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Financial Highlights

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CHARTER FINANCIAL CORP. (NASDAQ - CHFN)  
Select Period:
 2017 FQ32016 FQ3 2017 FQ2 
Period Ended6/30/20176/30/2016Y-Y Ch (%)3/31/2017 Q-Q Ch (%)
Balance Sheet ($000)   
Total Assets1,480,1221,427,8513.661,484,796 (1.26)
Total Net Loans1,034,137997,5563.671,009,9059.60
Total Deposits1,194,2541,155,2453.381,201,731 (2.49)
Equity Attributable to Parent Company212,080199,8006.15208,4137.04
Total Equity212,080199,8006.15208,4137.04
Profitability (%)   
Net Income ($000) 3,5141,295171.353,31723.76
Net Income Attributable to Parent ($000) 3,5141,295171.353,31723.76
ROAA0.960.3858  bp 0.915  bp
Core ROAA1.001.10 (10)  bp 0.8911  bp
ROAE6.652.61404  bp 6.4025  bp
ROATCE8.013.13488  bp 7.8021  bp
Core ROAE6.967.58 (62)  bp 6.2868  bp
Net Interest Margin3.603.97 (37)  bp 3.528  bp
Reported: Net Interest Margin3.603.97 (37)  bp 3.528  bp
Efficiency Ratio65.1467.03 (189)  bp 66.36 (122)  bp
Noninterest Inc / Operating Rev27.9026.83107  bp 26.9496  bp
Balance Sheet Ratios (%)   
Loans / Deposits87.3386.9043  bp 84.72261  bp
Securities / Assets12.9312.1479  bp 13.15 (22)  bp
Total Equity / Total Assets14.3313.9934  bp 14.0429  bp
Tangible Equity / Tangible Assets12.4311.9746  bp 12.1429  bp
Tang Common Equity / Tang Assets12.4311.9746  bp 12.1429  bp
Asset Quality (%)   
NPAs / Assets0.570.81 (24)  bp 0.58 (1)  bp
NPA Excl Restructured / Assets0.240.46 (22)  bp 0.240  bp
NPAs & 90+ PD / Assets0.590.97 (38)  bp 0.62 (3)  bp
NPAs / Loans & REO0.811.14 (33)  bp 0.85 (4)  bp
Nonaccrual & 90+ & OREO / Assets0.260.62 (36)  bp 0.28 (2)  bp
NPAs & 90+ PD / Loans & REO0.841.36 (52)  bp 0.90 (6)  bp
NPA & Loans 90+ / Tangible Common Equity + LLR4.607.79 (319)  bp 4.95 (35)  bp
NCOs / Avg Loans(0.12)(0.15)3  bp (0.06) (6)  bp
Loan Loss Reserves / Gross Loans1.031.003  bp 1.030  bp
Reserves / NPAs127.1587.593,956  bp 121.59556  bp
Loan Loss Provision / NCONMNMNMNMNM
Capital Adequacy  ()  
Tier 1 Common Capital (CET1) ($000) 181,902166,9948.93178,4967.63
Tier 1 Capital ($000) 188,592166,99412.93185,1527.43
Tier 2 Capital ($000) 10,80010,1186.7410,50511.23
Total Capital ($000) 199,392177,11212.58195,6577.64
Total Risk-weighted Assets ($000) 1,108,9011,111,6251,108,9011,091,0271,108,901
Tier 1 Common Capital (CET1) Ratio (%) 16.4015.02138  bp 16.364  bp
Tier 1 Ratio (%) 17.0115.02199  bp 16.974  bp
Total Capital Ratio (%) 17.9815.93205  bp 17.935  bp
Liquidity Coverage Ratio (%) NANANANANA
Leverage Ratio (%) 13.0812.6048  bp 12.9216  bp
Basel III Leverage Ratio (%) NANANANANA
Per Share Information ($)   
Common Shares Outstanding (actual) 15,112,43215,031,0760.5415,060,6161.38
Avg Diluted Shares (actual) 15,256,62314,841,8142.7915,340,320 (2.18)
Basic Book Value per Share14.0313.295.5713.845.49
As-reported Book Value per Share14.0313.295.5713.845.49
Basic Tangible Book Value per Share11.9211.117.2911.707.52
Reported: Tangible Book Value11.9211.117.2911.707.52
Common Dividends Declared per Share0.070.05200.060
EPS after Extra0.230.09155.560.2218.18
EPS after Extra Growth (%) 155.60(25.0)18,056  bp 57.109,842  bp
Core EPS0.240.26 (7.69) 0.2236.36
Core EPS Growth (%) (8.0)113.50 (12,155)  bp 61.30 (6,928)  bp
Diluted EPS before Amortization0.240.101400.2317.39
Pre-Provision Earnings per Share0.240.2400.2236.36
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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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