Citystate Savings Bank Balance Sheet Health
Financial Health criteria checks 4/6
Citystate Savings Bank has total assets of ₱6.5B and total equity of ₱1.1B. Total deposits are ₱5.2B, and total loans are ₱3.3B earning a Net Interest Margin of 5.3%. It has insufficient allowance for bad loans, which are currently at 14.8% of total loans. Cash and short-term investments are ₱658.0M.
Key information
6.1x
Asset to equity ratio
5.3%
Net interest margin
| Total deposits | ₱5.22b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 14.8% |
| Allowance for bad loans | Low |
| Current ratio | Low |
| Cash & equivalents | ₱657.99m |
Recent financial health updates
No updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: CSB's Assets to Equity ratio (6.1x) is low.
Allowance for Bad Loans: CSB has a low allowance for bad loans (20%).
Low Risk Liabilities: 96% of CSB's liabilities are made up of primarily low risk sources of funding.
Loan Level: CSB has an appropriate level of Loans to Assets ratio (51%).
Low Risk Deposits: CSB's Loans to Deposits ratio (64%) is appropriate.
Level of Bad Loans: CSB has a high level of bad loans (14.8%).