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. Read debt load of Citizens Holding Company for a breakdown of total debt and financial obligations.
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. See net assets of Citizens Holding Company for net asset value and shareholders' equity analysis.
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. For market capitalisation and broader financial context, see market cap of Citizens Holding Company.
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 |
|---|---|---|
|
Bank of Guiyang Co Ltd
SHG:601997 |
Banks - Regional | -0.78% |
|
VersaBank
TO:VBNK |
Banks - Regional | 1.65% |
|
Bank Agris Tbk
JK:AGRS |
Banks - Regional | 1.98% |
|
RMB Holdings Ltd
JSE:RMH |
Banks - Regional | 20.83% |
|
Bank Tabungan Pensiunan Nasional Syariah PT
JK:BTPS |
Banks - Regional | 44.92% |
|
Banco Bradesco DRC
BA:BBD |
Banks - Regional | 4.82% |
|
Grupo Financiero Galicia S.A.
BA:GGAL |
Banks - Regional | 8.18% |
|
Banco Macro SA B
BA:BMA |
Banks - Regional | 0.55% |
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 | -- |
About 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