A bank's ability to earn money has an effect on its long-term survivability. A bank can retain its earnings, giving a boost to its capital buffer, or use them to deal with problematic loans, potentially making the bank more resilient in times of trouble. Banks that are losing money, however, have less ability to do those things.
ANZ Guam, Inc. fell behind the national average on Bankrate's test of earnings, achieving a score of 0 out of a possible 30.
One important way to measure a bank's earnings is return on equity, or net income (profit, basically) divided by the total amount of equity. The most recent annualized quarterly return on equity for ANZ Guam, Inc. was -2.06 percent, below the national average of 8.10 percent.
The bank reported net income of $-981,000 on total equity of $46.5 million for the twelve months ended December 31, 2017. The bank reported an annualized return on average assets, or ROA, of -0.28 percent, below the 1 percent deemed satisfactory in accordance with industry standards and below the average for U.S. banks of 1.00 percent.