How profitable a bank is affects 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 better prepared to withstand economic trouble. Losses, on the other hand, diminish a bank's ability to do those things.
The Pennsville National Bank scored 8 out of a possible 30 on Bankrate's test of earnings, below the national average of 15.12.
One important measure of a bank's earnings is return on equity, or net income (profit, essentially) divided by total equity. The most recent annualized quarterly return on equity for The Pennsville National Bank was 3.21 percent, below the national average of 8.10 percent.
For the twelve months ended December 31, 2017, the bank earned net income of $541,000 on total equity of $16.2 million. The bank experienced an annualized return on average assets, or ROA, of 0.26 percent, below the 1 percent deemed satisfactory in accordance with industry standards and below the average for U.S. banks of 1.00 percent.