ex99-1.htm

KBW Regional Bank Conference
Boston

February 28, 2008

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Forward Looking Statements

This news release contains certain forward-looking statements that are included pursuant to the safe
harbor provisions of the Private Securities Litigation Reform Act of 1995. Such information
involves risks and uncertainties that could result in the Company’s actual results differing from
those projected in the forward-looking statements. Important factors that could cause actual
results to differ materially from those discussed in such forward-looking statements include, but
are not limited to, (1) the Company may incur additional loan loss provision due to negative
credit quality trends in the future that may lead to a deterioration of asset quality; (2) the
Company may incur increased charge-offs in the future; (3) the Company may experience
increases in the default rates or decreased prepayments on previously securitized loans that
would result in impairment losses or lower the yield on such loans; (4) the Company may
continue to benefit from strong recovery efforts on previously securitized loans resulting in
improved yields on this assets; (5) the Company could have adverse legal actions of a material
nature; (6) the Company may face competitive loss of customers; (7) the Company may be unable
to manage its expense levels; (8) the Company may have difficulty in retaining key employees;
(9) changes in the interest rate environment may have results on the Company's operations
materially different from those anticipated by the Company's market risk management functions;
(10) changes in general economic conditions and increased competition could adversely affect the
Company's operating results; (11) changes in other regulations and government policies affecting
bank holding companies and their subsidiaries, including changes in monetary policies, could
negatively impact the Company's operating results; and (12) the Company may experience
difficulties growing loan and deposit balances. Forward-looking statements made herein reflect
management’s expectations as of the date such statements are made. Such information is
provided to assist stockholders and potential investors in understanding current and anticipated
financial operations of the Company and is included pursuant to the safe harbor provisions of the
Private Securities Litigation Reform Act of 1995. The Company undertakes no obligation to
update any forward-looking statement to reflect events or circumstances that arise after the date
such statements are made.

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n Total Assets at Dec 31, 2007 $2.5 bil

n Net Income in 2007 $51 mil

n Branches 69

n FTE 811

n Market Cap $625 mil

n Institutional Ownership 51%

n Avg Daily Volume $3.5 mil

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Key Markets

1st & 9% Market Share

in Huntington WV/Ashland KY MSA

$3.7 Billion

8% Market Share in Morgan,

Berkeley & Jefferson Co. WV

$1.9 Billion

1st & 27% Market Share

$1.7 Billion

2nd & 12% Market Share

in WV’s largest market; $4.7B

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Today’s Themes:

n CHCO: Consistently superior results
thru challenging times

n CHCO: Conservative operating platform

n CHCO: Growing and succeeding in slow-
growth markets

n CHCO: Value in the Banking Sector

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	2004	2005	2006	2007
Reported ROA	2.10%	2.09%	2.11%	2.03%
ROTE	23.2%	22.3%	22.4%	21.0%
Tangible Equity/TA	9.7%	9.5%	10.1%	9.7%
NIM	4.29%	4.49%	4.56%	4.34%
Efficiency Ratio	48.7%	46.7%	44.5%	45.9%
Non-Int Rev/Total Rev	33%	34%	34%	34%

CHCO is consistently and
extraordinarily profitable:

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Since 2003 CHCO faced “normalization” of
provision and loss of PSL revenues:

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ROA

EPS

Yet, strong bottom line results continue:

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	2004	2005	2006	2007	2008 Projected	2009 Projected
Average Balances	$83.5 MM	$42.9 MM	$22.3 MM	$10.5 MM	$6.3 MM	$4.3 MM
Rate	17.4%	26.6%	42.2%	69.1%	91%	91%
Gross Interest Revenue	$14.5 MM	$11.4 MM	$9.4 MM	$7.3 MM	$5.7 MM	$4.1MM

Previously Securitized Loans:

Core growth in revenues in 2003-2007 offset
lower earnings from PSL balances

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Immediate Basis Point Change in Interest Rates	Estimated Increase of Decrease in Net Income between 1-12 months
+200 Bp	+3.4%
+100 Bp	+0.9%
-100 Bp	+0.5%
-200 Bp	+1.0%

Data: December 31, 2007

Interest Rate Risk:

CHCO believes that it is well positioned
with respect to interest rate risk:

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Notional	Prime Rate	Term Date
$100MM	8%	June 2011
$100MM	7.75%	May 2011
$50MM	6.75%	Nov 2009
$50MM	6.75%	Nov 2008
$100MM	6%	June 2010
$100MM	6%	June 2009

Prime-based Floors:
protect against falling rates

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Interest Rate Risk Summary:

u CHCO is less dependent upon NII than its peers

t Fee income in top 10% of peer group

u CHCO’s balance sheet is traditionally asset-
sensitive due to strong prime-based portfolio
supported by core deposits

u CHCO insured against it’s risk to falling rates
with Prime based floors that hedge its
traditional risk to falling rates

u CHCO’s NIM has been stable at 4.34% during
the last three quarters despite:

t Decline in Previously Securitized Loans

t Decline in Prime Rate for 8.25% to 6%

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Asset Quality Trends:

A second challenge facing
the banking industry in 2007/8

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1. Predominantly
Overdrafts

2. C/O’s are
improving

3. C/O’s
disproportionately
associated with
pre-turnaround
loans

$1.816 MM

$155 M

$563 M

$144 M

Net Charge-offs 2007

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Charge-off Trends:

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FICO	Total Balances 12/31/02	%	Total Balances 12/1/07	%
> 650	$228.3MM	41%	$48.7MM	48%
< 649	$333.7MM	59%	$52.1MM	52%
Total	$562.0MM	100%	$100.8MM	100%

Mortgage Loans Originated Prior to July 2001

Pre-Turnaround Loans: Large source of
Retail Loan Credit Issues

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NPA’s to Loans & OREO

CHCO experiencing Asset Quality
Deterioration: Reflecting two large relationships
which were placed on Non-accrual in the 1st & 2nd quarters

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Largest Non-performing Assets at 12/31/07

n Loan #1 $9 mil Homes at Greenbrier Resort

4 spec homes and 3 lots; Borrower experiencing cash flow problems;

Collateral & Guarantee dependent.

n Loan #2 $3.4 mil Home at Greenbrier Resort

OREO Property. Home actively marketed.

n Loan #3 $1.3 mil Commercial R.E.

Owner-occupied real-estate. Business going thru Bankruptcy.

Full payment expected 2/22/08.

n Loan #4 $0.9 mil Rental Res. Real Estate

City took properties in lieu of foreclosure. Properties listed for sale.

n Loan $5 $0.6 mil Rental Real Estate

Rental Homes in Charleston;

Already resolved in 2008 at small loss.

n Loan #6 $0.5 mil Residence in Charleston

Sold & Closing in 2008.

n Loan #7 $0.5 mil Residence in Ashland

OREO. Listed for sale

n Loan #8 $0.4 mil Small Apt Complex in Ohio

n Loan #9 $0.3 mil Comm’l Real Estate in Ohio

80% LTV. 75% SBA Guar.

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	12/31/05	12/31/06	12/30/07
Residential	1.14%	0.76%	0.91%
Home Equity	0.37%	0.34%	0.63%
Consumer	2.32%	0.99%	0.86%
CMRE	0.11%	0.03%	0.26%
C&I	0.12%	1.47%	0.02%

Past-due loans show some trends toward
deterioration but remain strong compared to
peers:

Past-Due Loans (30+ days)

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Asset Quality Summary:

u Charge-offs are predominantly depository
accounts

u Charge-offs have been decreasing, partly as poor
quality loans originated prior to 2001 (former
management team) run-off

u Increase in Non-performing Loans tied
substantially to (2) loan relationships focused at
the Greenbrier Resort

u Past-Due loans relatively low compared to peers

u CHCO has focused on real-estate secured lending
- residential, home equity, commercial real-estate

u Most of CHCO’s non-accrual assets are residential
properties where loss exposures generally have
lower bounds due to collateral

u Real estate prices: CHCO markets have been
stable

u Mortgage lending: traditional portfolio ARM’s

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Although highly profitable,
CHCO is conservatively positioned:

1. Conservative Loan portfolios

2. Strong Core Deposit Franchise

3. Highly Liquid

4. Strongly Capitalized

5. Strong Fee Income vs. NII

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Loan to Deposits 87.9%

Loan to Deposits 94.5%

Sample of 250 publicly traded banks
and thrifts with assets between $1-$10
billion as of December 31, 2006

As of December 31, 2007

Conservative Loan Portfolio Mix

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As of December 31, 2007

Sample of 193 and 224 reporting
publicly traded banks and thrifts with
assets between $1 and $10 billion as of
December 31, 2007

Solid Loan Quality - 2007

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Liabilities: Low Cost and Stable Deposits

Data: December 31, 2007

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	CHCO	Peers	Advantage
CD’s	4.48%	4.70%	22 Bps
Interest Bearing Deposits	3.08%	3.77%	75 Bps
Total Deposits	2.60%	3.21%	61 Bps
Interest Bearing Liabilities	3.23%	3.98%	75 Bps

95th percentile

CHCO’s Cost of Funds Advantage:

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22%

78%

66%

*As of December 31, 2007. Non-
interest income excludes security
gains & gain on sale of Merchant
Card Portfolio

Sample of 223 reporting publicly traded
banks and thrifts with assets between
$1 and $10 billion as of December 31,
2007

91st percentile

Favorable Revenue Profile for the
current yield curve environment:

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2004 Efficiency Ratio adjusted to eliminate $5.5 million in revenue from
Legal Settlement and associated legal expenses of $500M; Peers:
Sample of 225 reporting publicly traded banks and thrifts with assets
between $1 to $10 Billion as of December 31, 2007

94th percentile

City is Highly Efficient

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	CHCO 12/31/07	Peer Median 9/30/07
Equity/Assets		9.3%
Tang Equity/Tang Assets	9.7%	7.2%
Leverage Ratio
Tier I Capital Ratio	14.1%	10.6%
Total Risk-based Capital Ratio	15.1%	12.0%

Source: SNL for 205 reporting publicly traded banks with total assets
from $1 to $10 billion

85th

percentile

Strong Capital facilitates growth
and provides opportunities for
2007:

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Growth in slow-growing markets:

u Improvements/Additions to

Retail Distribution System

u Commercial Lending/Small
Business Banking/Cash
Management

u Insurance

u Acquisition

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Remaking City’s Retail Distribution:
Wal-Mart Strategy

n Part of a Hub and Spoke distribution
strategy

n Openings

u Charleston - 2004

u Huntington - 2004

u Beckley - 2005

u Ashland - 2005

u Ripley - 2007

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Consolidations/Renovations/Relocations:
Our New Downtown Charleston Office
Housing Retail, Trust, Commercial & Private Banking
Opened 2006

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October 2006: Opened Charles Town WV
(Eastern Panhandle Location)

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(Eastern Panhandle Location)

Relocated in July 2007:
Martinsburg WV

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n Bluefield WV-VA

u County Deposits: $1.7 billion

u Branches: 50

u Largest Market Competitors: BBT (27%), FCBC (26%)

November 2007: Bluefield WV-VA

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n Putnam Co. WV

u County Deposits: $761 MM

u Branches: 18 CHCO Share: 12%

u Largest Market Competitors:

Putnam Co. Bank(50%), BB&T (10%)

Hurricane, West Virginia: 2008

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17.6% CAGR

2001 to 2007

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Growth in 2005 excludes Classic Acquisition

Commercial Loan Growth:
Historically 10%+

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Business Lending Opportunity:

n City’s financial strength was built upon its
exceptional retail banking platform. As a
result, City is under represented (40%) in
commercial lending relative to peers (60%).

n City has launched a new small business
lending initiative to address borrowing
needs of smaller businesses.

n City has launched a new cash management
initiative to address depository needs of
larger business customers.

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City Insurance Professionals

n 2006 Revenues $2.3 million

n 2007 $4.1 million

n New Strategies in 2007:

u Appointed new leadership

u Added Workers Compensation Department - 7 FTE

u Added Personal Lines Department - 6 FTE

u Opened Beckley WV Office

n Strategies for 2008 and beyond:

u Continue to Build Personal Lines toward $3 million
line of business

u Add offices - Huntington, Lewisburg, Martinsburg,
Teays Valley

u Hire additional P&C and Health/Life Producers

u Acquire agencies in communities served by CHCO

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$100MM to $500MM in assets

WV, SE Ohio, Eastern KY, I81 Corridor from
VA thru MD, SW Pennsylvania

Acquisitions:

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CHCO: Value in the Banking Sector

Capital Flexibility

Dividends

- Increased 10% in April 2004 to $0.88

- Increased 13.6% in April 2005 to $1.00

- Increased 12% in April 2006 to $1.12

- Increased 10.7% in April 2007 to $1.24

- Payout ratio in 2007: 40%

- Announced Increase in April 2008 to $1.36

- 9.7% increase

- Dividend Yield of about 3.5%

Share Repurchases

- Tangible Capital @ 10.1% @ 12/31/2006

- Purchased 1,314,112 shares in 2007 at average price of
$36.70 (7.5% of outstanding)

- Tangible Capital @ 9.7% @ 12/31/07

- CHCO’s strong profitability allows greater long-term
share repurchase activity than peers

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•Based on Price of $38.72(close of business 2/14/08)

** Based on Analyst estimates for 2008 of $3.06

CHCO: Value in the Banking Sector

Pricing Metrics*:

n Price to Book: 213%

n Price to Tangible Book: 266%

n Price to 2008 Projected Earnings** 12.7x

n Institutional Ownership 51%

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CHCO: Consistently Superior Performance

n Peer Group: (branches, assets, income, market cap)

u CBU, CTBI, FCF, FCBC, FFBC, FPFC, FNB,
HNBC,NBTB, PEBO, PRK, PVSA, RBCAA,
SASR, STBA,UBSH, UBSI, UVSP, VFGI, WSBC

n 2006 Peer Performance:

u EPS Growth 2005-2007: 3rd

u ROA: 1st

u Net Interest Margin: 1st

u Efficiency Ratio: 2nd

u Tangible Equity/Tangible Assets:1st

n Still delivered top performance for shareholders:

u 1 Year Stock Performance: Best

u 2 Year Stock Performance: Best

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Questions?

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