A bank's earnings performance affects its safety and soundness. Earnings may be retained by the bank, giving a boost to its capital buffer, or be used to deal with problematic loans, likely making the bank more resilient in times of trouble. Conversely, losses take away from a bank's ability to do those things.
First Bank & Trust scored 18 out of a possible 30 on Bankrate's test of earnings, above the national average of 15.12.
One important measure of a bank's earnings is return on equity, or net income (profit, essentially) divided by total equity. First Bank & Trust's most recent annualized quarterly return on equity was 8.49 percent, above the national average of 8.10 percent.
The bank earned net income of $7.9 million on total equity of $96.6 million for the twelve months ended December 31, 2017. The bank had an annualized return on average assets, or ROA, of 0.71 percent, below the 1 percent deemed satisfactory in accordance with industry standards and below the average for U.S. banks of 1.00 percent.