City Holding Company (CHCO) quarterly income statement — complete revenue, gross profit & net income history
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 | Q3'21 | Q2'21 |
|---|
| Net Interest Income | 59.62M | 60.56M | 61.11M | 58.92M | 55.81M | 55.58M | 55.6M | 54.63M | 54.43M | 54.67M | 55.61M | 55.5M | 53.46M | 52.04M | 48.78M | 41.29M | 37.92M | 40.63M | 39.49M | 37.91M |
| NII Growth % | 6.81% | 8.95% | 9.89% | 7.87% | 2.55% | 1.67% | -0.02% | -1.58% | 1.81% | 5.04% | 14.01% | 34.42% | 40.99% | 28.08% | 23.54% | 8.9% | 1% | 6.41% | 3.98% | -0.41% |
| Net Interest Margin % | 0.88% | 0.9% | 0.92% | 0.89% | 0.84% | 0.86% | 0.86% | 0.86% | 0.86% | 0.89% | 0.92% | 0.9% | 0.86% | 0.89% | 0.82% | 0.66% | 0.63% | 0.68% | 0.66% | 0.64% |
| Interest Income | 78.77M | 81.45M | 82.09M | 80.29M | 77.39M | 78.82M | 78.05M | 75.99M | 73.57M | 71.86M | 70.19M | 67.68M | 61.53M | 56.59M | 50.81M | 42.74M | 39.55M | 42.47M | 41.56M | 40.5M |
| Interest Expense | 19.15M | 20.89M | 20.98M | 21.37M | 21.57M | 23.24M | 22.45M | 21.36M | 19.14M | 17.2M | 14.57M | 12.18M | 8.07M | 4.54M | 2.02M | 1.45M | 1.64M | 1.84M | 2.07M | 2.58M |
| Loan Loss Provision | 600K | 0 | -500K | -2M | 0 | 300K | 1.2M | 500K | -180K | -300K | 200K | 425K | 2.92M | 500K | 730K | 0 | -756K | 0 | -725K | -2M |
| Non-Interest Income | 19.63M | 19.64M | 17.93M | 16.74M | 16.59M | 14.47M | 18.06M | 16.61M | 15.68M | 12.3M | 15.18M | 18.54M | 17.16M | 17.18M | 16.84M | 16.18M | 15.8M | 16.04M | 16.4M | 15.7M |
| Non-Interest Income % | 19.95% | 19.43% | 17.92% | 17.25% | 17.65% | 15.51% | 18.79% | 17.94% | 17.57% | 14.61% | 17.78% | 21.51% | 21.8% | 23.29% | 24.9% | 27.46% | 28.55% | 27.41% | 28.29% | 27.94% |
| Total Revenue | 98.4M | 101.08M | 100.02M | 97.03M | 93.98M | 93.29M | 96.11M | 92.61M | 89.25M | 84.16M | 85.37M | 86.22M | 78.69M | 73.77M | 67.65M | 58.93M | 55.35M | 58.51M | 57.96M | 56.2M |
| Revenue Growth % | 4.71% | 8.35% | 4.07% | 4.78% | 5.3% | 10.85% | 12.58% | 7.4% | 13.42% | 14.1% | 26.2% | 46.33% | 42.15% | 26.07% | 16.72% | 4.85% | -1.13% | -0.45% | -1.27% | -2.17% |
| Non-Interest Expense | 39.38M | 39.55M | 35.69M | 36.5M | 35.49M | 35.27M | 35.35M | 34.48M | 33.63M | 33.17M | 32.8M | 33M | 37.1M | 31.23M | 30.1M | 29.02M | 27.88M | 27.05M | 27.63M | 27.83M |
| Efficiency Ratio | 40.03% | 39.13% | 35.68% | 37.62% | 37.76% | 37.81% | 36.78% | 37.23% | 37.68% | 39.41% | 38.42% | 38.28% | 47.15% | 42.34% | 44.49% | 49.25% | 50.37% | 46.23% | 47.67% | 49.52% |
| Operating Income | 39.26M | 40.64M | 43.85M | 41.16M | 36.92M | 34.48M | 37.12M | 36.26M | 36.66M | 34.09M | 37.8M | 40.62M | 30.6M | 37.49M | 34.8M | 28.45M | 26.59M | 29.62M | 28.98M | 27.79M |
| Operating Margin % | 39.9% | 40.2% | 43.84% | 42.42% | 39.28% | 36.96% | 38.62% | 39.16% | 41.07% | 40.51% | 44.27% | 47.11% | 38.89% | 50.82% | 51.43% | 48.28% | 48.04% | 50.63% | 50.01% | 49.44% |
| Operating Income Growth % | 6.35% | 17.86% | 18.14% | 13.5% | 0.71% | 1.14% | -1.8% | -10.72% | 19.79% | -9.06% | 8.62% | 42.77% | 15.07% | 26.55% | 20.06% | 2.38% | 7.23% | 10.59% | 14.9% | 20.91% |
| Pretax Income | 39.26M | 39.54M | 43.85M | 41.16M | 36.92M | 34.48M | 37.12M | 36.26M | 36.66M | 34.09M | 37.8M | 40.62M | 30.6M | 37.49M | 34.8M | 28.45M | 26.59M | 29.62M | 28.98M | 27.79M |
| Pretax Margin % | 39.9% | 39.12% | 43.84% | 42.42% | 39.28% | 36.96% | 38.62% | 39.16% | 41.07% | 40.51% | 44.27% | 47.11% | 38.89% | 50.82% | 51.43% | 48.28% | 48.04% | 50.63% | 50.01% | 49.44% |
| Income Tax | 7.53M | 7.97M | 8.66M | 7.77M | 6.58M | 5.83M | 7.31M | 7.15M | 7.13M | 6.64M | 7.96M | 7.88M | 6.26M | 6.83M | 7.42M | 5.77M | 5.25M | 6.24M | 6.25M | 5.64M |
| Effective Tax Rate % | 19.17% | 20.16% | 19.75% | 18.89% | 17.81% | 16.9% | 19.68% | 19.71% | 19.46% | 19.48% | 21.05% | 19.41% | 20.45% | 18.21% | 21.33% | 20.27% | 19.75% | 21.05% | 21.57% | 20.3% |
| Net Income | 31.73M | 31.57M | 35.19M | 33.39M | 30.34M | 28.65M | 29.81M | 29.11M | 29.52M | 27.45M | 29.84M | 32.73M | 24.34M | 30.66M | 27.37M | 22.68M | 21.34M | 23.39M | 22.73M | 22.15M |
| Net Margin % | 32.25% | 31.23% | 35.18% | 34.41% | 32.29% | 30.71% | 31.02% | 31.44% | 33.08% | 32.62% | 34.95% | 37.96% | 30.93% | 41.57% | 40.46% | 38.49% | 38.56% | 39.97% | 39.22% | 39.41% |
| Net Income Growth % | 4.59% | 10.17% | 18.04% | 14.67% | 2.77% | 4.38% | -0.1% | -11.05% | 21.29% | -10.47% | 9% | 44.31% | 14.05% | 31.12% | 20.42% | 2.42% | 7.71% | 5.24% | 12.95% | 21.35% |
| Net Income (Continuing) | 31.73M | 31.57M | 35.19M | 33.39M | 30.34M | 28.65M | 29.81M | 29.11M | 29.52M | 27.45M | 29.84M | 32.73M | 24.34M | 30.66M | 27.37M | 22.68M | 21.34M | 23.39M | 22.73M | 22.15M |
| EPS (Diluted) | 2.20 | 2.18 | 2.41 | 2.29 | 2.06 | 1.94 | 2.02 | 1.96 | 1.97 | 1.84 | 1.98 | 2.16 | 1.63 | 2.05 | 1.83 | 1.52 | 1.42 | 1.54 | 1.47 | 1.41 |
| EPS Growth % | 6.8% | 12.37% | 19.31% | 16.84% | 4.57% | 5.43% | 2.02% | -9.26% | 20.86% | -10.24% | 8.2% | 42.11% | 14.79% | 33.12% | 24.49% | 7.8% | 13.6% | 10% | 17.6% | 25.89% |
| EPS (Basic) | 2.20 | 2.18 | 2.41 | 2.29 | 2.06 | 1.94 | 2.02 | 1.96 | 1.98 | 1.84 | 1.98 | 2.16 | 1.63 | 2.06 | 1.85 | 1.52 | 1.41 | 1.54 | 1.47 | 1.41 |
| Diluted Shares Outstanding | 14.27M | 14.37M | 14.46M | 14.47M | 14.63M | 14.7M | 14.65M | 14.71M | 14.82M | 14.79M | 14.95M | 15.01M | 14.84M | 14.79M | 14.8M | 14.91M | 15M | 15.06M | 15.3M | 15.59M |