Noninterest Income and Expense (Tables)

12 Months Ended

Dec. 31, 2019

The components of other non-interest income were as follows (in thousands):


	Year Ended December 31,
	2019		2018		2017
ATM and interchange fees	$	20,639	$	18,249	$	16,727
Service charges on deposit accounts	16,657		15,467		16,056
Other service fees	3,015		2,852		3,282
Mortgage banking service fees	1,917		2,038		2,076
Change in value of mortgage loan servicing rights	(1,811)		(146)		(718)
Total service charges and fees	40,417		38,460		37,423
Commissions on sale of non-deposit investment products	2,877		3,151		2,729
Increase in cash value of life insurance	3,029		2,718		2,685
Gain on sale of loans	3,282		2,371		3,109
Lease brokerage income	878		678		782
Sale of customer checks	529		449		372
Gain on sale of investment securities	110		207		961
Gain (loss) on marketable equity securities	86		(64)		—
Other	2,312		1,091		1,391
Total other noninterest income	13,103		10,601		12,029
Total noninterest income	$	53,520	$	49,061	$	49,452

The components of noninterest expense were as follows (in thousands):


	Year Ended December 31,
	2019		2018		2017
Base salaries, net of deferred loan origination costs	$	70,218	$	62,422	$	54,589
Incentive compensation	13,106		11,147		9,227
Benefits and other compensation costs	22,741		20,373		19,114
Total salaries and benefits expense	106,065		93,942		82,930
Occupancy	14,893		12,139		10,894
Data processing and software	13,517		11,021		10,448
Equipment	7,022		6,651		7,141
ATM and POS network charges	5,447		5,271		4,752
Merger and acquisition expense	—		5,227		530
Advertising	5,633		4,578		4,101
Professional fees	3,754		3,546		3,745
Intangible amortization	5,723		3,499		1,389
Telecommunications	3,190		3,023		2,713
Regulatory assessments and insurance	1,188		1,906		1,676
Courier service	1,308		1,287		1,035
Operational losses	986		1,260		1,394
Postage	1,258		1,154		1,296
Gain on sale of real estate owned	(246)		(408)		(711)
Loss on disposal of fixed assets	82		185		142
Other miscellaneous expense	15,637		14,191		12,980
Total other noninterest expense	79,392		74,530		63,525
Total noninterest expense	$	185,457	$	168,472	$	146,455