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City Holding's Business Segments
City Holding's reported revenue by business segment and by geographic region, quarterly and annual, normalized against the consolidated income statement. Free below: the top 3 rows per table, this quarter and this fiscal year. Subscriber access adds the full segment history and operating income by segment.
Segment Data As of FY
Reportable Segments
3
Largest Segment
Deposit Account
Total Revenue
$ 81
Regions Reported
-
Revenue Share by Reportable Segment - FY
- Deposit Account19.4%
- Debit Card17.8%
- Fiduciary and Trust8.3%
Revenue by Reportable Segment - FY
| Segment | Revenue (Millions) | % of Total |
|---|---|---|
| Deposit Account | $ 16 | 19.4% |
| Debit Card | $ 14 | 17.8% |
| Fiduciary and Trust | $ 7 | 8.3% |
Annual Results
Revenue Share by Reportable Segment - FY
- Deposit Account19.4%
- Debit Card17.8%
- Fiduciary and Trust8.3%
Revenue by Reportable Segment - FY
| Segment | Revenue (Millions) | % of Total |
|---|---|---|
| Deposit Account | $ 16 | 19.4% |
| Debit Card | $ 14 | 17.8% |
| Fiduciary and Trust | $ 7 | 8.3% |
Description of City Holding
City Holding Company is a financial holding company headquartered in Charleston,
West Virginia. The Company conducts its principal activities through its wholly-owned
subsidiary, City National Bank of West Virginia (“City National”).
City National provides banking, trust and investment management and other financial
solutions through its network of 85 banking offices located in the states of West
Virginia, Virginia, eastern Kentucky and southeastern Ohio. The Company’s
business activities are currently limited to one reportable business segment,
which is community banking.
City Holding Company, through its subsidiary City National Bank, provides a comprehensive array of financial products and services tailored to meet the diverse needs of both commercial and consumer clients. Below is an extensive overview of the segments they operate in, along with the specific products and services they offer:
1. Commercial Banking
City Nationals commercial banking segment focuses on serving the financial needs of corporations and various business entities. This segment offers a wide range of products and services that include:
- Business Loans: City National provides loans for a multitude of business purposes, which are critical for the growth and operational needs of companies. These include:
- Commercial and Industrial Financing: Tailored loans to support the purchase of equipment, expansion, and operational cash flow.
- Income-Producing Commercial Real Estate Loans: Financing options for purchasing, refinancing, or developing income-producing properties such as office buildings, retail centers, and multifamily residences.
- Owner-Occupied Real Estate Loans: Loans designed for businesses that own the property they occupy, aiding in real estate acquisitions or refinances.
- Construction and Land Development Loans: Financing solutions aimed at funding the development and construction of new buildings or infrastructure projects.
- Depository Services: City National offers a suite of deposit products for commercial customers, including:
- Business Checking Accounts: Flexible checking solutions tailored for diverse business needs.
- Savings and Money Market Accounts: Interest-bearing accounts designed to help businesses manage their funds effectively while earning interest.
- Treasury Management: To optimize cash management, City National provides a variety of treasury management services, such as:
- Lockbox Services: Streamlined processing of payments received by businesses.
- Cash Concentration Services: Tools for consolidating cash across various accounts for improved liquidity management.
- Merchant Credit Card Services: Facilitated through third-party vendors, allowing businesses to accept credit card payments efficiently.
Consumer Banking
The consumer banking segment at City National caters to individual clients with a variety of products designed to meet everyday financial needs, which include:
- Deposit Accounts: A range of accounts for personal banking needs such as:
- Checking Accounts: Regular and interest-bearing options with various features.
- Savings Accounts: For personal savings with competitive interest rates.
- Money Market Accounts: Offering higher interest rates with flexibility in access to funds.
- Certificates of Deposit (CDs): Fixed-term accounts that provide higher returns in exchange for locking in funds for a specified period.
- Individual Retirement Accounts (IRAs): Tax-advantaged accounts aimed at retirement savings.
- Loans and Credit Products: City National helps individuals with various borrowing needs:
- Installment Loans: Personal loans with set repayment terms and fixed monthly payments.
- Home Equity Lines of Credit (HELOCs): Flexible lines of credit secured by the equity in a borrowers home.
- Real Estate Loans: Financing for the purchase of residential real estate.
- Credit Cards: City National offers credit cards in partnership with third-party vendors, featuring various benefits and rewards tailored for consumer needs.
Mortgage Banking
City Nationals mortgage banking services are designed to assist individuals and families in securing financing for their home purchases and refinances. This segment includes:
- Mortgage Products: A comprehensive offering of mortgage products, including:
- Fixed-Rate Mortgages: Loans with a fixed interest rate for the entire term, providing predictable monthly payments.
- Adjustable-Rate Mortgages (ARMs): Loans with interest rates that may change based on market conditions after an initial fixed period.
- Construction Financing: Financing solutions for borrowers looking to build their own homes or undertake significant renovations.
- Government-Insured Mortgages: Options for loans backed by government entities, making them more accessible for a wider range of borrowers.
- Mortgage Servicing: Management and servicing of mortgage loans post-closing to ensure smooth repayment processes for borrowers.
Wealth Management and Trust Services
City National offers a suite of wealth management and trust services aimed at assisting clients in growing and protecting their assets. This segment includes:
- Investment Management: Services designed for individuals, businesses, and institutions to manage and grow their investments, including:
- Portfolio Management: Tailored investment strategies aligned with clients’ financial goals.
- Trust and Estate Administration: Handling of personal trusts and estates, ensuring that clients wishes are honored posthumously, and assets are managed responsibly.
- Corporate Trust Services: Providing custodial and administrative services to corporations and institutions needing to manage employee benefit plans or oversee fiduciary responsibilities.
- Estate Planning: Services helping individuals plan their estates effectively, focusing on tax efficiency and asset distribution.
- Retirement Plan Services: Comprehensive retirement solutions for businesses, including the setup and management of retirement plans for employees.
Through these diverse offerings, City Holding Company aims to cater to a broad spectrum of financial needs for both commercial entities and individual consumers, ensuring a commitment to tailored financial solutions and customer satisfaction.
1. Commercial Banking
City Nationals commercial banking segment focuses on serving the financial needs of corporations and various business entities. This segment offers a wide range of products and services that include:
- Business Loans: City National provides loans for a multitude of business purposes, which are critical for the growth and operational needs of companies. These include:
- Commercial and Industrial Financing: Tailored loans to support the purchase of equipment, expansion, and operational cash flow.
- Income-Producing Commercial Real Estate Loans: Financing options for purchasing, refinancing, or developing income-producing properties such as office buildings, retail centers, and multifamily residences.
- Owner-Occupied Real Estate Loans: Loans designed for businesses that own the property they occupy, aiding in real estate acquisitions or refinances.
- Construction and Land Development Loans: Financing solutions aimed at funding the development and construction of new buildings or infrastructure projects.
- Depository Services: City National offers a suite of deposit products for commercial customers, including:
- Business Checking Accounts: Flexible checking solutions tailored for diverse business needs.
- Savings and Money Market Accounts: Interest-bearing accounts designed to help businesses manage their funds effectively while earning interest.
- Treasury Management: To optimize cash management, City National provides a variety of treasury management services, such as:
- Lockbox Services: Streamlined processing of payments received by businesses.
- Cash Concentration Services: Tools for consolidating cash across various accounts for improved liquidity management.
- Merchant Credit Card Services: Facilitated through third-party vendors, allowing businesses to accept credit card payments efficiently.
Consumer Banking
The consumer banking segment at City National caters to individual clients with a variety of products designed to meet everyday financial needs, which include:
- Deposit Accounts: A range of accounts for personal banking needs such as:
- Checking Accounts: Regular and interest-bearing options with various features.
- Savings Accounts: For personal savings with competitive interest rates.
- Money Market Accounts: Offering higher interest rates with flexibility in access to funds.
- Certificates of Deposit (CDs): Fixed-term accounts that provide higher returns in exchange for locking in funds for a specified period.
- Individual Retirement Accounts (IRAs): Tax-advantaged accounts aimed at retirement savings.
- Loans and Credit Products: City National helps individuals with various borrowing needs:
- Installment Loans: Personal loans with set repayment terms and fixed monthly payments.
- Home Equity Lines of Credit (HELOCs): Flexible lines of credit secured by the equity in a borrowers home.
- Real Estate Loans: Financing for the purchase of residential real estate.
- Credit Cards: City National offers credit cards in partnership with third-party vendors, featuring various benefits and rewards tailored for consumer needs.
Mortgage Banking
City Nationals mortgage banking services are designed to assist individuals and families in securing financing for their home purchases and refinances. This segment includes:
- Mortgage Products: A comprehensive offering of mortgage products, including:
- Fixed-Rate Mortgages: Loans with a fixed interest rate for the entire term, providing predictable monthly payments.
- Adjustable-Rate Mortgages (ARMs): Loans with interest rates that may change based on market conditions after an initial fixed period.
- Construction Financing: Financing solutions for borrowers looking to build their own homes or undertake significant renovations.
- Government-Insured Mortgages: Options for loans backed by government entities, making them more accessible for a wider range of borrowers.
- Mortgage Servicing: Management and servicing of mortgage loans post-closing to ensure smooth repayment processes for borrowers.
Wealth Management and Trust Services
City National offers a suite of wealth management and trust services aimed at assisting clients in growing and protecting their assets. This segment includes:
- Investment Management: Services designed for individuals, businesses, and institutions to manage and grow their investments, including:
- Portfolio Management: Tailored investment strategies aligned with clients’ financial goals.
- Trust and Estate Administration: Handling of personal trusts and estates, ensuring that clients wishes are honored posthumously, and assets are managed responsibly.
- Corporate Trust Services: Providing custodial and administrative services to corporations and institutions needing to manage employee benefit plans or oversee fiduciary responsibilities.
- Estate Planning: Services helping individuals plan their estates effectively, focusing on tax efficiency and asset distribution.
- Retirement Plan Services: Comprehensive retirement solutions for businesses, including the setup and management of retirement plans for employees.
Through these diverse offerings, City Holding Company aims to cater to a broad spectrum of financial needs for both commercial entities and individual consumers, ensuring a commitment to tailored financial solutions and customer satisfaction.