|
NOTE 15. OTHER OPERATING INCOME AND EXPENSES
The major components of other operating income and expense included in noninterest income and noninterest expense are as follows:
| |
|
Years Ended December 31, |
|
| |
|
2020 |
|
|
2019 |
|
|
2018 |
|
| |
|
(In Thousands) |
|
| Other Operating Income |
|
|
|
|
|
|
|
|
|
|
|
|
| ATM fee income |
|
$ |
1,747 |
|
|
$ |
1,477 |
|
|
$ |
876 |
|
| Write-down in interest rate cap |
|
|
(656 |
) |
|
|
- |
|
|
|
- |
|
| Gain (loss) on sale of fixed assets |
|
|
9 |
|
|
|
5 |
|
|
|
- |
|
| Other |
|
|
515 |
|
|
|
261 |
|
|
|
363 |
|
| Total other operating income |
|
$ |
1,615 |
|
|
$ |
1,743 |
|
|
$ |
1,239 |
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
| Other Operating Expenses |
|
|
|
|
|
|
|
|
|
|
|
|
| Other loan expenses |
|
|
4,886 |
|
|
|
3,476 |
|
|
|
2,711 |
|
| Customer and public relations |
|
|
1,052 |
|
|
|
2,545 |
|
|
|
2,182 |
|
| Sales and use tax |
|
|
528 |
|
|
|
640 |
|
|
|
733 |
|
| Write-down investment in tax credit partnerships |
|
|
346 |
|
|
|
746 |
|
|
|
750 |
|
| Telephone |
|
|
541 |
|
|
|
1,131 |
|
|
|
919 |
|
| Donations and contributions |
|
|
506 |
|
|
|
837 |
|
|
|
859 |
|
| Marketing |
|
|
338 |
|
|
|
581 |
|
|
|
557 |
|
| Supplies |
|
|
495 |
|
|
|
572 |
|
|
|
550 |
|
| Fraud and forgery losses |
|
|
463 |
|
|
|
577 |
|
|
|
464 |
|
| Directors fees |
|
|
632 |
|
|
|
545 |
|
|
|
467 |
|
| Postage |
|
|
278 |
|
|
|
393 |
|
|
|
439 |
|
| Other operational losses |
|
|
1,662 |
|
|
|
36 |
|
|
|
519 |
|
| Other |
|
|
3,764 |
|
|
|
4,136 |
|
|
|
3,477 |
|
| Total other operating expenses |
|
$ |
15,490 |
|
|
$ |
16,214 |
|
|
$ |
14,627 |
|
|