Bank Analysis School April 2025

Internal Use Only

Noninterest Income Can Be Volatile

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Internal Use Only

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)

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