Noninterest Income and Expenses

9 Months Ended

Sep. 30, 2011

Noninterest Income and Expenses [Abstract]

Noninterest Income and Expenses

Note 21 – Noninterest Income and Expenses

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

	Three months ended September 30,						Nine months ended September 30,
	2011			2010			2011			2010
Service charges on deposit accounts	$	3,769		$	3,565		$	10,899		$	11,786
ATM and interchange fees		1,780			1,578			5,201			4,477
Other service fees		460			381			1,303			1,073
Mortgage banking service fees		375			322			1,106			945
Change in value of mortgage servicing rights		(800	)		(609	)		(1,022	)		(1,227	)
Total service charges and fees		5,584			5,237			17,487			17,054
Gain on sale of loans		598			1,090			1,818			2,252
Commissions on sale of non-deposit investment products		542			239			1,550			868
Increase in cash value of life insurance		450			426			1,350			1,278
Change in indemnification asset		(289	)		(20	)		1,547			(20	)
Gain on sale of foreclosed assets		82			55			467			405
Legal settlement		—			—			—			400
Sale of customer checks		72			53			198			155
Lease brokerage income		43			11			171			69
Gain (loss) on disposal of fixed assets		—			—			(15	)		(40	)
Commission rebates		(16	)		(16	)		(49	)		(49	)
Bargain purchase gain on acquisition		7,575			—			7,575			232
Other		82			88			225			210
Total other noninterest income		9,139			1,926			14,837			5,760
Total noninterest income	$	14,723		$	7,163		$	32,324		$	22,814

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

	Three months ended September 30,				Nine months ended September 30,
	2011		2010		2011		2010
Base salaries, net of deferred loan origination costs	$	7,480	$	7,131	$	21,682	$	21,095
Incentive compensation		1,848		294		3,547		1,366
Benefits and other compensation costs		2,602		2,473		8,209		7,572
Total salaries and benefits expense		11,930		9,898		33,438		30,033
Occupancy		1,521		1,524		4,383		4,260
Equipment		949		990		2,750		3,024
Data processing and software		940		942		2,748		2,278
ATM network charges		425		472		1,414		1,376
Telecommunications		382		487		1,308		1,361
Postage		163		262		598		820
Courier service		222		207		651		605
Advertising		607		490		1,778		1,638
Assessments		517		824		1,902		2,420
Operational losses		166		105		393		292
Professional fees		462		662		1,322		2,082
Foreclosed assets expense		215		97		497		360
Provision for foreclosed asset losses		306		1,130		1,393		1,185
Change in reserve for unfunded commitments		—		—		—		(800	)
Intangible amortization		20		85		125		222
Other		2,048		2,349		5,939		6,579
Total other noninterest expense		8,943		10,626		27,201		27,702
Total noninterest expense	$	20,873	$	20,524	$	60,639	$	57,735