How profitable a bank is affects its safety and soundness. A bank can retain its earnings, boosting its capital cushion, or use them 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.
Community Bank and Trust - West Georgia scored 0 out of a possible 30 on Bankrate's earnings test, lower than the national average of 15.12.
One important 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 Community Bank and Trust - West Georgia was 2.15 percent, below the national average of 8.10 percent.
For the twelve months ended December 31, 2017, the bank reported net income of $69,000 on total equity of $3.3 million. The bank reported an annualized return on average assets, or ROA, of 0.08 percent, below the 1 percent deemed satisfactory in accordance with industry standards and below the average for U.S. banks of 1.00 percent.