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Non-interest Income and Expense
 12 Months Ended
Dec. 31, 2021
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)
202120202019
ATM and interchange fees$25,356 $21,660 $20,639 
Service charges on deposit accounts14,013 13,944 16,657 
Other service fees3,570 3,156 3,015 
Mortgage banking service fees1,881 1,855 1,917 
Change in value of mortgage loan servicing rights(872)(2,634)(1,811)
Total service charges and fees43,948 37,981 40,417 
Asset management and commission income3,668 2,989 2,877 
Increase in cash value of life insurance2,775 2,949 3,029 
Gain on sale of loans9,580 9,122 3,282 
Lease brokerage income746 668 878 
Sale of customer checks459 414 529 
Gain on sale of investment securities— 7 110 
Gain (loss) on marketable equity securities(86)64 86 
Other2,574 1,000 2,312 
Total other noninterest income19,716 17,213 13,103 
Total noninterest income$63,664 $55,194 $53,520 
Mortgage banking servicing fee income (expense), net of change in value of mortgage loan servicing rights, totaling $1,009,000, $779,000, and $106,000 were recorded within service charges and fees for the years ended December 31, 2021, 2020, and 2019, respectively.
The components of noninterest expense were as follows:
Year Ended December 31,
(in thousands)
202120202019
Base salaries, net of deferred loan origination costs$69,844 $70,164 $70,218 
Incentive compensation14,957 10,022 13,106 
Benefits and other compensation costs21,550 31,935 22,741 
Total salaries and benefits expense106,351 112,121 106,065 
Occupancy14,910 14,528 14,893 
Data processing and software13,985 13,504 13,517 
Equipment5,358 5,704 7,022 
ATM and POS network charges6,040 5,433 5,447 
Merger and acquisition expense1,523 — — 
Advertising2,899 2,827 5,633 
Professional fees3,657 3,222 3,754 
Intangible amortization5,464 5,724 5,723 
Telecommunications2,253 2,601 3,190 
Regulatory assessments and insurance2,581 1,594 1,188 
Courier service1,214 1,414 1,308 
Operational losses964 1,168 986 
Postage710 1,068 1,258 
Gain on sale or acquisition of foreclosed assets(233)(235)(246)
(Gain) loss on disposal of fixed assets(439)67 82 
Other miscellaneous expense11,038 12,018 15,637 
Total other noninterest expense71,924 70,637 79,392 
Total noninterest expense
$178,275 $182,758 $185,457