A bank's ability to earn money has an effect on its safety and soundness. Earnings can be retained by the bank, boosting its capital cushion, or be used to address problematic loans, likely making the bank more resilient in tough times. Losses, on the other hand, diminish a bank's ability to do those things.
CB&S Bank, Inc. did below-average on Bankrate's earnings test, achieving a score of 12 out of a possible 30.
One important measure of a bank's earnings is return on equity, or net income (essentially profit) divided by total equity. The most recent annualized quarterly return on equity for CB&S Bank, Inc. was 5.91 percent, below the national average of 8.10 percent.
For the twelve months ended December 31, 2017, the bank recorded net income of $11.2 million on total equity of $192.8 million. The bank reported an annualized return on average assets, or ROA, of 0.69 percent, below the 1 percent deemed satisfactory in accordance with industry standards and below the average for U.S. banks of 1.00 percent.