A bank's earnings performance affects its safety and soundness. A bank can retain its earnings, giving a boost to its capital cushion, or use them to deal with problematic loans, potentially making the bank more resilient in tough times. Obviously, banks that are losing money have less ability to do those things.
JPMorgan Chase Bank, National Association scored 18 out of a possible 30 on Bankrate's test of earnings, above the national average of 16.06.
One important way to measure a bank's earnings is return on equity, calculated by dividing net income (profit, essentially) by total equity. JPMorgan Chase Bank, National Association's most recent annualized quarterly return on equity was 9.04 percent, above the national average of 8.10 percent.
For the twelve months ended December 31, 2017, the bank recorded net income of $18.93 billion on total equity of $211.85 billion. The bank reported 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 1.00 percent.