CHFN

Charter Financial Corp.

NASDAQ

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CHFN

Charter Financial Corp.

NASDAQ

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56Chevy

09/29/14 7:44 AM

Post #9

Re: #6: @56Chevy - Stockholders’ Equity.

The outlook for our market area is for modest growth supported by a $1.0 billion KIA Motors assembly plant, which opened in February 2010 in West Point, Georgia. As of November 2012, the 2.2 million square-foot automobile manufacturing plant and its nearby suppliers have created more than 12,000 jobs in the area. The outlook for modest growth is also supported by a military base realignment which has added significantly to employment at Fort Benning in Columbus, Georgia. Additionally, in the spring of 2012, Point University, formerly known as Atlanta Christian College, moved their main campus from East Point, Georgia to West Point, Georgia, and with it, its students and numerous facility and staff. However, the market area is significantly overbanked, especially Newnan and Coweta County. This has limited our ability to expand organically, thus making growth more dependent upon acquisitions and de novo branching into new markets. We will seek to take advantage of the profitable growth opportunities presented within our expanded market area, and capitalize on our expanded retail footprint resulting from acquisitions. The economy of the Florida Panhandle is primarily dependent upon tourism and hospitality, farming, forestry, paper mills, import/export shipping, shipbuilding, and commercial fishing. Over the next five years, our Florida markets are projected to experience moderate growth in terms of total population and number of households. The outlook for our Florida Panhandle market is affected by the heavy influences of military bases and tourism.

http://www.snl.com/irweblinkx/FinancialDocs.aspx?iid=4065088

Marker:
Charter Financial (CHFN)
$11.01 up 0.08 (0.73%)
Volume: 0

56Chevy

09/28/14 2:34 AM

Post #8

Re: #7: @56Chevy - Current Report Filing (8-k)

CHFN = Mutual Bank "conversion"

Note 1: Nature of Operations

On April 8, 2013, Charter Financial Corporation, a Maryland corporation (“Charter Financial” or the “Company”), completed its conversion and reorganization pursuant to which First Charter, MHC, our federally chartered mutual holding company, was converted to the stock holding company form of organization. Charter Financial sold 14,289,429 shares of common stock at $10.00 per share, for gross offering proceeds of $142.9 million in its stock offering. CharterBank (the “Bank”), as of April 8, 2013, is 100% owned by Charter Financial and Charter Financial is 100% owned by public stockholders. Concurrent with the completion of the offering, shares of common stock of Charter Financial Corporation, the former federally chartered corporation (“Charter Federal”), were converted into the right to receive 1.2471 shares of Charter Financial’s common stock for each share of Charter Federal common stock that was owned immediately prior to completion of the transaction. As of April 8, 2013, Charter Federal and First Charter, MHC ceased to exist. As part of the elimination, the net asset position of First Charter, MHC, in the amount of $229,564 , was assumed by Charter Financial. Any reference to the Company following April 8, 2013 refers to Charter Financial Corporation, a Maryland corporation. In regards to weighted average shares outstanding, share and per share amounts held by the public prior to April 8, 2013, have been restated to reflect the completion of the second-step conversion at a conversion ratio of 1.2471 unless noted otherwise.

http://ih.advfn.com/p.php?pid=nmona&article=63229071

56Chevy

09/28/14 1:37 AM

Post #7

Re: #6: @56Chevy - Stockholders’ Equity.

Current Report Filing (8-k)

Date : 09/23/2014

Item 8.01. Other Events

On September 18, 2014, the Board of Directors of Charter Financial Corporation (the “Company”) adopted a new stock repurchase program. Under the repurchase program, the Company may repurchase up to 1,825,000 shares of its common stock, or approximately 10% of the current outstanding shares. The Company also announced that it completed its previous stock repurchase program adopted on June 19, 2014. A copy of the press release announcing the new stock repurchase program and the completion of the previous stock repurchase program is included as Exhibit 99.1 to this report and is incorporated herein by reference.

http://ih.advfn.com/p.php?pid=nmona&article=63784110

*Value found.

56Chevy

09/28/14 1:27 AM

Post #6

Stockholders’ Equity.

At June 30, 2014 , total stockholders’ equity totaled $243.4 million , or $12.20 per net share, a $30.4 million decline from September 30, 2013 due to shares repurchased and cash dividends paid, offset by net income and a decrease in accumulated other comprehensive loss. In addition, tangible book value increased from $11.81 per share at September 30, 2013 to $11.95 per share at June 30, 2014 . The per share increases were primarily due to a decrease of $34.5 million in stockholders equity related to the stock repurchase of 3,152,994 shares in conjunction with the stock repurchase programs initiated in the first and third quarters of fiscal 2014.

BV is : $12.20

Tangible BV is: $11.95

MV is: $11.01

P/B is: 0.9025

Source:
Quarterly Report (10-q) Date : 08/12/2014

http://ih.advfn.com/p.php?pid=nmona&article=63229071

*Mr. Market is selling CHFN at a 10% discount to book.

Marker:
Charter Financial (CHFN)
$11.01 up 0.08 (0.73%)
Volume: 63,479

Penny Roger$ Free

04/27/12 5:20 AM

Post #5

Penny Roger$ Free

04/27/12 5:19 AM

Post #4

~ Friday! $CHFN ~ Q1 Earnings posted, pending or coming soon! In Charts and Links Below!

~ $CHFN ~ Earnings expected on Friday *
Want more like this? Search Keyword: MACMONEY >>> http://tinyurl.com/MACMONEY <<<
One or more of many earnings sites has alerted this security has or will be posting earnings on or around the day of this message.

http://stockcharts.com/h-sc/ui?s=CHFN&p=D&b=3&g=0&id=p88783918276&a=237480049

http://stockcharts.com/h-sc/ui?s=CHFN&p=W&b=3&g=0&id=p54550695994

~ Google Finance: http://www.google.com/finance?q=CHFN
~ Google Fin Options: hhttp://www.google.com/finance/option_chain?q=CHFN#
~ Yahoo! Finance ~ Stats: http://finance.yahoo.com/q/ks?s=CHFN+Key+Statistics
~ Yahoo! Finance ~ Profile: http://finance.yahoo.com/q/pr?s=CHFN
Finviz: http://finviz.com/quote.ashx?t=CHFN
~ BusyStock: http://busystock.com/i.php?s=CHFN&v=2

<<<<<< http://www.earningswhispers.com/stocks.asp?symbol=CHFN >>>>>>

http://investorshub.advfn.com/boards/post_prvt.aspx?user=251916

*If the earnings date is in error please ignore error. I do my best.

Penny Roger$ Free

02/02/12 1:55 AM

Post #3

~ $CHFN ~ Earnings posted, pending or coming soon! In Charts and Links Below!

~ $CHFN ~ Earnings expected on Tuesday *
This Week In Earnings: Earnings are coming or are already posted! This is what the charts look like! If you play the earnings these posts can be very helpful to you!
Want more like this? Search Keyword: MACMONEY >>> http://tinyurl.com/MACMONEY <<<
One or more of many earnings sites has alerted this security has or will be posting earnings on or around the day of this message.

http://stockcharts.com/h-sc/ui?s=CHFN&p=D&b=3&g=0&id=p88783918276&a=237480049

http://stockcharts.com/h-sc/ui?s=CHFN&p=W&b=3&g=0&id=p54550695994

~ Barchart: http://barchart.com/quotes/stocks/CHFN?
~ OTC Markets: http://www.otcmarkets.com/stock/CHFN/company-info
~ Google Finance: http://www.google.com/finance?q=CHFN
~ Google Fin Options: hhttp://www.google.com/finance/option_chain?q=CHFN#
~ Yahoo! Finance ~ Stats: http://finance.yahoo.com/q/ks?s=CHFN+Key+Statistics
~ Yahoo! Finance ~ Profile: http://finance.yahoo.com/q/pr?s=CHFN
Finviz: http://finviz.com/quote.ashx?t=CHFN
~ BusyStock: http://busystock.com/i.php?s=CHFN&v=2
~ CandlestickChart: http://www.candlestickchart.com/cgi/chart.cgi?symbol=CHFN&exchange=US
~ Investorshub Trades: http://ih.advfn.com/p.php?pid=trades&symbol=CHFN
~ Investorshub Board Search: http://investorshub.advfn.com/boards/getboards.aspx?searchstr=CHFN
~ Investorshub PostStream Search: http://investorshub.advfn.com/boards/poststream.aspx?ticker=CHFN
~ Investorshub Goodies Search: http://investorshub.advfn.com/boards/msgsearchbyboard.aspx?boardID=18582&srchyr=2011&SearchStr=CHFN
~ Investorshub Message Search: http://investorshub.advfn.com/boards/msgsearch.aspx?SearchStr=CHFN
~ MarketWatch: http://www.marketwatch.com/investing/stock/CHFN/profile
~ E-Zone Chart: http://www.windchart.com/ezone/signals/?symbol=CHFN
~ 5-Min Wind: http://www.windchart.com/stockta/analysis?symbol=CHFN
~ 10-Min Wind: http://www.windchart.com/stockta/analysis?symbol=CHFN&size=l&frequency=10&color=g
~ 30-Min Wind: http://www.windchart.com/stockta/analysis?symbol=CHFN&size=l&frequency=30&color=g
~ 60-Min Wind: http://www.windchart.com/stockta/analysis?symbol=CHFN&size=l&frequency=60&color=g

http://investorshub.advfn.com/boards/post_prvt.aspx?user=251916

*If the earnings date is in error please ignore error. I do my best.

di4

05/26/09 8:57 PM

Post #2

Charter Financial Declares Quarterly Cash Dividend
May 26, 2009 5:42:00 PM

Email Story Discuss on ZenoBank

View Additional ProfilesWEST POINT, Ga., May 26 /PRNewswire-FirstCall/ -- Charter Financial Corporation (OTC Bulletin Board: CHFN) today announced that its board of directors has declared a quarterly cash dividend of 25 cents per share. The dividend is payable on June 29, 2009, to stockholders of record on June 19, 2009. This equates to an annualized dividend rate of $1.00 per share.

Charter Financial Corporation is a savings and loan holding company and the parent of CharterBank, a full-service community bank and a federal savings institution. CharterBank is headquartered in West Point, Georgia, and operates ten branches on the I-85 corridor from LaGrange, Georgia, to Auburn, Alabama. The Company also operates three loan production offices in Georgia. CharterBank's deposits are insured by the Federal Deposit Insurance Corporation. Additional information, including financial highlights, is available on the company's website, www.charterbank.net. Persons interested in receiving e-mail notifications of news about the company may do so by completing the registration form on the investor relations page of the company's website.

SOURCE Charter Financial Corporation

----------------------------------------------
Robert L. Johnson
President & CEO
bjohnson@charterbank.net
or Curtis R. Kollar
Chief Financial Officer
ckollar@charterbank.net
both of Charter Financial Corporation
+1-706-645-1391; or Woody Wallace of The Investor Relations Company
+1-312-245-2700
wwallace@tirc.com
for Charter Financial Corporation

di4

05/11/09 10:24 AM

Post #1

Charter Financial Reports Fiscal Second Quarter Earnings
May 11, 2009 9:52:00 AM

Email Story Discuss on ZenoBank

View Additional Profiles- Net Income $473,000

- Core Capital 10.78%

- $2.2 Million Provision for Loan Losses

- Gain on Sale of Property of $ 1.7 million

WEST POINT, Georgia, May 11 /PRNewswire-FirstCall/ -- Charter Financial Corporation (OTC Bulletin Board: CHFN) today reported second quarter fiscal 2009 net income of $473,000, or $0.03 per share, compared with $3.9 million, or $0.20 per share, for same quarter of the prior year. Net income for the six months ended March 31, 2009 was $1.4 million or $0.08 per share compared with $5.9 million or $0.31 per share for the comparable period in the prior year.

Net income for the quarter was impacted by a provision for loan losses of $2.2 million and a gain on the sale of land acquired for a branch site of $1.7 million. Net interest income for the quarter was lower than the comparable period of the prior year by $1.3 million. This decrease was due to our receiving no dividends on Freddie Mac securities over the quarter, as opposed to dividends of $829,000 paid to us in the comparable period of 2008, and our maintaining higher levels of liquidity in the form of low yielding overnight funds in the current quarter, combined with higher levels of nonperforming assets in the second quarter of 2009 compared to the second quarter of 2008. The prior year quarter also included a gain on the sale of Freddie Mac stock of $1.3 million and income from covered calls of $2.0 million.

"We continue to monitor our asset quality closely and believe that our loan loss reserves are adequate", said Robert L. Johnson, President and CEO. "Less than 15% of our assets are 1-4 family acquisition, development or construction loans. Our loan loss provision after the current quarter provision is 1.99% of loans. Capital is strong, with CharterBank's ratio of core capital to assets equaling 10.78%, more than double the well capitalized requirement of 5%."

Discussing the company's outlook, Johnson said: "We continue to anticipate a significant boost to the economy in our market area over the next several years from the new KIA Motors Corporation assembly plant to be located on Interstate 85 between West Point and LaGrange which is in the middle of our market focusing on the I-85 corridor."

"The plant is tentatively scheduled to produce the first cars for sale in December 2009. Kia and its suppliers have announced intentions to employ approximately 4,300 in West Point, Georgia and several thousand more in surrounding communities. As a leading community bank in the area, we expect to see accelerated growth in our retail banking business."

"We continue to make progress in building our retail franchise. Net loans receivable climbed to a record $449.0 million, which is up $8.6 million from December 31, 2008 and up $35.0 million from March 31, 2008," concluded Johnson. Total assets were $797.3 million and total deposits were $433.9 million.

Additional financial information is available at www.charterbank.net.

Charter Financial Corporation is a savings and loan holding company and the parent company of CharterBank, a full-service community bank and a federal savings institution. Charter Financial Corporation and CharterBank are in a mutual holding company structure. CharterBank is headquartered in West Point, Georgia, and operates ten branches on the I-85 corridor from LaGrange, Georgia to Auburn, Alabama. CharterBank's deposits are insured by the Federal Deposit Insurance Corporation.

Forward-Looking Statements

This release may contain "forward-looking statements" that may be identified by use of such words as "believe," "expect," "anticipate," "should," "planned," "estimated," and "potential." Examples of forward-looking statements include, but are not limited to, estimates with respect to our financial condition and results of operation and business that are subject to various factors that could cause actual results to differ materially from these estimates. These factors include but are not limited to general and local economic conditions; changes in interest rates, deposit flows, demand for mortgages and other loans, real estate values, and competition; changes in accounting principles, policies, or guidelines; changes in legislation or regulation; and other economic, competitive, governmental, regulatory, and technological factors affecting our operations, pricing, products, and services. Any or all forward-looking statements in this release and in any other public statements we make may turn out to be wrong. They can be affected by inaccurate assumptions we might make or known or unknown risks and uncertainties. Consequently, no forward-looking statements can be guaranteed. The Company disclaims any obligation to subsequently revise or update any forward-looking statements to reflect events or circumstances after the date of such statements or to reflect the occurrence of anticipated or unanticipated events.

FINANCIAL TABLES FOLLOW

Charter Financial Corporation

Selected Financial Data (in thousands except share and per share data):

March 31, December 31, September 30, March 31,
2009 2008 2008 2008
Unaudited

Total Assets $797,328 $813,933 $801,501 $905,426
Loans Receivable, Net 449,036 440,476 428,472 414,076
Mortgage Securities
Available for Sale 230,723 234,982 242,848 270,952
Freddie Mac Common Stock - - - 83,999
Other Investment Securities 4,893 34,253 34,291 36,548
Core Deposits* 178,257 166,452 169,499 188,397
Retail Deposits** 339,911 329,585 356,237 390,284
Total Deposits 433,915 432,909 420,175 453,102
Borrowings 257,000 273,000 267,000 257,000
Realized Stockholders'
Equity*** 108,520 108,909 109,152 110,474
Accumulated Other
Comprehensive Income**** (4,407) (5,171) (6,850) 47,413

Total Stockholders' Equity 104,113 103,738 102,302 157,887

Book Value per Share $5.64 $5.60 $5.50 $8.30
Tangible Book Value
per Share 5.35 5.31 5.21 8.01

Minority Shares Outstanding 2,606,559 2,669,836 2,754,536 3,564,622
Total Shares Outstanding 18,464,483 18,527,760 18,612,460 19,028,280
Weighted Average
Total Shares
Outstanding - Basic 18,522,909 18,569,009 19,022,259 19,018,570
Weighted Average
Total Shares
Outstanding - Diluted 18,522,909 18,569,009 19,082,960 19,086,069

* Core Deposits includes transaction accounts, money market accounts,
and savings accounts.
** Retail Deposits includes Core Deposits, and certificates of deposits
excluding brokered and wholesale.
***Includes Total Stockholders' Equity less Accumulated Other
Comprehensive Income.
****Includes unrealized gains and losses on Freddie Mac common stock and
other investment securities adjusted for income taxes at a tax rate of
38.6%.

Charter Financial Corporation

Selected Operating Data (in thousands except share and per share data):

Three months ended Six months ended
March 31, December 31, March 31,
2009 2008 2008 2009 2008
Unaudited

Total Interest Income $9,241 $11,942 $9,989 $19,229 $24,631
Total Interest Expense 5,394 6,812 5,942 11,336 14,109
Net Interest Income 3,847 5,130 4,047 7,893 10,522
Provision for Loan Losses 2,200 150 350 2,550 150
Net Interest Income after
Provision for Loan Losses 1,647 4,980 3,697 5,343 10,372
Noninterest Income 3,599 5,173 2,295 5,894 7,938
Noninterest Expense 4,705 4,828 4,684 9,389 10,197
Income before Income Taxes 541 5,325 1,308 1,848 8,113
Income Tax Expense 68 1,451 351 419 2,219
Net Income $473 $3,874 $957 $1,429 $5,894

Earnings per Share - Basic $0.03 $0.20 $0.05 $0.08 $0.31
Earnings per Share - Diluted 0.03 0.20 0.05 0.08 0.31
Cash Dividends per Share 0.25 0.50 0.25 0.50 1.00

Net Charge-offs (Recoveries) 1,434 285 225 1,659 803
Deposit Fees 1,044 1,248 1,206 2,250 2,559
Gain on Sale of Loans 184 170 129 312 430
Gain on Sale of Freddie Mac
Common Stock - 1,302 - - 2,649
Gain on Covered Calls
Related to Freddie Mac
Common Stock - 1,993 - - 1,478

Three months ended Six months ended
March 31, December 31, March 31,
2009 2008 2008 2009 2008
Unaudited

Return on Equity 1.78% 9.24% 3.71% 2.73% 6.30%
Return on Assets 0.23 1.70 0.48 0.36 1.25
Net Interest Margin 2.08 2.40 2.21 2.15 2.37
Loan Loss Reserve as a
% of Total Loans 1.99 1.28 1.86 1.99 1.28
Loan Loss Reserve as a
% of Nonperforming Assets 43.17 58.04 61.70 43.17 58.04
Nonperforming Assets as a % of
Total Loans and REO 4.56 2.19 3.00 4.56 2.19
Net Chargeoffs as a % of
Average Loans 1.26 0.27 0.05 0.74 0.39
Nonperforming Assets
to Total Assets 2.65 1.02 1.67 2.65 1.02
Bank Core Capital Ratio 10.78 9.67 10.45 10.78 9.67
Dividend Payout Ratio 141.24 41.11 69.76 93.39 79.10
Effective Tax Rate 12.65 27.25 26.82 22.67 27.36

SOURCE Charter Financial Corporation

----------------------------------------------
Robert L. Johnson
President & CEO
bjohnson@charterbank.net
or Curt Kollar
CFO
ckollar@charterbank.net
+1-706-645-1391
both of Charter Financial Corporation; Woody Wallace of The Investor Relations Company
+1-312-245-2700
wwallace@tirc.com
for Charter Financial Corporation

Charter Financial Corp. (CHFN)

Followers	1	Posters	3
Posts (Today)	0	Posts (Total)	9
Created	10/18/08	Type	Free
Moderators

Corporate Profile

Charter Financial Corporation is the parent company of CharterBank, a full-service community bank and a federal saving institution operating fifteen branches in west Georgia, east Alabama and west Florida.

Charter Financial Corporation is a publicly traded company traded on the NASDAQ exchange under the ticker symbol CHFN

Headquarters

Charter Financial Corporation and CharterBank are headquartered in West Point, Georgia.
Our corporate headquarters are located at 1233 O.G Skinner Drive.

FDIC Certificate Number 30720

link to FFIEC reports

https://cdr.ffiec.gov/Public/ViewFacsimileDirect.aspx?ds=call&idType=fdiccert&id=30720&date=06302014