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Franklin Financial Services (FRAF) - 2024 Q4 - Annual Results

Exhibit 99.1 January 28, 2025 Income Statement Highlights · Net interest income was 15.1millionforthefourthquarterof2024comparedto15.1 million for the fourth quarter of 2024 compared to 14.7 million for the third quarter of 2024 and 13.9millionforthefourthquarterof2023.Yeartodate,netinterestincomefor2024increased7.213.9 million for the fourth quarter of 2023. Year-to-date, net interest income for 2024 increased 7.2% from 2023 to 57.5 million. The net interest margin (NIM) was 2.92% for the fourth quarter of 2024 down from 2.97% in the prior · Debt securities available for sale increased $36.1 million (7.6%) due to purchases made d ...