Smaller Banks' Revenues Show Less Diversity

	Assets < $1 Billion 2001	% of Total
Income from fiduciary activities	2,042,181	14.2%
Service charges on deposit accounts	4,162,453	29.0%
Trading revenues	10,703	0.1%
On interest-rate contracts	8,617	0.1%
On foreign exchange contracts	2,112	0.0%
On equity contracts	-26	0.0%
On commodity & other contracts	0	0.0%
Investment banking & other fees	411,499	2.9%
Venture capital revenue	4,971	0.0%
Servicing fees	1,023,284	7.1%
Securitization income	432,829	3.0%
Insurance commissions & fees	271,052	1.9%
Net gains/losses on loan sales	764,670	5.3%
Net gains/losses on sales of OREO	16,821	0.1%
Other noninterest income	5,205,163	36.3%
Total noninterest income	14,345,769