Trends in the Noninterest Income of Banks

Joseph Haubrich and Tristan Young

Economic Commentary, 2019, issue September

Abstract: A large fraction of banks? revenue comes from noninterest income, which includes items such as overdraft fees and ATM charges. We investigate whether this source of income has increased since the financial crisis, given that banks? interest income may have been impacted by the low interest rate environment. We find that total noninterest income has actually decreased. However, service charges, one of the subcomponents of noninterest income, have increased. The increase in service charges is masked in the data on total noninterest income because other types of noninterest income, specifically securitization fees and other types of noninterest income affected by the crisis, fell during the same period.

Date: 2019
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DOI: 10.26509/frbc-ec-201914

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