The major components of other operating income and expense included in noninterest income and noninterest expense are as follows:

 

		Years Ended December 31,
		2014			2013			2012
					(In Thousands)
Other Operating Income
(Loss) gain on sale of other real estate owned		$	(413)		$	(159)		$	(105)
Credit card income			2,041			1,425			1,064
Other			1,006			878			744
		$	2,634		$	2,144		$	1,703
Other Operating Expenses
Postage		$	264		$	195		$	159
Telephone			555			465			385
Data processing			3,126			2,535			2,202
Other loan expenses			1,296			1,882			2,836
Supplies			399			380			320
Customer and public relations			959			838			791
Marketing			477			532			454
Sales and use tax			259			309			198
Donations and contributions			466			370			482
Directors fees			364			341			286
Write-down investment in tax credit partnerships			2,552			356			330
Other operational losses			575			113			22
Other			3,680			2,613			2,257
		$	14,972		$	10,929		$	10,722