Habersham Bancorp
Habersham Bancorp does not have significant operations. Previously, the company, operated as the bank holding company for Habersham Bank that provided commercial banking services to businesses and individuals in Habersham, White, Cherokee, Warren, Stephens, Forsyth, and Hall Counties in Georgia. Habersham Bancorp was founded in 1904 and is based in Cornelia, Georgia.
Habersham Bancorp (HABC) - Total Assets
Latest total assets as of September 2010: $396.28 Million USD
Based on the latest financial reports, Habersham Bancorp (HABC) holds total assets worth $396.28 Million USD as of September 2010.
Total assets represent everything the company owns and controls, combining both current assets—like cash and cash equivalents, accounts receivable, and inventories—and non-current assets such as property, plant, equipment (PP&E), intangible assets, and long-term investments.
Habersham Bancorp - Total Assets Trend (1993–2009)
This chart illustrates how Habersham Bancorp’s total assets have evolved over time, based on quarterly financial data. Explore and compare other companies by total assets.
Habersham Bancorp - Asset Composition Analysis
Current Asset Composition (December 2009)
Habersham Bancorp's total assets of $396.28 Million consist of 10.1% current assets and 89.9% non-current assets.
| Asset Category | Amount (USD) | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 9.3% |
| Accounts Receivable | $3.51 Million | 0.8% |
| Inventory | $37.83 Million | 8.3% |
| Property, Plant & Equipment | $12.61 Million | 2.8% |
| Intangible Assets | $0.00 | 0.0% |
| Goodwill | $0.00 | 0.0% |
Asset Composition Trend (1993–2009)
This chart illustrates how Habersham Bancorp's asset composition has evolved over time. Understanding changes in asset allocation can provide insights into the company's strategic shifts, capital allocation priorities, and business focus evolution.
Key Asset Composition Facts
- Current vs. Non-Current Assets: Habersham Bancorp's current assets represent 10.1% of total assets in 2009, an increase from 5.9% in 1993.
- Cash Position: Cash and equivalents constituted 9.3% of total assets in 2009, up from 5.1% in 1993.
- Tangible vs. Intangible: Intangible assets (including goodwill) make up 0.0% of total assets, unchanged from 0.0% in 1993.
- Asset Diversification: The largest asset category is inventory at 8.3% of total assets.
Habersham Bancorp Competitors by Total Assets
Key competitors of Habersham Bancorp based on total assets are shown below.
| Company | Country | Total Assets |
|---|---|---|
|
Ping An Bank Co Ltd
SHE:000001
|
China | CN¥5.77 Trillion |
|
Bank of Ningbo Co Ltd
SHE:002142
|
China | CN¥3.58 Trillion |
|
Bank of Zhengzhou Co Ltd Class A
SHE:002936
|
China | CN¥743.55 Billion |
|
Qingdao Rural Commercial Bank Corp Class A
SHE:002958
|
China | CN¥509.92 Billion |
|
Bank of Suzhou
SHE:002966
|
China | CN¥776.04 Billion |
|
Jeju Bank
KO:006220
|
Korea | ₩7.72 Trillion |
|
Industrial Bank Of Korea
KO:024110
|
Korea | ₩490.11 Trillion |
|
Hana Financial
KO:086790
|
Korea | ₩659.08 Trillion |
Habersham Bancorp - Asset Efficiency Metrics
Asset efficiency metrics measure how effectively a company uses its assets to generate revenue and profits. These indicators help investors evaluate management's ability to deploy capital efficiently.
Asset Turnover Ratio
Measures how efficiently a company uses its assets to generate sales
Lower asset utilization - Habersham Bancorp generates 0.05x its asset value in annual revenue.
Return on Assets (ROA)
Measures how efficiently a company uses its assets to generate profits
Negative ROA - Habersham Bancorp is currently not profitable relative to its asset base.
Habersham Bancorp - Liquidity and Working Capital Analysis
Liquidity ratios measure a company's ability to pay off its short-term debts as they come due, using the company's current or quick assets. Working capital represents the operational liquidity available.
Key Liquidity Metrics
| Metric | Current | 1 Year Ago | 5 Years Ago |
|---|---|---|---|
| Current Ratio | 0.08 | 0.08 | 0.14 |
| Quick Ratio | -0.03 | -0.01 | 0.13 |
| Cash Ratio | 0.00 | 0.00 | 0.00 |
| Working Capital | $-318.86 Million | $ -382.37 Million | $ -330.66 Million |
Habersham Bancorp - Advanced Valuation Insights
This section examines the relationship between Habersham Bancorp's asset base and its market valuation, helping to identify whether the company's assets are efficiently translated into market value.
Key Valuation Metrics
| Current Price-to-Book Ratio | 0.00 |
| Latest Market Cap to Assets Ratio | 0.00 |
| Asset Growth Rate (YoY) | -7.9% |
| Total Assets | $456.02 Million |
| Market Capitalization | $177.52 USD |
Valuation Analysis
Below Book Valuation: The market values Habersham Bancorp's assets below their book value (0.00 x), which may indicate investor concerns about asset quality or future growth.
Significant Asset Reduction: Habersham Bancorp's assets decreased by 7.9% over the past year, potentially indicating divestiture, restructuring, or challenging business conditions.
Annual Total Assets for Habersham Bancorp (1993–2009)
The table below shows the annual total assets of Habersham Bancorp from 1993 to 2009.
| Year | Total Assets | Change |
|---|---|---|
| 2009-12-31 | $456.02 Million | -7.85% |
| 2008-12-31 | $494.87 Million | -3.76% |
| 2007-12-31 | $514.22 Million | -7.47% |
| 2006-12-31 | $555.74 Million | +16.16% |
| 2005-12-31 | $478.43 Million | +23.97% |
| 2004-12-31 | $385.93 Million | +2.92% |
| 2003-12-31 | $374.98 Million | -12.68% |
| 2002-12-31 | $429.41 Million | -21.43% |
| 2001-12-31 | $546.50 Million | +0.63% |
| 2000-12-31 | $543.11 Million | +17.56% |
| 1999-12-31 | $462.00 Million | +20.28% |
| 1998-12-31 | $384.10 Million | +17.03% |
| 1997-12-31 | $328.20 Million | +5.87% |
| 1996-12-31 | $310.00 Million | +35.02% |
| 1995-12-31 | $229.60 Million | +42.34% |
| 1994-12-31 | $161.30 Million | +1.54% |
| 1993-12-31 | $158.86 Million | -- |