Federal Reserve Bulletin

Profits and Balance Sheet Developments at U.S. Commercial Banks in 2005

Figure 20. Non-interest income and selected components as a proportion of revenue, 1990-2005. Data plotted as curves. Two panels. In the top panel, total non-interest income starts at about 33 percent in 1990, generally rises to reach about 44 percent in 1999, then holds at about that level through 2005. In the bottom panel, deposit fees hold at around 6 percent from 1990 through 1999, when they begin to rise slightly to about 7 percent in 2003, and they hold about there through 2005. Fiduciary income plus trading income is larger than deposit fee income during the period, generally by 1-2 percentage points, and is about 9 percent in 2005. The revenue share of other non-interest income starts at about 18 percent in 1990, generally rises to reach about 27 percent in 1999, and remains at about that level through 2005.

Note: The data are annual. Revenue is calculated as the sum of non-interest income and net interest income.  Return to article