When I lived in Memphis TN my neighbor was a good ole boy. He lived in a modest house in a small neighborhood, had an old rickety pick up, a boat and was fishing every weekend, sat on his back porch, enjoyed a beer or two and liked to sit around and shoot the bull.
If you saw him away from work or at home you would never know he was the Vice President of Barretville Bank and Trust. One of the few completely solvent banks in the country at the time. He started at the bank at 22 or so and worked his way up. We used to sit and talk about money and banking.
One day we were talking about people and their finances and screwing them up and how banks charge fees and how I didn't see how banks made very much from fees that interest on loans had to be where they made most of their money. He asked me "How much does your bank charge you for an over draft?" I said $20 and he said they only charged $10. He went on to say that at $10 per bounced check his branch of the bank (He was a branch president at the time) made enough to pay the salary of EVERY employee in that branch (something like 14 people) plus the utilities for the building and still have some left over. Loan interest was only a tiny portion of a banks revenue, fees were much more.
Every month enough people bounced checks in that branch alone to pay for the overhead costs for that bank branch. Quite sobering.
but the banks have money and the messiah said it would be shared