-Term Debt $40.00M
YoY Change -42.86%
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities $44.40M
YoY Change -40.8%
LONG-TERM LIABILITIES
Long-Term Debt $19.69M
YoY Change -0.05%
Other Long-Term Liabilities $13.85M
YoY Change 24.77%
Total Long-Term Liabilities $33.54M
YoY Change 8.9%
TOTAL LIABILITIES
Total Short-Term Liabilities $44.40M
Total Long-Term Liabilities $33.54M
Total Liabilities $2.001B
YoY Change 16.83%
SHAREHOLDERS EQUITY
Retained Earnings $140.4M
YoY Change 6.42%
Common Stock $48.41M
YoY Change 0.38%
Preferred Stock
YoY Change
Treasury Stock (at cost) $7.983M
YoY Change -16.31%
Treasury Stock Shares
Shareholders Equity $149.9M
YoY Change
Total Liabilities & Shareholders Equity $2.151B
YoY Change 17.7%

Cashflow Statement

Concept 2024 Q4 2024 Q3
OPERATING ACTIVITIES
Net Income $4.218M
YoY Change 9.3%
Depreciation, Depletion And Amortization $527.0K
YoY Change 1.35%
Cash From Operating Activities $7.799M
YoY Change 7.57%
INVESTING ACTIVITIES
Capital Expenditures $733.0K
YoY Change 193.2%
Acquisitions
YoY Change
Other Investing Activities -$46.25M
YoY Change -49.21%
Cash From Investing Activities -$46.98M
YoY Change -48.55%
FINANCING ACTIVITIES
Cash Dividend Paid
YoY Change
Common Stock Issuance & Retirement, Net
YoY Change
Debt Paid & Issued, Net
YoY Change
Cash From Financing Activities 95.77M
YoY Change 2.79%
NET CHANGE
Cash From Operating Activities 7.799M
Cash From Investing Activities -46.98M
Cash From Financing Activities 95.77M
Net Change In Cash 56.59M
YoY Change 521.19%
FREE CASH FLOW
Cash From Operating Activities $7.799M
Capital Expenditures $733.0K
Free Cash Flow $7.066M
YoY Change 0.94%

Facts In Submission

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NoninterestExpense
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us-gaap Noninterest Expense
NoninterestExpense
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CY2024Q3 us-gaap Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest
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us-gaap Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest
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us-gaap Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest
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CY2024Q3 us-gaap Income Tax Expense Benefit
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us-gaap Net Income Loss
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us-gaap Net Income Loss
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EarningsPerShareDiluted
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EarningsPerShareDiluted
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CY2024Q3 us-gaap Net Income Loss
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NetIncomeLoss
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us-gaap Net Income Loss
NetIncomeLoss
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OtherComprehensiveIncomeAvailableforsaleSecuritiesAdjustmentBeforeTaxPortionAttributableToParent
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us-gaap Other Comprehensive Income Availableforsale Securities Adjustment Before Tax Portion Attributable To Parent
OtherComprehensiveIncomeAvailableforsaleSecuritiesAdjustmentBeforeTaxPortionAttributableToParent
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us-gaap Other Comprehensive Income Availableforsale Securities Adjustment Before Tax Portion Attributable To Parent
OtherComprehensiveIncomeAvailableforsaleSecuritiesAdjustmentBeforeTaxPortionAttributableToParent
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CY2024Q3 us-gaap Other Comprehensive Income Availableforsale Securities Tax Portion Attributable To Parent
OtherComprehensiveIncomeAvailableforsaleSecuritiesTaxPortionAttributableToParent
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OtherComprehensiveIncomeAvailableforsaleSecuritiesTaxPortionAttributableToParent
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OtherComprehensiveIncomeAvailableforsaleSecuritiesTaxPortionAttributableToParent
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us-gaap Other Comprehensive Income Availableforsale Securities Tax Portion Attributable To Parent
OtherComprehensiveIncomeAvailableforsaleSecuritiesTaxPortionAttributableToParent
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CY2024Q3 us-gaap Other Comprehensive Income Availableforsale Securities Adjustment Net Of Tax Portion Attributable To Parent
OtherComprehensiveIncomeAvailableforsaleSecuritiesAdjustmentNetOfTaxPortionAttributableToParent
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CY2023Q3 us-gaap Other Comprehensive Income Availableforsale Securities Adjustment Net Of Tax Portion Attributable To Parent
OtherComprehensiveIncomeAvailableforsaleSecuritiesAdjustmentNetOfTaxPortionAttributableToParent
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us-gaap Other Comprehensive Income Availableforsale Securities Adjustment Net Of Tax Portion Attributable To Parent
OtherComprehensiveIncomeAvailableforsaleSecuritiesAdjustmentNetOfTaxPortionAttributableToParent
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us-gaap Other Comprehensive Income Availableforsale Securities Adjustment Net Of Tax Portion Attributable To Parent
OtherComprehensiveIncomeAvailableforsaleSecuritiesAdjustmentNetOfTaxPortionAttributableToParent
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CY2024Q3 us-gaap Other Comprehensive Income Loss Net Of Tax Portion Attributable To Parent
OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent
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OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent
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us-gaap Other Comprehensive Income Loss Net Of Tax Portion Attributable To Parent
OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent
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OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent
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CY2024Q3 us-gaap Comprehensive Income Net Of Tax
ComprehensiveIncomeNetOfTax
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CY2023Q3 us-gaap Comprehensive Income Net Of Tax
ComprehensiveIncomeNetOfTax
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us-gaap Comprehensive Income Net Of Tax
ComprehensiveIncomeNetOfTax
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us-gaap Comprehensive Income Net Of Tax
ComprehensiveIncomeNetOfTax
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StockholdersEquity
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NetIncomeLoss
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CY2024Q3 us-gaap Common Stock Dividends Per Share Declared
CommonStockDividendsPerShareDeclared
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CY2024Q3 us-gaap Dividends Common Stock Cash
DividendsCommonStockCash
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CY2024Q3 us-gaap Treasury Stock Value Acquired Cost Method
TreasuryStockValueAcquiredCostMethod
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CY2024Q3 us-gaap Stock Issued During Period Value Dividend Reinvestment Plan
StockIssuedDuringPeriodValueDividendReinvestmentPlan
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CY2024Q3 us-gaap Stock Issued During Period Value Employee Stock Purchase Plan
StockIssuedDuringPeriodValueEmployeeStockPurchasePlan
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CY2024Q3 us-gaap Stock Issued During Period Value Share Based Compensation Gross
StockIssuedDuringPeriodValueShareBasedCompensationGross
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CY2024Q3 us-gaap Stockholders Equity
StockholdersEquity
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CY2023Q4 us-gaap Stockholders Equity
StockholdersEquity
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us-gaap Net Income Loss
NetIncomeLoss
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us-gaap Other Comprehensive Income Loss Net Of Tax Portion Attributable To Parent
OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent
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us-gaap Common Stock Dividends Per Share Declared
CommonStockDividendsPerShareDeclared
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us-gaap Dividends Common Stock Cash
DividendsCommonStockCash
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us-gaap Treasury Stock Value Acquired Cost Method
TreasuryStockValueAcquiredCostMethod
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us-gaap Stock Issued During Period Value Dividend Reinvestment Plan
StockIssuedDuringPeriodValueDividendReinvestmentPlan
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us-gaap Stock Issued During Period Value Employee Stock Purchase Plan
StockIssuedDuringPeriodValueEmployeeStockPurchasePlan
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StockIssuedDuringPeriodValueShareBasedCompensationGross
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CY2024Q3 us-gaap Stockholders Equity
StockholdersEquity
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StockholdersEquity
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CY2023Q3 us-gaap Common Stock Dividends Per Share Declared
CommonStockDividendsPerShareDeclared
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CY2023Q3 us-gaap Dividends Common Stock Cash
DividendsCommonStockCash
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CY2023Q3 us-gaap Stock Issued During Period Value Dividend Reinvestment Plan
StockIssuedDuringPeriodValueDividendReinvestmentPlan
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StockIssuedDuringPeriodValueEmployeeStockPurchasePlan
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CY2023Q3 us-gaap Stock Issued During Period Value Share Based Compensation Gross
StockIssuedDuringPeriodValueShareBasedCompensationGross
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CY2023Q3 us-gaap Stockholders Equity
StockholdersEquity
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CY2022Q4 us-gaap Stockholders Equity
StockholdersEquity
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NetIncomeLoss
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us-gaap Common Stock Dividends Per Share Declared
CommonStockDividendsPerShareDeclared
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us-gaap Dividends Common Stock Cash
DividendsCommonStockCash
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us-gaap Treasury Stock Value Acquired Cost Method
TreasuryStockValueAcquiredCostMethod
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us-gaap Stock Issued During Period Value Dividend Reinvestment Plan
StockIssuedDuringPeriodValueDividendReinvestmentPlan
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us-gaap Stock Issued During Period Value Employee Stock Purchase Plan
StockIssuedDuringPeriodValueEmployeeStockPurchasePlan
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StockIssuedDuringPeriodValueShareBasedCompensationGross
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CY2023Q3 us-gaap Stockholders Equity
StockholdersEquity
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us-gaap Net Income Loss
NetIncomeLoss
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us-gaap Net Income Loss
NetIncomeLoss
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us-gaap Depreciation And Amortization
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us-gaap Depreciation And Amortization
DepreciationAndAmortization
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fraf Net Amortization Of Loans And Investment Securities
NetAmortizationOfLoansAndInvestmentSecurities
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fraf Net Amortization Of Loans And Investment Securities
NetAmortizationOfLoansAndInvestmentSecurities
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fraf Amortization Of Subordinate Debt Issuance Costs
AmortizationOfSubordinateDebtIssuanceCosts
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fraf Amortization Of Subordinate Debt Issuance Costs
AmortizationOfSubordinateDebtIssuanceCosts
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us-gaap Provision For Loan Lease And Other Losses
ProvisionForLoanLeaseAndOtherLosses
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us-gaap Provision For Loan Lease And Other Losses
ProvisionForLoanLeaseAndOtherLosses
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ChangeInFairValueOfEquitySecurities
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fraf Change In Fair Value Of Equity Securities
ChangeInFairValueOfEquitySecurities
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DebtAndEquitySecuritiesGainLoss
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us-gaap Payments For Origination Of Mortgage Loans Held For Sale
PaymentsForOriginationOfMortgageLoansHeldForSale
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us-gaap Payments For Origination Of Mortgage Loans Held For Sale
PaymentsForOriginationOfMortgageLoansHeldForSale
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us-gaap Proceeds From Sale Of Loans Held For Sale
ProceedsFromSaleOfLoansHeldForSale
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us-gaap Proceeds From Sale Of Loans Held For Sale
ProceedsFromSaleOfLoansHeldForSale
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us-gaap Gain Loss On Sale Of Loans And Leases
GainLossOnSaleOfLoansAndLeases
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us-gaap Gain Loss On Sale Of Loans And Leases
GainLossOnSaleOfLoansAndLeases
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us-gaap Bank Owned Life Insurance Income
BankOwnedLifeInsuranceIncome
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us-gaap Bank Owned Life Insurance Income
BankOwnedLifeInsuranceIncome
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DecreaseIncreaseInFairValueOfDerivative
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fraf Decrease Increase In Fair Value Of Derivative
DecreaseIncreaseInFairValueOfDerivative
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us-gaap Share Based Compensation
ShareBasedCompensation
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us-gaap Share Based Compensation
ShareBasedCompensation
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IncreaseDecreaseInOtherOperatingAssets
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us-gaap Increase Decrease In Other Operating Assets
IncreaseDecreaseInOtherOperatingAssets
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us-gaap Increase Decrease In Other Operating Liabilities
IncreaseDecreaseInOtherOperatingLiabilities
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us-gaap Increase Decrease In Other Operating Liabilities
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us-gaap Net Cash Provided By Used In Operating Activities
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fraf Proceeds From Maturities And Pay Downs Of Securities Available For Sale
ProceedsFromMaturitiesAndPayDownsOfSecuritiesAvailableForSale
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fraf Proceeds From Maturities And Pay Downs Of Securities Available For Sale
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us-gaap Payments To Acquire Available For Sale Securities Debt
PaymentsToAcquireAvailableForSaleSecuritiesDebt
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us-gaap Payments To Acquire Available For Sale Securities Debt
PaymentsToAcquireAvailableForSaleSecuritiesDebt
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us-gaap Increase Decrease Of Restricted Investments
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us-gaap Payments For Proceeds From Loans And Leases
PaymentsForProceedsFromLoansAndLeases
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us-gaap Payments For Proceeds From Loans And Leases
PaymentsForProceedsFromLoansAndLeases
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us-gaap Proceeds From Life Insurance Policies
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PaymentsForProceedsFromProductiveAssets
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us-gaap Payments For Proceeds From Productive Assets
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us-gaap Net Cash Provided By Used In Investing Activities
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us-gaap Net Cash Provided By Used In Investing Activities
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NetIncreaseInDemandDepositsInterestBearingCheckingAndSavingsAccounts
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us-gaap Increase Decrease In Time Deposits
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us-gaap Increase Decrease In Time Deposits
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us-gaap Proceeds From Issuance Of Long Term Debt
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us-gaap Proceeds From Issuance Of Long Term Debt
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us-gaap Repayments Of Long Term Debt
RepaymentsOfLongTermDebt
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us-gaap Payments Of Dividends Common Stock
PaymentsOfDividendsCommonStock
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us-gaap Payments Of Dividends Common Stock
PaymentsOfDividendsCommonStock
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us-gaap Payments For Repurchase Of Common Stock
PaymentsForRepurchaseOfCommonStock
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us-gaap Payments For Repurchase Of Common Stock
PaymentsForRepurchaseOfCommonStock
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ProceedsFromStockOptionsExercised
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us-gaap Proceeds From Stock Options Exercised
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fraf Proceeds To Stock Plans
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fraf Proceeds To Stock Plans
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us-gaap Net Cash Provided By Used In Financing Activities
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us-gaap Net Cash Provided By Used In Financing Activities
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us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Excluding Exchange Rate Effect
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseExcludingExchangeRateEffect
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us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Excluding Exchange Rate Effect
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseExcludingExchangeRateEffect
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CY2023Q4 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents
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CY2022Q4 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents
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CY2024Q3 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents
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CY2023Q3 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents
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us-gaap Interest Paid Net
InterestPaidNet
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us-gaap Interest Paid Net
InterestPaidNet
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us-gaap Income Taxes Paid
IncomeTaxesPaid
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us-gaap Income Taxes Paid
IncomeTaxesPaid
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fraf Recognition Of Operating Lease Right Of Use Asset
RecognitionOfOperatingLeaseRightOfUseAsset
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CY2024Q3 us-gaap Weighted Average Number Of Shares Outstanding Basic
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CY2023Q3 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
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us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
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us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
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CY2024Q3 us-gaap Weighted Average Number Diluted Shares Outstanding Adjustment
WeightedAverageNumberDilutedSharesOutstandingAdjustment
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CY2023Q3 us-gaap Weighted Average Number Diluted Shares Outstanding Adjustment
WeightedAverageNumberDilutedSharesOutstandingAdjustment
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us-gaap Weighted Average Number Diluted Shares Outstanding Adjustment
WeightedAverageNumberDilutedSharesOutstandingAdjustment
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us-gaap Weighted Average Number Diluted Shares Outstanding Adjustment
WeightedAverageNumberDilutedSharesOutstandingAdjustment
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CY2024Q3 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
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CY2023Q3 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
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us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
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us-gaap Weighted Average Number Of Diluted Shares Outstanding
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CY2023Q3 us-gaap Antidilutive Securities Excluded From Computation Of Earnings Per Share Amount
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us-gaap Antidilutive Securities Excluded From Computation Of Earnings Per Share Amount
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us-gaap Net Income Loss
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us-gaap Net Income Loss
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CY2024Q3 us-gaap Earnings Per Share Basic
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EarningsPerShareBasic
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us-gaap Earnings Per Share Basic
EarningsPerShareBasic
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us-gaap Earnings Per Share Basic
EarningsPerShareBasic
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EarningsPerShareDiluted
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CY2023Q3 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
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us-gaap Earnings Per Share Diluted
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CY2024Q3 us-gaap Debt Securities Available For Sale Unrealized Loss Position
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CY2023Q4 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position Less Than12 Months
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DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss
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CY2023Q4 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position12 Months Or Longer
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger
402548000
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CY2023Q4 us-gaap Debt Securities Available For Sale Unrealized Loss Position
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458186000
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49554000
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564
CY2024Q3 us-gaap Equity Securities Fv Ni
EquitySecuritiesFvNi
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CY2023Q4 us-gaap Equity Securities Fv Ni
EquitySecuritiesFvNi
427000
CY2024Q3 us-gaap Financing Receivable Excluding Accrued Interest Before Allowance For Credit Loss
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CY2024Q3 us-gaap Deferred Finance Costs Net
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CY2024Q3 us-gaap Loans Receivable Fair Value Disclosure
LoansReceivableFairValueDisclosure
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LoansReceivableFairValueDisclosure
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FinancingReceivableNonaccrualWithAllowance
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CY2024Q3 us-gaap Financing Receivable Recorded Investment90 Days Past Due And Still Accruing
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43000
CY2023Q4 us-gaap Financing Receivable Nonaccrual No Allowance
FinancingReceivableNonaccrualNoAllowance
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CY2023Q4 us-gaap Financing Receivable Recorded Investment90 Days Past Due And Still Accruing
FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing
5000
fraf Number Of Commercial Loan
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1
fraf Specific Reserve
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LoanDeferralsOrModifications
0
CY2024Q3 fraf Loan Deferrals Or Modifications
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CY2024Q2 us-gaap Financing Receivable Allowance For Credit Loss Excluding Accrued Interest
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FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff
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CY2024Q3 us-gaap Financing Receivable Excluding Accrued Interest Allowance For Credit Loss Recovery
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CY2024Q3 us-gaap Financing Receivable Excluding Accrued Interest Credit Loss Expense Reversal
FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal
474000
CY2024Q3 us-gaap Financing Receivable Allowance For Credit Loss Excluding Accrued Interest
FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest
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CY2023Q4 us-gaap Financing Receivable Allowance For Credit Loss Excluding Accrued Interest
FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest
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us-gaap Financing Receivable Excluding Accrued Interest Allowance For Credit Loss Writeoff
FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff
224000
us-gaap Financing Receivable Excluding Accrued Interest Allowance For Credit Loss Recovery
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us-gaap Financing Receivable Excluding Accrued Interest Credit Loss Expense Reversal
FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal
1524000
CY2024Q3 us-gaap Financing Receivable Allowance For Credit Loss Excluding Accrued Interest
FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest
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FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest
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FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff
23000
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FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery
70000
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FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal
866000
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FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest
15528000
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FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest
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us-gaap Financing Receivable Excluding Accrued Interest Allowance For Credit Loss Writeoff
FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff
186000
us-gaap Financing Receivable Excluding Accrued Interest Allowance For Credit Loss Recovery
FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery
218000
us-gaap Financing Receivable Excluding Accrued Interest Credit Loss Expense Reversal
FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal
1857000
CY2023Q3 us-gaap Financing Receivable Allowance For Credit Loss Excluding Accrued Interest
FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest
15528000
fraf Pooled Reserve
PooledReserve
17300000
fraf Specific Reserve
SpecificReserve
205000
CY2023 us-gaap Financing Receivable Modifications Post Modification Recorded Investment2
FinancingReceivableModificationsPostModificationRecordedInvestment2
0
us-gaap Financing Receivable Modifications Post Modification Recorded Investment2
FinancingReceivableModificationsPostModificationRecordedInvestment2
0
us-gaap Lessee Operating Lease Option To Extend
LesseeOperatingLeaseOptionToExtend
may contain renewal options after the initial term
fraf Number Of Leases With Variable Payment Based On Index
NumberOfLeasesWithVariablePaymentBasedOnIndex
1
us-gaap Lessee Operating Lease Restriction Or Covenant
LesseeOperatingLeaseRestrictionOrCovenant
None of the leases contain any restrictive covenants
CY2024Q3 us-gaap Operating Lease Cost
OperatingLeaseCost
192000
CY2023Q3 us-gaap Operating Lease Cost
OperatingLeaseCost
191000
us-gaap Operating Lease Cost
OperatingLeaseCost
581000
us-gaap Operating Lease Cost
OperatingLeaseCost
619000
CY2024Q3 us-gaap Short Term Lease Cost
ShortTermLeaseCost
1000
CY2023Q3 us-gaap Short Term Lease Cost
ShortTermLeaseCost
4000
us-gaap Short Term Lease Cost
ShortTermLeaseCost
3000
us-gaap Short Term Lease Cost
ShortTermLeaseCost
12000
CY2024Q3 us-gaap Variable Lease Cost
VariableLeaseCost
31000
CY2023Q3 us-gaap Variable Lease Cost
VariableLeaseCost
36000
us-gaap Variable Lease Cost
VariableLeaseCost
118000
us-gaap Variable Lease Cost
VariableLeaseCost
110000
CY2024Q3 us-gaap Lease Cost
LeaseCost
224000
CY2023Q3 us-gaap Lease Cost
LeaseCost
231000
us-gaap Lease Cost
LeaseCost
702000
us-gaap Lease Cost
LeaseCost
741000
us-gaap Operating Lease Payments
OperatingLeasePayments
556000
us-gaap Operating Lease Payments
OperatingLeasePayments
602000
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OperatingLeaseWeightedAverageRemainingLeaseTerm1
P11Y7M6D
CY2024Q3 us-gaap Operating Lease Weighted Average Remaining Lease Term1
OperatingLeaseWeightedAverageRemainingLeaseTerm1
P11Y7M6D
CY2023Q3 us-gaap Operating Lease Weighted Average Remaining Lease Term1
OperatingLeaseWeightedAverageRemainingLeaseTerm1
P11Y10M24D
CY2024Q3 us-gaap Operating Lease Weighted Average Discount Rate Percent
OperatingLeaseWeightedAverageDiscountRatePercent
0.0346
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OperatingLeaseWeightedAverageDiscountRatePercent
0.0338
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LesseeOperatingLeaseLiabilityPaymentsRemainderOfFiscalYear
177000
CY2024Q3 us-gaap Lessee Operating Lease Liability Payments Due Next Twelve Months
LesseeOperatingLeaseLiabilityPaymentsDueNextTwelveMonths
681000
CY2024Q3 us-gaap Lessee Operating Lease Liability Payments Due Year Two
LesseeOperatingLeaseLiabilityPaymentsDueYearTwo
564000
CY2024Q3 us-gaap Lessee Operating Lease Liability Payments Due Year Three
LesseeOperatingLeaseLiabilityPaymentsDueYearThree
421000
CY2024Q3 us-gaap Lessee Operating Lease Liability Payments Due Year Four
LesseeOperatingLeaseLiabilityPaymentsDueYearFour
393000
CY2024Q3 us-gaap Lessee Operating Lease Liability Payments Due After Year Five
LesseeOperatingLeaseLiabilityPaymentsDueAfterYearFive
3205000
CY2024Q3 us-gaap Lessee Operating Lease Liability Payments Due
LesseeOperatingLeaseLiabilityPaymentsDue
5441000
CY2024Q3 us-gaap Lessee Operating Lease Liability Undiscounted Excess Amount
LesseeOperatingLeaseLiabilityUndiscountedExcessAmount
1038000
CY2024Q3 us-gaap Operating Lease Liability
OperatingLeaseLiability
4403000
CY2023Q4 us-gaap Other Real Estate
OtherRealEstate
0
CY2024Q3 us-gaap Other Real Estate
OtherRealEstate
0
CY2024Q3 us-gaap Derivative Fair Value Of Derivative Net
DerivativeFairValueOfDerivativeNet
1000
CY2024Q3 us-gaap Defined Benefit Plan Service Cost
DefinedBenefitPlanServiceCost
56000
CY2023Q3 us-gaap Defined Benefit Plan Service Cost
DefinedBenefitPlanServiceCost
54000
us-gaap Defined Benefit Plan Service Cost
DefinedBenefitPlanServiceCost
159000
us-gaap Defined Benefit Plan Service Cost
DefinedBenefitPlanServiceCost
162000
CY2024Q3 us-gaap Defined Benefit Plan Interest Cost
DefinedBenefitPlanInterestCost
193000
CY2023Q3 us-gaap Defined Benefit Plan Interest Cost
DefinedBenefitPlanInterestCost
202000
us-gaap Defined Benefit Plan Interest Cost
DefinedBenefitPlanInterestCost
574000
us-gaap Defined Benefit Plan Interest Cost
DefinedBenefitPlanInterestCost
605000
CY2024Q3 us-gaap Defined Benefit Plan Expected Return On Plan Assets
DefinedBenefitPlanExpectedReturnOnPlanAssets
215000
CY2023Q3 us-gaap Defined Benefit Plan Expected Return On Plan Assets
DefinedBenefitPlanExpectedReturnOnPlanAssets
231000
us-gaap Defined Benefit Plan Expected Return On Plan Assets
DefinedBenefitPlanExpectedReturnOnPlanAssets
647000
us-gaap Defined Benefit Plan Expected Return On Plan Assets
DefinedBenefitPlanExpectedReturnOnPlanAssets
693000
CY2024Q3 fraf Defined Benefit Plan Recognized Net Actuarial Gain Loss
DefinedBenefitPlanRecognizedNetActuarialGainLoss
-15000
fraf Defined Benefit Plan Recognized Net Actuarial Gain Loss
DefinedBenefitPlanRecognizedNetActuarialGainLoss
-30000
CY2024Q3 us-gaap Defined Benefit Plan Net Periodic Benefit Cost
DefinedBenefitPlanNetPeriodicBenefitCost
49000
CY2023Q3 us-gaap Defined Benefit Plan Net Periodic Benefit Cost
DefinedBenefitPlanNetPeriodicBenefitCost
25000
us-gaap Defined Benefit Plan Net Periodic Benefit Cost
DefinedBenefitPlanNetPeriodicBenefitCost
116000
us-gaap Defined Benefit Plan Net Periodic Benefit Cost
DefinedBenefitPlanNetPeriodicBenefitCost
74000
fraf Charge Offs On Impaired Loans
ChargeOffsOnImpairedLoans
0
CY2024Q3 us-gaap Derivative Liabilities
DerivativeLiabilities
1000
CY2023Q4 us-gaap Derivative Liabilities
DerivativeLiabilities
2000
CY2024Q3 us-gaap Liabilities Fair Value Disclosure
LiabilitiesFairValueDisclosure
0
CY2024Q3 us-gaap Noninterest Bearing Deposit Liabilities Domestic
NoninterestBearingDepositLiabilitiesDomestic
303207000
CY2023Q4 us-gaap Noninterest Bearing Deposit Liabilities Domestic
NoninterestBearingDepositLiabilitiesDomestic
273050000
CY2024Q3 us-gaap Interest Bearing Domestic Deposit Checking
InterestBearingDomesticDepositChecking
418837000
CY2023Q4 us-gaap Interest Bearing Domestic Deposit Checking
InterestBearingDomesticDepositChecking
454517000
CY2024Q3 us-gaap Interest Bearing Domestic Deposit Money Market
InterestBearingDomesticDepositMoneyMarket
657656000
CY2023Q4 us-gaap Interest Bearing Domestic Deposit Money Market
InterestBearingDomesticDepositMoneyMarket
572058000
CY2024Q3 us-gaap Interest Bearing Domestic Deposit Savings
InterestBearingDomesticDepositSavings
100516000
CY2023Q4 us-gaap Interest Bearing Domestic Deposit Savings
InterestBearingDomesticDepositSavings
105907000
CY2024Q3 us-gaap Interest Bearing Deposit Liabilities
InterestBearingDepositLiabilities
1177009000
CY2023Q4 us-gaap Interest Bearing Deposit Liabilities
InterestBearingDepositLiabilities
1132482000
CY2024Q3 us-gaap Time Deposits
TimeDeposits
243275000
CY2023Q4 us-gaap Time Deposits
TimeDeposits
132446000
CY2024Q3 us-gaap Deposits
Deposits
1723491000
CY2023Q4 us-gaap Deposits
Deposits
1537978000
CY2024Q3 us-gaap Deposit Liabilities Reclassified As Loans Receivable1
DepositLiabilitiesReclassifiedAsLoansReceivable1
109000
CY2023Q4 us-gaap Deposit Liabilities Reclassified As Loans Receivable1
DepositLiabilitiesReclassifiedAsLoansReceivable1
160000
CY2024Q3 fraf Time Deposits250000 Or More
TimeDeposits250000OrMore
77600000
CY2023Q4 fraf Time Deposits250000 Or More
TimeDeposits250000OrMore
44400000
CY2024Q3 us-gaap Deferred Finance Costs Gross
DeferredFinanceCostsGross
309000000
fraf Debt Instrument Redemption Period
DebtInstrumentRedemptionPeriod
P5Y
fraf Capital Ratios Basel Iii Capital Conservation Buffer Year Three
CapitalRatiosBaselIiiCapitalConservationBufferYearThree
0.025
fraf Capital Ratios Basel Iii Capital Conservation Buffer Year Three
CapitalRatiosBaselIiiCapitalConservationBufferYearThree
0.025
CY2021 fraf Community Bank Leverage Ratio Minimum
CommunityBankLeverageRatioMinimum
0.09
fraf Consolidated Asset Limit On Small Bank Holding Companies
ConsolidatedAssetLimitOnSmallBankHoldingCompanies
3000000000.0
fraf Estate Management Services Fees Recognition Period
EstateManagementServicesFeesRecognitionPeriod
P18M
CY2024Q3 us-gaap Investment Banking Revenue
InvestmentBankingRevenue
2097000
CY2023Q3 us-gaap Investment Banking Revenue
InvestmentBankingRevenue
1783000
us-gaap Investment Banking Revenue
InvestmentBankingRevenue
6366000
us-gaap Investment Banking Revenue
InvestmentBankingRevenue
5576000
us-gaap Reclassifications
Reclassifications
<span style="white-space:pre-wrap; font-family: 'Times New Roman', 'serif';font-size: 11pt;font-style: normal;font-weight: bold;margin: 0;padding: 0;">Note 18. Reclassification</span><span style="white-space:pre-wrap; font-family: 'Times New Roman', 'serif';font-size: 11pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;">Certain prior period amounts may have been reclassified to conform to the current year presentation. Such reclassifications did not affect prior year net income or shareholders’ equity</span><span style="white-space:pre-wrap; font-family: 'Times New Roman', 'serif';font-size: 9pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;">.</span>
CY2024Q3 ecd Rule10b51 Arr Adopted Flag
Rule10b51ArrAdoptedFlag
false
CY2024Q3 ecd Rule10b51 Arr Trmntd Flag
Rule10b51ArrTrmntdFlag
false
CY2024Q3 ecd Non Rule10b51 Arr Adopted Flag
NonRule10b51ArrAdoptedFlag
false
CY2024Q3 ecd Non Rule10b51 Arr Trmntd Flag
NonRule10b51ArrTrmntdFlag
false

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R78.htm Edgar Link pending
R8.htm Edgar Link pending
R9.htm Edgar Link pending
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Show.js Edgar Link pending
fraf-20240930_cal.xml Edgar Link unprocessable