Citizens Holding Balance Sheet Health
Financial Health criteria checks 5/6
Citizens Holding has total assets of $1.5B and total equity of $50.5M. Total deposits are $1.1B, and total loans are $704.7M. It earns a Net Interest Margin of 2.5%. It has sufficient allowance for bad loans, which are currently at 0.7% of total loans. Cash and short-term investments are $105.1M.
Key information
29.2x
Asset to equity ratio
2.5%
Net interest margin
| Total deposits | US$1.09b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 0.7% |
| Allowance for bad loans | Sufficient |
| Current ratio | Low |
| Cash & equivalents | US$105.06m |
Recent financial health updates
Recent updates
Citizens Holding (NASDAQ:CIZN) Will Pay A Smaller Dividend Than Last Year
Jun 08
Citizens Holding (NASDAQ:CIZN) Is Paying Out A Dividend Of $0.24
Mar 10Citizens Holding declares $0.24 dividend
Aug 25Citizens Holding GAAP EPS of $0.45, revenue of $11.53M
Jul 26Citizens Holding (NASDAQ:CIZN) Has Re-Affirmed Its Dividend Of US$0.24
Dec 05Citizens Holding (NASDAQ:CIZN) Has Affirmed Its Dividend Of US$0.24
Jun 14We think Citizens Holding Company's (NASDAQ:CIZN) CEO May Struggle To See Much Of A Pay Rise This Year
Apr 21Do Citizens Holding's (NASDAQ:CIZN) Earnings Warrant Your Attention?
Apr 18Don't Buy Citizens Holding Company (NASDAQ:CIZN) For Its Next Dividend Without Doing These Checks
Mar 11Should Citizens Holding Company (NASDAQ:CIZN) Be Part Of Your Dividend Portfolio?
Feb 01
We Wouldn't Be Too Quick To Buy Citizens Holding Company (NASDAQ:CIZN) Before It Goes Ex-Dividend
Dec 11Citizens Holding declares $0.24 dividend
Nov 28Citizens Holding's (NASDAQ:CIZN) Stock Price Has Reduced 15% In The Past Three Years
Nov 24Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: CIZN's Assets to Equity ratio (29.2x) is very high.
Allowance for Bad Loans: CIZN has a sufficient allowance for bad loans (143%).
Low Risk Liabilities: 77% of CIZN's liabilities are made up of primarily low risk sources of funding.
Loan Level: CIZN has an appropriate level of Loans to Assets ratio (48%).
Low Risk Deposits: CIZN's Loans to Deposits ratio (64%) is appropriate.
Level of Bad Loans: CIZN has an appropriate level of bad loans (0.7%).