Note 17 – Noninterest Income and Expense

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


	Year Ended December 31,
	2018			2017			2016
ATM and interchange fees	$	18,249		$	16,727		$	15,859
Service charges on deposit accounts		15,467			16,056			14,365
Other service fees		2,852			3,282			3,121
Mortgage banking service fees		2,038			2,076			2,065
Change in value of mortgage loan servicing rights		(146	)		(718	)		(2,184	)

Total service charges and fees		38,460			37,423			33,226

Commissions on sale of non-deposit investment products		3,151			2,729			2,329
Increase in cash value of life insurance		2,718			2,685			2,717
Gain on sale of loans		2,371			3,109			4,037
Lease brokerage income		678			782			711
Sale of customer checks		449			372			408
Gain on sale of foreclosed assets		408			711			262
Gain on sale of investment securities		207			961			—
Loss on disposal of fixed assets		(185	)		(142	)		(147	)
Loss on marketable equity securities		(64	)		—			—
Other		1,091			1,391			1,020

Total other noninterest income		10,824			12,598			11,337

Total noninterest income	$	49,284		$	50,021		$	44,563

Mortgage banking servicing fees, net of change in value of mortgage loan servicing rights, totaling $1,892,000, $1,358,000, and ($119,000) were recorded within service charges and fees for the years ended December 31, 2018, 2017, and 2016, respectively.

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


	Year Ended December 31,
	2018		2017		2016
Base salaries, net of deferred loan origination costs	$	62,422	$	54,589	$	53,169
Incentive compensation		11,147		9,227		8,872
Benefits and other compensation costs		20,373		19,114		18,683

Total salaries and benefits expense		93,942		82,930		80,724

Occupancy		12,139		10,894		10,139
Data processing and software		11,021		10,448		8,846
Equipment		6,651		7,141		6,597
ATM and POS network charges		5,271		4,752		4,999
Merger and acquisition expense		5,227		530		784
Advertising		4,578		4,101		3,829
Professional fees		3,546		3,745		5,409
Intangible amortization		3,499		1,389		1,377
Telecommunications		3,023		2,713		2,749
Regulatory assessments and insurance		1,906		1,676		2,105
Courier service		1,287		1,035		998
Operational losses		1,260		1,394		1,564
Postage		1,154		1,296		1,603
Legal settlement		—		—		1,450
Foreclosed assets expense		382		231		266
Provision for foreclosed asset losses		89		162		140
Other miscellaneous expense		13,720		12,587		12,418

Total other noninterest expense		74,753		64,094		65,273

Total noninterest expense	$	168,695	$	147,024	$	145,997