Chart 3

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