BAS Presentations - March 2023

3/1/2023

Noninterest Income Can Be Volatile

13

Advice for Evaluating Noninterest Income

1. Determine the sources of noninterest income (UBPR Page 3 and/or general ledger)

2. Consider volatility and future prospects

3. Consider the relationship to overhead costs (Overhead Less Noninterest Income Ratio on UBPR Page 3)

14

7