Institutional fee-revenue reconstructionRevenue & Fees

Task prompt

I'm closing out the fee-revenue line for our annual invoicing report and I want the real picture, not the gross. Pull together the institutional fee revenue we actually collected from the customer-service fees we charge — out-of-network ATM (domestic and international), wire, foreign-transaction, the Finoco+ premium subscription fee, debit-card replacement, and check-issuance — across all of our history. A few things to keep in mind: a lot of these fees get canceled or only partially charged when the customer's balance can't cover the full amount, so I only want what genuinely landed; net out any reversals, returns, and credits; and don't let interest, charge-offs, promo/referral payouts, taxes, or the ACH funding fee creep into the number. How these fees actually get assessed and collected is written up in our product/policy space if you need it. Then break it down by year and tell me: which year was our peak for collected net fee revenue and what that figure was, which single fee category drove the most net revenue in that peak year and how much it brought in, and the year we first started charging the out-of-network ATM fee. For top_fee_category, return the internal warehouse ledger code for that fee category (for example, wire_fee or check_issue_fee). Reply with one JSON object using exactly these keys: peak_year, peak_year_net_fee_revenue_usd, top_fee_category, top_category_net_usd, oon_atm_fee_launch_year.