A bank's ability to earn money affects its safety and soundness. A bank can retain its earnings, giving a boost to its capital cushion, or use them to address problematic loans, likely making the bank more resilient in tough times. Banks that are losing money, however, are less able to do those things.
On Bankrate's earnings test, Atlantic Trust Company, National Association scored 18 out of a possible 30, above the national average of 15.12.
Return on equity, calculated by dividing net income (profit, basically) by the total amount of equity, is one important way to measure a bank's earnings. The most recent annualized quarterly return on equity for Atlantic Trust Company, National Association was 9.15 percent, above the national average of 8.10 percent.
For the twelve months ended December 31, 2017, the bank reported net income of $15.2 million on total equity of $173.3 million. The bank experienced an annualized return on average assets, or ROA, of 7.20 percent, above the 1 percent deemed satisfactory in accordance with industry standards, and above the average for U.S. banks of 1.00 percent.