Non-interest Income and Expense

12 Months Ended

Dec. 31, 2020

Other Income and Expenses [Abstract]

Non-interest Income and Expense

Non-interest Income and Expense

The components of other non-interest income were as follows:

	Year Ended December 31,
(in thousands)	2020		2019		2018
Debit and ATM and interchange fees	$	21,660	$	20,639	$	18,249
Service charges on deposit accounts	13,944		16,657		15,467
Other service fees	3,156		3,015		2,852
Mortgage banking service fees	1,855		1,917		2,038
Change in value of mortgage loan servicing rights	(2,634)		(1,811)		(146)
Total service charges and fees	37,981		40,417		38,460
Commissions on sale of non-deposit investment products	2,989		2,877		3,151
Increase in cash value of life insurance	2,949		3,029		2,718
Gain on sale of loans	9,122		3,282		2,371
Lease brokerage income	668		878		678
Sale of customer checks	414		529		449
Gain on sale of investment securities	7		110		207
Gain (loss) on marketable equity securities	64		86		(64)
Other	1,000		2,312		1,091
Total other noninterest income	17,213		13,103		10,601
Total noninterest income	$	55,194	$	53,520	$	49,061

Mortgage banking servicing fee income (expense), net of change in value of mortgage loan servicing rights, totaling $(779,000), $106,000, and $1,892,000 were recorded within service charges and fees for the years ended December 31, 2020, 2019, and 2018, respectively.

The components of noninterest expense were as follows:

	Year Ended December 31,
(in thousands)	2020		2019		2018
Base salaries, net of deferred loan origination costs	$	70,164	$	70,218	$	62,422
Incentive compensation	10,022		13,106		11,147
Benefits and other compensation costs	31,935		22,741		20,373
Total salaries and benefits expense	112,121		106,065		93,942
Occupancy	14,528		14,893		12,139
Data processing and software	13,504		13,517		11,021
Equipment	5,704		7,022		6,651
ATM and POS network charges	5,433		5,447		5,271
Merger and acquisition expense	—		—		5,227
Advertising	2,827		5,633		4,578
Professional fees	3,222		3,754		3,546
Intangible amortization	5,724		5,723		3,499
Telecommunications	2,601		3,190		3,023
Regulatory assessments and insurance	1,594		1,188		1,906
Courier service	1,414		1,308		1,287
Operational losses	1,168		986		1,260
Postage	1,068		1,258		1,154
Gain on sale or acquisition of foreclosed assets	(235)		(246)		(408)
Loss on disposal of fixed assets	67		82		185
Other miscellaneous expense	12,018		15,637		14,191
Total other noninterest expense	70,637		79,392		74,530
Total noninterest expense	$	182,758	$	185,457	$	168,472