How profitable a bank is affects its safety and soundness. Earnings can be retained by the bank, giving a boost to its capital buffer, or be used to address problematic loans, potentially making the bank more resilient in times of trouble. Conversely, losses reduce a bank's ability to do those things.
Wilmington Trust, National Association underperformed the average on Bankrate's earnings test, achieving a score of 12 out of a possible 30.
One important measure of a bank's earnings is return on equity, calculated by dividing net income (essentially profit) by total equity. The most recent annualized quarterly return on equity for Wilmington Trust, National Association was 5.89 percent, below the national average of 8.10 percent.
For the twelve months ended December 31, 2017, the bank reported net income of $30.3 million on total equity of $529.6 million. The bank experienced an annualized return on average assets, or ROA, of 0.74 percent, below the 1 percent deemed satisfactory in accordance with industry standards and below the average for U.S. banks of 1.00 percent.