Please wait http://www.folfg.com/installment-loans-build-credit/ cash advance notification  Net interest income was $41.1 million for the second quarter of 2013, compared to $36.4 million for the second quarter of 2012, an increase of 12.9%. The increase was primarily due to growth in loan balances, the repayment of the Bank's $60 million of 10% subordinated notes in the third quarter of 2012 and lower deposit funding costs.