Noninterest Income and Expenses

6 Months Ended

Jun. 30, 2012

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 June 30,						Six months ended June 30,
	2012			2011			2012			2011
Service charges on deposit accounts	$	3,644		$	3,700		$	7,171		$	7,130
ATM and interchange fees		2,026			1,776			3,845			3,421
Other service fees		570			437			1,173			843
Mortgage banking service fees		379			370			751			731
Change in value of mortgage servicing rights		(464	)		(162	)		(833	)		(222	)
Total service charges and fees		6,155			6,121			12,107			11,903
Gain on sale of loans		1,237			495			2,887			1,220
Commissions on sale of non-deposit investment products		842			648			1,661			1,008
Increase in cash value of life insurance		450			450			900			900
Change in indemnification asset		662			144			309			1,836
Gain (loss) on sale of foreclosed assets		304			185			(54	)		385
Sale of customer checks		93			67			166			126
Lease brokerage income		90			95			148			128
Loss on disposal of fixed assets		(153	)		(6	)		(388	)		(15	)
Commission rebates		(18	)		(16	)		(34	)		(33	)
Gain on life insurance death benefit		600			—			600			—
Other		315			68			540			143
Total other noninterest income		4,422			2,130			6,735			5,698
Total noninterest income	$	10,577		$	8,251		$	18,842		$	17,601

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

	Three months ended June 30,					Six months ended June 30,
	2012		2011			2012			2011
Base salaries, net of deferred loan origination costs	$	8,273	$	7,198		$	16,432		$	14,202
Incentive compensation		1,347		783			2,722			1,699
Benefits and other compensation costs		2,870		2,734			6,098			5,607
Total salaries and benefits expense		12,490		10,715			25,252			21,508
Occupancy		1,857		1,402			3,573			2,862
Equipment		1,126		880			2,243			1,801
Data processing and software		1,143		956			2,572			1,808
ATM network charges		532		507			1,099			989
Telecommunications		567		520			1,122			926
Postage		218		219			474			435
Courier service		256		221			445			429
Advertising		863		739			1,361			1,171
Assessments		590		518			1,196			1,385
Operational losses		143		118			259			227
Professional fees		691		573			1,114			860
Foreclosed assets expense		267		115			792			282
Provision for foreclosed asset losses		1,004		638			1,087			1,087
Change in reserve for unfunded commitments		40		(50	)		(150	)		—
Intangible amortization		52		20			105			105
Other		2,528		2,004			4,738			3,891
Total other noninterest expense		11,877		9,380			22,030			18,258
Total noninterest income	$	24,367	$	20,095		$	47,282		$	39,766