A bank's ability to earn money affects its long-term survivability. A bank can retain its earnings, giving a boost to its capital buffer, or use them to deal with problematic loans, potentially making the bank better prepared to withstand economic shocks. However, banks that are losing money are less able to do those things.
On Bankrate's test of earnings, Country Club Bank scored 22 out of a possible 30, better than the national average of 15.12.
One important way to measure a bank's earnings is return on equity, or net income (profit, essentially) divided by the total amount of equity. The most recent annualized quarterly return on equity for Country Club Bank was 13.43 percent, above the national average of 8.10 percent.
The bank reported net income of $17.2 million on total equity of $129.4 million for the twelve months ended December 31, 2017. The bank had an annualized return on average assets, or ROA, of 1.22 percent, above the 1 percent deemed satisfactory in accordance with industry standards, and above the average for U.S. banks of 1.00 percent.