A bank's earnings performance affects its safety and soundness. Earnings may be retained by the bank, expanding its capital buffer, or be used to deal with problematic loans, potentially making the bank better able to withstand economic trouble. Obviously, banks that are losing money are less able to do those things.
On Bankrate's test of earnings, Atlantic Community Bank scored 0 out of a possible 30, lower than the national average of 15.12.
One widely used measure of a bank's earnings is return on equity, or net income (profit, basically) divided by total equity. The most recent annualized quarterly return on equity for Atlantic Community Bank was -2.61 percent, below the national average of 8.10 percent.
The bank recorded net income of $-269,000 on total equity of $9.9 million for the twelve months ended December 31, 2017. The bank had an annualized return on average assets, or ROA, of -0.31 percent, below the 1 percent deemed satisfactory in accordance with industry standards and below the average for U.S. banks of 1.00 percent.