How profitable a bank is has an effect on its long-term survivability. A bank can retain its earnings, increasing its capital buffer, or use them to address problematic loans, likely making the bank better prepared to withstand economic trouble. Losses, on the other hand, take away from a bank's ability to do those things.
On Bankrate's test of earnings, HSBC Trust Company (Delaware), National Association scored 4 out of a possible 30, lower than the national average of 16.52.
Return on equity, calculated by dividing net income (profit, basically) by total equity, is one important way to measure a bank's earnings. The most recent annualized quarterly return on equity for HSBC Trust Company (Delaware), National Association was 1.20 percent, below the national average of 9.28 percent.
For the twelve months ended June 30, 2017, the bank reported net income of $322,000 on total equity of $53.7 million. The bank experienced an annualized return on average assets, or ROA, of 1.18 percent, above the 1 percent deemed satisfactory in accordance with industry standards, and above the average for U.S. banks of 1.14 percent.