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Financial Highlights

CHARTER FINANCIAL CORP. (NASDAQ - CHFN)

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Trend Analysis--Quarterly (click here for Annual Analysis)

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Balance Sheet ($000)
	2013 Q2	2012 Q2	Y-Y Ch (%)	2013 Q1	Q-Q Ch (%)^†
Loans Held for Investment, before Reserves	568,031	655,702	(13.37)	592,980	(16.83)
Loans Held for Sale, before Reserves	2,446	1,232	98.54	4,923	(201.26)
Loan Loss Reserve	15,497	16,652	(6.94)	17,341	(42.54)
Net Loans Receivable	554,980	640,282	(13.32)	580,562	(17.63)
Intangible Assets	5,357	5,879	(8.88)	5,478	(8.84)
Total Assets	1,135,425	1,070,821	6.03	1,034,074	39.20
Deposits	918,989	845,508	8.69	806,118	56.01
Debt, Senior and Subordinated	70,000	80,000	(12.50)	80,000	(50.00)
Common Equity	144,682	137,124	5.51	143,989	1.93
Total Shareholders' Equity	144,682	137,124	5.51	143,989	1.93
Shares Outstanding (actual)	22,722,486	22,786,472	(0.28)	22,722,486	0.00

Income Statement ($000)
	2013 Q2	2012 Q2	Y-Y Ch (%)	2013 Q1	Q-Q Ch (%)^†
Net Interest Income	9,104	9,791	(7.02)	8,997	4.76
Provision for Loan Losses	258	590	(56.27)	395	(138.73)
Noninterest Income	2,977	2,807	6.06	2,991	(1.87)
Noninterest Expense	9,757	9,951	(1.95)	8,325	68.80
Net Income Before Taxes	2,067	1,809	14.26	3,489	(163.03)
Provision for Taxes	682	548	24.45	1,154	(163.60)
Net Income	1,384	1,261	9.75	2,334	(162.81)

Per Share Items ($)
	2013 Q2	2012 Q2	Y-Y Ch (%)	2013 Q1	Q-Q Ch (%)^†
Book Value per Share	6.37	6.02	5.81	6.34	1.93
Tangible Book Value	6.13	5.76	6.46	6.10	2.35
Diluted EPS Before Extra	0.06	0.05	16.67	0.10	(166.67)
Diluted EPS After Extra	0.06	0.05	16.67	0.10	(166.67)
Dividends Declared	0.0000	0.0000	0.00	0.0000	0.00

Performance Ratios (%)
	2013 Q2	2012 Q2	Y-Y Ch (bp)	2013 Q1	Q-Q Ch (bp)
ROAA	0.54	0.46	8	0.92	(38)
ROAE	3.83	3.68	15	6.51	(268)
Net Interest Margin	4.14	4.35	(21)	4.13	1
Loans / Deposits	61.81	77.55	(1,574)	73.56	(1,175)
Efficiency Ratio	69.89	72.96	(306)	69.98	(8)

Balance Sheet Ratios (%)
	2013 Q2	2012 Q2	Y-Y Ch (bp)	2013 Q1	Q-Q Ch (bp)
Tangible Equity/ Tangible Assets	12.33	12.32	0	13.47	(114)
Equity/ Assets	12.74	12.81	(6)	13.92	(118)
Asset Quality Ratios (%)
	2013 Q2	2012 Q2	Y-Y Ch (bp)	2013 Q1	Q-Q Ch (bp)
Nonperforming Assets/ Assets	1.56	2.30	(74)	1.77	(21)
Loan Loss Reserves/ Gross Loans	2.72	2.53	18	2.90	(18)
Loan Loss Reserves/ NPAs	87.35	67.48	1,987	94.53	(719)
Net Charge-offs/ Avg Loans	0.13	0.54	(41)	0.10	3

Regulatory Capital Ratios (%)
	2013 Q2	2012 Q2	Y-Y Ch (bp)	2013 Q1	Q-Q Ch (bp)
Tier 1 Capital Ratio	21.80	21.47	33	18.81	299

^† 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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