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Financial Highlights

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CHARTER FINANCIAL CORP. (NASDAQ - CHFN)  
Select Period:
 2017 FQ42016 FQ4 2017 FQ3 
Period Ended9/30/20179/30/2016Y-Y Ch (%)6/30/2017 Q-Q Ch (%)
Balance Sheet ($000)   
Total Assets1,640,1591,438,38914.031,480,12243.25
Total Net Loans1,151,237996,99415.471,034,13745.29
Total Deposits1,339,1431,161,84415.261,194,25448.53
Equity Attributable to Parent Company214,199203,1505.44212,0804
Total Equity214,199203,1505.44212,0804
Profitability (%)   
Net Income ($000) 2,5593,811 (32.85) 3,514 (108.71)
Net Income Attributable to Parent ($000) 2,5593,811 (32.85) 3,514 (108.71)
ROAA0.671.07 (40)  bp 0.96 (29)  bp
Core ROAA0.901.22 (32)  bp 1.00 (10)  bp
ROAE4.777.56 (279)  bp 6.65 (188)  bp
ROATCE5.999.25 (326)  bp 8.01 (202)  bp
Core ROAE6.458.65 (220)  bp 6.96 (51)  bp
Net Interest Margin3.853.823  bp 3.6025  bp
Reported: Net Interest Margin3.853.823  bp 3.6025  bp
Efficiency Ratio70.1563.15700  bp 65.14501  bp
Noninterest Inc / Operating Rev25.4728.70 (323)  bp 27.90 (243)  bp
Balance Sheet Ratios (%)   
Loans / Deposits86.6586.4520  bp 87.33 (68)  bp
Securities / Assets11.4714.60 (313)  bp 12.93 (146)  bp
Total Equity / Total Assets13.0614.12 (106)  bp 14.33 (127)  bp
Tangible Equity / Tangible Assets10.7212.14 (142)  bp 12.43 (171)  bp
Tang Common Equity / Tang Assets10.7212.14 (142)  bp 12.43 (171)  bp
Asset Quality (%)   
NPAs / Assets0.490.77 (28)  bp 0.57 (8)  bp
NPA Excl Restructured / Assets0.190.45 (26)  bp 0.24 (5)  bp
NPAs & 90+ PD / Assets0.490.87 (38)  bp 0.59 (10)  bp
NPAs / Loans & REO0.691.09 (40)  bp 0.81 (12)  bp
Nonaccrual & 90+ & OREO / Assets0.190.55 (36)  bp 0.26 (7)  bp
NPAs & 90+ PD / Loans & REO0.701.24 (54)  bp 0.84 (14)  bp
NPA & Loans 90+ / Tangible Common Equity + LLR4.446.92 (248)  bp 4.60 (16)  bp
NCOs / Avg Loans(0.10)(0.16)6  bp (0.12)2  bp
Loan Loss Reserves / Gross Loans0.951.03 (8)  bp 1.03 (8)  bp
Reserves / NPAs137.6594.064,359  bp 127.151,050  bp
Loan Loss Provision / NCONMNMNMNMNM
Capital Adequacy  ()  
Tier 1 Common Capital (CET1) ($000) 173,097170,6681.42181,902 (19.36)
Tier 1 Capital ($000) 179,822177,2551.45188,592 (18.60)
Tier 2 Capital ($000) 11,07810,3706.8310,80010.30
Total Capital ($000) 190,900187,6251.75199,392 (17.04)
Total Risk-weighted Assets ($000) 1,208,8931,120,6031,208,8931,108,9011,208,893
Tier 1 Common Capital (CET1) Ratio (%) 14.3215.23 (91)  bp 16.40 (208)  bp
Tier 1 Ratio (%) 14.8715.82 (95)  bp 17.01 (214)  bp
Total Capital Ratio (%) 15.7916.74 (95)  bp 17.98 (219)  bp
Liquidity Coverage Ratio (%) NANANANANA
Leverage Ratio (%) 12.0512.68 (63)  bp 13.08 (103)  bp
Basel III Leverage Ratio (%) NANANANANA
Per Share Information ($)   
Common Shares Outstanding (actual) 15,115,88315,031,0760.5615,112,4320.09
Avg Diluted Shares (actual) 15,241,00014,798,0422.9915,256,623 (0.41)
Basic Book Value per Share14.1713.524.8114.033.99
As-reported Book Value per Share14.1713.524.8114.033.99
Basic Tangible Book Value per Share11.3311.36 (0.26) 11.92 (19.80)
Reported: Tangible Book Value11.3311.36 (0.26) 11.92 (19.80)
Common Dividends Declared per Share0.070.05400.0766.67
EPS after Extra0.170.26 (34.62) 0.23 (104.35)
EPS after Extra Growth (%) (34.6)766.70 (80,129)  bp 155.60 (19,018)  bp
Core EPS0.230.30 (23.33) 0.24 (16.67)
Core EPS Growth (%) (22.8)831.80 (85,459)  bp (8.0) (1,480)  bp
Diluted EPS before Amortization0.180.27 (33.33) 0.24 (100)
Pre-Provision Earnings per Share0.230.29 (20.69) 0.24 (16.67)
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   Q-Q Ch(%)= most recent quarter minus prior quarter annualized e.g. [(Q4-Q3)/Q3]*4

  * Percentages presented for individual quarters are annualized by taking the quarter amount and multiplying by four.



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