City Holding Company

City Holding Company is listed on NASDAQ (CHCO). City Holding Company is a bank 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). Through its network of 56 banking offices in West Virginia (54 offices) and Ohio (2 offices), City National provides credit, deposit, trust, and insurance products and services to its customers. In addition to its branch network, City National’s delivery channels include ATMs, check cards, interactive voice response systems, and internet technology. City National has approximately 7% of the deposit market share in West Virginia, and the Company is the third largest bank holding company headquartered in West Virginia based on deposit size. The Company’s business activities are currently limited to one reportable business segment, which is community banking.

City National Corporation

City National Corporation is listed on NYSE (CYN). City National Corporation was organized in Delaware in 1968 to acquire the outstanding capital stock of City National Bank. References to the Company reflect all of the activities of the Corporation and its subsidiaries, including the Bank. The Corporation owns all the outstanding shares of the Bank. The Bank, which was founded in 1953 and opened for business in January 1954, conducts business in California and New York City. The Bank is a national banking association providing banking, investment and trust services through 52 offices, including 12 full-service regional centers, in Southern California, the San Francisco Bay Area and New York City. As of December 31, 2004, the Company had total assets of $14.2 billion. At December 31, 2004, the Company had 2,397 full-time equivalent employees. In the three years ended December 31, 2004, the Company acquired two financial services institutions.

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