Commercial banks saw a sharp drop in mortgage-banking income during the fourth quarter of 2016 that pulled full-year profits below the level reached in 2015, according to a new Inside Mortgage Trends analysis of earnings reports. A group of 25 top publicly traded banks (including one thrift) reported a combined $13.36 billion in mortgage-banking income for all of 2016, down 7.0 percent from 2015. The sector had a chance of topping last year’s ... [Includes one data chart]