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Non-interest Income and Expense
 3 Months Ended
Mar. 31, 2020
Other Income and Expenses [Abstract]  
Non-interest Income and Expense Non-interest Income and Expense
The following table summarizes the Company’s non-interest income for the periods indicated:
Three months ended
March 31,
(dollars in thousands)20202019
ATM and interchange fees$5,111  $4,581  
Service charges on deposit accounts4,046  3,880  
Other service fees758  771  
Mortgage banking service fees469  483  
Change in value of mortgage servicing rights(1,258) (645) 
Total service charges and fees9,126  9,070  
Increase in cash value of life insurance720  775  
Asset management and commission income916  642  
Gain on sale of loans891  412  
Lease brokerage income193  220  
Sale of customer checks124  140  
Gain on sale of investment securities—  —  
Gain on marketable equity securities47  36  
Other(197) 508  
Total other non-interest income2,694  2,733  
Total non-interest income$11,820  $11,803  
The components of non-interest expense were as follows (in thousands):
Three months ended
March 31,
20202019
Base salaries, net of deferred loan origination costs$17,623  $16,757  
Incentive compensation3,101  2,567  
Benefits and other compensation costs6,548  5,804  
Total salaries and benefits expense27,272  25,128  
Occupancy3,875  3,774  
Data processing and software3,367  3,349  
Equipment1,512  1,867  
Intangible amortization1,431  1,431  
Advertising665  1,331  
ATM and POS network charges1,373  1,323  
Professional fees703  839  
Telecommunications725  797  
Regulatory assessments and insurance95  511  
Postage290  310  
Operational losses221  225  
Courier service331  270  
Gain on sale of foreclosed assets(41) (99) 
Loss on disposal of fixed assets—  24  
Other miscellaneous expense3,000  4,372  
Total other non-interest expense17,547  20,324  
Total non-interest expense$44,819  $45,452