City Holding Company (CHCO)

City Holding Company Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Mar 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	243.31	241.52	212.69	146.54	136.68	150.5
Interest Income on Investments	66.94	64.91	58.57	43.15	28.79	27.76
Total Interest Income	310.25	306.43	271.26	189.69	165.47	178.26
Interest Paid on Deposits	67.28	64.53	37.29	7.44	9.41	22.52
Interest Paid on Borrowings	21.34	21.66	14.74	2.21	0.49	1.09
Total Interest Expense	88.62	86.19	52.02	9.66	9.89	23.62
Net Interest Income	221.63	220.24	219.24	180.03	155.57	154.64
Net Interest Income Growth (YoY)	0.64%	0.45%	21.78%	15.72%	0.60%	-4.16%
Trust Income	11.53	11.26	9.56	8.8	8.42	7.74
Gain (Loss) on Sale of Investments	-2.5	-2.65	-4.48	-1.58	0.82	17.04
Other Non-Interest Income	65.09	64.73	65.54	64.86	60.41	57.91
Total Non-Interest Income	74.12	73.33	70.63	72.08	69.64	82.68
Non-Interest Income Growth (YoY)	6.05%	3.83%	-2.01%	3.50%	-15.77%	20.72%
Revenues Before Loan Losses	295.75	293.57	289.87	252.11	225.21	237.32
Provision for Loan Losses	2	1.82	3.24	0.47	-3.17	10.72
Revenue	293.75	291.75	286.63	251.64	228.38	226.6
Revenue Growth (YoY)	1.31%	1.79%	13.91%	10.18%	0.78%	-1.95%
Salaries and Employee Benefits	72.17	71.86	68.87	62.58	57.83	58.12
Occupancy Expenses	0.13	-	-	-	-	-
Federal Deposit Insurance	2.96	2.89	2.92	1.67	1.58	0.88
Selling, General & Administrative	40.78	40.13	37.78	37.31	36.69	34.83
Other Non-Interest Expense	32.98	32.11	28.77	22.41	21.14	21.22
Total Non-Interest Expense	148.97	147.24	138.37	124.03	117.19	115.29
EBT Excluding Unusual Items	144.78	144.52	148.26	127.6	111.19	111.31
Pretax Income	144.78	144.52	143.11	127.33	111.19	111.31
Income Tax Expense	26.86	27.42	28.74	25.26	23.11	21.72
Net Income	117.92	117.1	114.37	102.07	88.08	89.6
Preferred Dividends & Other Adjustments	1.07	1.07	1.04	0.96	0.84	0.89
Net Income to Common	116.85	116.03	113.33	101.11	87.24	88.71
Net Income Growth	-1.36%	2.39%	12.04%	15.88%	-1.69%	0.27%
Basic Shares Outstanding	15	15	15	15	15	16
Diluted Shares Outstanding	15	15	15	15	15	16
Shares Change (YoY)	-1.58%	-1.30%	0.12%	-3.47%	-3.68%	-2.07%
EPS (Basic)	7.99	7.91	7.62	6.81	5.67	5.55
EPS (Diluted)	7.98	7.89	7.61	6.80	5.66	5.55
EPS Growth	0.39%	3.68%	11.91%	20.14%	1.98%	2.40%
Dividend Per Share	3.010	3.010	2.730	2.500	2.340	2.290
Dividend Growth	44.71%	10.26%	9.20%	6.84%	2.18%	4.09%
Effective Tax Rate	18.55%	18.97%	20.08%	19.84%	20.79%	19.51%

Updated Apr 23, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q