Community Investors Bancorp (Community Investors Bancorp) Cash-to-Debt : 0.32 (As of Jun. 2004)

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What is Community Investors Bancorp Cash-to-Debt?

Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. Community Investors Bancorp's cash to debt ratio for the quarter that ended in Jun. 2004 was 0.32.

If Cash to Debt ratio is less than 1, the company cannot pay off its debt using the cash in hand. Here we can see, Community Investors Bancorp couldn't pay off its debt using the cash in hand for the quarter that ended in Jun. 2004.

The historical rank and industry rank for Community Investors Bancorp's Cash-to-Debt or its related term are showing as below:

CIBN's Cash-to-Debt is not ranked ^*
in the Banks industry.
Industry Median: 1.3
* Ranked among companies with meaningful Cash-to-Debt only.

Community Investors Bancorp Cash-to-Debt Historical Data

The historical data trend for Community Investors Bancorp's Cash-to-Debt can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.

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Community Investors Bancorp Cash-to-Debt Chart

Community Investors Bancorp Annual Data

Trend

Jun95

Jun96

Jun97

Jun98

Jun99

Jun00

Jun01

Jun02

Jun03

Jun04

Cash-to-Debt

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No Debt

0.15

0.35

0.68

0.32

Community Investors Bancorp Semi-Annual Data
	Jun95	Jun96	Jun97	Jun98	Jun99	Jun00	Jun01	Jun02	Jun03	Jun04
Cash-to-Debt	Get a 7-Day Free Trial					No Debt	0.15	0.35	0.68	0.32

Competitive Comparison of Community Investors Bancorp's Cash-to-Debt

For the Banks - Regional subindustry, Community Investors Bancorp's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Community Investors Bancorp's Cash-to-Debt Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Community Investors Bancorp's Cash-to-Debt distribution charts can be found below:

* The bar in red indicates where Community Investors Bancorp's Cash-to-Debt falls into.

Community Investors Bancorp Cash-to-Debt Calculation

This is the ratio of a company's Balance Sheet Cash And Cash Equivalents to its debt. The debt includes the Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation. This ratio measures the financial strength of a company. This ratio is updated quarterly.

Community Investors Bancorp's Cash to Debt Ratio for the fiscal year that ended in Jun. 2004 is calculated as:

Cash to Debt Ratio	=	Balance Sheet Cash And Cash Equivalents	/	Total Debt
	=	Balance Sheet Cash And Cash Equivalents	/	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)
	=	6.72	/	(0	+	21.062)
	=	0.32

Community Investors Bancorp's Cash to Debt Ratio for the quarter that ended in Jun. 2004 is calculated as:

Cash to Debt Ratio	=	Balance Sheet Cash And Cash Equivalents	/	Total Debt
	=	Balance Sheet Cash And Cash Equivalents	/	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)
	=	6.72	/	(0	+	21.062)
	=	0.32

Community Investors Bancorp (OTCPK:CIBN) Cash-to-Debt Explanation

If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.

Community Investors Bancorp Cash-to-Debt Related Terms

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Community Investors Bancorp (Community Investors Bancorp) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Community Investors Bancorp Inc (OTCPK:CIBN) » Definitions » Cash-to-Debt

Comparable Companies

Traded in Other Exchanges

N/A

Address

119 South Sandusky Avenue, P.O. Box 749, Bucyrus, OH, USA, 44820

Website

https://www.ffcb.com

Community Investors Bancorp Inc operates as a bank holding company engages in the provision of personal and commercial banking services in Ohio. Its banking services include personal, business, loan center, checking accounts, and certificates of deposit, and retirement planning.

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