For the year ending 2025-12-31, CHCO had -$33,470K decrease in cash & cash equivalents over the period. $128,448K in free cash flow.
| Cash Flow | 2025-12-31 |
|---|---|
| Net income available to common shareholders | 130,485 |
| Amortization, net | -6,889 |
| (recovery of) provision for credit losses | -1,400 |
| Depreciation of premises and equipment | 4,288 |
| Deferred income tax (benefit) expense | -50 |
| Net periodic employee (benefit) cost | -96 |
| Unrealized and realized securities losses, net | -401 |
| Stock-based compensation expense | 3,384 |
| Excess tax benefit from stock-compensation expense | -493 |
| Increase in value of bank-owned life insurance | 3,878 |
| Loans originated for sale | 17,311 |
| Proceeds from the sale of loans originated for sale | 17,599 |
| Gain on sale of loans | 288 |
| Change in accrued interest receivable | 68 |
| Change in other assets | 18,848 |
| Change in other liabilities | 9,772 |
| Net cash provided by operating activities | 131,372 |
| Net increase in loans | 229,759 |
| Purchases | 328,714 |
| Proceeds from sales | 66,800 |
| Proceeds from maturities and calls | 234,789 |
| Purchases | 308 |
| Proceeds from sales | 50 |
| Proceeds from maturities and calls | 0 |
| Purchases of premises and equipment | 2,924 |
| Proceeds from the disposals of premises and equipment | 42 |
| Proceeds from bank-owned life insurance policies | 0 |
| Payments for low income housing tax credits | 9,894 |
| Acquisition of citizens commerce bancshares, inc | 0 |
| Net cash (used in) provided by investing activities | -269,918 |
| Net increase (decrease) in noninterest-bearing deposits | 69,172 |
| Net increase (decrease) in interest-bearing deposits | 87,681 |
| Net increase (decrease) in customer repurchase agreements | 42,019 |
| Proceeds from fhlb long-term advances | 0 |
| Purchases of treasury stock | 45,760 |
| Proceeds from exercise of stock options | 0 |
| Lease payments | -742 |
| Dividends paid | 47,294 |
| Net cash provided by (used in) financing activities | 105,076 |
| (decrease) increase in cash and cash equivalents | -33,470 |
| Cash and cash equivalents at beginning of period | 225,389 |
| Cash and cash equivalents at end of period | 191,919 |
CITY HOLDING CO (CHCO)
CITY HOLDING CO (CHCO)