The following table summarizes the point of revenue recognition and the income recognized for each of the revenue streams for the three and nine months ended September 30, 2019 and 2018, respectively:

	Point of Revenue	For the Three Months Ended September 30,				For the Nine Months Ended September 30,
(unaudited, in thousands)	Recognition	2019		2018		2019		2018
Revenue Streams
Trust fees
Trust account fees	Over time	$	4,265	$	4,006	$	13,529	$	11,856
WesMark fees	Over time		2,160		2,259		6,351		6,664
Total trust fees			6,425		6,265		19,880		18,520
Service charges on deposits
Commercial banking fees	Over time		513		563		1,480		1,406
Personal service charges	At a point in time & over time		6,543		5,750		18,323		14,876
Total service charges on deposits			7,056		6,313		19,803		16,282
Net securities brokerage revenue
Annuity commissions	At a point in time		1,204		1,326		4,018		3,836
Equity and debt security trades	At a point in time		151		116		356		304
Managed money	Over time		153		173		484		477
Trail commissions	Over time		257		221		739		698
Total net securities brokerage revenue			1,765		1,836		5,597		5,315

Payment processing fees (1)	At a point in time & over time		709		311		2,142		311
Electronic banking fees	At a point in time		5,253		6,139		18,299		16,697
Mortgage banking income	At a point in time		2,588		1,521		5,262		4,297
Net gain on other real estate owned and other assets	At a point in time		158		150		670		641