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  _____    _    _     ____      _____             
 |__  //  | || | ||  |  _ \\   |  ___||   ____    
   / //   | || | ||  | |_| ||  | ||__    |    \\  
  / //__  | \\_/ ||  | .  //   | ||__    | [] ||  
 /_____||  \____//   |_|\_\\   |_____||  |  __//  
 `-----`    `---`    `-` --`   `-----`   |_|`-`   
                                         `-`

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Text this: Local banks' dependence on services in the generation of fee-based income.