A bank's earnings performance has an effect on its safety and soundness. A bank can retain its earnings, giving a boost to its capital buffer, or use them to deal with problematic loans, potentially making the bank better able to withstand financial trouble. Losses, on the other hand, lessen a bank's ability to do those things.
On Bankrate's test of earnings, Fulton Bank, National Association scored 18 out of a possible 30, beating the national average of 16.06.
One important measure of a bank's earnings is return on equity, calculated by dividing net income (profit, basically) by total equity. The most recent annualized quarterly return on equity for Fulton Bank, National Association was 9.12 percent, above the national average of 8.10 percent.
The bank recorded net income of $115.6 million on total equity of $1.36 billion for the twelve months ended December 31, 2017. The bank experienced an annualized return on average assets, or ROA, of 1.03 percent, above the 1 percent deemed satisfactory in accordance with industry standards, and above the average for U.S. banks of 1.00 percent.