Peer Analysis

 

Performance Ratios (%) CHFN Peer Median Peer Average
ROAA 1.05 0.42 0.43
ROAE 7.70 3.46 3.40
Net Interest Margin 3.92 3.06 2.88
Efficiency Ratio 62.16 74.94 73.78
Loans / Deposits 88.26 114.22 113.41
Asset Quality Ratios (%)
NPAs / Assets 0.34 1.07 1.54
NCOs / Avg Loans (0.09) 0.03 0.07
Reserves / Loans 0.99 0.74 0.78
Reserves / NPAs 210.18 81.63 96.48
Capital Ratios (%)
Tier 1 Capital 15.70 18.61 19.48
Tangible Equity / Tangible Assets 11.49 12.76 12.93
Total Equity / Total Assets 13.80 12.95 13.13
Market Ratios
Price / Earnings (x) 22.20 NA NA
Price / Book (%) 166.09 NA NA
Dividend Yield (%) 1.39 1.31 1.31
Data for trailing four quarters

Charter Financial Corporation's peer group consists of the following: Atlantic Coast Financial Corporation (ACFC), Banc of California, Inc. (BANC), Clifton Bancorp Inc. (CSBK), Simplicity Bancorp, Inc. (SMPL)

Charter Financial Corporation's financial data is as of 6/30/2018.

Peer financial data is as of 6/30/2018 except for these companies:

Atlantic Coast Financial Corporation's financial data is as of 3/31/2018.
Clifton Bancorp Inc.'s financial data is as of 12/31/2017.
Simplicity Bancorp, Inc.'s financial data is as of 12/31/2014.

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We are publicly traded on the NASDAQ under the symbol CHFN.

BANK INFORMATION

Routing Number: 261170876
NMLS Number: 171693

FDIC Equal Housing Lender
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