A bank's profitability has an effect on its long-term survivability. Earnings can be retained by the bank, increasing its capital cushion, or be used to deal with problematic loans, potentially making the bank more resilient in tough times. Losses, on the other hand, diminish a bank's ability to do those things.
JPMorgan Chase Bank, Dearborn fell behind the national average on Bankrate's test of earnings, achieving a score of 2 out of a possible 30.
One important way to measure a bank's earnings is return on equity, calculated by dividing net income (essentially profit) by total equity. The most recent annualized quarterly return on equity for JPMorgan Chase Bank, Dearborn was 0.79 percent, below the national average of 9.28 percent.
For the twelve months ended June 30, 2017, the bank reported net income of $223,000 on total equity of $56.4 million. The bank had an annualized return on average assets, or ROA, of 0.74 percent, below the 1 percent deemed satisfactory in accordance with industry standards and below the average for U.S. banks of 1.14 percent.