Year ended December 31,

2021

2020

2019

Service charges on deposit accounts

$

1,090

$

1,102

$

1,486

Gain on sale of loans (1)

13,468

24,139

9,071

Net securities gains (losses) (1)

(16

)

289

4

Change in fair value of mortgage servicing rights (1)

295

(293

)

(258

)

Increase in cash surrender value of life insurance (1)

402

368

390

Credit and debit card interchange fees

1,806

1,514

1,443

Litigation settlement (1)

-

1,980

Wealth management

420

319

293

Net loan servicing fees (1)

512

262

327

Other non-interest income (expense)

(631

)

(700

)

312

Total non-interest income

$

17,346

$

27,000

$

15,048