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Revenue Recognition
 9 Months Ended
Sep. 30, 2023
Revenue from Contract with Customer [Abstract]  
Revenue Recognition Revenue Recognition
The following tables present non-interest income, segregated by revenue streams in-scope and out-of-scope of FASB ASU No. 2014-09, "Revenue from Contracts with Customers (Topic 606)", for the three and nine months ended September 30, 2023 and 2022. Wealth management fees are included in the wealth management services segment while insurance revenues are included in the insurance segment. All other revenue streams are primarily included in the banking segment.
Three Months Ended
September 30,
Non-interest Income20232022
In-Scope of Topic 606:
Wealth Management Fees$2,957 $2,376 
Service Charges on Deposit Accounts2,982 3,014 
Insurance Revenues2,065 1,995 
Interchange Fee Income4,470 4,054 
Other Operating Income796 857 
Non-interest Income (in-scope of Topic 606)13,270 12,296 
Non-interest Income (out-of-scope of Topic 606)1,534 1,801 
Total Non-interest Income$14,804 $14,097 
Nine Months Ended
September 30,
Non-interest Income20232022
In-Scope of Topic 606:
Wealth Management Fees$8,513 $7,656 
Service Charges on Deposit Accounts8,653 8,568 
Insurance Revenues7,330 7,970 
Interchange Fee Income13,081 11,848 
Other Operating Income2,373 2,435 
Non-interest Income (in-scope of Topic 606)39,950 38,477 
Non-interest Income (out-of-scope of Topic 606)4,717 6,988 
Total Non-interest Income$44,667 $45,465 

A description of the Company’s revenue streams accounted for under Topic 606 follows:

Service Charges on Deposit Accounts: The Company earns fees from its deposit customers for transaction-based, account maintenance, and overdraft services. Transaction-based fees, which include services such as stop payment charges and statement rendering, are recognized at the time the transaction is executed (the point in time the Company fills the customer's request). Account maintenance fees, which relate primarily to monthly maintenance, are earned over the course of a month, representing the period over which the Company satisfies the performance obligation. Overdraft fees are recognized at the point in time that the overdraft occurs.

Interchange Fee Income: The Company earns interchange fees from debit/credit cardholder transactions conducted through various payment networks. Interchange fees from cardholder transactions represent a percentage of the underlying transaction value and are recognized daily, concurrently with the transaction processing services provided to the cardholder.

Wealth Management Fees: The Company earns wealth management fees from its contracts with trust and brokerage customers to manage assets for investment and/or to transact their accounts. These fees are primarily earned over time as the Company provides the contracted monthly or quarterly services and are generally assessed based on the market value of assets under management at month-end. Fees that are transaction based, including trade execution services, are recognized at the point in time that the transaction is executed (trade date).

Insurance Revenues: The Company earns insurance revenue from commissions derived from the sale of personal and corporate property and casualty insurance products. These commissions are primarily earned over time as the Company provides the contracted insurance product to customers.