9. Other Income and Operating Expense

Other income and operating expense totals are presented in the table below. Components of these totals exceeding 1% of the aggregate of total noninterest income and total noninterest expenses for any of the years presented below are stated separately.

		Three Months Ended
(in thousands)		03/31/2012				03/31/2011
Noninterest Income
Other service charges		$	537			$	561
Increase in cash surrender value of corporate owned life insurance			426				411
Net gain on sale of loans			100				164
Other income			201				693
Total other income		$	1,264			$	1,829
Noninterest Expenses
Marketing expense		$	1,173			$	862
Professional fees			887				599
Software licensing and maintenance			947				1,025
Cardholder expense			582				481
Other expenses			3,617				3,241
Total other operating expense		$	7,206			$	6,208