TCF Bank 2012 Annual Report Download - page 118

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Note 23. Other Expense
Other expense consists of the following.
Year Ended December 31,
(In thousands) 2012 2011 2010
Card processing and issuance cost $ 15,586 $ 18,593 $ 19,167
Professional fees 13,608 15,466 17,742
Outside processing 12,919 11,910 11,487
Travel 11,740 9,880 9,125
Telecommunications 11,735 12,420 11,915
Postage and courier 10,107 10,241 11,926
Deposit account losses 8,759 8,435 12,590
Other 79,443 58,544 52,301
Total other expense $163,897 $145,489 $146,253
Note 24. Business Segments
Lending, Funding and Support Services have been
identified as reportable segments. Lending includes retail
lending, commercial banking, leasing and equipment
finance, inventory finance and auto finance. Funding
includes branch banking and treasury services. Support
Services includes holding company and corporate
functions that provide data processing, bank operations
and other professional services to the operating segments.
In 2012, TCF changed the management structure and
therefore its segments. Prior periods segment information
have been restated to reflect the current structure.
TCF evaluates performance and allocates resources
based on each segment’s net income (loss). The business
segments follow GAAP as described in Note 1, Summary of
Significant Accounting Policies. TCF generally accounts for
inter-segment sales and transfers at cost.
{ 102 } { TCF Financial Corporation and Subsidiaries }