A bank's earnings performance has an effect on its long-term survivability. A bank can retain its earnings, expanding its capital buffer, or put them to work addressing problematic loans, likely making the bank better prepared to withstand financial shocks. Obviously, banks that are losing money have less ability to do those things.
Fidelity Personal Trust Company, FSB outperformed the average on Bankrate's earnings test, achieving a score of 30 out of a possible 30.
One widely used way to measure a bank's earnings is return on equity, calculated by dividing net income (essentially profit) by total equity. Fidelity Personal Trust Company, FSB's most recent annualized quarterly return on equity was 76.62 percent, above the national average of 8.10 percent.
The bank recorded net income of $61.8 million on total equity of $99.3 million for the twelve months ended December 31, 2017. The bank experienced an annualized return on average assets, or ROA, of 66.26 percent, above the 1 percent deemed satisfactory in accordance with industry standards, and above the average for U.S. banks of 1.00 percent.