XML 38 R26.htm IDEA: XBRL DOCUMENT
v3.19.2

Allowance For Loan Losses (Tables) | 6 Months Ended
--- | ---
Jun. 30, 2019
Receivables [Abstract] |
Schedule Of Allowance For Loan Loss By Portfolio Segment | The following table summarizes the activity in the allowance for loan losses, by portfolio loan classification, for the six months ended June 30, 2019 and 2018 (in thousands). The allocation of a portion of the allowance in one portfolio segment does not preclude its availability to absorb losses in other portfolio segments. The following table also presents the balance in the allowance for loan loss disaggregated on the basis of the Company’s impairment measurement method and the related recorded investment in loans, by portfolio segment, as of June 30, 2019 and December 31, 2018 (in thousands).
| Commercial and | Commercial | Residential |  |  | DDA |
| Industrial | Real Estate | Real Estate | Home Equity | Consumer | Overdrafts | Total
Six months ended June 30, 2019 |  |  |  |  |  |  |
Allowance for loan losses
Beginning balance | $ | 4,060 |  | $ | 4,495 |  | $ | 4,116 |  | $ | 1,268 |  | $ | 319 |  | $ | 1,708 |  | $ | 15,966 |
Charge-offs | (51 | ) | (178 | ) | (631 | ) | (117 | ) | (296 | ) | (1,213 | ) | (2,486 | )
Recoveries | 140 |  | 607 |  | 125 |  | — |  | 143 |  | 749 |  | 1,764 |
(Recovery of) provision | (1,353 | ) | (1,455 | ) | 349 |  | 60 |  | 343 |  | 607 |  | (1,449 | )
Ending balance | $ | 2,796 |  | $ | 3,469 |  | $ | 3,959 |  | $ | 1,211 |  | $ | 509 |  | $ | 1,851 |  | $ | 13,795 |
Six months ended June 30, 2018 |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for loan losses |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance | $ | 4,571 |  | $ | 6,183 |  | $ | 5,212 |  | $ | 1,138 |  | $ | 62 |  | $ | 1,670 |  | $ | 18,836 |
Charge-offs | (724 | ) | (275 | ) | (220 | ) | (111 | ) | (354 | ) | (1,272 | ) | (2,956 | )
Recoveries | 1,477 |  | 372 |  | 159 |  | — |  | 105 |  | 765 |  | 2,878 |
(Recovery of) provision | (1,597 | ) | (350 | ) | (572 | ) | 133 |  | 455 |  | 49 |  | (1,882 | )
Ending balance | $ | 3,727 |  | $ | 5,930 |  | $ | 4,579 |  | $ | 1,160 |  | $ | 268 |  | $ | 1,212 |  | $ | 16,876 |
Three months ended June 30, 2019 |  |  |  |  |  |  |
Allowance for loan losses
Beginning balance | $ | 2,970 |  | $ | 4,640 |  | $ | 3,820 |  | $ | 1,248 |  | $ | 468 |  | $ | 1,500 |  | $ | 14,646 |
Charge-offs | (51 | ) | (133 | ) | (303 | ) | (71 | ) | (111 | ) | (588 | ) | (1,257 | )
Recoveries | 5 |  | 575 |  | 50 |  | — |  | 46 |  | 330 |  | 1,006 |
(Recovery of) provision | (128 | ) | (1,613 | ) | 392 |  | 34 |  | 106 |  | 609 |  | (600 | )
Ending balance | $ | 2,796 |  | $ | 3,469 |  | $ | 3,959 |  | $ | 1,211 |  | $ | 509 |  | $ | 1,851 |  | $ | 13,795 |
Three months ended June 30, 2018 |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for loan losses |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance | $ | 4,763 |  | $ | 5,769 |  | $ | 4,943 |  | $ | 1,200 |  | $ | 212 |  | $ | 1,494 |  | $ | 18,381 |
Charge-offs | (385 | ) | (118 | ) | (96 | ) | (33 | ) | (255 | ) | (636 | ) | (1,523 | )
Recoveries | 1,475 |  | 149 |  | 53 |  | — |  | 59 |  | 345 |  | 2,081 |
(Recovery of) provision | (2,126 | ) | 130 |  | (321 | ) | (7 | ) | 252 |  | 9 |  | (2,063 | )
Ending balance | $ | 3,727 |  | $ | 5,930 |  | $ | 4,579 |  | $ | 1,160 |  | $ | 268 |  | $ | 1,212 |  | $ | 16,876 |
As of June 30, 2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for loan losses |  |  |  |  |  |  |  |  |  |  |  |  |  |
Evaluated for impairment: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually | $ | — |  | $ | 626 |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 626 |
Collectively | 2,795 |  | 2,787 |  | 3,959 |  | 1,211 |  | 502 |  | 1,851 |  | 13,105 |
Acquired with deteriorated credit quality | 1 |  | 56 |  | — |  | — |  | 7 |  | — |  | 64 |
Total | $ | 2,796 |  | $ | 3,469 |  | $ | 3,959 |  | $ | 1,211 |  | $ | 509 |  | $ | 1,851 |  | $ | 13,795 |
Loans |  |  |  |  |  |  |  |  |  |  |  |  |  |
Evaluated for impairment: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually | $ | 582 |  | $ | 9,309 |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 9,891 |
Collectively | 287,060 |  | 1,359,010 |  | 1,642,334 |  | 150,676 |  | 53,252 |  | 3,922 |  | 3,496,254 |
Acquired with deteriorated credit quality | 1,161 |  | 9,797 |  | 2,160 |  | — |  | 104 |  | — |  | 13,222 |
Total | $ | 288,803 |  | $ | 1,378,116 |  | $ | 1,644,494 |  | $ | 150,676 |  | $ | 53,356 |  | $ | 3,922 |  | $ | 3,519,367 |
As of December 31, 2018 |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for loan losses |  |  |  |  |  |  |  |  |  |  |  |  |  |
Evaluated for impairment: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually | $ | — |  | $ | 428 |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 428 |
Collectively | 4,059 |  | 4,015 |  | 4,116 |  | 1,268 |  | 312 |  | 1,708 |  | 15,478 |
Acquired with deteriorated credit quality | 1 |  | 52 |  | — |  | — |  | 7 |  | — |  | 60 |
Total | $ | 4,060 |  | $ | 4,495 |  | $ | 4,116 |  | $ | 1,268 |  | $ | 319 |  | $ | 1,708 |  | $ | 15,966 |
Loans |  |  |  |  |  |  |  |  |  |  |  |  |  |
Evaluated for impairment: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually | $ | 651 |  | $ | 9,855 |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 10,506 |
Collectively | 284,018 |  | 1,433,674 |  | 1,633,241 |  | 153,496 |  | 51,077 |  | 6,328 |  | 3,561,834 |
Acquired with deteriorated credit quality | 1,645 |  | 11,413 |  | 2,097 |  | — |  | 113 |  | — |  | 15,268 |
Total | $ | 286,314 |  | $ | 1,454,942 |  | $ | 1,635,338 |  | $ | 153,496 |  | $ | 51,190 |  | $ | 6,328 |  | $ | 3,587,608 |
Schedule Of Credit Quality Indicators | The Company uses the following definitions for its risk ratings:
Risk Rating | Description
Pass ratings: |
(a) Exceptional | Loans classified as exceptional are secured with liquid collateral conforming to the internal loan policy. Loans rated within this category pose minimal risk of loss to the bank.
(b) Good | Loans classified as good have similar characteristics that include a strong balance sheet, satisfactory debt service coverage ratios, strong management and/or guarantors, and little exposure to economic cycles. Loans in this category generally have a low chance of loss to the bank.
(c) Acceptable | Loans classified as acceptable have acceptable liquidity levels, adequate debt service coverage ratios, experienced management, and have average exposure to economic cycles. Loans within this category generally have a low risk of loss to the bank.
(d) Pass/watch | Loans classified as pass/watch have erratic levels of leverage and/or liquidity, cash flow is volatile and the borrower is subject to moderate economic risk. A borrower in this category poses a low to moderate risk of loss to the bank.
Special Mention | Loans classified as special mention have a potential weakness(es) that deserves management’s close attention. The potential weakness could result in deterioration of the loan repayment or the bank’s credit position at some future date. A loan rated in this category poses a moderate loss risk to the bank.
Substandard | Loans classified as substandard reflect a customer with a well defined weakness that jeopardizes the liquidation of the debt. Loans in this category have the possibility that the bank will sustain some loss if the deficiencies are not corrected and the bank’s collateral value is weakened by the financial deterioration of the borrower.
Doubtful | Loans classified as doubtful have all the weaknesses inherent in those classified as substandard, with the added characteristics that make collection of the full contract amount highly improbable. Loans rated in this category are most likely to cause the bank to have a loss due to a collateral shortfall or a negative capital position.
The following table presents the Company’s commercial loans by credit quality indicators, by portfolio loan classification (in thousands):
| Commercial and Industrial | Commercial Real Estate | Total
June 30, 2019 |  |  |
Pass | $ | 254,449 |  | $ | 1,322,276 |  | $ | 1,576,725 |
Special mention | 2,293 |  | 10,023 |  | 12,316 |
Substandard | 32,061 |  | 45,817 |  | 77,878 |
Doubtful | — |  | — |  | — |
Total | $ | 288,803 |  | $ | 1,378,116 |  | $ | 1,666,919 |
December 31, 2018 |  |  |  |  |  |
Pass | $ | 250,856 |  | $ | 1,402,821 |  | $ | 1,653,677 |
Special mention | 27,886 |  | 5,696 |  | 33,582 |
Substandard | 7,572 |  | 46,425 |  | 53,997 |
Doubtful | — |  | — |  | — |
Total | $ | 286,314 |  | $ | 1,454,942 |  | $ | 1,741,256 |
Schedule Of Noncommercial Loans By Payment Performance | The following table presents the Company's non-commercial loans by payment performance, by portfolio loan classification (in thousands):
| Performing | Non-Performing | Total
June 30, 2019 |  |  |
Residential real estate | $ | 1,642,063 |  | $ | 2,431 |  | $ | 1,644,494 |
Home equity | 150,499 |  | 177 |  | 150,676 |
Consumer | 53,356 |  | — |  | 53,356 |
DDA overdrafts | 3,921 |  | 1 |  | 3,922 |
Total | $ | 1,849,839 |  | $ | 2,609 |  | $ | 1,852,448 |
December 31, 2018 |  |  |
Residential real estate | $ | 1,630,892 |  | $ | 4,446 |  | $ | 1,635,338 |
Home equity | 153,334 |  | 162 |  | 153,496 |
Consumer | 51,188 |  | 2 |  | 51,190 |
DDA overdrafts | 6,322 |  | 6 |  | 6,328 |
Total | $ | 1,841,736 |  | $ | 4,616 |  | $ | 1,846,352 |
Schedule Of Aging Analysis Of Accruing And Non-Accruing Loans | The following table presents an aging analysis of the Company’s accruing and non-accrual loans, by portfolio loan classification (in thousands):
| June 30, 2019
| Accruing |  |
| Current | 30-59 days | 60-89 days | Over 90 days | Non-accrual | Total
Residential real estate | $ | 1,634,837 |  | $ | 6,262 |  | $ | 964 |  | $ | 77 |  | $ | 2,354 |  | $ | 1,644,494 |
Home equity | 150,193 |  | 283 |  | 23 |  | 16 |  | 161 |  | 150,676 |
Commercial and industrial | 286,488 |  | 161 |  | 5 |  | — |  | 2,149 |  | 288,803 |
Commercial real estate | 1,369,886 |  | 972 |  | 54 |  | — |  | 7,204 |  | 1,378,116 |
Consumer | 53,184 |  | 162 |  | 10 |  | — |  | — |  | 53,356 |
DDA overdrafts | 3,435 |  | 478 |  | 8 |  | 1 |  | — |  | 3,922 |
Total | $ | 3,498,023 |  | $ | 8,318 |  | $ | 1,064 |  | $ | 94 |  | $ | 11,868 |  | $ | 3,519,367 |
| December 31, 2018
| Accruing |  |
| Current | 30-59 days | 60-89 days | Over 90 days | Non-accrual | Total
Residential real estate | $ | 1,621,073 |  | $ | 8,607 |  | $ | 1,213 |  | $ | 170 |  | $ | 4,275 |  | $ | 1,635,338 |
Home equity | 152,083 |  | 1,240 |  | 11 |  | 24 |  | 138 |  | 153,496 |
Commercial and industrial | 284,140 |  | 397 |  | 49 |  | 52 |  | 1,676 |  | 286,314 |
Commercial real estate | 1,445,896 |  | 487 |  | 94 |  | 4 |  | 8,461 |  | 1,454,942 |
Consumer | 50,894 |  | 253 |  | 41 |  | 1 |  | 1 |  | 51,190 |
DDA overdrafts | 5,840 |  | 467 |  | 15 |  | 6 |  | — |  | 6,328 |
Total | $ | 3,559,926 |  | $ | 11,451 |  | $ | 1,423 |  | $ | 257 |  | $ | 14,551 |  | $ | 3,587,608 |
Schedule Of Impaired Loans | The following table presents the Company’s impaired loans, by class (in thousands). The difference between the unpaid principal balance and the recorded investment generally reflects amounts that have been previously charged-off. There are no impaired residential, home equity, or consumer loans.
| June 30, 2019 | December 31, 2018
|  | Unpaid |  |  | Unpaid |
| Recorded | Principal | Related | Recorded | Principal | Related
| Investment | Balance | Allowance | Investment | Balance | Allowance
With no related allowance recorded: |  |  |  |  |  |
Commercial and industrial | $ | 582 |  | $ | 582 |  | $ | — |  | $ | 651 |  | $ | 651 |  | $ | — |
Commercial real estate | 3,642 |  | 3,667 |  | — |  | 6,870 |  | 6,895 |  | — |
Total | $ | 4,224 |  | $ | 4,249 |  | $ | — |  | $ | 7,521 |  | $ | 7,546 |  | $ | — |
With an allowance recorded: |  |  |  |  |  |
Commercial and industrial | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |
Commercial real estate | 5,667 |  | 5,667 |  | 626 |  | 2,985 |  | 2,985 |  | 428 |
Total | $ | 5,667 |  | $ | 5,667 |  | $ | 626 |  | $ | 2,985 |  | $ | 2,985 |  | $ | 428 |
Schedule Of Information Related To Average Recorded Investment And Interest Income Recognized On Impaired Loans | The following table presents information related to the average recorded investment and interest income recognized on the Company’s impaired loans, by class (in thousands):
| Six months ended June 30,
| 2019 | 2018
| Average | Interest | Average | Interest
| Recorded | Income | Recorded | Income
| Investment | Recognized | Investment | Recognized
With no related allowance recorded: |  |  |  |
Commercial and industrial | $ | 603 |  | — |  | $ | 1,036 |  | $ | — |
Commercial real estate | 5,067 |  | 38 |  | 3,715 |  | 6 |
Total | $ | 5,670 |  | $ | 38 |  | $ | 4,751 |  | $ | 6 |
With an allowance recorded: |  |  |  |
Commercial and industrial | $ | — |  | $ | — |  | $ | — |  | $ | — |
Commercial real estate | 4,326 |  | 106 |  | 5,741 |  | 110 |
Total | $ | 4,326 |  | $ | 106 |  | $ | 5,741 |  | $ | 110 |
Schedule Of Troubled Debt Restructurings | The following tables set forth the Company’s TDRs (in thousands). Substantially all of the Company's TDRs are accruing interest.
| June 30, 2019 | December 31, 2018
Total | Total
Commercial and industrial | $ | 83 |  | $ | 98 |
Commercial real estate | 8,044 |  | 8,205 |
Residential real estate | 22,373 |  | 23,521 |
Home equity | 3,062 |  | 3,030 |
Consumer | — |  | — |
Total | $ | 33,562 |  | $ | 34,854 |
| New TDRs
| Six months ended June 30,
| 2019 | 2018
| Pre | Post |  | Pre | Post
| Modification | Modification |  | Modification | Modification
| Outstanding | Outstanding |  | Outstanding | Outstanding
Number of | Recorded | Recorded | Number of | Recorded | Recorded
Contracts | Investment | Investment | Contracts | Investment | Investment
Commercial and industrial | — |  | $ | — |  | $ | — |  | — |  | $ | — |  | $ | — |
Commercial real estate | — |  | — |  | — |  | — |  | — |  | — |
Residential real estate | 27 |  | 2,066 |  | 2,066 |  | 17 |  | 1,028 |  | 1,028 |
Home equity | 7 |  | 194 |  | 194 |  | 9 |  | 194 |  | 194 |
Consumer | — |  | — |  | — |  | — |  | — |  | — |
Total | 34 |  | $ | 2,260 |  | $ | 2,260 |  | 26 |  | $ | 1,222 |  | $ | 1,222 |

X
- Definition Schedule of information related to average recorded investment and interest income recognized on impaired loans [Table Text Block]. + References No definition available. + Details
Name: | chco_ScheduleOfInformationRelatedToAverageRecordedInvestmentAndInterestIncomeRecognizedOnImpairedLoansTableTextBlock
Namespace Prefix: | chco_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Schedule Of Noncommercial Loans By Payment Performance [Table Text Block] + References No definition available. + Details
Name: | chco_ScheduleOfNoncommercialLoansByPaymentPerformanceTableTextBlock
Namespace Prefix: | chco_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of allowance for credit loss on financing receivable. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 11B -URI http://asc.fasb.org/extlink&oid=118936363&loc=SL6953423-111524 Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 13 -URI http://asc.fasb.org/extlink&oid=119407570&loc=SL82919249-210447 + Details
Name: | us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 5 -URI http://asc.fasb.org/extlink&oid=119407570&loc=SL82919230-210447 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 29 -URI http://asc.fasb.org/extlink&oid=118936363&loc=SL6953659-111524 + Details
Name: | us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of impaired financing receivables. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 15 -URI http://asc.fasb.org/extlink&oid=118936363&loc=d3e5212-111524 + Details
Name: | us-gaap_ImpairedFinancingReceivablesTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of aging analysis for financing receivable. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 14 -URI http://asc.fasb.org/extlink&oid=119407570&loc=SL82919253-210447 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 7A -URI http://asc.fasb.org/extlink&oid=118936363&loc=SL6953401-111524 Reference 3: http://www.xbrl.org/2003/role/exampleRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 55 -Paragraph 80 -URI http://asc.fasb.org/extlink&oid=118955255&loc=SL82922355-210448 Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 7 -URI http://asc.fasb.org/extlink&oid=118936363&loc=d3e5111-111524 + Details
Name: | us-gaap_PastDueFinancingReceivablesTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- References No definition available. + Details
Name: | us-gaap_ReceivablesAbstract
Namespace Prefix: | us-gaap_
Data Type: | xbrli:stringItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of financing receivable modified as troubled debt restructuring. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 33 -URI http://asc.fasb.org/extlink&oid=118936363&loc=SL6953676-111524 Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 34 -URI http://asc.fasb.org/extlink&oid=118936363&loc=SL6953682-111524 + Details
Name: | us-gaap_TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration