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	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	249.81	241.52	212.69	146.54	136.68	150.5
Interest Income on Investments	68.78	64.91	58.57	43.15	28.79	27.76
Total Interest Income	318.59	306.43	271.26	189.69	165.47	178.26
Interest Paid on Deposits	67.01	64.53	37.29	7.44	9.41	22.52
Interest Paid on Borrowings	20.16	21.66	14.74	2.21	0.49	1.09
Total Interest Expense	87.16	86.19	52.02	9.66	9.89	23.62
Net Interest Income	231.43	220.24	219.24	180.03	155.57	154.64
Net Interest Income Growth (YoY)	5.52%	0.45%	21.78%	15.72%	0.60%	-4.16%
Trust Income	11.94	11.26	9.56	8.8	8.42	7.74
Gain (Loss) on Sale of Investments	-3.19	-2.65	-4.48	-1.58	0.82	17.04
Other Non-Interest Income	65.5	64.73	65.54	64.86	60.41	57.91
Total Non-Interest Income	74.25	73.33	70.63	72.08	69.64	82.68
Non-Interest Income Growth (YoY)	3.94%	3.83%	-2.01%	3.50%	-15.77%	20.72%
Revenues Before Loan Losses	305.68	293.57	289.87	252.11	225.21	237.32
Provision for Loan Losses	-2.2	1.82	3.24	0.47	-3.17	10.72
Revenue	307.88	291.75	286.63	251.64	228.38	226.6
Revenue Growth (YoY)	6.33%	1.79%	13.91%	10.18%	0.78%	-1.95%
Salaries and Employee Benefits	73.95	71.86	68.87	62.58	57.83	58.12
Federal Deposit Insurance	3.02	2.89	2.92	1.67	1.58	0.88
Selling, General & Administrative	41.05	40.13	37.78	37.31	36.69	34.83
Other Non-Interest Expense	33.2	32.11	28.77	22.41	21.14	21.22
Total Non-Interest Expense	151.47	147.24	138.37	124.03	117.19	115.29
EBT Excluding Unusual Items	156.41	144.52	148.26	127.6	111.19	111.31
Pretax Income	156.41	144.52	143.11	127.33	111.19	111.31
Income Tax Expense	28.84	27.42	28.74	25.26	23.11	21.72
Net Income	127.57	117.1	114.37	102.07	88.08	89.6
Preferred Dividends & Other Adjustments	1.11	1.07	1.04	0.96	0.84	0.89
Net Income to Common	126.46	116.03	113.33	101.11	87.24	88.71
Net Income Growth	10.07%	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)	-1.18%	-1.30%	0.12%	-3.47%	-3.68%	-2.07%
EPS (Basic)	8.70	7.91	7.62	6.81	5.67	5.55
EPS (Diluted)	8.68	7.89	7.61	6.80	5.66	5.55
EPS Growth	11.27%	3.68%	11.91%	20.14%	1.98%	2.40%
Dividend Per Share	3.240	3.010	2.730	2.500	2.340	2.290
Dividend Growth	10.58%	10.26%	9.20%	6.84%	2.18%	4.09%
Effective Tax Rate	18.44%	18.97%	20.08%	19.84%	20.79%	19.51%

Updated Oct 22, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q