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-- -- -- -- -- -- in this current banking environments.
-- -- a success story we've heard a lot of good success stories this week especially though.
When this particular bank has 55% -- a -- revenues coming from fees.
In the case of UB financial they weren't able to sustain a nine point 1% increase in bank -- -- they do it and can they keep this chairman and CEO.
-- -- -- -- Now in the last installment of our checks and balances series and thank you very much reference at you have to ask you though about -- -- -- How are you sustaining.
These higher bank fees ending in -- increasing revenue for shareholders with the SP is how look at the fees you loving against your customers right now.
Could you Sheryl will really we're we're more than a bank for more than a regional bank -- a financial services holding company.
And within that 55%.
Of non interest income.
We have an institutional money management business called scout investments.
And that is manages over twenty billion that we also have a business called.
UB -- services which does back office Italian ministry should for mutual funds and hedge funds.
That business administers over 200 billion.
You know -- doesn't -- management fees and I want to be clear for our viewers this is an asset management fees that we're talking about not.
Right ATM fees not checking account fees this is asset management -- -- for a bulk of the business is coming from pre and businesses guy.
Right and we and we we have we have increase fees on the on the credit card side as well but that's not because of our fee structures because of growth and accounts.
And purchase volume to purchase volume for us in the fourth quarter was up 19%.
Or one at one point three billion for the quarter so it's really about our business mix not so much better fee structure.
OK well let me ask that you do have a credit card side of the business you mentioned that so are you concerned about the consumer protection -- are -- concerned about.
All of these proposals other coming out of Richard perjury in the group -- and how might affect the revenue side for you mean you might have an increase in the -- That's.
What we we certainly RD RD have through Durbin which was one of the amendments out of Dodd-Frank the whole industry has seen debit card interchange come down.
The good news for us as a company as it almost 40% of our debit card revenue comes from our health -- business we have eight to say and FSA business.
And that is exempt from the Durbin amendment at this point.
And so we've had robust growth and our health care services division.
And it represents 40% of or debit card interchange.
I mean certainly -- I'm concerned like everyone else's in the industry about where this thing goes where -- -- if PB goes I'm hopeful that.
Judicious and and Smart about what they do -- that they ultimately don't pass on too much burden to the consumer.
I do wanna ask you about lung growth mariner because you had a -- very substantial gain about 8% of loan growth for 2000.
Eleven on an annual basis how do you keep loan growth going -- of what's head of the business you think that you're gonna see the most.
Activity commercial residential -- Well we had a very nice long growth across all of our business lines.
Consumer commercial institutional type opportunities.
In 2011 and that's really because of sales activity we didn't take our.
We didn't have the loan problems that many other banks did mortgage problems as we didn't get into the sub prime mortgage industry.
So we were able to focus on sales efforts which built our pipeline.
And that pipeline looks very strong in 2012.
Do you think thing about -- demand is that it's really coming from market -- you don't see the real economic activity matter fact on the commercial side.
Our utilization rates are all time lows -- 26%.
I think companies and use -- cash before they use.
-- you just teeing up the story ever going to be doing it at the amended Mary thank you very much that -- that the stock has been performing.
You know about 6%.
You're bring your thank you very much merit -- nicely -- -- our series MB financial corporation chairman and CE.
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