<SEC-DOCUMENT>0000726854-15-000044.txt : 20151110
<SEC-HEADER>0000726854-15-000044.hdr.sgml : 20151110
<ACCEPTANCE-DATETIME>20151109165653
ACCESSION NUMBER:		0000726854-15-000044
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		3
CONFORMED PERIOD OF REPORT:	20151109
ITEM INFORMATION:		Other Events
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20151109
DATE AS OF CHANGE:		20151109

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			CITY HOLDING CO
		CENTRAL INDEX KEY:			0000726854
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		IRS NUMBER:				550619957
		STATE OF INCORPORATION:			WV
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-11733
		FILM NUMBER:		151216444

	BUSINESS ADDRESS:	
		STREET 1:		25 GATEWATER ROAD
		STREET 2:		P O BOX 7520
		CITY:			CHARLESTON
		STATE:			WV
		ZIP:			25313
		BUSINESS PHONE:		3047691100

	MAIL ADDRESS:	
		STREET 1:		25 GATEWATER ROAD
		STREET 2:		P O BOX 7520
		CITY:			CHARLESTON
		STATE:			WV
		ZIP:			25313
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>form8-kafbbranches.htm
<DESCRIPTION>8-K, CHCO AFB BRANCH PURCHASE
<TEXT>
<!DOCTYPE html PUBLIC "-//W3C//DTD HTML 4.01 Transitional//EN" "http://www.w3.org/TR/html4/loose.dtd">
<html>
	<head>
		<!-- Document created using Wdesk 1 -->
		<!-- Copyright 2015 Workiva -->
		<title>8-K</title>
	</head>
	<body style="font-family:Times New Roman;font-size:10pt;">
<a name="s5F35808D49287F271D2AEE1D1520CD45"></a><div></div><br><div style="line-height:120%;text-align:center;font-size:18pt;"><font style="font-family:inherit;font-size:18pt;font-weight:bold;">UNITED STATES </font></div><div style="line-height:120%;text-align:center;font-size:18pt;"><font style="font-family:inherit;font-size:18pt;font-weight:bold;">SECURITIES AND EXCHANGE COMMISSION </font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Washington, D.C., 20549</font></div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div><div style="line-height:120%;text-align:center;font-size:18pt;"><font style="font-family:inherit;font-size:18pt;font-weight:bold;">FORM 8-K</font></div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div><div style="line-height:120%;text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">CURRENT REPORT </font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Pursuant to Section 13 or 15(d) of</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">the Securities Exchange Act of 1934 </font></div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Date of Report (Date of Earliest Event Reported)</font></div><div style="line-height:120%;text-align:center;font-size:14pt;"><font style="font-family:inherit;font-size:14pt;font-weight:bold;">November 6, 2015</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:center;"><img src="form8kafbbranches_image1a01.jpg" style="height:74px;width:216px;"></div><div style="line-height:120%;text-align:center;font-size:14pt;"><font style="font-family:inherit;font-size:14pt;font-weight:bold;">CITY HOLDING COMPANY</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">(Exact Name of Registrant as Specified in its Charter) </font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">Commission File Number: 0-11733</font></div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="2"></td></tr><tr><td width="50%"></td><td width="50%"></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">West Virginia</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">55-0619957</font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(State or Other Jurisdiction of</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(I.R.S. Employer</font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Incorporation or Organization)</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Identification No.)</font></div></td></tr></table></div></div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div><div style="line-height:120%;text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">25 Gatewater Road, Cross Lanes, WV 25313</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(Address of Principal Executive Offices, Including Zip Code)</font></div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div><div style="line-height:120%;text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">304-769-1100</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(Registrant&#8217;s Telephone Number, Including Area Code)</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (</font><font style="font-family:inherit;font-size:10pt;text-decoration:underline;">see</font><font style="font-family:inherit;font-size:10pt;">&#32;General Instruction A.2. below): </font></div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div><div style="line-height:120%;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="2"></td></tr><tr><td width="4%"></td><td width="96%"></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#61608;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#61608;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Soliciting material pursuant to Rule 14a-12(b) under the Exchange Act (17 CFR 240.14a-12)</font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#61608;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))</font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#61608;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17CFR240.13e-4(c))</font></div></td></tr></table></div></div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><br><div style="text-align:center;"><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">-</font><font style="font-family:inherit;font-size:10pt;">1</font><font style="font-family:inherit;font-size:10pt;">-</font></div></div><hr style="page-break-after:always"><a name="s5F35808D49287F271D2AEE1D1520CD45"></a><div></div><br><div style="line-height:120%;text-align:center;font-size:14pt;"><font style="font-family:inherit;font-size:14pt;font-weight:bold;">Section 8 &#8211; Other Events</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:96px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:12pt;padding-left:0px;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">Item 8.01</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:left;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">Other Events.</font></div></td></tr></table><div style="line-height:120%;text-align:center;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">On November 6, 2015, City National Bank of West Virginia (&#8220;City National&#8221;), a wholly-owned subsidiary of City Holding Company, consummated the acquisition of American Founders Bank, Inc.&#8217;s (&#8220;AFB&#8221;) three Lexington, Kentucky branch locations (the &#8220;Acquisition&#8221;), pursuant to that certain Branch Purchase and Assumption Agreement, dated May 29, 2015 (the &#8220;Purchase Agreement&#8221;).&#160; City National acquired approximately $119 million in performing loans and assumed deposit liabilities of approximately $145 million.&#160;&#160;City National paid AFB a deposit premium of 5.5% on non-time deposits, and 1.0% on premium loan balances acquired. </font></div><div style="line-height:120%;text-align:justify;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">A copy of the press release announcing the consummation of the Acquisition is filed as Exhibit 99.1 hereto. </font></div><div style="line-height:120%;text-align:justify;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:120%;text-align:justify;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;font-weight:bold;">Forward Looking Statements</font></div><div style="line-height:120%;text-align:justify;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">This Current Report on Form 8-K and the press release included as Exhibit 99.1 contain forward-looking statements within the meaning of Section 27A of the Securities Act of 1933 and Section 21E of the Securities Exchange Act of 1934.&#160;&#160;These forward-looking statements are intended to be covered by the safe harbor provisions for forward-looking statements contained in the Private Securities Litigation Reform Act of 1995.&#160;&#160;These forward-looking statements include, but are not limited to, statements identified by words such as &#8220;expects,&#8221; &#8220;anticipates,&#8221; &#8220;intends,&#8221; &#8220;plans,&#8221; &#8220;believes,&#8221; &#8220;seeks,&#8221; &#8220;estimates,&#8221; &#8220;targets,&#8221; &#8220;projects,&#8221; or words of similar meaning generally intended to identify forward-looking statements.&#160;&#160;These forward-looking statements are based upon the current beliefs and expectations of the management of City and are inherently subject to significant business, economic and competitive uncertainties and contingencies, many of which are beyond the control of City.&#160;&#160;In addition, these forward-looking statements are subject to assumptions with respect to future business strategies and decisions that are subject to change.&#160;&#160;Actual results may differ materially from the anticipated results discussed in these forward-looking statements because of possible uncertainties.  Additional factors that could cause actual results to differ materially from those expressed in the forward-looking statements are discussed in City&#8217;s reports (such as its Annual Report on Form 10-K, Quarterly Reports on Form 10-Q and Current Reports on Form 8-K) filed with the Securities and Exchange Commission and available on the SEC&#8217;s Internet site (www.sec.gov) and on City&#8217;s website (bankatcity.com).  City does not undertake any obligation to update any forward-looking statement to reflect circumstances or events that occur after the date the forward-looking statements are made. </font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:center;font-size:14pt;"><font style="font-family:inherit;font-size:14pt;font-weight:bold;">Section 9 - Financial Statements and Exhibits</font></div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">Item 9.01 Financial Statements and Exhibits.</font></div><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;padding-bottom:6px;padding-top:6px;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">(d)&#160;&#160;&#160;&#160;Exhibits.</font></div><div style="line-height:120%;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:120%;font-size:11pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="2"></td></tr><tr><td width="41%"></td><td width="59%"></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:6px;padding-bottom:6px;padding-right:2px;"><div style="padding-bottom:6px;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">99.1</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:6px;padding-bottom:6px;padding-right:2px;"><div style="padding-bottom:6px;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">Press release issued by City Holding Company on November 9, 2015.</font></div></td></tr></table></div></div><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:center;font-size:14pt;"><font style="font-family:inherit;font-size:14pt;font-weight:bold;">Signatures</font></div><br><div style="text-align:center;"><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">-</font><font style="font-family:inherit;font-size:10pt;">2</font><font style="font-family:inherit;font-size:10pt;">-</font></div></div><hr style="page-break-after:always"><a name="s5F35808D49287F271D2AEE1D1520CD45"></a><div></div><br><div style="line-height:120%;text-align:left;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;"><br></font></div><div style="line-height:120%;text-align:left;text-indent:48px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">Pursuant to the requirements of the Securities and Exchange Act of 1934, the Registrant has duly caused this Report to be signed on its behalf by the Undersigned hereunto duly authorized. </font></div><div style="line-height:120%;text-align:left;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;"><br></font></div><div style="line-height:120%;text-align:left;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;"><br></font></div><div style="line-height:120%;font-size:12pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="2"></td></tr><tr><td width="46%"></td><td width="54%"></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">Dated: </font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">November 9, 2015</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">City Holding Company</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:18px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:18px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:18px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:18px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:right;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">By:</font></div></td><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">/s/ David L. Bumgarner</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">David L. Bumgarner</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">Chief Financial Officer</font></div></td></tr></table></div></div><div style="line-height:120%;text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;"><br></font></div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><br><div style="text-align:center;"><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">-</font><font style="font-family:inherit;font-size:10pt;">3</font><font style="font-family:inherit;font-size:10pt;">-</font></div></div>	</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>2
<FILENAME>consummationofpurchase-afb.htm
<DESCRIPTION>EXHIBIT 99.1, AFB BRANCH PURCHASE
<TEXT>
<!DOCTYPE html PUBLIC "-//W3C//DTD HTML 4.01 Transitional//EN" "http://www.w3.org/TR/html4/loose.dtd">
<html>
	<head>
		<!-- Document created using Wdesk 1 -->
		<!-- Copyright 2015 Workiva -->
		<title>Exhibit</title>
	</head>
	<body style="font-family:Times New Roman;font-size:10pt;">
<a name="s0761174A8337CE07F340EE21BD7E8ADF"></a><div></div><br><div style="line-height:120%;text-align:justify;text-indent:576px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-style:italic;font-weight:bold;">Exhibit 99.1</font></div><div style="line-height:120%;text-align:justify;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;"><br></font></div><div style="line-height:120%;text-align:justify;font-size:28pt;"><font style="font-family:inherit;font-size:28pt;font-style:italic;font-weight:bold;">NEWS RELEASE</font></div><div style="line-height:120%;"><hr></div><div style="line-height:120%;text-align:justify;text-indent:576px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">For Immediate Release</font></div><div style="line-height:120%;text-align:justify;text-indent:576px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">November 9, 2015</font></div><div style="line-height:120%;text-align:left;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">For Further Information Contact:</font></div><div style="line-height:120%;text-align:left;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">Charles R. Hageboeck, President and Chief Executive Officer</font></div><div style="line-height:120%;text-align:justify;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(304) 769-1102</font></div><div style="line-height:120%;text-align:left;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;"><br></font></div><div style="line-height:120%;text-align:left;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;"><br></font></div><div style="line-height:120%;text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">City Holding Company Completes Purchase of American Founders Bank branches in Lexington, Kentucky</font></div><div style="line-height:120%;text-align:justify;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;"><br></font></div><div style="line-height:120%;text-align:justify;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;"><br></font></div><div style="line-height:120%;text-align:left;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">Charleston, West Virginia &#8211; City Holding Company, &#8220;City&#8221; (NASDAQ:CHCO) is pleased to announce that City&#8217;s wholly-owned subsidiary City National Bank of West Virginia has completed the purchase of three branches in Lexington, Kentucky from American Founders Bank, Inc. (&#8220;AFB&#8221;), a wholly-owned subsidiary of Financial Holdings, Inc. The purchase, which was announced in June 2015, adds approximately $145 million in deposits and $119 million in loans. With the purchase of these three branches, City grows to $3.8 billion in assets and operates 85 banking offices in West Virginia, Virginia, Kentucky, and Ohio.    </font></div><div style="line-height:120%;text-align:left;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;"><br></font></div><div style="line-height:120%;text-align:left;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">City&#8217;s President and Chief Executive Officer, Skip Hageboeck, stated, &#8220;We are very excited about our opportunities for growth in the Lexington area, which is one of the best markets in this region of the country. It is a pleasure to welcome AFB&#8217;s President, Bill Craycraft, a veteran Lexington banker, and his experienced Lexington team, excellent staff, and loyal customers into the City family.&#8221;</font></div><div style="line-height:120%;text-align:left;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;"><br></font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">About City Holding Company</font></div><div style="line-height:120%;padding-bottom:16px;text-align:left;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">City is a $3.8 billion diversified financial holding company with its headquarters in Charleston, West Virginia. City National Bank (the principal banking subsidiary of City) operates 85 branch locations serving communities across West Virginia, Virginia, Kentucky, and Ohio. City&#8217;s common stock pays a dividend of $1.68 annually. Additional information is available at </font><font style="font-family:inherit;font-size:12pt;color:#0000ff;text-decoration:underline;">www.bankatcity.com</font><font style="font-family:inherit;font-size:12pt;">. </font></div><div style="line-height:120%;padding-bottom:16px;text-align:left;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-style:italic;">Forward-Looking Statements</font></div><div style="line-height:120%;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;font-style:italic;">This press release contains forward-looking statements within the meaning of Section 27A of the Securities Act of 1933 and Section 21E of the Securities Exchange Act of 1934. These forward-looking statements are intended to be covered by the safe harbor provisions for forward-looking statements contained in the Private Securities Litigation Reform Act of 1995. These forward-looking statements include, but are not limited to, statements identified by words such as &#8220;expects,&#8221; &#8220;anticipates,&#8221; &#8220;intends,&#8221; &#8220;plans,&#8221; &#8220;believes,&#8221; &#8220;seeks,&#8221; &#8220;estimates,&#8221; &#8220;targets,&#8221; </font></div><br><div></div><hr style="page-break-after:always"><a name="s0761174A8337CE07F340EE21BD7E8ADF"></a><div></div><br><div style="line-height:120%;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;font-style:italic;">&#8220;projects,&#8221; or words of similar meaning generally intended to identify forward-looking statements. These forward-looking statements are based upon the current beliefs and expectations of the management of City and are inherently subject to significant business, economic and competitive uncertainties and contingencies, many of which are beyond the control of City. In addition, these forward-looking statements are subject to assumptions with respect to future business strategies and decisions that are subject to change. Actual results may differ materially from the anticipated results discussed in these forward-looking statements because of possible uncertainties. Additional factors that could cause actual results to differ materially from those expressed in the forward-looking statements are discussed in City&#8217;s reports (such as its Annual Report on Form 10-K, Quarterly Reports on Form 10-Q and Current Reports on Form 8-K) filed with the Securities and Exchange Commission and available on the SEC&#8217;s Internet site (www.sec.gov) and on City&#8217;s website (bankatcity.com). City does not undertake any obligation to update any forward-looking statement to reflect circumstances or events that occur after the date the forward-looking statements are made.</font></div><div style="line-height:120%;text-align:left;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;"><br></font></div><br><div></div>	</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>3
<FILENAME>form8kafbbranches_image1a01.jpg
<DESCRIPTION>LOGO
<TEXT>
begin 644 form8kafbbranches_image1a01.jpg
M_]C_X  02D9)1@ ! 0$ 8 !@  #_X0!P17AI9@  24DJ  @    $ !H!!0 !
M    /@   !L!!0 !    1@   "@! P !     @# P#$! @ 9    3@
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MT+_@ZB_Y/1\ ?]DOB_\ 3C>U\,_L(C_C.'X-?]E6\._^G.WK[F_X.HO^3T?
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M 800QCD/17TOX;\.:%X/\.V'A+PMI,%AIFEV45IIUC:QA8[>"- D<:*.BJH
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,0 4444 %%%% '__9

end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
