City Holding Company

City Holding Company

CHCO · NASDAQ · Financial Services / Banks - Regional

142.45USD+0.46 (+0.32%)

Price History

Full chart

Market Stats

Previous Close141.99
Open142.56
Day Range141.46 – 142.88
52-Week Range111.71 – 148.99
Volume77.50K
Market Cap1.97B
P/E (TTM)15.24
Forward P/E16.42
EPS9.19
Dividend Yield2.50%
Beta0.47
50-Day Avg143.30
200-Day Avg129.19

About

City Holding Company operates as a financial holding company for City National Bank of West Virginia that provides banking, trust and investment management, and other financial solutions in the United States. It offers checking, savings, and money market accounts, as well as certificates of deposit and individual retirement accounts. The company also provides commercial and industrial loans that consist of loans to corporate and other legal entity borrowers primarily in small to mid-size industrial and commercial companies; commercial real estate loans comprising commercial mortgages, which are secured by nonresidential and multi-family residential properties; residential real estate loans to consumers for the purchase or refinance of residence; first-priority home equity loans; home equity lines of credit; amortized home equity loans; consumer loans that are secured and unsecured by automobiles, boats, recreational vehicles, certificates of deposit, and other personal property; and demand deposit account overdrafts, as well as owner-occupied real estate and construction, land development, and lines of credit. In addition, it offers mortgage banking services, including fixed and adjustable-rate mortgages, construction financing, land loans, production of conventional and government-insured mortgages, secondary marketing, and mortgage servicing. Further, the company provides treasury management, lockbox, and other cash management services; merchant credit card services; wealth management, trust, investment, and custodial services for commercial and individual customers; and corporate trust and institutional custody, financial and estate planning, and retirement plan services, as well as automated-teller-machine, interactive-teller-machine, mobile banking, interactive voice response systems, and credit and debit card services. The company was founded in 1957 and is headquartered in Charleston, West Virginia.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Charles R. Hageboeck Ph.D.
  • Employees924
  • Headquarters25 Gatewater Road, Charleston, WV, United States, 25313, USA
  • Websitehttps://www.bankatcity.com

Leadership

  • Mr. Charles R. Hageboeck Ph.D.President, CEO & Director · b. 1962
  • Mr. David L. Bumgarner CPASenior Executive VP & CFO · b. 1965
  • Mr. Jeffrey Dale LeggeExecutive VP of Operations, Chief Administrative Officer & Chief Information Officer · b. 1964
  • Mr. Michael T. Quinlan Jr.Executive Vice President of Retail Banking · b. 1969
  • Ms. Victoria A. Evans-FawSenior VP & Corporate Secretary
  • Mr. Timothy J. WhittakerExecutive Vice President of Commercial Banking · b. 1974

Financials

Income Statement

Currency: USD1986-12-311987-12-311988-12-311989-12-311990-12-311991-12-311992-12-311993-12-311994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue---29.20M31.40M33.20M39.90M46.20M59.70M81.40M176.20M205.81M269.10M255.09M243.94M220.33M163.07M156.95M163.46M185.61M210.33M213.45M207.88M189.36M168.90M165.49M164.81M193.52M184.54M179.08M186.52M202.61M219.96M260.63M255.05M228.65M255.73M334.45M371.25M392.11M
Growth (%)----+7.53%+5.73%+20.18%+15.79%+29.22%+36.35%+116.46%+16.81%+30.75%-5.21%-4.37%-9.68%-25.99%-3.75%+4.15%+13.55%+13.32%+1.49%-2.61%-8.91%-10.80%-2.02%-0.41%+17.42%-4.64%-2.96%+4.16%+8.63%+8.56%+18.49%-2.14%-10.35%+11.84%+30.78%+11.01%+5.62%
Cost of Revenue---17.40M17.80M16.90M18.40M18.90M23.20M34.70M73.30M80.10M101.90M116.42M139.24M118.59M44.10M25.59M31.87M39.84M57.52M65.63M56.34M43.60M34.72M25.36M20.82M20.15M16.01M18.82M17.60M19.81M23.38M35.09M34.34M6.73M10.13M55.27M88.01M82.31M
Gross Profit---11.80M13.60M16.30M21.50M27.30M36.50M46.70M102.90M125.71M167.20M138.67M104.71M101.74M118.97M131.37M131.59M145.77M152.80M147.82M151.54M145.76M134.18M140.13M143.98M173.37M168.52M160.26M168.92M182.80M196.58M225.55M220.71M221.92M245.60M279.18M283.24M309.80M
Gross Margin---40.41%43.31%49.10%53.88%59.09%61.14%57.37%58.40%61.08%62.13%54.36%42.92%46.18%72.96%83.70%80.50%78.54%72.65%69.25%72.90%76.98%79.44%84.68%87.36%89.59%91.32%89.49%90.56%90.22%89.37%86.54%86.54%97.06%96.04%83.48%76.29%79.01%
Operating Expense---8.60M9.80M11.90M14.30M19.20M26.30M33.80M70.10M84.91M155.50M130.61M158.81M114.41M69.79M65.42M60.88M69.11M71.28M71.01M113.94M82.58M76.77M78.88M84.74M99.88M91.29M77.75M91.71M92.06M108.56M112.06M109.40M110.73M118.27M136.07M138.73M147.23M
Operating Income2.40M2.50M2.70M3.20M3.80M4.40M7.20M8.10M10.20M12.90M32.80M40.80M11.70M8.05M-54.10M-12.67M49.18M65.94M70.71M76.66M81.52M76.81M37.60M63.18M57.41M61.25M59.24M73.49M77.23M82.51M77.21M90.75M88.02M113.49M111.31M111.19M127.33M143.11M144.52M162.56M
Operating Margin---10.96%12.10%13.25%18.05%17.53%17.09%15.85%18.62%19.82%4.35%3.16%-22.18%-5.75%30.16%42.02%43.26%41.30%38.76%35.99%18.09%33.36%33.99%37.01%35.95%37.98%41.85%46.08%41.40%44.79%40.01%43.54%43.64%48.63%49.79%42.79%38.93%41.46%
EBITDA2.40M2.50M2.70M4.40M4.70M5.30M8.10M10.10M11.20M16.40M39.40M49.20M24.70M25.55M-975.00K-2.88M56.55M72.41M76.22M82.49M83.14M78.97M40.92M68.09M63.09M67.65M64.58M67.95M78.67M84.01M84.28M97.63M94.39M119.19M121.98M125.81M143.11M153.83M157.72M171.23M
EBITDA Margin---15.07%14.97%15.96%20.30%21.86%18.76%20.15%22.36%23.91%9.18%10.02%-0.40%-1.30%34.68%46.13%46.63%44.45%39.53%37.00%19.69%35.96%37.35%40.88%39.18%35.11%42.63%46.91%45.19%48.19%42.91%45.73%47.83%55.02%55.96%45.99%42.48%43.67%
Net Income2.40M2.50M2.70M2.60M2.80M3.00M5.00M5.50M7.00M8.70M21.30M26.30M5.20M6.21M-38.37M-26.00M32.46M43.69M46.34M50.29M53.19M51.03M28.11M42.65M38.96M40.68M38.95M48.22M52.96M54.10M52.13M54.31M70.00M89.35M89.59M88.08M102.07M114.36M117.10M130.49M
Net Income Margin---8.90%8.92%9.04%12.53%11.90%11.73%10.69%12.09%12.78%1.93%2.44%-15.73%-11.80%19.91%27.84%28.35%27.09%25.29%23.91%13.52%22.52%23.07%24.58%23.63%24.91%28.70%30.21%27.95%26.80%31.82%34.28%35.13%38.52%39.91%34.20%31.54%33.28%
R&D-------------------------00000000-------
R&D as % of Total Revenue-------------------------0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%-------
Interest Expense00017.10M17.30M16.00M16.40M17.60M22.20M33.60M68.30M76.00M93.40M97.13M113.76M86.42M42.30M31.79M31.87M38.44M53.72M60.28M45.92M36.60M27.63M20.76M14.45M13.30M11.96M11.83M13.21M16.80M25.69M36.34M23.61M9.89M9.65M52.02M86.19M84.81M
Interest Expense % of Total Revenue---58.56%55.10%48.19%41.10%38.10%37.19%41.28%38.76%36.93%34.71%38.08%46.63%39.22%25.94%20.25%19.50%20.71%25.54%28.24%22.09%19.33%16.36%12.54%8.77%6.87%6.48%6.61%7.08%8.29%11.68%13.94%9.26%4.33%3.78%15.55%23.22%21.63%

Balance Sheet

Currency: USD1986-12-311987-12-311988-12-311989-12-311990-12-311991-12-311992-12-311993-12-311994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets---307.90M340.90M352.40M532.70M641.20M780.50M1.04B1.05B2.29B2.71B2.79B2.67B2.12B2.05B2.21B2.21B2.50B2.51B2.48B2.59B2.62B2.64B2.78B2.92B3.37B3.46B3.71B3.97B4.13B4.90B5.02B5.76B6.00B5.88B6.17B6.46B6.72B
Total Liabilities---280.70M311.80M321.20M488.70M593.80M723.60M967.90M969.40M2.07B2.49B2.51B2.42B1.88B1.80B2.02B2.00B2.21B2.20B2.19B2.30B2.31B2.32B2.47B2.58B2.98B3.07B3.29B3.53B3.63B4.30B4.06M5.06B5.32B5.30B5.49B5.73B5.91B
Total Equity---27.20M29.10M31.20M44.00M46.90M56.90M73.10M79.40M220.30M220.10M198.54M163.46M146.35M165.39M190.69M216.08M292.14M305.31M293.99M284.30M308.90M314.86M311.13M333.27M388.08M391.72M419.16M442.49M502.39M603.61M5.02B701.11M681.11M577.85M677.07M730.66M809.68M
Cash---9.30M12.40M12.00M37.50M25.10M27.60M28.50M47.80M132.50M119.80M120.12M87.99M81.83M109.32M63.34M56.08M86.27M85.45M74.52M59.63M62.63M55.38M146.40M74.99M85.88M148.23M70.11M88.14M82.51M122.99M140.14M528.66M634.63M200.00M156.28M225.39M191.92M
Total Debt---19.00M16.20M8.40M13.50M27.60M64.40M161.30M124.60M248.30M286.10M502.72M283.60M156.53M198.22M359.24M294.02M250.68M184.64M166.89M213.51M135.29M129.21M205.54M131.14M154.29M178.20M29.50M80.59M70.50M265.96M215.31M295.96M312.46M290.96M434.86M475.65M517.67M
Net Debt---9.70M3.80M-3.60M-24.00M2.50M36.80M132.80M76.80M115.80M166.30M382.60M195.61M74.70M88.90M295.90M237.94M164.41M99.19M92.37M153.88M72.65M73.83M59.15M56.15M68.42M-131.73M-53.62M-71.64M-66.01M142.97M-136.09M-232.70M-322.17M90.96M278.58M250.27M325.75M

Cash Flow

Currency: USD1989-12-311990-12-311991-12-311992-12-311993-12-311994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow3.80M4.00M4.20M7.30M9.10M-20.40M-81.30M66.20M-35.40M-131.20M105.59M147.63M42.40M52.06M42.21M53.89M52.37M59.15M50.35M54.56M25.03M68.33M59.44M53.81M75.89M53.35M47.90M65.33M76.13M77.57M98.64M89.80M102.27M115.82M137.58M131.90M131.37M
Investing Cash Flow-11.50M-32.10M-11.80M-49.80M-63.90M-46.30M-57.80M-37.90M-75.40M-162.00M-238.85M-60.91M354.09M15.32M-265.65M-13.57M64.85M17.73M-4.78M-135.91M-40.87M-32.14M-61.49M-78.27M-72.69M-24.71M-184.08M-261.29M-171.69M-168.47M-103.30M-285.29M-191.17M-410.45M14.68M-252.26M-269.92M
Financing Cash Flow5.80M30.00M8.60M62.50M42.40M66.90M133.30M-10.00M156.60M280.50M135.60M-118.21M-316.79M-108.39M157.46M-47.58M-87.03M-52.71M-81.50M66.46M18.84M-32.45M82.08M-36.95M-2.33M33.71M58.07M213.99M89.93M131.38M21.81M584.01M194.87M-140.00M-195.98M189.48M105.08M
Capital Expenditure700.00K500.00K600.00K2.30M5.10M4.10M5.10M15.70M11.80M26.40M7.94M97.00K3.51M373.00K1.95M3.20M4.50M6.38M14.42M10.49M8.89M5.04M4.62M7.51M7.48M2.32M3.01M5.52M6.57M10.19M4.73M5.54M3.32M2.14M2.96M2.71M2.92M
Free Cash Flow3.10M3.50M3.60M5.00M4.00M-24.50M-86.40M50.50M-47.20M-157.60M97.64M147.53M38.89M51.69M40.27M50.69M47.87M52.77M35.93M44.07M16.14M63.29M54.82M46.31M68.42M51.03M44.88M59.81M69.55M67.38M93.91M84.25M98.95M113.68M134.62M129.19M128.45M
Dividends Paid800.00K900.00K1.00M1.60M1.80M2.30M3.00M8.80M11.40M12.20M13.47M7.43M-5.04M12.48M14.31M16.84M19.35M20.60M21.48M21.68M21.35M20.63M20.71M22.88M24.49M25.30M25.72M27.12M29.58M35.55M36.67M36.14M36.70M39.99M43.48M47.29M
FCF to OCF81.58%87.50%85.71%68.49%43.96%120.10%106.27%76.28%133.33%120.12%92.48%99.93%91.72%99.28%95.39%94.06%91.41%89.21%71.36%80.77%64.49%92.62%92.24%86.05%90.15%95.65%93.71%91.56%91.36%86.86%95.21%93.83%96.75%98.15%97.85%97.95%97.77%
Dividend Paid to FCF25.81%25.71%27.78%32.00%45.00%-9.39%-3.47%17.43%-24.15%-7.74%13.80%5.03%-9.74%30.99%28.23%35.18%36.67%57.34%48.75%134.27%33.73%37.63%44.72%33.44%47.98%56.38%43.00%38.99%43.90%37.85%43.53%36.52%32.29%29.71%33.66%36.82%

Earnings

Report DateJan 30, 1996Jul 16, 1996Oct 21, 1996Jan 22, 1997Apr 23, 1997Jul 23, 1997Nov 4, 1997Feb 5, 1998Apr 22, 1998Jul 22, 1998Oct 21, 1998Feb 5, 1999May 10, 1999Jul 30, 1999Oct 29, 1999Dec 31, 1999Mar 31, 2000Jun 30, 2000Sep 30, 2000Dec 31, 2000Mar 31, 2001Jun 30, 2001Sep 30, 2001Dec 31, 2001Mar 31, 2002Jul 12, 2002Oct 15, 2002Jan 21, 2003Apr 15, 2003Jul 16, 2003Oct 14, 2003Jan 20, 2004Apr 26, 2004Jul 19, 2004Oct 18, 2004Jan 25, 2005Apr 15, 2005Jul 20, 2005Oct 17, 2005Jan 23, 2006Apr 17, 2006Jul 24, 2006Oct 18, 2006Jan 22, 2007Apr 17, 2007Jul 23, 2007Oct 17, 2007Jan 23, 2008Apr 25, 2008Jul 23, 2008Oct 27, 2008Jan 27, 2009Apr 29, 2009Jul 27, 2009Oct 23, 2009Jan 21, 2010Apr 26, 2010Jul 22, 2010Oct 25, 2010Jan 24, 2011Apr 26, 2011Aug 8, 2011Oct 20, 2011Jan 23, 2012Apr 24, 2012Jul 27, 2012Oct 24, 2012Jan 29, 2013Apr 23, 2013Jul 23, 2013Oct 23, 2013Jan 28, 2014Apr 29, 2014Jul 22, 2014Oct 23, 2014Jan 26, 2015Apr 23, 2015Jul 23, 2015Oct 22, 2015Jan 25, 2016Apr 25, 2016Jul 26, 2016Oct 24, 2016Jan 19, 2017Apr 24, 2017Jul 24, 2017Oct 18, 2017Jan 23, 2018Apr 19, 2018Jul 19, 2018Oct 22, 2018Jan 24, 2019Apr 17, 2019Jul 22, 2019Oct 22, 2019Jan 29, 2020Apr 28, 2020Jul 23, 2020Oct 22, 2020Jan 25, 2021Apr 21, 2021Jul 22, 2021Oct 21, 2021Jan 25, 2022Apr 21, 2022Jul 21, 2022Oct 18, 2022Jan 24, 2023Apr 25, 2023Jul 25, 2023Oct 24, 2023Jan 24, 2024Apr 23, 2024Jul 23, 2024Oct 24, 2024Jan 23, 2025Apr 23, 2025Jul 22, 2025Oct 22, 2025Jan 21, 2026Apr 23, 2026Jul 22, 2026Oct 28, 2026
EPS Estimate0.500.420.450.460.480.510.570.520.540.470.550.640.510.330.37----------0.400.460.510.550.560.630.620.680.640.640.660.650.680.700.710.710.730.750.700.710.720.740.740.740.75-0.080.770.690.700.660.650.660.670.620.580.590.620.660.660.630.670.670.690.720.750.770.750.780.780.790.760.760.760.700.720.740.790.770.870.860.840.910.971.061.131.191.241.221.301.311.331.090.570.871.071.111.161.241.331.251.321.651.871.841.891.881.901.861.911.921.931.851.962.152.262.152.222.38
EPS Actual0.440.460.450.460.470.520.570.460.480.490.560.140.310.420.14-0.490.240.02-0.05-2.47-0.34-1.19-0.460.450.380.450.490.550.550.590.620.630.650.600.650.660.690.710.720.720.710.770.770.740.700.720.760.780.800.83-0.160.260.690.640.660.700.580.680.580.640.670.640.740.780.800.680.770.830.740.830.870.840.860.800.760.950.800.800.700.910.780.830.880.971.040.940.890.621.131.351.331.351.321.401.361.380.941.121.251.401.251.411.471.541.411.511.832.052.032.161.981.841.971.962.021.942.062.292.412.182.202.35-
Surprise-12.00%9.52%0.00%0.00%-2.08%1.96%0.00%-11.54%-11.11%4.26%1.82%-78.13%-39.22%27.27%-62.16%----------12.50%6.52%7.84%0.00%5.36%-1.59%1.61%-4.41%-6.25%1.56%0.00%6.15%4.41%2.86%1.41%0.00%5.48%2.67%5.71%-1.41%0.00%2.70%5.41%8.11%10.67%-100.00%-66.23%0.00%-8.57%0.00%7.69%-12.12%1.49%-6.45%10.34%13.56%3.23%12.12%18.18%26.98%1.49%14.93%20.29%2.78%10.67%12.99%12.00%10.26%2.56%-3.80%25.00%5.26%5.26%0.00%26.39%5.41%5.06%14.29%11.49%20.93%11.90%-2.20%-36.08%6.60%19.47%11.76%8.87%8.20%7.69%3.82%3.76%-13.76%96.49%43.68%30.84%12.61%21.55%18.55%15.79%12.80%14.39%10.91%9.63%10.33%14.29%5.32%-3.16%5.91%2.62%5.21%0.52%11.35%16.84%12.09%-3.54%2.33%5.86%-
TimingPre-market------------------------After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursPre-marketAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hours-Pre-marketPre-marketPre-marketPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursPre-marketPre-marketPre-marketPre-marketAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-market-

Key Statistics & Ratios

Market Cap1.97B
Enterprise Value2.23B
Trailing P/E15.24
Forward P/E16.42
PEG Ratio1.91
Price / Sales6.14
Price / Book2.42
EPS9.19
Book Value57.57
Revenue (TTM)320.51M
Gross Profit (TTM)320.51M
Profit Margin41.12%
Operating Margin51.91%
Return on Equity16.76%
Return on Assets1.97%
Shares Outstanding14.05M
Shares Float13.80M
Beta0.47
Dividend Yield2.50%
Dividend Rate3.48
Payout Ratio38.07%

Analyst Ratings

Hold
Based on 5 analystsTarget 140.40
  • Hold
    5

Ownership Breakdown

Institutions
74.08%
Insiders
3.69%
Retail / Other
22.23%

Top Institutional Holders

  • BlackRock Inc
    2.03M14.43%
  • Vanguard Portfolio Management, LLC
    956.13K6.80%
  • State Street Corp
    695.55K4.95%
  • Vanguard Capital Management, LLC
    615.04K4.38%
  • Westwood Holdings Group Inc
    575.10K4.09%
  • Charles Schwab Investment Management Inc
    495.97K3.53%
  • Dimensional Fund Advisors, Inc.
    489.65K3.48%
  • Geode Capital Management, LLC
    356.31K2.54%
  • City Holding Co
    251.21K1.79%
  • Two Sigma Investments LLC
    234.62K1.67%
  • JPMorgan Chase & Co
    228.85K1.63%
  • Morgan Stanley - Brokerage Accounts
    200.73K1.43%
  • Victory Capital Management Inc.
    168.42K1.20%
  • Northern Trust Corp
    153.16K1.09%

Top Fund Holders

  • iShares Core S&P Small-Cap ETF
    857.85K6.10%
  • Vanguard MStar Total Stk Mkt Idx Invest
    425.47K3.03%
  • Schwab US Dividend Equity ETF™
    383.41K2.73%
  • iShares Russell 2000 ETF
    357.78K2.55%
  • Vanguard Small Cap Index
    308.24K2.19%
  • Vanguard MStar Small Cap Value Index
    195.89K1.39%

Dividends

20264×
1.00Oct 15, 20260.87Jul 15, 20260.87Apr 15, 20260.87Jan 15, 2026
20254×
0.87Oct 15, 20250.79Jul 15, 20250.79Apr 15, 20250.79Jan 15, 2025
20244×
0.79Oct 15, 20240.71Jul 15, 20240.71Apr 12, 20240.71Jan 11, 2024
20234×
0.71Oct 12, 20230.65Jul 13, 20230.65Apr 13, 20230.65Jan 12, 2023
20224×
0.65Oct 13, 20220.60Jul 14, 20220.60Apr 13, 20220.60Jan 13, 2022
20214×
0.58Oct 14, 20210.58Jul 14, 20210.58Apr 14, 20210.58Jan 14, 2021

Stock Splits

  • Oct 30, 199611:10
  • Oct 30, 199511:10
  • Dec 23, 199411:10
  • Aug 17, 199211:10