How profitable a bank is has an effect on its long-term survivability. Earnings may be retained by the bank, boosting its capital buffer, or be used to deal with problematic loans, potentially making the bank better able to withstand economic trouble. Losses, on the other hand, reduce a bank's ability to do those things.
On Bankrate's test of earnings, Heartland Bank and Trust Company scored 26 out of a possible 30, better than the national average of 15.12.
Return on equity, calculated by dividing net income (essentially, profit) by the total amount of equity, is one widely used measure of a bank's earnings. Heartland Bank and Trust Company's most recent annualized quarterly return on equity was 15.95 percent, above the national average of 8.10 percent.
The bank earned net income of $52.0 million on total equity of $320.1 million for the twelve months ended December 31, 2017. The bank had an annualized return on average assets, or ROA, of 1.75 percent, above the 1 percent deemed satisfactory in accordance with industry standards, and above the average for U.S. banks of 1.00 percent.