1) Basic Spread: The difference between lending and deposit interest rates,
known as the interest rate spread (IRS), is an important determinant of the profitability of a Bank.
Percent Change
9/30/2013 9/30/2012 12/31/2012 12/31/2011 12/31/2010 1 Year
Interest and Fees on Loans
246,760 252,977 334,629 361,322 262,618 -2.46
Income From Lease Financing
3,446 3,877 5,132 6,039 4,432 -11.12
Tax-Exempt
204 1,507 1,583 6,193 8,694 -86.46
Estimated Tax Benefit
109 811 852 3,334 4,681 -86.46
Income on Loans & Leases (TE)
250,315 257,665 340,613 370,695 271,731 -2.85
Interest on Due From Banks
213 350 443 566 449 -39.14
Int on Fed Funds Sold & Resales
0 0 0 0 0 N/A
Trading Account Income
0 0 0 0 0 N/A
Other Interest Income
205 129 184 0 0 58.91
Total Interest Income (TE)
254,109 263,291 347,805 378,789 282,817 -3.49
Int on Deposits in Foreign Off
N/A N/A N/A N/A N/A N/A
Interest on Time Dep Over $100M
11,863 18,170 22,761 23,500 19,301 -34.71
Interest on All Other Deposits
14,214 15,380 19,859 31,176 23,059 -7.58
Int on Fed Funds Purch & Repos
47 50 59 0 0 -6.00
Int Trad Liab & Oth Borrowings
14,614 13,102 17,809 18,263 19,536 11.54
Int on Sub Notes & Debentures
0 0 0...