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Noninterest Income and Expense (Tables)
12 Months Ended
Dec. 31, 2018
Other Income and Expenses [Abstract]  
Components of Other Noninterest Income

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  
  

 

 

    

 

 

    

 

 

 
Components of Noninterest Expense

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