How profitable a bank is has an effect on its long-term survivability. A bank can retain its earnings, expanding its capital cushion, or use them to address problematic loans, likely making the bank better able to withstand economic trouble. Losses, on the other hand, reduce a bank's ability to do those things.
On Bankrate's earnings test, World's Foremost Bank scored 30 out of a possible 30, better than the national average of 16.52.
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 World's Foremost Bank was 26.29 percent, above the national average of 9.28 percent.
For the twelve months ended June 30, 2017, the bank earned net income of $82.7 million on total equity of $652.9 million. The bank reported an annualized return on average assets, or ROA, of 2.90 percent, above the 1 percent deemed satisfactory in accordance with industry standards, and above the average for U.S. banks of 1.14 percent.