8-K

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D. C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): April 30, 2003

CITY HOLDING COMPANY

(Exact name of registrant as specified in its charter)

West Virginia	0-17733	55-0619957
(State or other jurisdiction of incorporation or organization)	(Commission File No.)	(IRS Employer Identification Number)

25 Gatewater Road

Charleston, West Virginia, 25313

(Address of principal executive offices)

(304) 769-1100

(Registrant’s telephone number, including area code)

Not applicable

(Former name, former address and former fiscal year, if changed since last report)

Item 7.    Financial Statements, Pro Forma Financial Information and Exhibits

(c)    Exhibits

99.1 Copies of slide presentation

Item 9.    Regulation FD Disclosure

Today, City Holding Company held its Annual Meeting of Shareholders in Charleston, West Virginia, during which Gerald R. Francis, Chairman, President and Chief Executive Officer delivered a presentation regarding the Company’s financial performance. Copies of the slides used in the presentation are attached as Exhibit 99.1.

This report, which is furnished under Item 9 and Item 12 of Form 8-K (“Results of Operations and Financial Condition”) in accordance with SEC Release Nos. 33-8216; 34-47583, is not to be deemed an admission as to the materiality of any information in the report that is required to be disclosed by Regulation FD.

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

CITY HOLDING COMPANY

Date: April 30, 2003

By:    /s/    Michael D. Dean 

Michael D. Dean

Senior Vice President — Finance,

Chief Accounting Officer and

Duly Authorized Officer

EX-99.1

Exhibit 99.1

Welcome

Annual Shareholders Meeting

April 30, 2003

Our Business Model

•   We are a retail bank

•   We focus on core deposit gathering

•   We employ a simple business model

2

Key Markets

25 Gatewater Road

Charleston, West Virginia 25313

(304) 769-1106

www.cityholding.com

3

City Holding Company Profile

n   55 branches reaching 149,000 households through 276,000 accounts

n     Principal Markets Include:

¨ Charleston (Capitol Region)

•   34% of CHCO’s deposits

¨ Beckley/Lewisburg (Allegheny Region)

•   31% of CHCO’s deposits

¨ Huntington (Tri-State Region)

• 16% of CHCO’s deposits

¨ Eastern Panhandle (Blue Ridge Region)

• 7% of CHCO’s deposits

4

Deposit Market Share

Source: FDIC Market Share Deposit data as of June 30, 2002

5

City National Bank

Customer Profile

Source: Internal data as of March 31, 2003

6

City National Bank

Customer Profile

Source: Internal data as of March 31, 2003

7

High Quality and Stable Source of Funds

Liability Mix

(as of March 31, 2003)

City National Bank	Peer Group*
n Transaction & Savings Deposits	n Transaction & Savings Deposits
n Time <$100K	n Time <$100K
n Time>$100K; Repo & Other Borrowings	n Time>$100K; Repo & Other Borrowings

*$1-3 billion peer group as compiled by the FFIEC in their Uniform Bank Performance Reports

8

Conservative Lending Focus

• Focus on originating in-market loans secured by real estate

• Exited the indirect lending and out-of-market loan business

• Non-performing assets totaled $3.1M as of March 31, 2003

– Non-performing assets represent 0.27% of total loans and other real estate owned

9

Granularity of Loan Portfolio

Loan Mix

(as of March 31, 2003)

City National Bank Peer Group*

n Residential Real Estate	n Home Equity	n Consumer/Other	n Residential Real Estate	n Home Equity	n Consumer/Other
¨ Commercial Real Estate	n C&I		¨ Commercial Real Estate	n C&I

• The loan portfolio contains only five loan relationships with outstanding balances in excess of $5M

*$1-3 billion peer group as compiled by the FFIEC in their Uniform Bank Performance Reports

10

Granularity of Loans Portfolio

(as of March 31, 2003)

• Loan comprised 58.4% of City’s assets and are diversified by type

Loan Breakdown	Balance ($000)
Residential Real Estate	$	463,813
Home Equity	$	232,048
Commercial Real Estate	$	288,724
Other Commercial	$	88,824
Installment	$	53,488
Indirect	$	41,475
Credit Card	$	18,780
Total Loans	$	1,187,152

11

Conservative Lending Focus

Real Estate v. Non-Real Estate

Loans

(as of March 31, 2003)

Other Loans

      20%

Loans Secured By

    Real Estate

        80%

12

High Level of Liquidity

• Loan-to-deposit ratio was 75% as of March 31, 2003

• Investment portfolio represents 25% of assets

• $55 million in overnight investments, fed funds sold, and term fed funds sold

• High level of liquidity is augmented by a primarily unpledged investment portfolio and a limited use of wholesale funding

13

High Asset Quality and Strong Reserves

No loan loss provision was deemed necessary during the Second Half of 2002 and Q1 2003

14

Revenue Profile

Data as of March 31, 2003

*$1-3 billion peer group as compiled by the FFIEC in their Uniform Bank Performance Reports

15

Current Performance

16

Performance Objectives

17

Named 7^th Top Performing Stock in 2002 by Bloomberg 100 and only bank in the top 10

Over two year period, 391% appreciation is best of all USA banks and 4^th best of all USA publicly traded companies

Questions?