Vitals
  • Total Assets
    1.5B 45.7 %
  • Total Deposits
    1.2B 56.9 %
  • Total Net Loans
    994.8M 45.5 %
  • Net Income
    13.9M 37.9 %
  • Book Value
    195.5M 10.6 %
  • Book Value x2
    390.9M 10.6 %
  • Book Value x3
    586.4M 10.6 %
ROAA

.975

ROAE

7.237

Efficiency Ratio

68.576

Net Interest Margin

3.58

Balance Sheet Highlights
Financial Highlights Charterbank All Insured Savings Banks in Georgia
Balance Sheet $(000)
Total Assets 1,463,342 307,758
Total Net Loans 994,845 216,571
Total Deposits 1,210,373 252,178
Total Equity 195,454 38,396
Profitability
Net Income 13,922 2,926
Return on Average Assets .975 .728
Return on Average Equity 7.237 6.766
Net Interest Margin 3.58 3.974
Efficiency Ratio 68.576 81.825
Noninterest Income/Revenue 27.715 35.999
Balance Sheet Ratios
Loan-to-Deposit 82.193 88.337
Securities/Assets .134 .129
Total Equity/Total Assets .134 .125
Tangible Equity/Tangible Assets .111 .116
Capital Adequacy
Tier 1 Common Capital 165,942 36,180
Tier 1 Capital 165,942 36,180
Tier 2 Capital 10,499 2,309
Total Capital 176,441 38,490
Total Risk Weighted Assets 1,109,174 211,263
Leverage Ratio 11.7 12.979
Common Equity Tier 1 Capital Ratio 14.96 22.198
Tier 1 Capital Ratio 14.96 22.198
Total Capital Ratio 15.91 23.256

Timeline for Charterbank

Community Bank Of The South

Acquisition: Charterbank acquired a new subsidiary, Community Bank Of The South, 8 years

View Profile Apr 16 2016

The First National Bank Of Florida

Acquisition: Charterbank acquired a new subsidiary, The First National Bank Of Florida, 12 years

View Profile Sep 10 2011

Mcintosh Commercial Bank

Acquisition: Charterbank acquired a new subsidiary, Mcintosh Commercial Bank, 14 years

View Profile Mar 27 2010

Neighborhood Community Bank

Acquisition: Charterbank acquired a new subsidiary, Neighborhood Community Bank, 14 years

View Profile Jun 27 2009

Eagle Bank Of Alabama

Acquisition: Charterbank acquired a new subsidiary, Eagle Bank Of Alabama, 21 years

View Profile Feb 22 2003

Want to see more?

Complete timeline for Charterbank is available.

View Complete Timeline
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Community Bank Of The South Seller 377,543 Acquisition Discontinued 4/16/2016
The First National Bank Of Florida Seller 296,841 Failure 9/10/2011
Mcintosh Commercial Bank Seller 363,405 Failure 3/27/2010
Neighborhood Community Bank Seller 212,616 Failure 6/27/2009
Eagle Bank Of Alabama Seller 74,460 Discontinued 2/22/2003
Citizens National Bank Seller 42,537 Discontinued 8/19/1999
Relationships Role Relationship Start Relationship End
Charter Financial Corporation Parent 4/9/2013
Charter Financial Corporation Parent 7/21/2011 4/8/2013
Charter Financial Corporation Parent 10/16/2001 7/20/2011
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