Noninterest Income and Expense

12 Months Ended

Dec. 31, 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):

	Years Ended December 31,
	2016			2015			2014
Service charges on deposit accounts	$	14,365		$	14,276		$	11,811
ATM and interchange fees		15,859			13,364			9,651
Other service fees		3,121			2,977			2,206
Mortgage banking service fees		2,065			2,164			1,869
Change in value of mortgage servicing rights		(2,184	)		(701	)		(1,301	)
Total service charges and fees		33,226			32,080			24,236
Gain on sale of loans		4,037			3,064			2,032
Commissions on sale of non-deposit investment products		2,329			3,349			2,995
Increase in cash value of life insurance		2,717			2,786			1,953
Change in indemnification asset		(493	)		(207	)		(856	)
Gain on sale of foreclosed assets		262			991			2,153
Sale of customer checks		408			492			450
Lease brokerage income		711			712			504
Gain (loss) on disposal of fixed assets		(147	)		(129	)		49
Gain on life insurance death benefit		238			155			—
Other		1,275			2,054			1,000
Total other noninterest income		11,337			13,267			10,280
Total noninterest income	$	44,563		$	45,347		$	34,516

Mortgage loan servicing fees, net of change in fair value of mortgage loan servicing rights, totaling $(119,000), $1,463,000, and $568,000, were recorded in service charges and fees noninterest income for the years ended December 31, 2016, 2015, and 2014, respectively.

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

	Years Ended December 31,
	2016		2015		2014
Base salaries, net of deferred loan origination costs	$	53,169	$	46,822	$	39,342
Incentive compensation		8,872		6,964		5,068
Benefits and other compensation costs		18,683		17,619		13,134
Total salaries and benefits expense		80,724		71,405		57,544
Occupancy		10,139		10,126		8,203
Equipment		6,597		5,997		4,514
Data processing and software		8,846		7,670		6,512
Assessments		2,105		2,572		2,107
ATM & POS network charges		4,999		4,190		2,996
Advertising		3,829		3,992		2,413
Professional fees		5,409		4,545		3,888
Telecommunications		2,749		3,007		2,870
Postage		1,603		1,296		949
Courier service		998		1,154		1,055
Foreclosed assets expense		266		490		528
Intangible amortization		1,377		1,157		446
Operational losses		1,564		737		764
Provision for foreclosed asset losses		140		502		208
Change in reserve for unfunded commitments		244		330		(395	)
Legal settlement		1,450		—		—
Merger & acquisition expense		784		586		4,858
Miscellaneous other		12,174		11,085		10,919
Total other noninterest expense		65,273		59,436		52,835
Total noninterest expense	$	145,997	$	130,841	$	110,379
Merger and acquisition expense:
Base salaries, net of loan origination costs	$	187		—		—
Incentive compensation		—		—	$	1,174
Benefits and other compensation costs		—		—		94
Data processing and software		—	$	108		475
Professional fees		342		120		2,390
Other		255		358		725
Total merger expense	$	784	$	586	$	4,858