A bank's profitability affects its long-term survivability. Earnings may be retained by the bank, giving a boost to its capital cushion, or be used to address problematic loans, likely making the bank more resilient in tough times. Losses, on the other hand, reduce a bank's ability to do those things.
First National Bank of Omaha scored 18 out of a possible 30 on Bankrate's test of earnings, better than the national average of 16.52.
Return on equity, calculated by dividing net income (profit, basically) by total equity, is one important way to measure a bank's earnings. The most recent annualized quarterly return on equity for First National Bank of Omaha was 8.71 percent, below the national average of 9.28 percent.
The bank reported net income of $85.1 million on total equity of $1.98 billion for the twelve months ended June 30, 2017. The bank had an annualized return on average assets, or ROA, of 0.89 percent, below the 1 percent deemed satisfactory in accordance with industry standards and below the average for U.S. banks of 1.14 percent.