Note 10 - Non-interest Income and Non-interest Expense

12 Months Ended

Dec. 31, 2020

Notes to Financial Statements

Other Income and Other Expense Disclosure [Text Block]

(10) Non-Interest Income and Non-Interest Expense

The significant components of non-interest income and non-interest expense for the years ended December 31, 2020, 2019 and 2018 are presented below:

	In Thousands
	2020			2019			2018
Non-interest income:
Service charges on deposits	$	5,659			6,952			6,799
Brokerage income		4,837			4,411			4,255
Debit and credit card interchange income		9,187			8,301			7,325
Other fees and commissions		1,540			1,521			2,124
BOLI and annuity earnings		823			810			841
Security gain (loss), net		882			(268	)		(650	)
Fees and gains on sales of mortgage loans		9,560			6,802			4,639
Gain (loss) on sale of other real estate, net		658			(48	)		(80	)
Loss on sale of fixed assets, net		(63	)		(128	)		(2	)
Loss on sale of other assets, net		(4	)		(4	)		(3	)
Other income		61			—			—
	$	33,140			28,349			25,248

	In Thousands
	2020		2019		2018
Non-interest expense:
Employee salaries and benefits	$	45,661		42,541		39,590
Equity-based compensation		1,180		786		1,237
Occupancy expenses		5,216		4,789		4,403
Furniture and equipment expenses		3,267		3,110		2,767
Data processing expenses		5,101		4,495		2,900
Advertising expenses		2,487		2,498		2,552
ATM & interchange fees		3,880		3,439		3,091
Accounting, legal & consulting expenses		909		1,382		977
FDIC insurance		598		373		843
Directors’ fees		634		586		543
Other operating expenses		11,986		10,629		10,177
	$	80,919		74,628		69,080