The following table summarizes the point of revenue recognition and the income recognized for each of the revenue streams for the three and six months ended June 30, 2019 and 2018, respectively:


	Point of Revenue	For the Three Months Ended June 30,				For the Six Months Ended June 30,
(unaudited, in thousands)	Recognition	2019		2018		2019		2018
Revenue Streams
Trust fees
Trust account fees	Over time	$	4,208	$	3,558	$	9,263	$	7,850
WesMark fees	Over time		2,131		2,194		4,191		4,405
Total trust fees			6,339		5,752		13,454		12,255
Service charges on deposits
Commercial banking fees	Over time		499		462		967		869
Personal service charges	At a point in time & over time		5,698		4,684		11,780		9,100
Total service charges on deposits			6,197		5,146		12,747		9,969
Net securities brokerage revenue
Annuity commissions	At a point in time		1,454		1,310		2,815		2,510
Equity and debt security trades	At a point in time		103		87		206		189
Managed money	Over time		174		163		331		304
Trail commissions	Over time		242		249		481		476
Total net securities brokerage revenue			1,973		1,809		3,833		3,479

Payment processing fees (1)	At a point in time & over time		785		—		1,433		—
Electronic banking fees	At a point in time		7,154		5,728		13,046		10,558
Mortgage banking income	At a point in time		1,618		1,670		2,674		2,776
Net gain on other real estate owned and other assets	At a point in time		376		229		512		491