Table of Contents I 182

CHFC 2018 Annual Report

Shareholder Information II
Letter to Shareholders III
Reconciliation of Non-Gaap Measures V
Cautionary Note Regarding Forward-Looking Statements V
Executive Officers VI
Board of Directors VI
Form 10-K VI
Table of Contents 2
Forward-Looking Statements 3
Part I 4
Item 1. Business 4
Item 1A. Risk Factors 18
Item 1B. Unresolved Staff Comments 31
Item 2. Properties 32
Item 3. Legal Proceedings 32
Item 4. Mine Safety Disclosures 33
Part II 34
Item 5. Market for Registrant's Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities 34
Item 6. Selected Financial Data 37
Item 7. Management's Discussion and Analysis of Financial Condition and Results of Operations 39
Item 7A. Quantitative and Qualitative Disclosures About Market Risk 80
Item 8. Financial Statements and Supplementary Data 82
Report of Independent Registered Public Accounting Firm 82
Consolidated Statements of Financial Position 82
Consolidated Statements of Income 84
Consolidated Statements of Comprehensive Income 85
Consolidated Statements of Changes in Shareholders' Equity 86
Consolidated Statements of Cash Flows 87
Notes to the Consolidated Financial Statements 88
Item 9. Changes in and Disagreements with Accountants on Accounting and Financial Disclosure 169
Item 9A. Controls and Procedures 169
Item 9B. Other Information 172
Part III 173
Item 10. Directors, Executive Officers and Corporate Governance 173
Item 11. Executive Compensation 173
Item 12. Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters 174
Item 13. Certain Relationships and Related Transactions and Director Independence 174
Item 14. Principal Accounting Fees and Services 174
Part IV 175
Item 15. Exhibits, Financial Statement Schedules 175
Signatures 178
Consolidated Financial Highlights 180

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