A bank's ability to earn money affects its long-term survivability. Earnings may be retained by the bank, boosting its capital buffer, or be used to deal with problematic loans, potentially making the bank more resilient in times of trouble. Losses, on the other hand, diminish a bank's ability to do those things.
Edward Jones Trust Company received above-average marks on Bankrate's earnings test, achieving a score of 22 out of a possible 30.
Return on equity, calculated by dividing net income (profit, basically) by total equity, is one important measure of a bank's earnings. Edward Jones Trust Company's most recent annualized quarterly return on equity was 13.96 percent, above the national average of 8.10 percent.
The bank recorded net income of $9.2 million on total equity of $69.9 million for the twelve months ended December 31, 2017. The bank had an annualized return on average assets, or ROA, of 12.53 percent, above the 1 percent deemed satisfactory in accordance with industry standards, and above the average for U.S. banks of 1.00 percent.