A bank's ability to earn money has an effect on its long-term survivability. A bank can retain its earnings, giving a boost to its capital buffer, or use them to address problematic loans, likely making the bank more resilient in tough times. Obviously, banks that are losing money have less ability to do those things.
On Bankrate's earnings test, The Atlanta National Bank scored 14 out of a possible 30, less than the national average of 15.12.
One widely used way to measure a bank's earnings is return on equity, or net income (essentially profit) divided by the total amount of equity. The Atlanta National Bank's most recent annualized quarterly return on equity was 6.67 percent, below the national average of 8.10 percent.
For the twelve months ended December 31, 2017, the bank earned net income of $502,000 on total equity of $7.6 million. The bank reported an annualized return on average assets, or ROA, of 0.83 percent, below the 1 percent deemed satisfactory in accordance with industry standards and below the average for U.S. banks of 1.00 percent.