A bank's ability to earn money affects its long-term survivability. A bank can retain its earnings, boosting its capital buffer, or use them to address problematic loans, likely making the bank more resilient in tough times. Losses, on the other hand, lessen a bank's ability to do those things.
On Bankrate's earnings test, Capital Community Bank scored 26 out of a possible 30, better than the national average of 16.52.
Return on equity, calculated by dividing net income (essentially, profit) by the total amount of equity, is one key measure of a bank's earnings. Capital Community Bank's most recent annualized quarterly return on equity was 19.65 percent, above the national average of 9.28 percent.
For the twelve months ended June 30, 2017, the bank reported net income of $2.8 million on total equity of $31.2 million. The bank had an annualized return on average assets, or ROA, of 1.76 percent, above the 1 percent deemed satisfactory in accordance with industry standards, and above the average for U.S. banks of 1.14 percent.