October 2012 E-News Bulletin

Welcome to the Franklin Financial Network
October 2012 Market Update!

Dear Friends,

In early November, we will celebrate our fifth anniversary at Franklin Synergy Bank. It is very ironic that in many ways, 2007 seems so long ago and yet in other ways, it was just yesterday! Much has happened in the last five years. Our communities as well as our bank have prospered during this challenging period. We invite you to celebrate our fifth anniversary with us on Friday, November 2nd. Our event begins at 11:00 a.m. and we’d like to invite you to stay and join us for lunch at noon. Please come by so we can personally thank you for a great five years!

In the meantime, I want to share with you some of our major accomplishments.

First, and most importantly, we have assembled a great banking team, implemented a culture built on customer service and created an environment for success. While numbers may tell the story, these attributes make our growth, soundness and profitability possible. I’m so proud of our team. Without question, we have the best community bankers in the area and our success starts with our most valuable asset: the banking team.

Secondly, we have experienced extraordinary growth. In less than five years, we have grown to $525 million in assets. Another way to look at this growth is the recently released annual FDIC bank deposit market share data. At June 30, 2012, our bank was the fifth largest bank in Williamson County, with a market share of 8.9%. There are 33 banks in our market today, and we were 33rd on the list in November 2007. We have grown faster than the market and have surpassed 28 of these banks, including banks that have been in our market for decades. That’s progress!

Thirdly, while we have grown significantly, we are a very sound and secure bank. We have accomplished this by focusing on the basics. There are many ways to measure bank soundness; the two key are capital for growth and the level of problem loans. By any measurement, we are well capitalized by regulatory standards. We are in the lower 10% of banks in Tennessee in the key ratio of problem loans to capital.

Finally, while we have grown and focused on sound banking practices, we have also been profitable. We have made a profit for the last 15 consecutive quarters in a period when many banks have struggled. It is important to us to be profitable so that we can continue to grow and serve our friends and neighbors in Williamson County.

Many factors have contributed to our success, but above all has been the support of our community of friends, neighbors and customers. Thank you for your support and patronage. We’ve only just begun!


Richard Herrington

You're invited to our Fifth Anniversary Celebration!
Be our guest for lunch at Noon!

Travel Club

Franklin Synergy Bank Team News

We are delighted to announce the additions of Tricia Swann, Seth McGill, Karen Colbert and Cacey Clark to the Franklin Synergy Bank team!

Tricia Swann has joined Franklin Synergy Bank as Assistant Vice President, Senior Credit Analyst. Tricia joins us from Fifth Third Bank in the Commercial Lending Division, most recently as a Commercial Relationship Manager.

Tricia holds a B.B.A. in Finance from the University of Memphis and is currently pursuing a Master of Business Administration at Lipscomb University in Nashville. She is a member of the National Association of Women MBA’s and is active in the community through the Women’s Political Collaborative of Tennessee, the Tennessee Bankers Association and Brentwood United Methodist Church.

You may reach Tricia at tricia.swann@franklinsynergy.com or (615) 236-8354.

Seth McGill has joined Franklin Synergy Bank as Assistant Vice President, Controller. He most recently served as Audit Manager at Maggart & Associates, P.C. in Nashville.

Seth earned a B.S. in Business Administration at Tennessee Technological University in Cookeville, Tennessee and earned his CPA in 2010. He is a member of the American Institute of Certified Public Accountants and the Tennessee Society of Certified Public Accountants.

You may reach Seth at seth.mcgill@franklinsynergy.com or (615) 236-8371.

Karen Colbert joins us as Loan Operations Assistant in the bank’s downtown Franklin headquarters. She brings more than 25 years of loan operations experience to the bank.

Karen was most recently at People State Bank of Commerce in Nolensv