City National Bank - Financial Highlights

Investor Relations Financial Highlights

CITY HOLDING COMPANY (NASDAQ - CHCO)

Trend Analysis--Quarterly (click here for Annual Analysis)

For the definition of a financial field, click on the field name.

Balance Sheet ($000)
	2013 Q1	2012 Q1	Y-Y Ch (%)	2012 Q4	Q-Q Ch (%)^†
Loans Held for Investment, before Reserves	2,497,023	1,970,186	26.74	2,141,744	66.35
Loans Held for Sale, before Reserves	NA	1,778	NA	4,625	NA
Loan Loss Reserve	19,721	18,628	5.87	18,809	19.39
Net Loans Receivable	2,477,302	1,953,336	26.82	2,127,560	65.75
Intangible Assets	77,129	56,066	37.57	65,057	74.22
Total Assets	3,428,597	2,780,803	23.30	2,917,466	70.08
Deposits	2,884,251	2,300,178	25.39	2,409,316	78.85
Debt, Senior and Subordinated	132,922	130,319	2.00	131,141	5.43
Common Equity	365,848	316,046	15.76	333,274	39.10
Total Shareholders' Equity	365,848	316,046	15.76	333,274	39.10
Shares Outstanding (actual)	15,659,693	14,730,170	6.31	14,833,283	22.29

Income Statement ($000)
	2013 Q1	2012 Q1	Y-Y Ch (%)	2012 Q4	Q-Q Ch (%)^†
Net Interest Income	29,571	23,522	25.72	25,524	63.42
Provision for Loan Losses	1,738	1,950	(10.87)	1,775	(8.34)
Noninterest Income	14,242	13,149	8.31	14,266	(0.67)
Noninterest Expense	23,863	19,380	23.13	20,902	56.66
Net Income Before Taxes	12,756	15,175	(15.94)	16,742	(95.23)
Provision for Taxes	4,769	5,144	(7.29)	5,848	(73.80)
Net Income	7,987	10,031	(20.38)	10,894	(106.74)

Per Share Items ($)
	2013 Q1	2012 Q1	Y-Y Ch (%)	2012 Q4	Q-Q Ch (%)^†
Book Value per Share	23.36	21.46	8.89	22.47	15.92
Tangible Book Value	18.44	17.65	4.46	18.08	7.85
Diluted EPS Before Extra	0.51	0.67	(23.88)	0.73	(120.55)
Diluted EPS After Extra	0.51	0.67	(23.88)	0.73	(120.55)
Dividends Declared	0.3700	0.3500	5.71	0.3500	22.86

Performance Ratios (%)
	2013 Q1	2012 Q1	Y-Y Ch (bp)	2012 Q4	Q-Q Ch (bp)
ROAA	0.96	1.47	(51)	1.49	(53)
ROAE	9.00	12.69	(369)	13.01	(401)
Net Interest Margin	4.18	3.98	20	3.99	19
Loans / Deposits	86.57	85.65	92	88.89	(232)
Efficiency Ratio	53.90	52.95	95	53.12	78

Balance Sheet Ratios (%)
	2013 Q1	2012 Q1	Y-Y Ch (bp)	2012 Q4	Q-Q Ch (bp)
Tangible Equity/ Tangible Assets	8.61	9.54	(93)	9.40	(79)
Equity/ Assets	10.67	11.37	(69)	11.42	(75)
Asset Quality Ratios (%)
	2013 Q1	2012 Q1	Y-Y Ch (bp)	2012 Q4	Q-Q Ch (bp)
Nonperforming Assets/ Assets	1.55	1.04	50	1.73	(18)
Loan Loss Reserves/ Gross Loans	0.79	0.94	(15)	0.88	(9)
Loan Loss Reserves/ NPAs	37.19	64.13	(2,695)	37.26	(7)
Net Charge-offs/ Avg Loans	0.13	0.55	(42)	0.37	(24)

Regulatory Capital Ratios (%)
	2013 Q1	2012 Q1	Y-Y Ch (bp)	2012 Q4	Q-Q Ch (bp)
Tier 1 Capital Ratio	11.90	13.36	(146)	12.97	(107)

^† Q-Q Ch(%)= most recent quarter minus prior quarter annualized e.g. [(Q4-Q3)/Q3]*4

*	Percentages presented for individual quarters are annualized by taking the quarter amount and multiplying by four.


Copyright 2013, © SNL Financial LC Terms of Use