A bank's profitability affects its safety and soundness. Earnings can be retained by the bank, increasing its capital cushion, or be used to deal with problematic loans, potentially making the bank better prepared to withstand financial trouble. Conversely, losses reduce a bank's ability to do those things.
Goppert Financial Bank received below-average marks on Bankrate's earnings test, achieving a score of 10 out of a possible 30.
One important way to measure a bank's earnings is return on equity, or net income (profit, basically) divided by the total amount of equity. The most recent annualized quarterly return on equity for Goppert Financial Bank was 4.74 percent, below the national average of 8.10 percent.
For the twelve months ended December 31, 2017, the bank recorded net income of $812,000 on total equity of $17.1 million. The bank had an annualized return on average assets, or ROA, of 0.48 percent, below the 1 percent deemed satisfactory in accordance with industry standards and below the average for U.S. banks of 1.00 percent.