Noninterest Income and Expense

6 Months Ended

Jun. 30, 2014

Other Income And Expenses [Abstract]

Noninterest Income and Expense

Note 21 – Noninterest Income and Expense

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

	Three months ended June 30,						Six months ended June 30,
	2014			2013			2014			2013
Service charges on deposit accounts	$	2,724		$	3,277		$	5,414		$	6,417
ATM and interchange fees		2,192			2,233			4,205			4,108
Other service fees		533			562			1,053			1,121
Mortgage banking service fees		421			430			841			846
Change in value of mortgage servicing rights		(351	)		191			(532	)		130
Total service charges and fees		5,519			6,693			10,981			12,622
Gain on sale of loans		514			1,590			978			3,884
Commissions on sale of non-deposit investment products		843			841			1,614			1,602
Increase in cash value of life insurance		400			380			797			806
Change in indemnification asset		(93	)		(314	)		(505	)		(415	)
Gain (loss) on sale of foreclosed assets		241			615			1,468			1,166
Sale of customer checks		98			92			199			183
Lease brokerage income		111			81			218			198
Gain (loss) on disposal of fixed assets		71			2			70			(14	)
Other		173			151			352			317
Total other noninterest income		2,358			3,438			5,191			7,727
Total noninterest income	$	7,877		$	10,131		$	16,172		$	20,349
Mortgage loan servicing fees, net of change in fair value of mortgage loan servicing rights	$	70		$	621		$	309		$	976

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

	Three months ended June 30,					Six months ended June 30,
	2014			2013		2014			2013
Base salaries, net of deferred loan origination costs	$	9,008		$	8,508	$	17,874		$	16,856
Incentive compensation		1,205			1,299		2,328			2,585
Benefits and other compensation costs		3,104			3,083		6,418			6,410
Total salaries and benefits expense		13,317			12,890		26,620			25,851
Occupancy		1,802			1,753		3,764			3,412
Equipment		1,060			913		2,096			1,947
Data processing and software		1,350			1,280		2,528			2,358
ATM network charges		710			679		1,353			1,175
Telecommunications		713			587		1,293			1,112
Postage		221			133		448			364
Courier service		224			255		458			422
Advertising		341			415		683			740
Assessments		481			543		1,002			1,149
Operational losses		150			122		327			239
Professional fees		1,518			695		2,357			1,206
Foreclosed assets expense		151			163		309			262
Provision for foreclosed asset losses		4			546		40			573
Change in reserve for unfunded commitments		(185	)		35		(370	)		(405	)
Intangible amortization		52			53		104			105
Other		3,207			2,448		5,421			4,600
Total other noninterest expense		11,799			10,619		21,813			19,259
Total noninterest income	$	25,116		$	23,509	$	48,433		$	45,110