Charter financial corp (CHFN)
Balance Sheet / TTM
Jun'18Mar'18Dec'17Sep'17Jun'17Mar'17Dec'16Sep'16Jun'16Mar'16Dec'15Sep'15Jun'15Mar'15Dec'14Sep'14Jun'14Mar'14Dec'13Sep'13Jun'13Mar'13Sep'12
Assets
Cash and amounts due from depository institutions

20,328

22,854

30,039

25,455

25,227

18,823

15,234

14,472

27,254

10,730

14,243

9,921

11,386

10,865

11,132

10,996

6,961

8,597

15,213

10,069

13,602

24,374

13,221

Interest-earning deposits in other financial institutions

150,570

156,546

133,103

126,882

94,916

121,461

116,614

77,376

78,852

68,599

37,638

20,421

28,564

53,698

37,599

88,465

142,307

166,515

142,054

151,382

177,054

217,623

95,606

Cash and cash equivalents

170,898

179,401

163,143

152,338

120,144

140,285

131,848

91,849

106,107

79,330

51,881

30,343

39,950

64,563

48,731

99,462

149,268

175,113

157,267

161,452

190,657

241,997

108,828

Loans held for sale, fair value of $1,998,594 and $1,998,988

1,965

2,895

1,227

1,961

2,029

2,353

3,235

2,941

3,770

-

-

1,406

-

-

-

-

-

-

-

-

-

-

-

Certificates of deposit held at other financial institutions

4,027

5,027

6,028

7,514

7,767

10,511

12,256

14,496

19,969

-

-

0

-

-

-

-

-

-

-

-

-

-

-

Loans held for sale, fair value of $1,253,584 and $1,444,042

-

-

-

-

-

-

-

-

-

1,222

2,285

-

2,092

2,700

2,201

2,054

2,332

1,404

3,576

1,857

3,042

2,445

2,691

Investment securities available for sale

157,232

174,536

180,204

183,789

187,654

191,482

196,278

206,336

169,736

172,197

175,988

184,404

189,790

182,981

191,995

188,743

185,040

201,578

208,064

215,118

226,551

197,369

189,379

Federal Home Loan Bank stock

4,075

4,075

4,054

4,054

3,484

3,484

3,361

3,361

3,361

3,029

3,005

3,515

3,005

3,005

3,442

3,442

3,442

3,442

3,940

3,940

4,435

4,390

5,318

Restricted securities, at cost

279

-

-

279

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Restricted securities, at cost

-

279

279

-

279

279

279

279

279

-

-

0

-

-

-

-

-

-

-

-

-

-

-

Loans receivable

1,164,306

1,163,964

1,163,447

1,161,519

1,044,141

1,019,172

1,002,346

1,005,702

-

-

-

725,673

-

-

-

-

-

-

-

-

-

-

-

Loans receivable

-

-

-

-

-

-

-

-

1,005,154

712,395

690,687

-

-

-

-

617,219

-

-

-

-

-

-

-

Unamortized loan origination fees, net

-1,284

-967

-1,020

-1,165

-1,233

-1,116

-1,211

-1,278

-1,251

-1,145

-1,121

-1,423

-

-

-

-1,382

-1,252

-1,143

-1,089

-1,100

-1,030

-1,130

-1,101

Loans receivable not covered under FDIC loss sharing agreements

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

521,035

491,481

486,050

480,152

452,993

430,851

436,966

Loan receivable covered under FDIC loss sharing agreements, net

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

138,310

176,569

Loan receivable covered under FDIC loss sharing agreements

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

71,883

92,400

103,535

112,915

126,440

-

-

Allowance for loan losses

11,496

11,110

11,113

11,078

10,800

10,504

10,499

10,371

10,117

9,850

9,695

9,488

-

-

-

9,470

-

-

-

-

-

8,545

-

Loans receivable, net

1,151,525

1,151,885

1,151,313

1,149,276

1,032,107

1,007,551

990,635

994,052

993,785

701,399

679,870

714,761

672,830

656,212

627,739

606,366

582,402

572,040

576,566

579,854

564,293

552,534

593,903

Other real estate owned

227

302

1,244

1,437

1,937

1,957

2,160

2,706

3,180

2,711

3,164

3,410

-

-

-

7,315

-

-

-

-

-

-

-

Other real estate owned, not covered under FDIC loss sharing agreements

-

-

-

-

-

-

-

-

-

-

-

-

938

1,144

953

-

1,331

849

1,053

1,615

1,385

1,240

2,106

Other real estate owned, covered under FDIC loss sharing agreements

-

-

-

-

-

-

-

-

-

-

-

-

2,350

3,343

4,554

-

8,014

9,894

10,942

14,068

13,160

17,012

21,903

Accrued interest and dividends receivable

4,354

4,321

4,632

4,197

3,574

3,502

3,579

3,442

3,410

2,611

2,495

2,668

2,579

2,594

2,498

2,459

2,424

2,477

2,584

2,728

2,951

3,152

3,241

Premises and equipment, net

28,857

29,125

29,312

29,578

28,363

28,397

28,291

28,078

28,282

20,446

19,455

19,660

19,905

20,092

20,316

20,571

20,739

21,185

21,532

21,750

21,990

22,088

23,610

Goodwill

39,347

39,347

39,347

39,347

29,793

29,793

29,793

29,793

29,989

4,325

4,325

4,325

4,325

4,325

4,325

4,325

4,325

4,325

4,325

4,325

4,325

4,325

4,325

Other intangible assets, net of amortization

3,064

3,233

3,424

3,614

2,218

2,336

2,485

2,639

2,797

72

108

157

492

450

452

423

503

597

697

803

915

1,031

1,280

Cash surrender value of life insurance

54,546

54,207

53,838

53,516

50,153

49,848

49,601

49,268

48,936

48,989

48,744

48,423

48,102

47,781

47,502

47,178

46,851

46,572

46,233

39,825

39,526

34,314

33,831

FDIC receivable for loss sharing agreements

-

-

-

-

-

-

-

-

-

-

-

-

4,473

6,749

8,924

10,531

14,921

19,391

-

29,941

-

-

-

FDIC receivable for loss sharing agreements

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

25,332

-

41,441

45,875

35,135

Deferred income taxes

3,876

3,771

3,366

5,970

5,651

5,834

5,849

4,366

5,399

5,861

6,218

5,674

7,753

7,500

7,854

8,231

10,750

11,325

11,671

11,350

9,719

6,528

6,176

Other assets

1,555

1,505

2,254

3,282

4,960

7,178

2,009

4,775

8,843

9,085

7,336

8,329

6,343

7,199

8,285

9,254

7,888

7,671

6,122

771

967

1,118

487

Total assets

1,625,835

1,653,915

1,643,672

1,640,158

1,480,121

1,484,796

1,461,666

1,438,389

1,427,850

1,051,281

1,004,879

1,027,079

1,004,936

1,010,644

979,777

1,010,361

1,040,237

1,077,870

1,079,910

1,089,405

1,125,362

1,135,424

1,032,220

Liabilities and Stockholders Equity
Liabilities:
Deposits

1,317,738

1,349,260

1,343,997

1,339,143

1,194,253

1,201,731

1,186,346

1,161,843

1,155,245

791,692

744,233

738,855

734,237

736,802

701,475

717,192

729,608

742,063

737,654

751,296

769,780

918,988

800,261

Short-term borrowings

5,010

3,007

3,009

0

-

-

-

-

-

-

-

37,000

-

-

-

-

-

-

-

-

-

-

-

Long-term borrowings

55,000

57,007

57,009

60,023

50,000

50,000

50,000

50,000

-

-

-

25,000

-

-

-

-

-

-

-

-

-

-

-

Federal Home Loan Bank advances

-

-

-

-

-

-

-

-

50,000

50,000

50,000

-

50,000

50,000

55,000

55,000

55,000

55,000

60,000

60,000

70,000

70,000

-

Floating rate junior subordinated debt

6,827

6,793

6,758

6,724

6,690

6,656

6,621

6,587

6,553

-

-

0

-

-

-

-

-

-

-

-

-

-

-

FHLB advances

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

81,000

Advance payments by borrowers for taxes and insurance

2,366

1,904

1,279

2,956

2,392

1,809

1,211

2,298

1,925

1,270

790

1,745

1,503

1,161

644

1,312

931

862

414

1,054

684

428

651

Other liabilities

14,485

14,354

13,430

17,112

14,704

16,186

11,986

14,510

14,326

10,288

11,487

19,547

10,275

11,434

9,472

11,901

11,282

9,678

8,678

3,277

5,766

1,325

7,786

Total liabilities

1,401,428

1,432,328

1,425,485

1,425,960

1,268,041

1,276,383

1,256,166

1,235,239

1,228,051

853,250

806,512

822,148

796,016

799,399

766,591

785,406

796,823

807,605

806,746

815,628

846,231

990,743

889,699

Stockholders equity:
Common stock, $0.01 par value; 15,262,472 shares issued and outstanding at June 30, 2018 and 15,115,883 shares issued and outstanding at September 30, 2017

152

151

151

151

151

150

150

150

150

150

152

160

164

166

169

182

199

226

229

227

227

198

198

Preferred stock, $0.01 par value; 50,000,000 shares authorized at June 30, 2018 and September 30, 2017

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

Additional paid-in capital

86,569

86,807

86,384

85,651

85,339

84,609

84,182

83,651

83,370

83,084

85,546

95,355

99,755

102,621

105,789

119,586

138,090

166,743

170,699

171,729

172,310

73,593

73,483

Treasury stock, at cost; 0 shares at September 30, 2013 and 2,032,098 shares at September 30, 2012

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

592

40,526

39,362

Unearned compensation ESOP

4,192

4,192

4,192

4,673

4,673

4,673

4,673

5,106

5,106

5,106

5,106

5,551

5,551

5,551

5,551

5,984

5,984

5,984

5,984

6,480

6,480

3,391

3,571

Retained earnings

145,268

141,832

137,525

134,207

132,654

130,072

127,615

123,349

120,248

119,662

118,228

114,362

114,576

113,442

112,800

111,924

111,784

111,069

110,680

110,141

115,808

115,287

111,568

Accumulated other comprehensive loss

-3,391

-3,011

-1,681

-1,137

-1,390

-1,745

-1,773

1,103

1,137

239

-453

604

-25

565

-22

-754

-675

-1,789

-2,461

-1,839

-2,141

-480

203

Total stockholders equity

224,406

221,586

218,186

214,198

212,080

208,413

205,500

203,149

199,799

198,030

198,367

204,930

208,919

211,245

213,185

224,954

243,414

270,264

273,164

273,777

279,130

144,681

142,520

Commitments and contingencies

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

-

Total liabilities and stockholders equity

1,625,835

1,653,915

1,643,672

1,640,158

1,480,121

1,484,796

1,461,666

1,438,389

1,427,850

1,051,281

1,004,879

1,027,079

1,004,936

1,010,644

979,777

1,010,361

1,040,237

1,077,870

1,079,910

1,089,405

1,125,362

1,135,424

1,032,220