CHFC 2017 Annual Report

Consolidated Financial Highlights 2
Letter to Shareholders 3
Executive Officers 6
Board of Directors 6
Form 10-K 7
Table of Contents 8
Forward-Looking Statements 9
Part I 10
Item 1. Business 10
Item 1A. Risk Factors 21
Item 1B. Unresolved Staff Comments 34
Item 2. Properties 34
Item 3. Legal Proceedings 34
Item 4. Mine Safety Disclosures 35
Part II 36
Item 5. Market for Registrant's Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities 36
Item 6. Selected Financial Data 39
Item 7. Management's Discussion and Analysis of Financial Condition and Results of Operations 41
Item 7A. Quantitative and Qualitative Disclosures About Market Risk 82
Item 8. Financial Statements and Supplementary Data 84
Item 9. Changes in and Disagreements with Accountants on Accounting and Financial Disclosure 168
Item 9A. Controls and Procedures 168
Item 9B. Other Information 171
Part III 175
Item 10. Directors, Executive Officers and Corporate Governance 175
Item 11. Executive Compensation 175
Item 12. Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters 176
Item 13. Certain Relationships and Related Transactions and Director Independence 176
Item 14. Principal Accountant Fees and Services 176
Part IV 177
Item 15. Exhibits and Financial Statement Schedules 177
Signatures 180

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