A bank's ability to earn money affects its long-term survivability. A bank can retain its earnings, boosting its capital cushion, or put them to work addressing problematic loans, potentially making the bank more resilient in times of trouble. However, banks that are losing money are less able to do those things.
On Bankrate's earnings test, Asian Bank scored 18 out of a possible 30, better than the national average of 16.52.
One important measure of a bank's earnings is return on equity, calculated by dividing net income (profit, essentially) by total equity. Asian Bank's most recent annualized quarterly return on equity was 9.70 percent, above the national average of 9.28 percent.
For the twelve months ended June 30, 2017, the bank reported net income of $708,000 on total equity of $15.0 million. The bank experienced an annualized return on average assets, or ROA, of 0.83 percent, below the 1 percent deemed satisfactory in accordance with industry standards and below the average for U.S. banks of 1.14 percent.