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Non-interest income and expense that is non-interest

<strong><em>Non-interest income and expense that is non-interest</em></strong>

Non-interest income ended up being $639 thousand for the 4th quarter of 2019, a small enhance of $7 thousand, or 1.1percent, when compared to 4th quarter of 2018, and a loss of $272 thousand, or 29.9%, when compared to third quarter of 2019. The decrease set alongside the 3rd quarter of 2019 ended up being brought on by higher loan referral charge earnings throughout the 3rd quarter.