Noninterest Income and Expenses

12 Months Ended

Dec. 31, 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):

	Years Ended December 31,
	2011			2010			2009
Service charges on deposit accounts	$	14,776		$	15,296		$	16,080
ATM and interchange fees		7,058			6,078			4,925
Other service fees		1,722			1,452			1,229
Mortgage banking service fees		1,495			1,303			1,139
Change in value of mortgage servicing rights		(1,107	)		(1,029	)		(551	)
Total service charges and fees		23,944			23,100			22,822
Gain on sale of loans		3,037			3,647			3,466
Commissions on sale of non-deposit investment products		2,105			1,209			1,632
Increase in cash value of life insurance		1,885			1,847			1,879
Change in indemnification asset		2,059			1,274			—
Gain on sale of foreclosed assets		680			562			168
Legal settlement		—			400			—
Bargain purchase gain		7,575			232			—
Sale of customer checks		271			213			190
Lease brokerage income		248			116			156
Gain (loss) on disposal of fixed assets		(15	)		(58	)		(138	)
Commission rebates		(58	)		(67	)		(60	)
Gain on life insurance death benefit		789			—			—
Other		293			220			214
Total other noninterest income		18,869			9,595			7,507
Total noninterest income	$	42,813		$	32,695		$	30,329

Mortgage loan servicing fees, net of change in fair value of mortgage loan servicing rights, totaling $388,000, $274,000, and $588,000, were recorded in service charges and fees noninterest income for the years ended December 31, 2011, 2010, and 2009, respectively.

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

	Years Ended December 31,
	2011		2010			2009
Base salaries, net of deferred loan origination costs	$	29,753	$	28,255		$	27,110
Incentive compensation		3,735		1,844			2,792
Benefits and other compensation costs		10,715		10,006			9,908
Total salaries and benefits expense		44,203		40,105			39,810
Occupancy		6,198		5,717			5,096
Equipment		3,770		3,975			3,709
Data processing and software		3,980		3,163			2,807
Assessments		2,491		3,253			3,750
ATM network charges		1,939		1,851			2,433
Advertising		2,649		2,340			2,175
Professional fees		2,004		2,478			1,783
Telecommunications		1,875		1,817			1,689
Postage		935		1,037			991
Courier service		953		826			796
Foreclosed assets expense		755		625			491
Intangible amortization		177		307			328
Operational losses		600		394			314
Provision for foreclosed asset losses		1,984		1,522			220
Change in reserve for unfunded commitments		100		(1,000	)		1,075
Other		8,102		9,281			7,983
Total other noninterest expense		38,512		37,100			35,640
Total noninterest expense	$	82,715	$	77,205		$	75,450