With a Score of 84 out of 100, Sagemcom Is Awarded the EcoVadis Platinum Medal: a Prestigious Recognition of its CSR Commitment
With a score of 84 out of 100, Sagemcom awarded the EcoVadis Platinum Medal: a prestigious recognition of its CSR Commitment.
This medal places Sagemcom in the top 1% of companies evaluated worldwide, across all industries. With a score of 84 out of 100, Sagemcom reaffirms its position as a committed leader in ecological transition, business ethics, sustainable supply chain management, and social responsibility.
'The EcoVadis Platinum Medal is more than just an award — it is the recognition of our collective efforts to embed sustainable development principles at the heart of our corporate strategy and culture,' says Sylvaine Couleur, Executive Vice President, CSR & Communication. 'Achieving this level demonstrates that our commitments are tangible, impactful, and internationally recognized. This distinction strengthens our determination to further advance and expand our CSR commitments, in service of our customers, partners, and teams.'
The EcoVadis assessment is based on 21 criteria grouped into four key themes: environment, labor and human rights, ethics, and sustainable procurement. Through its structured and measurable actions in these areas, Sagemcom has proven its ability to combine economic performance with positive impact.
About Sagemcom
All over the world, thanks to the innovative solutions designed and built by its teams, Sagemcom provides, to the greatest number of people, access to broadband Internet, entertainment, and managed energy supply. As a 'mission-driven company' since January 2022, Sagemcom makes sure that the design, construction and use of these solutions are sustainable, and fulfil the environmental and societal commitments known and shared by all its teams, partners and stakeholders. A technology leader in its markets, Sagemcom is 30% owned by its employees, has achieved over €2.3 billion turnover in 2024, and is profitable since it was founded.
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Uncertainty, risks, changes in circumstances and other factors could cause the Company's actual results to differ materially from those projected in the forward-looking statements. Factors that could cause actual results to differ from those discussed in such forward-looking statements include, but are not limited to those set forth in the Company's Annual Report on Form 10-K for the fiscal year ended December 31, 2024 under 'ITEM 1A Risk Factors' and the following: (1) general economic conditions, especially in the communities and markets in which we conduct our business; (2) credit risk, including risk that negative credit quality trends may lead to a deterioration of asset quality, risk that our allowance for credit losses may not be sufficient to absorb actual losses in our loan portfolio, and risk from concentrations in our loan portfolio; (3) changes in the real estate market, including the value of collateral securing portions of our loan portfolio; (4) changes in the interest rate environment; (5) operational risk, including cybersecurity risk and risk of fraud, data processing system failures, and network breaches; (6) changes in technology and increased competition, including competition from non-bank financial institutions; (7) changes in consumer preferences, spending and borrowing habits, demand for our products and services, and customers' performance and creditworthiness; (8) difficulty growing loan and deposit balances; (9) our ability to effectively execute our business plan, including with respect to future acquisitions; (10) changes in regulations, laws, taxes, government policies, monetary policies and accounting policies affecting bank holding companies and their subsidiaries, including changes in deposit insurance premiums; (11) deterioration in the financial condition of the U.S. banking system may impact the valuations of investments the Company has made in the securities of other financial institutions; (12) regulatory enforcement actions and adverse legal actions; (13) difficulty attracting and retaining key employees; and (14) other economic, competitive, technological, operational, governmental, regulatory, and market factors affecting our operations. Forward-looking statements made herein reflect management's expectations as of the date such statements are made. Such information is provided to assist stockholders and potential investors in understanding current and anticipated financial operations of the Company and is included pursuant to the safe harbor provisions of the Private Securities Litigation Reform Act of 1995. The Company undertakes no obligation to update any forward-looking statement to reflect events or circumstances that arise after the date such statements are made. Further, the Company is required to evaluate subsequent events through the filing of its June 30, 2025 Form 10-Q. The Company will continue to evaluate the impact of any subsequent events on the preliminary June 30, 2025 results and will adjust the amounts if necessary. CITY HOLDING COMPANY AND SUBSIDIARIES Financial Highlights (Unaudited) Three Months Ended Six Months Ended June 30, 2025 March 31, 2025 December 31, 2024 September 30, 2024 June 30, 2024 June 30, 2025 June 30, 2024 Earnings Net Interest Income (fully taxable equivalent) $ 59,116 $ 56,007 $ 55,790 $ 55,823 $ 54,847 $ 115,121 $ 109,495 Net Income available to common shareholders 33,387 30,342 28,654 29,809 29,115 63,729 58,638 Per Share Data Earnings per share available to common shareholders: Basic $ 2.29 $ 2.06 $ 1.94 $ 2.02 $ 1.96 $ 4.35 $ 3.95 Diluted 2.29 2.06 1.94 2.02 1.96 4.35 3.94 Weighted average number of shares (in thousands): Basic 14,466 14,616 14,634 14,633 14,695 14,541 14,721 Diluted 14,471 14,631 14,655 14,654 14,710 14,551 14,740 Period-end number of shares (in thousands) 14,495 14,650 14,705 14,702 14,701 14,495 14,701 Cash dividends declared $ 0.79 $ 0.79 $ 0.79 $ 0.79 $ 0.72 $ 1.58 $ 1.43 Book value per share (period-end) $ 52.72 $ 51.63 $ 49.69 $ 50.42 $ 46.71 $ 52.72 $ 46.71 Tangible book value per share (period-end) 41.76 40.74 38.80 39.49 35.75 41.76 35.75 Market data: High closing price $ 123.42 $ 120.39 $ 134.35 $ 123.29 $ 106.43 $ 123.42 $ 111.40 Low closing price 108.93 114.48 113.37 104.53 98.35 108.93 98.35 Period-end closing price 122.42 117.47 118.48 117.39 106.25 122.42 106.25 Average daily volume (in thousands) 76 63 53 56 57 69 60 Treasury share activity: Treasury shares repurchased (in thousands) 175 81 - - 142 255 179 Average treasury share repurchase price $ 111.09 $ 117.42 $ - $ - $ 100.24 $ 113.09 $ 100.24 Key Ratios (percent) Return on average assets 2.03 % 1.89 % 1.75 % 1.87 % 1.85 % 1.96 % 1.89 % Return on average tangible equity 22.7 % 20.7 % 19.4 % 20.9 % 22.2 % 21.7 % 22.4 % Yield on interest earning assets 5.38 % 5.32 % 5.31 % 5.43 % 5.38 % 5.35 % 5.36 % Cost of interest bearing liabilities 1.95 % 2.02 % 2.14 % 2.13 % 2.06 % 1.99 % 1.98 % Net Interest Margin 3.95 % 3.84 % 3.75 % 3.87 % 3.87 % 3.90 % 3.91 % Non-interest income as a percent of total revenue 24.7 % 25.1 % 25.8 % 26.5 % 25.3 % 24.8 % 25.3 % Efficiency Ratio 49.0 % 49.6 % 48.4 % 48.8 % 49.3 % 49.3 % 48.9 % Price/Earnings Ratio (a) 13.38 14.26 15.27 14.54 13.53 14.09 13.46 Capital (period-end) Average Shareholders' Equity to Average Assets 11.37 % 11.56 % 11.46 % 11.45 % 10.90 % Tangible equity to tangible assets 9.40 % 9.23 % 9.06 % 9.26 % 8.50 % Consolidated City Holding Company risk based capital ratios (b): CET I 16.78 % 16.84 % 16.51 % 16.64 % 16.10 % Tier I 16.78 % 16.84 % 16.51 % 16.64 % 16.10 % Total 17.26 % 17.36 % 17.02 % 17.17 % 16.64 % Leverage 10.70 % 10.76 % 10.62 % 10.59 % 10.30 % City National Bank risk based capital ratios (b): CET I 15.10 % 14.38 % 13.55 % 16.00 % 15.17 % Tier I 15.10 % 14.38 % 13.55 % 16.00 % 15.17 % Total 15.58 % 14.90 % 14.05 % 16.52 % 15.72 % Leverage 9.63 % 9.19 % 8.72 % 10.17 % 9.68 % Other (period-end) Branches 96 97 97 97 97 FTE 934 942 941 940 948 Assets per FTE (in thousands) $ 7,064 $ 7,028 $ 6,864 $ 6,845 $ 6,689 Deposits per FTE (in thousands) 5,619 5,580 5,467 5,428 5,345 (a) The price/earnings ratio is computed based on annualized quarterly earnings. (b) June 30, 2025 risk-based capital ratios are estimated. Expand CITY HOLDING COMPANY AND SUBSIDIARIES Consolidated Statements of Income (Unaudited) ($ in 000s, except per share data) Three Months Ended Six Months Ended June 30, 2025 March 31, 2025 December 31, 2024 September 30, 2024 June 30, 2024 June 30, 2025 June 30, 2024 Interest Income Interest and fees on loans $ 62,588 $ 60,917 $ 61,701 $ 61,407 $ 59,285 $ 123,505 $ 118,413 Interest on investment securities: Taxable 15,347 13,945 13,742 14,403 13,947 29,292 25,987 Tax-exempt 712 724 789 824 838 1,436 1,668 Interest on deposits in depository institutions 1,644 1,802 2,588 1,417 1,920 3,446 3,490 Total Interest Income 80,291 77,388 78,820 78,051 75,990 157,679 149,558 Interest Expense Interest on deposits 16,492 16,852 17,463 17,072 15,897 33,344 29,994 Interest on customer repurchase agreements 3,307 3,169 4,191 3,788 3,900 6,476 7,521 Interest on FHLB long-term advances 1,568 1,552 1,586 1,586 1,568 3,120 2,991 Total Interest Expense 21,367 21,573 23,240 22,446 21,365 42,940 40,506 Net Interest Income 58,924 55,815 55,580 55,605 54,625 114,739 109,052 (Recovery of) Provision for credit losses (2,000 ) - 300 1,200 500 (2,000 ) 320 Net Interest Income After (Recovery of) Provision for Credit Losses 60,924 55,815 55,280 54,405 54,125 116,739 108,732 Non-Interest Income Net gains (losses) on sale of investment securities 150 - (2,812 ) (12 ) - 150 (1 ) Unrealized (losses) gains recognized on equity securities still held (263 ) (5 ) (390 ) 353 364 (268 ) 212 Service charges 7,264 7,151 7,679 7,531 6,980 14,415 14,015 Bankcard revenue 7,233 6,807 7,109 7,346 7,245 14,040 14,045 Wealth and investment management fee income 3,016 2,902 2,947 2,923 2,762 5,918 5,385 Bank owned life insurance 942 1,153 855 1,435 775 2,095 1,702 Other income 894 729 739 772 785 1,623 1,501 Total Non-Interest Income 19,236 18,737 16,127 20,348 18,911 37,973 36,859 Non-Interest Expense Salaries and employee benefits 19,995 19,194 19,489 19,245 18,751 39,189 37,629 Occupancy related expense 2,316 2,582 2,308 2,387 2,468 4,898 4,921 Equipment and software related expense 3,554 3,470 3,683 3,431 3,130 7,024 6,059 Bankcard expenses 2,203 2,215 1,909 2,271 2,290 4,418 4,329 Other tax-related matters 2,327 2,262 1,873 1,756 2,029 4,589 4,048 Advertising 964 873 901 1,081 972 1,837 1,839 FDIC insurance expense 756 776 729 734 718 1,532 1,429 Legal and professional fees 651 582 629 500 551 1,233 1,033 Repossessed asset losses (gains), net of expenses 292 (66 ) (10 ) 21 6 226 235 Other expenses 5,941 5,747 5,414 6,212 5,857 11,688 11,150 Total Non-Interest Expense 38,999 37,635 36,925 37,638 36,772 76,634 72,672 Income Before Income Taxes 41,161 36,917 34,482 37,115 36,264 78,078 72,919 Income tax expense 7,774 6,575 5,828 7,306 7,149 14,349 14,281 Net Income Available to Common Shareholders $ 33,387 $ 30,342 $ 28,654 $ 29,809 $ 29,115 $ 63,729 $ 58,638 Distributed earnings allocated to common shareholders $ 11,346 $ 11,483 $ 11,511 $ 11,506 $ 10,418 $ 22,691 $ 20,835 Undistributed earnings allocated to common shareholders 21,735 18,624 16,881 18,025 18,439 40,497 37,284 Net earnings allocated to common shareholders $ 33,081 $ 30,107 $ 28,392 $ 29,531 $ 28,857 $ 63,188 $ 58,119 Average common shares outstanding 14,466 14,616 14,634 14,633 14,695 14,541 14,721 Shares for diluted earnings per share 14,471 14,631 14,655 14,654 14,710 14,551 14,740 Basic earnings per common share $ 2.29 $ 2.06 $ 1.94 $ 2.02 $ 1.96 $ 4.35 $ 3.95 Diluted earnings per common share $ 2.29 $ 2.06 $ 1.94 $ 2.02 $ 1.96 $ 4.35 $ 3.94 Expand CITY HOLDING COMPANY AND SUBSIDIARIES Consolidated Balance Sheets ($ in 000s) (Unaudited) (Unaudited) (Unaudited) (Unaudited) June 30, 2025 March 31, 2025 December 31, 2024 September 30, 2024 June 30, 2024 Assets Cash and due from banks $ 145,876 $ 135,029 $ 117,580 $ 161,333 $ 141,168 Interest-bearing deposits in depository institutions 26,248 249,676 107,809 132,616 76,818 Cash and cash equivalents 172,124 384,705 225,389 293,949 217,986 Investment securities available-for-sale, at fair value 1,562,423 1,416,808 1,421,306 1,462,795 1,456,685 Other securities 29,768 29,809 29,803 30,859 31,237 Total investment securities 1,592,191 1,446,617 1,451,109 1,493,654 1,487,922 Gross loans 4,339,196 4,285,824 4,274,776 4,157,830 4,112,873 Allowance for credit losses (19,724 ) (21,669 ) (21,922 ) (21,832 ) (22,688 ) Net loans 4,319,472 4,264,155 4,252,854 4,135,998 4,090,185 Bank owned life insurance 122,587 121,738 120,887 120,061 119,650 Premises and equipment, net 69,038 69,696 70,539 70,651 71,041 Accrued interest receivable 21,654 21,603 20,650 21,785 21,826 Net deferred tax assets 33,994 35,184 41,704 33,497 43,602 Goodwill and intangible assets 158,957 159,501 160,044 160,640 161,236 Other assets 108,120 119,757 116,283 104,079 127,947 Total Assets $ 6,598,137 $ 6,622,956 $ 6,459,459 $ 6,434,314 $ 6,341,395 Liabilities Deposits: Noninterest-bearing $ 1,383,247 $ 1,365,870 $ 1,344,449 $ 1,339,538 $ 1,354,660 Interest-bearing: Demand deposits 1,333,858 1,355,806 1,335,220 1,351,239 1,333,169 Savings deposits 1,244,179 1,260,903 1,215,358 1,208,828 1,233,834 Time deposits 1,287,536 1,275,890 1,249,123 1,203,046 1,145,617 Total deposits 5,248,820 5,258,469 5,144,150 5,102,651 5,067,280 Customer repurchase agreements 339,834 347,729 325,655 339,153 322,668 FHLB long-term advances 150,000 150,000 150,000 150,000 150,000 Other liabilities 95,268 110,422 108,990 101,211 114,707 Total Liabilities 5,833,922 5,866,620 5,728,795 5,693,015 5,654,655 Stockholders' Equity Preferred stock - - - - - Common stock 47,619 47,619 47,619 47,619 47,619 Capital surplus 172,853 174,300 176,506 175,602 174,834 Retained earnings 893,422 871,406 852,757 835,778 817,549 Treasury stock (254,181 ) (237,038 ) (230,499 ) (230,836 ) (230,944 ) Accumulated other comprehensive loss: Unrealized loss on securities available-for-sale (94,056 ) (98,509 ) (114,277 ) (84,283 ) (119,737 ) Underfunded pension liability (1,442 ) (1,442 ) (1,442 ) (2,581 ) (2,581 ) Total Accumulated Other Comprehensive Loss (95,498 ) (99,951 ) (115,719 ) (86,864 ) (122,318 ) Total Stockholders' Equity 764,215 756,336 730,664 741,299 686,740 Total Liabilities and Stockholders' Equity $ 6,598,137 $ 6,622,956 $ 6,459,459 $ 6,434,314 $ 6,341,395 Regulatory Capital Total CET 1 capital $ 702,729 $ 698,721 $ 688,707 $ 669,862 $ 650,108 Total tier 1 capital 702,729 698,721 688,707 669,862 650,108 Total risk-based capital 722,477 720,400 709,820 690,857 671,959 Total risk-weighted assets 4,186,844 4,150,062 4,171,271 4,024,686 4,037,614 Expand CITY HOLDING COMPANY AND SUBSIDIARIES Loan Portfolio (Unaudited) ($ in 000s) June 30, 2025 March 31, 2025 December 31, 2024 September 30, 2024 June 30, 2024 Commercial and industrial $ 409,317 $ 423,265 $ 419,838 $ 424,414 $ 408,312 1-4 Family 199,400 195,641 197,258 194,670 195,992 Hotels 380,496 372,758 389,660 383,232 370,954 Multi-family 221,970 215,546 240,943 193,875 190,390 Non Residential Non-Owner Occupied 740,104 742,323 707,265 665,210 668,330 Non Residential Owner Occupied 236,935 232,732 233,497 236,826 235,993 Commercial real estate (1) 1,778,905 1,759,000 1,768,623 1,673,813 1,661,659 Residential real estate (2) 1,884,449 1,841,851 1,823,610 1,806,578 1,797,260 Home equity 207,906 203,253 199,192 190,149 179,607 Consumer 52,795 54,670 57,816 58,710 62,352 DDA overdrafts 5,824 3,785 5,697 4,166 3,683 Gross Loans $ 4,339,196 $ 4,285,824 $ 4,274,776 $ 4,157,830 $ 4,112,873 Construction loans included in: (1) - Commercial real estate loans $ 28,781 $ 25,683 $ 24,681 $ 2,736 $ 2,233 (2) - Residential real estate loans 6,416 5,276 7,547 7,604 9,766 Expand CITY HOLDING COMPANY AND SUBSIDIARIES Asset Quality Information (Unaudited) ($ in 000s) Three Months Ended Six Months Ended June 30, 2025 March 31, 2025 December 31, 2024 September 30, 2024 June 30, 2024 June 30, 2025 June 30, 2024 Allowance for Credit Losses Balance at beginning of period $ 21,669 $ 21,922 $ 21,832 $ 22,688 $ 22,310 $ 21,922 $ 22,745 Charge-offs: Commercial and industrial - (30 ) (99 ) (206 ) (61 ) (30 ) (367 ) Commercial real estate - (220 ) - (1,909 ) (40 ) (220 ) (71 ) Residential real estate (49 ) - (75 ) (43 ) (286 ) (49 ) (305 ) Home equity (97 ) (1 ) (23 ) (57 ) (121 ) (98 ) (148 ) Consumer (36 ) (129 ) (23 ) (24 ) (20 ) (165 ) (135 ) DDA overdrafts (327 ) (379 ) (405 ) (436 ) (373 ) (706 ) (729 ) Total charge-offs (509 ) (759 ) (625 ) (2,675 ) (901 ) (1,268 ) (1,755 ) Recoveries: Commercial and industrial 15 37 1 24 38 52 63 Commercial real estate 51 30 12 193 165 81 176 Residential real estate 49 1 3 27 179 50 228 Home equity 96 4 17 13 38 100 47 Consumer 25 9 15 25 24 34 122 DDA overdrafts 328 425 367 337 335 753 742 Total recoveries 564 506 415 619 779 1,070 1,378 Net recoveries (charge-offs) 55 (253 ) (210 ) (2,056 ) (122 ) (198 ) (377 ) (Recovery of) provision for credit losses (2,000 ) - 300 1,200 500 (2,000 ) 320 Balance at end of period $ 19,724 $ 21,669 $ 21,922 $ 21,832 $ 22,688 $ 19,724 $ 22,688 Loans outstanding $ 4,339,196 $ 4,285,824 $ 4,274,776 $ 4,157,830 $ 4,112,873 Allowance as a percent of loans outstanding 0.45 % 0.51 % 0.51 % 0.53 % 0.55 % Allowance as a percent of non-performing loans 140.3 % 135.5 % 154.3 % 141.1 % 236.8 % Average loans outstanding $ 4,310,222 $ 4,292,794 $ 4,215,962 $ 4,133,520 $ 4,092,464 $ 4,301,556 $ 4,092,497 Net (recoveries) charge-offs (annualized) as a percent of average loans outstanding (0.01 )% 0.02 % 0.02 % 0.20 % 0.01 % 0.01 % 0.02 % CITY HOLDING COMPANY AND SUBSIDIARIES Asset Quality Information, continued (Unaudited) ($ in 000s) June 30, 2025 March 31, 2025 December 31, 2024 September 30, 2024 June 30, 2024 Nonaccrual Loans Residential real estate $ 3,602 $ 3,226 $ 2,823 $ 2,596 $ 3,214 Home equity 283 269 212 109 63 Commercial and industrial 600 2,781 3,161 3,631 3,135 Commercial real estate 9,515 9,692 7,833 9,031 3,118 Consumer - - - - - Total nonaccrual loans 14,000 15,968 14,029 15,367 9,530 Accruing loans past due 90 days or more 63 26 182 102 50 Total non-performing loans 14,063 15,994 14,211 15,469 9,580 Other real estate owned 185 457 754 729 629 Total non-performing assets $ 14,248 $ 16,451 $ 14,965 $ 16,198 $ 10,209 Non-performing assets as a percent of loans and other real estate owned 0.33 % 0.38 % 0.35 % 0.39 % 0.25 % Past Due Loans Residential real estate $ 6,497 $ 5,936 $ 7,012 $ 8,205 $ 7,991 Home equity 788 892 902 1,571 819 Commercial and industrial - 4 - 57 1,087 Commercial real estate 202 476 240 992 565 Consumer 163 9 273 161 97 DDA overdrafts 336 214 391 333 327 Total past due loans $ 7,986 $ 7,531 $ 8,818 $ 11,319 $ 10,886 Total past due loans as a percent of loans outstanding 0.18 % 0.18 % 0.21 % 0.27 % 0.26 % Expand CITY HOLDING COMPANY AND SUBSIDIARIES Consolidated Average Balance Sheets, Yields, and Rates (Unaudited) ($ in 000s) Three Months Ended June 30, 2025 March 31, 2025 June 30, 2024 Average Yield/ Average Yield/ Average Yield/ Balance Interest Rate Balance Interest Rate Balance Interest Rate Assets: Loan portfolio (1): Residential real estate (2) $ 2,068,082 $ 27,015 5.24 % $ 2,035,999 $ 26,122 5.20 % $ 1,969,769 $ 24,763 5.06 % Commercial, financial, and agriculture (2) 2,184,357 34,640 6.36 % 2,195,307 33,876 6.26 % 2,055,263 33,524 6.56 % Installment loans to individuals (2), (3) 57,783 935 6.49 % 61,488 919 6.06 % 67,432 998 5.95 % Total loans 4,310,222 62,590 5.82 % 4,292,794 60,917 5.76 % 4,092,464 59,285 5.83 % Securities: Taxable 1,416,770 15,347 4.34 % 1,318,675 13,945 4.29 % 1,302,197 13,947 4.31 % Tax-exempt (4) 128,165 902 2.82 % 134,567 916 2.76 % 158,894 1,060 2.68 % Total securities 1,544,935 16,249 4.22 % 1,453,242 14,861 4.15 % 1,461,091 15,007 4.13 % Deposits in depository institutions 147,662 1,644 4.47 % 164,069 1,802 4.45 % 139,852 1,920 5.52 % Total interest-earning assets 6,002,819 80,483 5.38 % 5,910,105 77,580 5.32 % 5,693,407 76,212 5.38 % Cash and due from banks 94,199 98,843 103,004 Premises and equipment, net 69,523 70,296 71,491 Goodwill and intangible assets 159,164 159,714 161,607 Other assets 291,943 298,473 316,440 Less: Allowance for credit losses (22,127 ) (22,285 ) (22,694 ) Total assets $ 6,595,521 $ 6,515,146 $ 6,323,255 Liabilities: Interest-bearing demand deposits $ 1,343,532 $ 3,332 0.99 % $ 1,335,691 $ 3,297 1.00 % $ 1,320,402 $ 3,845 1.17 % Savings deposits 1,247,766 2,302 0.74 % 1,237,116 2,271 0.74 % 1,248,330 2,232 0.72 % Time deposits (2) 1,283,806 10,858 3.39 % 1,265,163 11,284 3.62 % 1,125,036 9,820 3.51 % Customer repurchase agreements 359,626 3,307 3.69 % 333,562 3,169 3.85 % 336,434 3,900 4.66 % FHLB long-term advances 150,000 1,568 4.19 % 150,000 1,552 4.20 % 150,000 1,568 4.20 % Total interest-bearing liabilities 4,384,730 21,367 1.95 % 4,321,532 21,573 2.02 % 4,180,202 21,365 2.06 % Noninterest-bearing demand deposits 1,363,481 1,336,365 1,341,642 Other liabilities 97,480 104,301 112,301 Stockholders' equity 749,830 752,948 689,110 Total liabilities and Stockholders' equity $ 6,595,521 $ 6,515,146 $ 6,323,255 Net interest income $ 59,116 $ 56,007 $ 54,847 Net yield on earning assets 3.95 % 3.84 % 3.87 % (1) For purposes of this table, non-accruing loans have been included in average balances and the following amounts (in thousands) of net loan fees have been included in interest income: Loan fees, net $ 6 $ 201 $ 60 (2) Included in the above table are the following amounts (in thousands) for the accretion of the fair value adjustments related to the Company's acquisitions: Residential real estate $ 57 $ 22 $ 72 Commercial, financial, and agriculture 676 530 683 Installment loans to individuals - 4 6 Time deposits 3 7 21 $ 736 $ 563 $ 782 (3) Includes the Company's consumer and DDA overdrafts loan categories. (4) Computed on a fully federal tax-equivalent basis assuming a tax rate of approximately 21%. Expand CITY HOLDING COMPANY AND SUBSIDIARIES Consolidated Average Balance Sheets, Yields, and Rates (Unaudited) ($ in 000s) Six Months Ended June 30, 2025 June 30, 2024 Average Yield/ Average Yield/ Balance Interest Rate Balance Interest Rate Assets: Loan portfolio (1): Residential real estate (2) $ 2,051,918 $ 53,137 5.22 % $ 1,962,337 $ 48,912 5.01 % Commercial, financial, and agriculture (2) 2,189,980 68,516 6.31 % 2,062,016 67,504 6.58 % Installment loans to individuals (2), (3) 59,658 1,853 6.26 % 68,144 1,997 5.89 % Total loans 4,301,556 123,506 5.79 % 4,092,497 118,413 5.82 % Securities: Taxable 1,367,994 29,292 4.32 % 1,251,253 25,987 4.18 % Tax-exempt (4) 131,348 1,817 2.79 % 159,871 2,111 2.66 % Total securities 1,499,342 31,109 4.18 % 1,411,124 28,098 4.00 % Deposits in depository institutions 155,820 3,446 4.46 % 127,902 3,490 5.49 % Total interest-earning assets 5,956,718 158,061 5.35 % 5,631,523 150,001 5.36 % Cash and due from banks 96,508 100,985 Premises and equipment, net 69,907 71,723 Goodwill and intangible assets 159,438 161,932 Other assets 295,190 311,358 Less: Allowance for credit losses (22,206 ) (22,918 ) Total assets $ 6,555,555 $ 6,254,603 Liabilities: Interest-bearing demand deposits $ 1,339,633 $ 6,629 1.00 % $ 1,302,135 $ 7,284 1.12 % Savings deposits 1,242,470 4,573 0.74 % 1,251,292 4,505 0.72 % Time deposits (2) 1,274,536 22,142 3.50 % 1,099,059 18,205 3.33 % Customer repurchase agreements 346,666 6,476 3.77 % 325,028 7,521 4.65 % FHLB long-term advances 150,000 3,120 4.19 % 143,407 2,991 4.19 % Total interest-bearing liabilities 4,353,305 42,940 1.99 % 4,120,921 40,506 1.98 % Noninterest-bearing demand deposits 1,349,998 1,332,091 Other liabilities 100,872 113,945 Stockholders' equity 751,380 687,646 Total liabilities and stockholders' equity $ 6,555,555 $ 6,254,603 Net interest income $ 115,121 $ 109,495 Net yield on earning assets 3.90 % 3.91 % (1) For purposes of this table, non-accruing loans have been included in average balances and the following amounts (in thousands) of net loan fees have been included in interest income: Loan fees, net $ 207 $ 193 (2) Included in the above table are the following amounts (in thousands) for the accretion of the fair value adjustments related to the Company's acquisitions: Residential real estate $ 79 $ 118 Commercial, financial, and agriculture 1,206 1,747 Installment loans to individuals 4 12 Time deposits 10 84 $ 1,299 $ 1,961 (3) Includes the Company's consumer and DDA overdrafts loan categories. (4) Computed on a fully federal tax-equivalent basis assuming a tax rate of approximately 21%. Expand CITY HOLDING COMPANY AND SUBSIDIARIES Non-GAAP Reconciliations (Unaudited) ($ in 000s, except per share data) Three Months Ended Six Months Ended June 30, 2025 March 31, 2025 December 31, 2024 September 30, 2024 June 30, 2024 June 30, 2025 June 30, 2024 Net Interest Income/Margin Net interest income ("GAAP") $ 58,924 $ 55,815 $ 55,580 $ 55,605 $ 54,625 $ 114,739 $ 109,052 Taxable equivalent adjustment 192 192 210 218 222 382 443 Net interest income, fully taxable equivalent $ 59,116 $ 56,007 $ 55,790 $ 55,823 $ 54,847 $ 115,121 $ 109,495 Tangible Equity Ratio (period end) Equity to assets ("GAAP") 11.58 % 11.41 % 11.31 % 11.52 % 10.83 % Effect of goodwill and other intangibles, net (2.18 ) (2.18 ) (2.25 ) (2.26 ) (2.33 ) Tangible common equity to tangible assets 9.40 % 9.23 % 9.06 % 9.26 % 8.50 % Expand Commercial Loan Information (period end) Commercial Sector Total % of Total Loans Average DSC Average LTV Natural Gas Extraction $ 38,034 0.88% 2.86 NA Natural Gas Distribution 3,022 0.07% 2.55 NA Masonry Contractors 26,841 0.62% 1.01 100% Sheet Metal Work Manufacturing 25,095 0.58% 1.40 68% Beer & Ale Merchant Wholesalers 25,769 0.60% 1.53 NA Gasoline Stations with Convenience Stores 35,248 0.82% 5.07 65% Lessors of Residential Buildings & Dwellings 480,270 11.11% 1.64 67% 1-4 Family 186,532 4.32% 2.96 71% Multi-Family 200,388 4.64% 1.80 68% Lessors of Nonresidential Buildings 619,128 14.33% 1.42 65% Office Buildings 172,851 4.00% 1.65 62% Lessors of Mini-Warehouses & Self-Storage Units 55,236 1.28% 1.23 60% Assisted Living Facilities 26,080 0.60% 1.46 52% Hotels & Motels 380,882 8.81% 1.77 67% Average Balance Median Balance Commercial, Financial, and Agriculture Loans $ 479 $ 98 Commercial Real Estate Loans 550 127 Expand CITY HOLDING COMPANY AND SUBSIDIARIES Non-GAAP Reconciliations, continued (Unaudited) ($ in 000s, except per share data) Estimated Uninsured Deposits by Deposit Type June 30, 2025 March 31, 2025 Noninterest-Bearing Demand Deposits 16 % 15 % Interest-Bearing Deposits Demand Deposits 14 % 15 % Savings Deposits 12 % 13 % Time Deposits 17 % 17 % Total Deposits 15 % 15 % The amounts listed above represent management's best estimate as of the respective period shown of uninsured deposits (either with balances above $250,000 or not collateralized by investment securities). Expand CITY HOLDING COMPANY AND SUBSIDIARIES Non-GAAP Reconciliations, continued (Unaudited) ($ in 000s, except per share data) Net Growth in DDA Accounts Year New DDA Accounts Net Number of New Accounts Percentage 2025 15,926 2,502 1.0 % 2024 32,238 4,497 1.8 % 2023* 31,745 4,768 1.9 % 2022 28,442 4,544 1.9 % 2021 32,800 8,860 3.8 % 2020 30,360 6,740 3.0 % 2019 32,040 3,717 1.7 % 2018* 30,400 4,310 2.2 % * - amounts exclude accounts added in connection with the acquisitions of Poage Bankshares, Inc. (2018), Farmers Deposit Bancorp, Inc.(2018) and Citizens Commerce Bancshares, Inc. (2023). Expand
