First Franklin Corporation operates as a savings and loan holding company. The company, through its subsidiary, The Franklin Savings and Loan Company (Franklin), provides a range of banking products and services in Ohio, the United States. Franklin attracts both short-term and long term deposits from the general public by offering various accounts, including regular passbook accounts, checking accounts, money market accounts, fixed interest rate certificates with varying maturities, jumbo certificates of deposit, and individual retirement accounts and Keogh accounts. Its lending products include residential real estate loans, multifamily residential and nonresidential real estate loans, and consumer and other loans for personal, family, or household purposes. Franklin also offers credit and debit cards, automated teller machines, a voice response telephone inquiry system, and Internet banking services. In addition, it offers annuities, mutual funds, and discount brokerage services through an agreement with a third party broker dealer. Franklin invests primarily in the United States Treasury and agency securities, bank certificates of deposit, obligations issued by states or municipalities, and Federal Home Loan Bank overnight funds. As of September 30, 2005, Franklin operated seven banking offices in Hamilton County, Ohio. The company was formed in 1883 and is based in Cincinnati, Ohio.
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