Noninterest Income and Expense

9 Months Ended

Sep. 30, 2016

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 September 30,						Nine months ended September 30,
	2016			2015			2016			2015
Service charges on deposit accounts	$	3,641		$	3,642		$	10,549		$	10,879
ATM and interchange fees		3,851			3,344			11,136			9,729
Other service fees		792			772			2,369			2,265
Mortgage banking service fees		537			521			1,570			1,583
Change in value of mortgage servicing rights		(799	)		(585	)		(2,198	)		(570	)
Total service charges and fees		8,022			7,694			23,426			23,886
Gain on sale of loans		953			722			2,645			2,181
Commissions on sale of non-deposit investment products		747			812			1,890			2,561
Increase in cash value of life insurance		709			770			2,086			2,121
Change in indemnification asset		(10	)		(26	)		(274	)		(148	)
Gain (loss) on sale of foreclosed assets		69			356			218			782
Sale of customer checks		110			129			299			378
Lease brokerage income		172			161			602			543
Gain (loss) on disposal of fixed assets		(13	)		(42	)		(52	)		(125	)
Life Insurance death benefit in excess of cash value		—			—			238			—
Other		307			1,066			1,023			1,723
Total other noninterest income		3,044			3,948			8,675			10,016
Total noninterest income	$	11,066		$	11,642		$	32,101		$	33,902
Mortgage loan servicing fees, net of change in fair value of mortgage loan servicing rights	$	(262	)	$	(64	)	$	(628	)	$	1,013
Mortgage banking revenue	$	691		$	658		$	2,017		$	3,194

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

	Three months ended September 30,					Nine months ended September 30,
	2016		2015			2016		2015
Base salaries, net of deferred loan origination costs	$	13,419	$	11,562		$	39,095	$	34,808
Incentive compensation		2,798		1,674			7,008		4,660
Benefits and other compensation costs		4,643		4,297			14,067		13,407
Total salaries and benefits expense		20,860		17,533			60,170		52,875
Occupancy		2,667		2,599			7,504		7,557
Equipment		1,607		1,417			4,837		4,358
Data processing and software		2,068		1,869			6,266		5,655
ATM network charges		1,133		757			3,141		2,512
Telecommunications		702		658			2,085		2,329
Postage		381		314			1,186		956
Courier service		280		303			816		804
Advertising		1,049		926			3,021		2,736
Assessments		654		642			1,864		1,987
Operational losses		497		201			1,006		474
Professional fees		1,018		999			3,183		3,153
Foreclosed assets expense		37		105			197		305
Provision for foreclosed asset losses		9		106			40		347
Change in reserve for unfunded commitments		25		(40	)		433		(60	)
Intangible amortization		359		289			1,017		867
Merger expense		—		—			784		586
Litigation contingent liability		—		—			1,450		—
Other		4,070		2,761			10,434		8,716
Total other noninterest expense		16,556		13,906			49,264		43,282
Total noninterest expense	$	37,416	$	31,439		$	109,434	$	96,157
Merger expense:
Base salaries (outside temporary help)		—		—		$	187		—
Equipment		—		—			35		—
Data processing and software		—		—			—	$	108
Professional fees		—		—			342		120
Advertising and marketing		—		—			114		—
Other		—		—			106		358
Total merger expense		—		—		$	784	$	586