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REVENUE RECOGNITION (Tables)
12 Months Ended
Dec. 31, 2019
REVENUE RECOGNITION  
Schedule of Revenue from External Customers by Products and Services

All of the Company’s revenue from contracts with customers in the scope of ASC 606 is recognized within noninterest income. The following table presents the Company’s sources of noninterest income for the years ended 2019, 2018 and 2017. Items outside of scope of ASC 606 are noted as such.

Year Ended December 31,

    

2019

    

2018

    

2017 (2)

NONINTEREST INCOME

Wealth advisory fees

$

6,835

$

6,344

$

5,481

Investment brokerage fees

 

1,687

 

1,458

 

1,273

Service charges on deposit accounts

 

  

 

  

 

  

Service charges on commercial deposit acounts

 

10,082

 

10,234

 

8,230

Service charges on retail deposit acounts

 

880

 

879

 

905

Overdrafts, net

 

3,585

 

3,581

 

3,452

Other

 

1,170

 

1,137

 

1,109

Loan and service fees

 

  

 

  

 

  

Debit card interchange fees

 

6,344

 

5,883

 

4,663

Loan fees (1)

 

2,544

 

2,423

 

2,231

Other

 

1,023

 

985

 

1,006

Merchant card fee income

 

2,641

 

2,461

 

2,279

Bank owned life insurance income (1)

 

1,890

 

1,244

 

1,768

Mortgage banking income (1)

 

1,626

 

1,150

 

982

Net securities gains (losses) (1)

 

142

 

(50)

 

32

Other income

4,548

2,573

2,629

Total noninterest income

$

44,997

$

40,302

$

36,040

(1)Not within scope of ASC 606
(2)The Company elected the modified retrospective approach of adoption; therefore, prior period balances are presented under legacy GAAP and may not be comparable to current year presentation. As a result of this new standard, the only revenue streams with changes in reporting in the current periods compared to the prior year comparable periods are loan and service fees and other income.