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Exchange Banknta Rosa (Exchange Banknta Rosa) ROA % : 0.75% (As of Sep. 2023)


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What is Exchange Banknta Rosa ROA %?

ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Exchange Banknta Rosa's annualized Net Income for the quarter that ended in Sep. 2023 was $25.37 Mil. Exchange Banknta Rosa's average Total Assets over the quarter that ended in Sep. 2023 was $3,363.23 Mil. Therefore, Exchange Banknta Rosa's annualized ROA % for the quarter that ended in Sep. 2023 was 0.75%.

The historical rank and industry rank for Exchange Banknta Rosa's ROA % or its related term are showing as below:

EXSR' s ROA % Range Over the Past 10 Years
Min: -0.24   Med: 0.86   Max: 1.47
Current: 0.19

During the past 13 years, Exchange Banknta Rosa's highest ROA % was 1.47%. The lowest was -0.24%. And the median was 0.86%.

EXSR's ROA % is ranked worse than
88.02% of 1461 companies
in the Banks industry
Industry Median: 0.89 vs EXSR: 0.19

Exchange Banknta Rosa ROA % Historical Data

The historical data trend for Exchange Banknta Rosa's ROA % 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.

* Premium members only.

Exchange Banknta Rosa ROA % Chart

Exchange Banknta Rosa Annual Data
Trend Dec09 Dec10 Dec11 Dec12 Dec13 Dec14 Dec15 Dec16 Dec17 Dec18
ROA %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.96 1.06 1.01 0.82 1.47

Exchange Banknta Rosa Quarterly Data
Sep14 Dec14 Mar15 Jun15 Sep15 Dec15 Mar16 Jun16 Sep16 Dec16 Mar17 Jun17 Sep17 Dec17 Mar18 Jun18 Sep18 Dec18 Sep22 Sep23
ROA % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 1.34 1.46 1.37 1.52 0.75

Competitive Comparison of Exchange Banknta Rosa's ROA %

For the Banks - Regional subindustry, Exchange Banknta Rosa's ROA %, along with its competitors' market caps and ROA % 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.


Exchange Banknta Rosa's ROA % Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Exchange Banknta Rosa's ROA % distribution charts can be found below:

* The bar in red indicates where Exchange Banknta Rosa's ROA % falls into.



Exchange Banknta Rosa ROA % Calculation

Exchange Banknta Rosa's annualized ROA % for the fiscal year that ended in Dec. 2018 is calculated as:

ROA %=Net Income (A: Dec. 2018 )/( (Total Assets (A: Dec. 2017 )+Total Assets (A: Dec. 2018 ))/ count )
=38.511/( (2584.092+2653.96)/ 2 )
=38.511/2619.026
=1.47 %

Exchange Banknta Rosa's annualized ROA % for the quarter that ended in Sep. 2023 is calculated as:

ROA %=Net Income (Q: Sep. 2023 )/( (Total Assets (Q: Sep. 2022 )+Total Assets (Q: Sep. 2023 ))/ count )
=25.372/( (0+3363.232)/ 1 )
=25.372/3363.232
=0.75 %

* 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.

In the calculation of annual ROA %, the net income of the last fiscal year and the average total assets over the fiscal year are used. In calculating the quarterly data, the Net Income data used here is four times the quarterly (Sep. 2023) net income data. ROA % is displayed in the 30-year financial page.


Exchange Banknta Rosa  (OTCPK:EXSR) ROA % Explanation

ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A bank’s ROA % is typically well under 2%.

Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:

ROA %(Q: Sep. 2023 )
=Net Income/Total Assets
=25.372/3363.232
=(Net Income / Revenue)*(Revenue / Total Assets)
=(25.372 / 109.664)*(109.664 / 3363.232)
=Net Margin %*Asset Turnover
=23.14 %*0.0326
=0.75 %

Note: The Net Income data used here is four times the quarterly (Sep. 2023) net income data. The Revenue data used here is four times the quarterly (Sep. 2023) revenue data.

* 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.


Be Aware

Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).

Many analysts argue the higher return the better. Buffett states that really high ROA % may indicate vulnerability in the durability of the competitive advantage.

E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.


Exchange Banknta Rosa ROA % Related Terms

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Exchange Banknta Rosa (Exchange Banknta Rosa) Business Description

Traded in Other Exchanges
N/A
Address
545 4th Street, P.O. Box 403, Santa Rosa, CA, USA, 95401
Exchange Bank Santa Rosa together with its subsidiaries, provides community banking services to individuals and businesses. The bank offers personal banking, business banking, and trust and investment management services. It offers services such as checking plans, savings plans, debit MasterCard, visa credit cards, loans and lines, online and bill pay, cash management, merchant services, credit cards for business, home equity lines of credit, home equity loans, auto loans, unsecured personal loans, and others. Geographically all the business activity is functioned through the region of the United States.

Exchange Banknta Rosa (Exchange Banknta Rosa) Headlines