How profitable a bank is affects its long-term survivability. A bank can retain its earnings, boosting its capital cushion, or use them to address 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.
Wilmington Trust, National Association fell short of the national average on Bankrate's earnings test, achieving a score of 14 out of a possible 30.
One key way to measure a bank's earnings is return on equity, or net income (profit, basically) divided by the total amount of equity. Wilmington Trust, National Association's most recent annualized quarterly return on equity was 6.81 percent, below the national average of 9.28 percent.
For the twelve months ended June 30, 2017, the bank recorded net income of $17.2 million on total equity of $515.4 million. The bank had an annualized return on average assets, or ROA, of 0.84 percent, below the 1 percent deemed satisfactory in accordance with industry standards and below the average for U.S. banks of 1.14 percent.