How profitable a bank is has an effect on its long-term survivability. A bank can retain its earnings, increasing its capital cushion, or put them to work addressing problematic loans, potentially making the bank more resilient in tough times. Conversely, losses take away from a bank's ability to do those things.
Republic Bank of Chicago scored 26 out of a possible 30 on Bankrate's test of earnings, better than the national average of 15.12.
One key measure of 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 Republic Bank of Chicago was 16.47 percent, above the national average of 8.10 percent.
The bank recorded net income of $32.6 million on total equity of $203.6 million for the twelve months ended December 31, 2017. The bank had an annualized return on average assets, or ROA, of 1.74 percent, above the 1 percent deemed satisfactory in accordance with industry standards, and above the average for U.S. banks of 1.00 percent.