Noninterest Income and Expenses

3 Months Ended

Mar. 31, 2013

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 March 31,
	2013			2012
Service charges on deposit accounts	$	3,140		$	3,527
ATM and interchange fees		1,875			1,819
Other service fees		559			603
Mortgage banking service fees		416			372
Change in value of mortgage servicing rights		(61	)		(369	)
Total service charges and fees		5,929			5,952
Gain on sale of loans		2,294			1,650
Commissions on sale of non-deposit investment products		761			819
Increase in cash value of life insurance		426			450
Change in indemnification asset		(101	)		(353	)
Gain (loss) on sale of foreclosed assets		551			(358	)
Sale of customer checks		91			73
Lease brokerage income		117			58
Loss on disposal of fixed assets		(16	)		(235	)
Commission rebates		—			(16	)
Other		166			225
Total other noninterest income		4,289			2,313
Total noninterest income	$	10,218		$	8,265

Mortgage loan servicing fees, net of change in fair value of mortgage loan servicing rights, totaling $355,000 and $3,000 were recorded in service charges and fees noninterest income for the three months ended March 31, 2013 and 2012, respectively.

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

	Three months ended March 31,
	2013			2012
Base salaries, net of deferred loan origination costs	$	8,348		$	8,159
Incentive compensation		1,286			1,375
Benefits and other compensation costs		3,327			3,228
Total salaries and benefits expense		12,961			12,762
Occupancy		1,659			1,716
Equipment		1,034			1,117
Data processing and software		1,078			1,294
ATM network charges		496			567
Telecommunications		525			555
Postage		231			256
Courier service		167			189
Advertising		325			498
Assessments		606			606
Operational losses		117			116
Professional fees		486			423
Foreclosed assets expense		99			525
Provision for foreclosed asset losses		27			83
Change in reserve for unfunded commitments		(440	)		(190	)
Intangible amortization		52			53
Other		2,178			2,345
Total other noninterest expense		8,640			10,153
Total noninterest income	$	21,601		$	22,915