NONINTEREST INCOME AND NONINTEREST EXPENSE

12 Months Ended

Dec. 31, 2021

Other Income and Expenses [Abstract]

NONINTEREST INCOME AND NONINTEREST EXPENSE

NOTE 14 - NONINTEREST INCOME AND NONINTEREST EXPENSE

Other operating income consisted of the following for the years ended December 31:

	2021		2020		2019
Service charges	$	3,772	$	3,064	$	3,715
Net realized loss on securities transactions		—		—		(22	)
Net realized gain on sale of loans		5,528		6,834		2,850
Fiduciary and custodial income		2,333		2,012		1,760
Bank-owned life insurance income		840		838		774
Merchant and debit card fees		6,717		5,515		4,264
Loan processing fee income		669		628		590
Warehouse lending fees		812		957		679
Mortgage fee income		612		771		323
Other noninterest income		3,293		2,418		2,029
Total	$	24,576	$	23,037	$	16,962

Other operating expense consisted of the following for the years ended December 31:

	2021		2020		2019
Employee compensation and benefits	$	42,345	$	37,193	$	35,907
Occupancy expenses		10,944		10,220		9,834
Legal and professional fees		2,599		2,650		2,610
Software and technology		4,594		4,104		3,341
Amortization		1,154		1,349		1,378
Director and committee fees		823		846		873
Advertising and promotions		1,758		1,498		1,655
ATM and debit card expense		2,445		1,951		1,347
Telecommunication expense		807		864		676
FDIC insurance assessment fees		851		821		173
Other noninterest expense		4,958		5,026		4,731
Total	$	73,278	$	66,522	$	62,525