City Holding Company (CHCO)

City Holding Company Income Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	252.49	241.52	212.69	146.54	136.68
Interest Income on Investments	68.73	64.91	58.57	43.15	28.79
Total Interest Income	321.22	306.43	271.26	189.69	165.47
Interest Paid on Deposits	65.36	64.53	37.29	7.44	9.41
Interest Paid on Borrowings	19.46	21.66	14.74	2.21	0.49
Total Interest Expense	84.81	86.19	52.02	9.66	9.89
Net Interest Income	236.4	220.24	219.24	180.03	155.57
Net Interest Income Growth (YoY)	7.34%	0.45%	21.78%	15.72%	0.60%
Trust Income	12.35	11.26	9.56	8.8	8.42
Gain (Loss) on Sale of Investments	-0.4	-2.65	-4.48	-1.58	0.82
Other Non-Interest Income	65.82	64.73	65.54	64.86	60.41
Total Non-Interest Income	77.77	73.33	70.63	72.08	69.64
Non-Interest Income Growth (YoY)	6.04%	3.83%	-2.01%	3.50%	-15.77%
Revenues Before Loan Losses	314.17	293.57	289.87	252.11	225.21
Provision for Loan Losses	-1.4	1.82	3.24	0.47	-3.17
Revenue	315.57	291.75	286.63	251.64	228.38
Revenue Growth (YoY)	8.16%	1.79%	13.91%	10.18%	0.78%
Salaries and Employee Benefits	79.17	71.86	68.87	62.58	57.83
Federal Deposit Insurance	3.05	2.89	2.92	1.67	1.58
Selling, General & Administrative	29.42	40.13	37.78	37.31	36.69
Other Non-Interest Expense	42.21	32.11	28.77	22.41	21.14
Total Non-Interest Expense	154.1	147.24	138.37	124.03	117.19
EBT Excluding Unusual Items	161.47	144.52	148.26	127.6	111.19
Pretax Income	161.47	144.52	143.11	127.33	111.19
Income Tax Expense	30.98	27.42	28.74	25.26	23.11
Net Income	130.49	117.1	114.37	102.07	88.08
Preferred Dividends & Other Adjustments	1.16	1.07	1.04	0.96	0.84
Net Income to Common	129.33	116.03	113.33	101.11	87.24
Net Income Growth	11.43%	2.39%	12.04%	15.88%	-1.69%
Basic Shares Outstanding	14	15	15	15	15
Diluted Shares Outstanding	14	15	15	15	15
Shares Change (YoY)	-1.46%	-1.30%	0.12%	-3.47%	-3.68%
EPS (Basic)	8.94	7.91	7.62	6.81	5.67
EPS (Diluted)	8.93	7.89	7.61	6.80	5.66
EPS Growth	13.18%	3.68%	11.91%	20.14%	1.98%
Dividend Per Share	3.320	3.010	2.730	2.500	2.340
Dividend Growth	10.30%	10.26%	9.20%	6.84%	2.18%
Effective Tax Rate	19.19%	18.97%	20.08%	19.84%	20.79%

Updated Jan 21, 2026. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q