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Note 15 - Other Operating Income and Expenses | 12 Months Ended
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Dec. 31, 2024
Notes to Financial Statements |
Other Operating Income (Expense) 1 [Text Block] |
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, |
|  | 2024 |  |  | 2023 |  |  | 2022 |
|  | (In Thousands) |
Other Operating Income |  |  |  |  |  |  |  |  |  |  |  |
ATM fee income |  | $ | 632 |  |  | $ | (200 | ) |  | $ | 618 |
Mark to market interest rate cap derivative |  |  | - |  |  |  | 48 |  |  |  | 6,960 |
Gain (loss) on sale of ORE |  |  | 120 |  |  |  | (28 | ) |  |  | 501 |
Death benefit of bank owned life insurance contracts(1) |  |  | - |  |  |  | - |  |  |  | 2,153 |
Loss on sale of fixed assets |  |  | (91 | ) |  |  | - |  |  |  | (12 | )
Merchant services fees |  |  | 2,278 |  |  |  | 2,214 |  |  |  | 1,765 |
Other |  |  | (52 | ) |  |  | 1,003 |  |  |  | 676 |
Total other operating income |  | $ | 2,887 |  |  | $ | 3,037 |  |  | $ | 12,661 |
Other Operating Expenses |  |  |  |  |  |  |  |  |  |  |  |
Other loan expenses |  | $ | 2,754 |  |  | $ | 2,794 |  |  | $ | 2,226 |
Customer and public relations |  |  | 3,338 |  |  |  | 2,971 |  |  |  | 2,354 |
Sales and use tax |  |  | 779 |  |  |  | 771 |  |  |  | 636 |
Write-down investment in tax credit partnerships |  |  | 1,396 |  |  |  | 12,053 |  |  |  | 9,998 |
Telephone |  |  | 564 |  |  |  | 597 |  |  |  | 568 |
Donations and contributions |  |  | 658 |  |  |  | 651 |  |  |  | 749 |
Marketing |  |  | 951 |  |  |  | 768 |  |  |  | 446 |
Supplies |  |  | 701 |  |  |  | 705 |  |  |  | 612 |
Fraud and forgery losses |  |  | 2,139 |  |  |  | 1,435 |  |  |  | 1,988 |
Directors fees |  |  | 807 |  |  |  | 797 |  |  |  | 730 |
Postage |  |  | 352 |  |  |  | 361 |  |  |  | 366 |
Other operational losses |  |  | 270 |  |  |  | 449 |  |  |  | 2,777 |
Core processing deconversion expense |  |  | - |  |  |  | 134 |  |  |  | 939 |
Privilege tax expense |  |  | 1,767 |  |  |  | 4,300 |  |  |  | 1,869 |
Other |  |  | 4,864 |  |  |  | 4,556 |  |  |  | 4,817 |
Total other operating expenses |  | $ | 21,341 |  |  | $ | 33,342 |  |  | $ | 31,075 |
(1) | For the years ended December 31, 2024 and 2023, death benefit amounts were included in Bank-owned life insurance income.

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