Profits and Balance Sheet Developments at U.S. Commercial Banks in 2007
Figure 21. Non-interest income and selected components as a proportion of revenue, 1990-2007. Data plotted as curves. Two panels. In the top panel, total non-interest income starts at about 33 percent in 1990, consistently rises to about 43 percent in 1999, holds at about that level through 2005, edges up to just under 44 percent in 2006, and falls to 42 percent in 2007. In the bottom panel, the revenue share of deposit fees is around 7 percent from 1990 through 1999, rises slightly to about 7.5 percent in 2003, holds around that level through 2005, edges back down to about 7 percent in 2006, and then ticks up again in 2007. Fiduciary income starts at around 5 percent in 1990 and holds at about that level through 1996; it then climbs in 1997 to about 6 percent, where it generally remains until 2000. It falls to about 5 percent between 2000 and 2002, and it then holds at about that level until ticking up again to about 6 percent in 2007. Trading income starts at about 3 percent in 1990, holds at about that level through 1992, climbs briefly to about 4.5 percent in 1993, falls back to about 3 percent in 1994, holds at about that level through mid-2004, rises between 2004 and 2006 to about 4 percent, and then falls in 2007 to about 1 percent. The revenue share of other non-interest income starts at about 18 percent in 1990, generally rises to about 27 percent in 1999, and remains at about that level through 2007.
Note: The data are annual. Revenue is calculated as the sum of non-interest income and net interest income.