Revenue Recognition (Tables)

12 Months Ended

Dec. 31, 2019

The following table summarizes the point of revenue recognition and the income recognized for each of the revenue streams for the year ended December 31, 2019:

		For the Years Ended December 31,
(in thousands)	Point of Revenue Recognition	2019		2018
Revenue Streams
Trust fees
Trust account fees	Over time	$	18,059	$	15,833
WesMark fees	Over time		8,520		8,790
Total trust fees			26,579		24,623
Service charges on deposits
Commercial banking fees	Over time		2,033		1,733
Personal service charges	At a point in time & over time		24,941		21,937
Total service charges on deposits			26,974		23,670
Net securities brokerage revenue
Annuity commissions	At a point in time		4,829		5,178
Equity and debt security trades	At a point in time		434		429
Managed money	Over time		738		647
Trail commissions	Over time		989		932
Total net securities brokerage revenue			6,990		7,186

Payment processing fees (1)	At a point in time & over time		3,002		1,028
Electronic banking fees	At a point in time		22,634		23,300
Mortgage banking income	At a point in time		8,219		5,840
Net gain or loss on sale of other real estate owned	At a point in time		732		524

(1)	Payment processing fees are included in other non-interest income.