How profitable a bank is affects its safety and soundness. Earnings can be retained by the bank, boosting its capital cushion, or be used to deal with problematic loans, likely making the bank more resilient in tough times. Obviously, banks that are losing money have less ability to do those things.
On Bankrate's test of earnings, First Bank & Trust scored 30 out of a possible 30, better than 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 the total amount of equity. The most recent annualized quarterly return on equity for First Bank & Trust was 23.72 percent, above the national average of 8.10 percent.
The bank earned net income of $22.0 million on total equity of $102.6 million for the twelve months ended December 31, 2017. The bank reported an annualized return on average assets, or ROA, of 2.42 percent, above the 1 percent deemed satisfactory in accordance with industry standards, and above the average for U.S. banks of 1.00 percent.