Citizens Holding Company
Citizens Holding Company operates as the bank holding company for The Citizens Bank of Philadelphia that provides various banking products and services. It offers short-term and long-term demand, insured cash sweep, time, and non-interest-bearing deposits; health savings, individual retirement, business and personal savings and checking, and NOW and money market accounts; and long-term certificat… Read more
Citizens Holding Company - Asset Resilience Ratio
Citizens Holding Company (CIZN) has an Asset Resilience Ratio of 12.66% as of December 2023. The Asset Resilience Ratio measures the percentage of a company's total assets that are held in liquid form (cash and short-term investments). This metric indicates how well-positioned the company is to handle unexpected financial challenges, economic downturns, or strategic opportunities without requiring external financing.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2000–2023)
This chart shows how Citizens Holding Company's Asset Resilience Ratio has changed over time. Compare with other companies' asset resilience ratios.
Liquid Assets Composition Over Time
This chart breaks down Citizens Holding Company's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $177.79 Million | 12.66% |
| Total Liquid Assets | $177.79 Million | 12.66% |
Asset Resilience Insights
- Moderate Liquidity: Citizens Holding Company has 12.66% of assets in liquid form.
- While adequate for normal operations, this level may limit flexibility during economic stress.
- The company has significant short-term investments, indicating active treasury management.
Citizens Holding Company Industry Peers by Asset Resilience Ratio
Compare Citizens Holding Company's asset resilience ratio with other companies in the same industry.
| Company | Industry | Asset Resilience Ratio |
|---|---|---|
|
Ping An Bank Co Ltd
SHE:000001 |
Banks - Regional | -6.06% |
|
Bank of Ningbo Co Ltd
SHE:002142 |
Banks - Regional | 6.40% |
|
Qingdao Rural Commercial Bank Corp Class A
SHE:002958 |
Banks - Regional | -13.48% |
|
Bank of Suzhou
SHE:002966 |
Banks - Regional | -8.31% |
|
Jeju Bank
KO:006220 |
Banks - Regional | 2.45% |
|
Industrial Bank Of Korea
KO:024110 |
Banks - Regional | 4.07% |
|
Hana Financial
KO:086790 |
Banks - Regional | 3.29% |
|
PT Bank Sinarmas Tbk
F:08S |
Banks - Regional | 3.70% |
Annual Asset Resilience Ratio for Citizens Holding Company (2000–2023)
The table below shows the annual Asset Resilience Ratio data for Citizens Holding Company.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2023-12-31 | 12.66% | $177.79 Million | $1.40 Billion | -2.55pp |
| 2022-12-31 | 15.21% | $201.32 Million | $1.32 Billion | -31.21pp |
| 2021-12-31 | 46.41% | $631.84 Million | $1.36 Billion | -0.37pp |
| 2020-12-31 | 46.79% | $678.75 Million | $1.45 Billion | +7.94pp |
| 2019-12-31 | 38.85% | $464.38 Million | $1.20 Billion | -7.55pp |
| 2018-12-31 | 46.39% | $444.75 Million | $958.63 Million | -4.46pp |
| 2017-12-31 | 50.86% | $505.05 Million | $993.10 Million | +1.06pp |
| 2016-12-31 | 49.80% | $496.12 Million | $996.27 Million | +22.34pp |
| 2015-12-31 | 27.45% | $267.26 Million | $973.50 Million | +7.94pp |
| 2014-12-31 | 19.52% | $179.75 Million | $921.06 Million | -26.09pp |
| 2013-12-31 | 45.61% | $398.18 Million | $873.07 Million | -2.18pp |
| 2012-12-31 | 47.78% | $420.91 Million | $880.84 Million | +3.93pp |
| 2011-12-31 | 43.86% | $374.51 Million | $853.95 Million | +43.71pp |
| 2010-12-31 | 0.14% | $1.16 Million | $818.32 Million | -0.48pp |
| 2009-12-31 | 0.62% | $5.23 Million | $840.00 Million | +0.49pp |
| 2008-12-31 | 0.13% | $1.00 Million | $766.05 Million | -0.09pp |
| 2007-12-31 | 0.22% | $1.51 Million | $680.90 Million | -2.29pp |
| 2006-12-31 | 2.51% | $15.60 Million | $621.20 Million | +2.46pp |
| 2005-12-31 | 0.05% | $313.00K | $614.83 Million | -1.96pp |
| 2004-12-31 | 2.01% | $11.82 Million | $587.24 Million | -27.45pp |
| 2003-12-31 | 29.46% | $162.28 Million | $550.76 Million | +28.76pp |
| 2002-12-31 | 0.71% | $3.67 Million | $518.45 Million | -1.99pp |
| 2001-12-31 | 2.70% | $11.52 Million | $427.21 Million | +1.66pp |
| 2000-12-31 | 1.04% | $3.96 Million | $382.80 Million | -- |