timber, capital market and insurance (net of reinsurance) income...

timber, capital market and insurance (net of reinsurance) income made up 42% of their total income. Even if we exclude insurance (because it is a more traditional bank product, although I disagree with doing that because it isn't real traditional income for a bank whereas net interest is), they still rely on 24% of their income from capital markets. I think thats high, personally.