How profitable a bank is affects its long-term survivability. A bank can retain its earnings, giving a boost to its capital buffer, or use them to address problematic loans, potentially making the bank more resilient in times of trouble. Obviously, banks that are losing money have less ability to do those things.
CENTRAL BANK OF ST. LOUIS received above-average marks on Bankrate's earnings test, achieving a score of 20 out of a possible 30.
One widely used measure of a bank's earnings is return on equity, or net income (profit, essentially) divided by the total amount of equity. CENTRAL BANK OF ST. LOUIS's most recent annualized quarterly return on equity was 10.61 percent, above the national average of 9.28 percent.
The bank reported net income of $10.5 million on total equity of $203.3 million for the twelve months ended June 30, 2017. The bank reported an annualized return on average assets, or ROA, of 1.10 percent, above the 1 percent deemed satisfactory in accordance with industry standards, but below the average for U.S. banks of 1.14 percent.