How profitable a bank is affects its long-term survivability. Earnings may be retained by the bank, increasing its capital cushion, or be used to deal with problematic loans, likely making the bank more resilient in times of trouble. Conversely, losses diminish a bank's ability to do those things.
Marquette Farmers State Bank of Marquette underperformed the average on Bankrate's earnings test, achieving a score of 10 out of a possible 30.
Return on equity, calculated by dividing net income (profit, essentially) by the total amount of equity, is one important way to measure a bank's earnings. Marquette Farmers State Bank of Marquette's most recent annualized quarterly return on equity was 4.10 percent, below the national average of 8.10 percent.
For the twelve months ended December 31, 2017, the bank recorded net income of $202,000 on total equity of $5.0 million. The bank had an annualized return on average assets, or ROA, of 0.62 percent, below the 1 percent deemed satisfactory in accordance with industry standards and below the average for U.S. banks of 1.00 percent.