- The report contains detailed information about Appalachian Bancshares Inc. that gives an unrivalled in-depth knowledge about internal business-environment of the company: data about the owners, senior executives, locations, subsidiaries, markets, products, and company history.
- Another part of the report is a SWOT-analysis carried out for Appalachian Bancshares Inc.. It involves specifying the objective of the company's business and identifies the different factors that are favorable and unfavorable to achieving that objective. SWOT-analysis helps to understand company’s strengths, weaknesses, opportunities, and possible threats against it.
- The Appalachian Bancshares Inc. financial analysis covers the income statement and ratio trend-charts with balance sheets and cash flows presented on an annual and quarterly basis. The report outlines the main financial ratios pertaining to profitability, margin analysis, asset turnover, credit ratios, and company’s long-term solvency. This sort of company's information will assist and strengthen your company’s decision-making processes.
- In the part that describes Appalachian Bancshares Inc. competitors and the industry in whole, the information about company's financial ratios is compared to those of its competitors and to the industry. The unique analysis of the market and company’s competitors along with detailed information about the internal and external factors affecting the relevant industry will help to manage your business environment. Your company’s business and sales activities will be boosted by gaining an insight into your competitors’ businesses.
- Also the report provides relevant news, an analysis of PR-activity, and stock price movements. The latter are correlated with pertinent news and press releases, and annual and quarterly forecasts are given by a variety of experts and market research firms. Such information creates your awareness about principal trends of Appalachian Bancshares Inc. business.
About Appalachian Bancshares Inc.
Appalachian Bancshares, Inc. operates as the bank holding company for Appalachian Community Bank and Appalachian Community Bank, F.S.B. that provide various retail and commercial banking products and services to individuals and small and medium sized businesses in north Georgia; Murphy, North Carolina; and Ducktown, Tennessee. The company's products and services include the receipt of demand and time deposit accounts, the extension of personal and commercial loans, and the furnishing of personal and commercial checking accounts.
As of December 31, 2008, the company operated 13 full-service branches in Ellijay, East Ellijay, Blue Ridge, Blairsville, Chatsworth, Dawsonville, McCaysville, Dahlonega, and Dalton, Georgia, as well as Murphy, North Carolina; and Ducktown, Tennessee.
The company offers various loans, including real estate, construction, commercial, and consumer loans to individuals and small- to mid-size businesses that are located or conduct a substantial portion of their business in its market area. The company has focused its lending activities primarily on small business owners and residential real estate developers. In addition, the company engages in secondary-market mortgage activities by obtaining commitments from secondary mortgage purchasers for loans originated by its bank.
Real Estate Loans: Loans secured by real estate are the primary component of the companys loan portfolio. These loans consist primarily of construction and development loans, commercial real estate loans and residential real estate loans.
Construction and Development Real Estate Loans: The company offers adjustable and fixed rate residential and commercial construction loans to builders and developers and to consumers wishing to build their own homes.
Commercial Real Estate Loans: The companys commercial real estate loans generally have terms of five years or less. These commercial real estate loans include various types of business purpose loans secured by farmland and nonresidential commercial real estate.
Residential Real Estate Loans: As of December 31, 2008, the companys residential real estate loans consisted primarily of loans secured by one- to- four family residences and multi-family (five or more) residences. These loans are generally secured by residential real estate. The company also offers, through its mortgage banking department, fixed and adjustable-rate residential real estate loans.
Commercial Business Loans: The company offers loans for commercial purposes to various lines of businesses.
Consumer Loans: The company offers various loans to individuals for personal and household purposes, including secured and unsecured installment and term loans, home equity loans, and lines of credit and revolving lines of credit, such as credit cards.
The company offers a range of deposit services, including checking accounts, commercial accounts, savings accounts and other time deposits of various types, ranging from daily money market accounts to long-term certificates of deposit.
Other Products and Services
The company provides a range of additional retail and commercial banking products and services, including checking, savings and money market accounts; certificates of deposit; Internet banking and bill payment; credit cards; safe-deposit boxes; money orders; electronic funds transfer services; travelers checks and automatic teller machine access. The company is also a member of the STAR ATM network, which permits its customers to perform certain banking transactions, both within and outside of its market area.
The company's competitors include Regions Bank, BB&T, and United Community Bank.
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1. APPALACHIAN BANCSHARES INC. COMPANY PROFILE
1.1. Key facts
1.2. Financial Performance
1.3. Key Executives
1.4. Ownership and Major Holders
1.5. Company History
2. APPALACHIAN BANCSHARES INC. BUSINESS OVERVIEW
2.1. Business Description
2.2. Major Products and Services
2.3. Markets and Sales Activities
2.4. Locations, Subsidiaries, Operating Units
3. APPALACHIAN BANCSHARES INC. SWOT ANALYSIS
4. APPALACHIAN BANCSHARES INC. FINANCIAL ANALYSIS
4.1. Financial Statements
4.1.1. Income Statement
4.1.2. Balance Sheet
4.1.3. Cash Flow
4.2. Financial Ratios
4.2.2. Margin Analysis
4.2.3. Asset Turnover
4.2.4. Credit Ratios
4.2.5. Long-Term Solvency
4.2.6. Growth Over Prior Year
4.2.7. Financial Ratios Charts
4.3. Stock Market Snapshot
5. APPALACHIAN BANCSHARES INC. COMPETITORS AND INDUSTRY ANALYSIS
5.1. Appalachian Bancshares Inc. Direct Competitors
5.2. Comparison of Appalachian Bancshares Inc. and Direct Competitors Financial Ratios
5.3. Comparison of Appalachian Bancshares Inc. and Direct Competitors Stock Charts
5.4. Appalachian Bancshares Inc. Industry Analysis
5.4.1. Banks and Thrifts Industry Snapshot
5.4.2. Appalachian Bancshares Inc. Industry Position Analysis
6. APPALACHIAN BANCSHARES INC. NEWS & EVENTS
6.1. News & PR Activity Analysis
6.2. IR Corporate News
6.3. Marketing News
6.4. Corporate Events
7. APPALACHIAN BANCSHARES INC. EXPERTS REVIEW1
7.1. Experts Opinion
7.2. Experts Estimates
8. APPALACHIAN BANCSHARES INC. ENHANCED SWOT ANALYSIS2
9. UNITED STATES PESTEL ANALYSIS2
9.1. Political Factors
9.2. Economic Factors
9.3. Social Factors
9.4. Technological Factors
9.5. Environmental Factors
9.6. Legal Factors
10. APPALACHIAN BANCSHARES INC. IFE, EFE, IE MATRICES2
10.1. Internal Factor Evaluation Matrix
10.2. External Factor Evaluation Matrix
10.3. Internal External Matrix
11. APPALACHIAN BANCSHARES INC. PORTER FIVE FORCES ANALYSIS2
12. APPALACHIAN BANCSHARES INC. VRIO ANALYSIS2
APPENDIX: RATIO DEFINITIONS
LIST OF TABLES
Appalachian Bancshares Inc. Key Facts
Income Statement Key Figures
Balance Sheet Key Figures
Cash Flow Statement Key Figures
Financial Performance Abbreviation Guide
Appalachian Bancshares Inc. Key Executives
Key Executives Biographies1
Key Executives Compensations1
Appalachian Bancshares Inc. Major Shareholders
Appalachian Bancshares Inc. History
Appalachian Bancshares Inc. Products
Revenues by Segment
Revenues by Region
Appalachian Bancshares Inc. Offices and Representations
Appalachian Bancshares Inc. SWOT Analysis
Yearly Income Statement Including Trends
Income Statement Latest 4 Quarters Including Trends
Yearly Balance Sheet Including Trends
Balance Sheet Latest 4 Quarters Including Trends
Yearly Cash Flow Including Trends
Cash Flow Latest 4 Quarters Including Trends
Appalachian Bancshares Inc. Profitability Ratios
Margin Analysis Ratios
Asset Turnover Ratios
Long-Term Solvency Ratios
Financial Ratios Growth Over Prior Year
Appalachian Bancshares Inc. Capital Market Snapshot
Appalachian Bancshares Inc. Direct Competitors Key Facts
Direct Competitors Profitability Ratios
Direct Competitors Margin Analysis Ratios
Direct Competitors Asset Turnover Ratios
Direct Competitors Credit Ratios
Direct Competitors Long-Term Solvency Ratios
Banks and Thrifts Industry Statistics
Appalachian Bancshares Inc. Industry Position
Company vs. Industry Income Statement Analysis
Company vs. Industry Balance Sheet Analysis
Company vs. Industry Cash Flow Analysis
Company vs. Industry Ratios Comparison
Appalachian Bancshares Inc. Consensus Recommendations1
Analyst Recommendation Summary1
Price Target Summary1
Experts Recommendation Trends1
Revenue Estimates Analysis1
Earnings Estimates Analysis1
Revenue Estimates Trend1
Earnings Estimates Trend1
LIST OF FIGURES
Appalachian Bancshares Inc. Annual Revenues in Comparison with Cost of Goods Sold and Gross Profit
Profit Margin Chart
Operating Margin Chart
Return on Equity (ROE) Chart
Return on Assets (ROA) Chart
Debt to Equity Chart
Current Ratio Chart
Appalachian Bancshares Inc. 1-year Stock Charts
Appalachian Bancshares Inc. 5-year Stock Charts
Appalachian Bancshares Inc. vs. Main Indexes 1-year Stock Chart
Appalachian Bancshares Inc. vs. Direct Competitors 1-year Stock Charts
Appalachian Bancshares Inc. Article Density Chart
1 – Data availability depends on company’s security policy.
2 – These sections are available only when you purchase a report with appropriate additional types of analyses.
The complete financial data is available for publicly traded companies.
SWOT, which stands for Strengths, Weaknesses, Opportunities and Threats, is an analytical framework that identifies the internal and external factors that are favorable and unfavorable for a company.
Enhanced SWOT Analysis
Enhanced SWOT is a 3×3 grid that arranges strengths, weaknesses, opportunities and threats into one scheme:
- How to use the strengths to take advantage of the opportunities?
- How to use the strengths to reduce likelihood and impact of the threats?
- How to overcome the weaknesses that obstruct taking advantage of the opportunities?
- How to overcome the weaknesses that can make the threats a reality?
Upon answering these questions a company can develop a project plan to improve its business performance.
PESTEL (also termed as PESTLE) is an ideal tool to strategically analyze what influence different outside factors – political, economic, sociocultural, technological, environmental and legal – exert on a business to later chart its long term targets.
Being part of the external analysis when carrying out a strategic assessment or performing a market study, PESTEL gives an overview of diverse macro-environmental factors that any company should thoughtfully consider. By perceiving these outside environments, businesses can maximally benefit from the opportunities while minimizing the threats to the organization.
Key Factors Examined by PESTEL Analysis:
- Political – What opportunities and pressures are brought by political bodies and what is the degree of public regulations’ impact on the business?
- Economic – What economic policies, trends and structures are expected to affect the organization, what is this influence’s degree?
- Sociological – What cultural and societal aspects will work upon the demand for the business’s products and operations?
- Technological – What impact do the technological aspects, innovations, incentives and barriers have on the organization?
- Environmental – What environmental and ecological facets, both locally and farther afield, are likely to predetermine the business?
- Legal – What laws and legislation will exert influence on the style the business is carried out?
IFE, EFE, IE Matrices
The Internal Factor Evaluation matrix (IFE matrix) is a strategic management tool helping audit or evaluate major weaknesses and strengths in a business’s functional areas. In addition, IFE matrix serves as a basis for identifying and assessing relationships amongst those areas. The IFE matrix is utilised in strategy formulation.
The External Factor Evaluation matrix (EFE matrix) is a tool of strategic management that is typically utilised to assess current market conditions. It is an ideal instrument for visualising and prioritising the threats and opportunities a firm is facing.
The essential difference between the above mentioned matrices lies in the type of factors incorporated in the model; whilst the latter is engaged in internal factors, the former deals exceptionally with external factors – those exposed to social, political, economic, legal, etc. external forces.
Being a continuation of the EFE matrix and IFE matrix models, the Internal External matrix (IE matrix) rests upon an investigation of external and internal business factors integrated into one suggestive model.
Porter Five Forces Analysis
The Porter’s five forces analysis studies the industry of operation and helps the company find new sources of competitive advantage. The analysis surveys an industry through five major questions:
- What composes a threat of substitute products and services?
- Is there a threat of new competitors entering the market?
- What is the intensity of competitive rivalry?
- How big is the bargaining power of buyers?
- How significant is the bargaining power of suppliers?
VRIO stands for Value, Rarity, Imitability, Organization. This analysis helps to evaluate all company’s resources and capabilities and bring them together into one aggregate table that includes:
- Tangible resources
- Intangible resources
- Innovation and Creativity
- Organizational capabilities
The result of the analysis gives a clear picture of company’s competitive and economic implications, answering the questions if the resources mentioned above are:
- Costly to imitate?
- Organized properly?