Charter Financial Corp./GA serves as the holding company for CharterBank (the Bank). The Bank operates a main office, seven branch offices and four loan production offices in Georgia and Alabama. It provides retail and small business customers with products and services designed to create a long-term, profitable relationship. The Bank offers numerous loan products, including residential mortgage loans, commercial real estate loans, commercial loans, home equity loans, second mortgages and other products. It also offers deposit products, including consumer and commercial checking accounts, savings accounts, money market accounts and certificates of deposit (CDs). In February 2003, the Company acquired EBA Bancshares, Inc. and its Eagle Bank of Alabama subsidiary.