Originally Posted by
Rohanaj
Like Rainman, I've been running zero banks since I hit about 700 acres in size (currently 1200). I'm Faery, so I get Tree of Gold to accent my income, but I run 25% homes to help income and also to keep my building efficiency decent.
I believe employed peasants give you 2.75 gold per peasant, then that's multiplied by the percent of Alchemy science of course (assuming no banks or prisoners, which also give you more) and that should be the factors for your income.
As far as an undead warrior goes, with no banks during war I have a tough time believing he'd be able to keep up with building and troop training without any banks on his own, but it's very feasible that if he's a focused attacker he's getting fed gold by his Kingdom mates, especially since fireballing his peasants would drastically hurt his own income.
Edit: I see Pestermenot posted the nice Wiki page links also.