ex99-1.htm

n Total Assets $2.6 bil

n Branches 67

n FTE 815

n Market Cap $560 mil

n Institutional Ownership 62%

n Average Daily Volume $2.7 mil

Date: April 20, 2010

City Holding Company:

n Markets: Operates an extremely strong
retail/commercial franchise in stable markets with
disciplined competition

n Asset Quality: Strong compared to peers and City’s
management has recognized and dealt with issues

n Performance: Has Consistently outperformed
peers with respect to earnings, capital, and liquidity

n Growth: Growing and succeeding in slow-growth
stable markets with targeted expansion into new
markets

1st Branch Share & 9% Deposit Share

in Huntington WV/Ashland KY MSA

$3.8 Billion

1st Branch Share & 10% Deposit Share

in WV’s largest market; $5.3B

1st & 27% Deposit Share

$2.0 Billion

2nd Branch Share & 8% Deposit

Share in Morgan, Berkeley

& Jefferson Co. WV

$1.9 Billion

Key Markets

Asset Quality: a function of culture
and market

• City’s Loans are 60% Retail/40% Commercial

• City’s market area tends to be more stable

• Real Estate prices in City’s market area have

been relatively stable

• City’s Past-due loan trends are stable

• City’s non-performing asset levels are

stronger than peers

• City has been aggressive about charging

down non-performing loans

Loan to Deposits 82.8%

Loan to Deposits 86.5%

Sample of 296 publicly traded banks
and thrifts with assets between $1-$10
billion as of December 31, 2009

As of December 31, 2009

Retail Loan Facts:

•Residential RE are 1,3,5 and 10 Yr ARMs

•No Sub-prime, Interest-only, Option Adjustable

•Home Equity loans include LOCs, fixed amortizing
loans, non-purchase adjustable loans

•65% of Home Equity Loans are 1st Lien Position

•66% of Home Equity Loans have a LTV < 80%.

•Ave Loan Balance for Residential RE is $78,000

•Ave Loan Balance for Home Equity loans is $35,000

Greenbrier Resort Speculative
Properties - 3/31/10

Original Loan Balances $ 18.2 MM

Current Loan Book Balance net of reserves $ 3.8 MM

OREO after Charge-off’s $ 7.8 MM

On-Balance Sheet: $ 12.6 MM

(64% of orig loan)

Investment Portfolio at 12/31/09

	Original Cost	Other than Temporary Credit Impairment Charges (Cumm)	Unrealized Gains/ (Losses)	Carrying Value
Municipals	$ 54.5	$0	$0.7	$55.2
MBS	$280.8	$0	$8.9	$289.7
Pool Bank Trust Pfd	$ 29.6	($18.2)	($4.6)	$6.8
Single Issue Bank Trust Pfd; Bank Holding Company Pfd; Sub-debt of FI’s	$107.0	($1.6)	$0	$105.4
Money Markets & Mutual Funds	$80.2	$0	$0	$80.2
Fed & FHLB Stock	$ 12.9	$0	$0	$12.9
Bank Equities	$ 10.1	($1.7)	($2.9)	$5.4

Performance: CHCO has been
consistently among the strongest:

	2005	2006	2007	2008	2009	2009 Peers** Median
Reported ROA	2.09%	2.11%	2.03%	1.12%	1.63%	0.46% - 95th %ile
ROTE	22.3%	22.4%	21.0%	11.4%	18.0%	6.62% - 95th %ile
Tangible Common Equity/TA	9.5%	10.1%	9.7%	8.83%	9.78%	7.4% - 95th %ile
NIM	4.49%	4.56%	4.34%	4.64%	4.18%	3.76%- 90th %ile
Efficiency Ratio	46.7%	44.5%	45.9%	46.3%	50.0%	59.9% - 100th %ile
Non-Int Rev/Total Rev*	34%	34%	34%	36%	28.2%	28.1% - 100th %ile

* Non-Int Rev excludes gain on Visa IPO; Securities Losses

•** Peer Group of 19 Regional Banks of comparable size & geography

Yet, strong bottom line results continue
net of security gains& losses:

Reported EPS Core EPS

Source: SNL (Core Earnings exclude Invest Security
Gains/Losses and Non-recurring Income

Previously Securitized Loans:

Core growth in revenues in 2003-2009 offset
lower earnings from PSL balances

	2004	2005	2006	2007	2008	2009	2010 proj
Average Balances	$83.5 MM	$42.9 MM	$22.3 MM	$10.5 MM	$5.2 MM	$3.9 MM	$1.3 MM
Rate	17.4%	26.6%	42.2%	69.1%	108%	128%	219%
Gross Interest Revenue	$14.5 MM	$11.4 MM	$9.4 MM	$7.3 MM	$5.6 MM	$3.9 MM	$2.9 MM

CHCO’s Cost of Funds Advantage:

	CHCO	Peers Ave	Advantage
CD’s	3.16%	2.75%	(41 Bps)
Interest Bearing Deposits	1.95%	1.90%	(5 Bps)
Total Deposits	1.65%	1.69%	4 Bps
Interest Bearing Liabilities	1.87%	2.18%	31 Bps

Data: 2009. Peers reflect publicly traded $1 to $10
billion banks reporting these rates

Strong Deposit Franchise drives top
decile Non-Interest Revenue:

24%

76%

63%

*As of December 31, 2009. Non-
interest income excludes other than
temporary impairment losses and
VISA IPO gain

Sample of 295 reporting publicly traded
banks and thrifts with assets between
$1 and $10 billion as of December 31,
2009, excluding investment
gains/losses

94th percentile

- Purchased $600 million during 2005-2006
- Sold late 2008
- Positions CHCO for rising rates

Notional	Prime Rate	Term Date
$100MM	8%	June 2011
$100MM	7.75%	May 2011
$100MM	6%	June 2010

Prime-based Floors:

CHCO is well positioned with respect to
interest rate risk:

Immediate Basis Point Change in Interest Rates	Estimated Increase or Decrease in Net Income between 1-12 months
+300 Bp	+12.7%
+200 Bp	7.7%
+100 Bp	2.1%

Data: March 31, 2010

Interest Rate Risk to Net
Interest Margin:

Interest Rate Risk Summary:

u CHCO is less dependent upon NII than its
peers

t Fee income in top 10% of peer group

u CHCO’s NIM is strong relative to peers based
upon strong core deposit franchise

u Due to Prime-based floors, CHCO’s NIM is in
the top decile within its peer group:

t In 1st Q of 2010, Prime-based floors were
worth 26 bp of NIM

u CHCO is positioned to benefit from economic
recovery and higher interest rates:

t An increase of 300 Bp in rates would result
in an increase of 35 bp of NIM

GROWTH: CHCO is positioned
to achieve “reasonable growth”

n Commercial

n Retail

n Insurance

n Trust & Investment Management

Major Competitors:

	Branches	Deposits
CHCO	67	$ 2.2 B
BBT	36	$ 3.3 B
JPM	20	$ 1.2 B
UBSI	20	$ 1.2 B
HBAN	14	$ 0.9 B
FITB	10	$ 0.4 B

Includes branches within 5 miles of City Branch

Source: SNL

n Opportunity:
City’s mix is 40%
Commercial/60%
Retail reflecting
City’s historic retail
focus.

n Opportunity: Some
competitors have
stopped lending.

n Opportunity:
City has launched a
successful new cash
management initiative
to address depository
needs of larger
business customers.

Expansion into Bluefield WV-VA:

Bluefield WV-VA:

County Deposits:$1.7 billion

Branches: 50

Largest Competitors: BB&T (27%), FCBC (26%)

City’s Newest Location: Hurricane WV

Putnam Co. WV:

County Deposits:$761 MM

Branches: 18

Largest Competitors:

Putnam Co. Bank (50%)

BB&T (10%)

CityInsurance

n 2006 Revenues $2.3 million

n 2007 $4.1 million

n 2008 $4.2 million

n 2009 $5.6 million

Strategies:

u Added Workers Compensation Dept in 2006/7

u Added Personal Lines Department in 2006/7

u Opened Beckley WV Office in 2006/7

u Opened Martinsburg Office in 4th Q 2008

u Opened Ashland Office in 4th Q 2008

u Acquired Nitro-based Patton Ins. Agency in Dec 2008

u Added Medicus Representation in late 2008

u Acquired Teays Valley based Dickens & Clark in Apr 09

u Added Martinsburg Office in 2009

CHCO: Capital Flexibility

Tangible Common Equity at 3/31/10: 9.81%

No TARP!!!!

Dividends

- Increased 10% in April 2004 to $0.88

- Increased 14% in April 2005 to $1.00

- Increased 12% in April 2006 to $1.12

- Increased 11% in April 2007 to $1.24

- Increased 10% in April 2008 to $1.36

- Dividend Yield of 3.90%

- Dividend Payout Ratio of 51% (Analyst Est. EPS)

Share Repurchases

- Purchased 1,784,458 shares in 2007, 2008 and 2009
(10.2% of outstanding shares at 12/31/06);

- Driven by CHCO’s strong profitability, CHCO can
achieve greater long-term share repurchase activity
than peers.

Pricing Metrics*:

n Price to Book: 179%

n Price to Tangible Book: 219%

n Price to 2010 Projected Earnings** 13.4x

n Dividend Yield 3.9%

n Div Payout Ratio (First Call)** 51%

n Tangible Capital/Tangible Assets 9.81%

n Institutional Ownership 62%

* Based on Price of $35.39 (4/20/10)

** Based on analyst estimate of $2.65 (average of 7)

CHCO represents good value and
stability