For the quarter ending 2025-09-30, CHCO had $53,470K increase in cash & cash equivalents over the period. $35,753K in free cash flow.
| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net income | 35,188 | 63,729 |
| Amortization, net | 906 | 4,614 |
| (recovery of) provision for credit losses | -500 | -2,000 |
| Depreciation of premises and equipment | 1,048 | 2,096 |
| Deferred income tax (benefit) expense | -1,595 | 1,437 |
| Net periodic pension (benefit) cost | -24 | -48 |
| Gains (losses) on sale of investment securities, net | 133 | -118 |
| Stock-compensation expense | 908 | 1,505 |
| Excess tax expense from stock-compensation | 0 | -473 |
| Increase in value of bank-owned life insurance | 919 | 2,095 |
| Loans originated for sale | 3,422 | 9,692 |
| Proceeds from the sale of loans originated for sale | 3,562 | 8,807 |
| Gain on sale of loans | 70 | 157 |
| Change in accrued interest receivable | 236 | 1,004 |
| Change in other assets | -1,126 | 11,539 |
| Change in other liabilities | 1,454 | 3,490 |
| Net cash provided by operating activities | 37,293 | 59,734 |
| Net increase in loans | 72,345 | 61,983 |
| Purchases | 42,012 | 225,845 |
| Proceeds on sales of available for sale securities | 51,918 | 14,882 |
| Proceeds from maturities and calls | 58,345 | 98,545 |
| Purchases | 25 | 257 |
| Proceeds from sales | 11 | 24 |
| Purchases of premises and equipment | 1,540 | 641 |
| Proceeds from the disposals of premises and equipment | -9 | 46 |
| Proceeds from bank-owned life insurance policies | 0 | 0 |
| Payments for low income housing tax credits | 4,481 | 4,164 |
| Net cash used in investing activities | -10,138 | -179,393 |
| Net increase (decrease) in non-interest-bearing deposits | -5,934 | 38,798 |
| Net increase in interest-bearing deposits | 14,709 | 65,882 |
| Net increase in short-term borrowings | 29,178 | 14,179 |
| Proceeds from long-term debt | 0 | 0 |
| Purchases of treasury stock | 0 | 28,893 |
| Proceeds from exercise of stock options | 0 | 0 |
| Lease payments | 185 | 371 |
| Dividends paid | 11,453 | 23,201 |
| Net cash provided by financing activities | 26,315 | 66,394 |
| Increase in cash and cash equivalents | 53,470 | -53,265 |
| Cash and cash equivalents at beginning of period | 225,389 | - |
| Cash and cash equivalents at end of period | 225,594 | - |
CITY HOLDING CO (CHCO)
CITY HOLDING CO (CHCO)