How profitable a bank is has an effect on its safety and soundness. Earnings may be retained by the bank, increasing its capital cushion, or be used to deal with problematic loans, potentially making the bank more resilient in tough times. Conversely, losses reduce a bank's ability to do those things.
On Bankrate's test of earnings, Central Bank Illinois scored 20 out of a possible 30, beating the national average of 15.12.
One important measure of a bank's earnings is return on equity, calculated by dividing net income (profit, essentially) by the total amount of equity. Central Bank Illinois's most recent annualized quarterly return on equity was 12.65 percent, above the national average of 8.10 percent.
For the twelve months ended December 31, 2017, the bank earned net income of $10.3 million on total equity of $97.9 million. The bank experienced an annualized return on average assets, or ROA, of 1.43 percent, above the 1 percent deemed satisfactory in accordance with industry standards, and above the average for U.S. banks of 1.00 percent.