ex99-1.htm

Investor Presentation

September 2008

Forward Looking Statements

This news release contains certain forward-looking statements that are included pursuant to the safe
harbor provisions of the Private Securities Litigation Reform Act of 1995. Such information
involves risks and uncertainties that could result in the Company’s actual results differing from
those projected in the forward-looking statements. Important factors that could cause actual
results to differ materially from those discussed in such forward-looking statements include, but
are not limited to, (1) the Company may incur additional loan loss provision due to negative
credit quality trends in the future that may lead to a deterioration of asset quality; (2) the
Company may incur increased charge-offs in the future; (3) the Company may experience
increases in the default rates or decreased prepayments on previously securitized loans that
would result in impairment losses or lower the yield on such loans; (4) the Company may
continue to benefit from strong recovery efforts on previously securitized loans resulting in
improved yields on this assets; (5) the Company could have adverse legal actions of a material
nature; (6) the Company may face competitive loss of customers; (7) the Company may be unable
to manage its expense levels; (8) the Company may have difficulty in retaining key employees;
(9) changes in the interest rate environment may have results on the Company's operations
materially different from those anticipated by the Company's market risk management functions;
(10) changes in general economic conditions and increased competition could adversely affect the
Company's operating results; (11) changes in other regulations and government policies affecting
bank holding companies and their subsidiaries, including changes in monetary policies, could
negatively impact the Company's operating results; and (12) the Company may experience
difficulties growing loan and deposit balances. 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.

n Total Assets at June 30, 2008 $2.5 bil

n Net Income in 2007 $51 mil

n Branches 69

n FTE 817

n Market Cap $700 mil

n Institutional Ownership 59%

n Avg Daily Volume $4.8 mil

Key Markets

1st & 9% Market Share

in Huntington WV/Ashland KY MSA

$3.7 Billion

8% Market Share in Morgan,

Berkeley & Jefferson Co. WV

$1.9 Billion

1st & 27% Market Share

$1.7 Billion

2nd & 12% Market Share

in WV’s largest market; $4.7B

CHCO believes that it is well positioned
with respect to interest rate risk:

Immediate Basis Point
Change in Interest
Rates

Estimated Increase of
Decrease in Net Income
between 1-12 months

+200 Bp

-0.1%

+100 Bp

-0.3%

-100 Bp

+0.5%

Data: June 30, 2008

Interest Rate Risk:

CHCO experienced Asset Quality
Deterioration in 2nd Q 2007

NPA’s to Loans & OREO

Largest Non-performing Assets at 6/30/08

n Loan #1 $9 mil Homes at Greenbrier Resort

4 spec homes and 3 lots; Borrower experiencing cash flow problems but current

under terms of agreement. Collateral & Guarantee dependent.

n Loan #2 $2.8 mil Home at Greenbrier (OREO)

Property under contract.

n Loan #3 $1.9 mil Raw Land Development (OREO)

n Loan #4 $1.9 mil Bankrupt Developer

Collateral includes 4 finished homes & 1 unfinished home. 2 are under contract.

n Loan #5 $0.8 mil Commercial Real Estate in Ohio

Owner-occupied bldg. Listed for sale. Appraisal @ $1.6MM.

n Loan #6 $0.6 mil Rental Res. Real Estate

City took properties in lieu of foreclosure. Properties listed for sale.

n Loan #7 $0.4 mil Apartment Complex in Ohio

Listed for sale. Appraised over $500,000.

Past-Due Loans (30+ days)

12/31/05

12/31/06

12/30/07

6/30/08

Residential

1.14%

0.76%

0.91%

0.90%

Home Equity

0.37%

0.34%

0.63%

0.35%

Consumer

2.32%

0.99%

0.86%

0.69%

CMRE

0.11%

0.03%

0.26%

0.15%

C&I

0.12%

1.47%

0.02%

0.22%

Past-due loans trends are stable and reflect better
economics in City’s core markets

Asset Quality Trends:
Provision expense preceded charge-offs

Investment Portfolio: A source of
earnings for CHCO given strong liquidity and
capital

Book Value
6/30/08

T/E Yield

6/30/08

WAM/WAL

Treasury

Agency Debt

Municipals

$ 43.1 MM

$43.1 MM

5.88 %

10.1 yr

MBS

$228.6

$226.5

4.86 %

3.7 yr

Single Issuer Bank Trust Pfd

$ 85.0

$ 77.9

7.88 %

35.26yr

Pool Bank Trust Pfd (10 issues)

$ 22.3

$ 18.4

6.77%

19.94%

Income Notes (4 issues)

$ 2.0

$ 2.3

11.48 %

25.2 yr

Agency Pfds

$ 22.7

$ 21.1

10.80 %

N/A

Corp. Equities

$ 5.5

$ 4.8

5.42 %

N/A

Corp. Debt & BHC Pfds

$ 24.6

$ 24.3

8.42 %

17.1 yr