A bank's earnings performance has an effect on its safety and soundness. A bank can retain its earnings, increasing its capital cushion, or put them to work addressing problematic loans, likely making the bank better prepared to withstand economic shocks. However, banks that are losing money have less ability to do those things.
On Bankrate's earnings test, Maple Bank scored 0 out of a possible 30, below the national average of 15.12.
One key 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 Maple Bank was -5.43 percent, below the national average of 8.10 percent.
For the twelve months ended December 31, 2017, the bank reported net income of $-365,000 on total equity of $6.4 million. The bank reported an annualized return on average assets, or ROA, of -0.71 percent, below the 1 percent deemed satisfactory in accordance with industry standards and below the average for U.S. banks of 1.00 percent.