Investor Presentaiton
Noninterest Income
$ in millions
Linked Quarter
✓ Fees were up $1.5 million
.
.
$39.0
$37.2
$3.2
$3.8
$33.5
$33.4
$31.9
$1.5
$3.8
$2.2
$3.1
$10.9
$16.1
$7.0
$6.3
$5.8
•
$5.9
$6.1
$6.0
$5.9
$13.5
$6.7
$7.9
$7.8
$4.7
$8.6
$9.1
$10.0
$9.6
$9.5
4Q21
1Q22
2Q22
3Q22
4Q22
Other
Mortgage
Service Charges
Brokerage / Wealth Mgmt
Loan sale gains
•
•
Notable items include:
Positive equity valuation marks of $3.6 million
$184,000 of securities losses
A $3.2 million decline in mortgage fees driven by
the absence of last quarter's $2.4 million MSR
write-up and a decline in locked volume of $92
million, or 20% from 3Q22
MSR write-down of $239,000 in 4Q22
We opted to sell fewer SBA/USDA loans and
took $982,000 in 4Q gains on $16.9 million loans
sold compared to $1.5 million in gains on $20.4
million loans sold in 3Q22
SBA / USDA loan originations increased $11.4 million
to $46.8 million
Gain on sale of equipment finance loans was
$522,000 on $24.3 million of loan sales
compared to $693,000 in gains on $21.6 million
of loan sales in 3Q22
Year-over-Year
✓ Fees were down $3.8 million
.
Mortgage rate locks of $364 million in 4Q22
compared to $695 million in 4Q21
15 U
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