TCF Bank 2000 Annual Report Download - page 72

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70
TCF
Allowance for Loan and Lease Loss Information
Year Ended December 31,
(Dollars in thousands) 2000 1999 1998 1997 1996
Balance at beginning of year . . . . . . . . . . . . . . . . . . . . $55,755 $ 80,013 $ 82,583 $ 71,865 $ 66,290
Acquired balance . . . . . . . . . . . . . . . . . . . . . . . . . . . . –– – 10,592 –
Transfers to loans held for sale . . . . . . . . . . . . . . . . . . –(14,793) – – –
Charge-offs:
Residential real estate . . . . . . . . . . . . . . . . . . . . . . (15) (155) (291) (444) (333)
Commercial real estate . . . . . . . . . . . . . . . . . . . . . (76) (674) (1,294) (927) (1,944)
Commercial business . . . . . . . . . . . . . . . . . . . . . . (360) (52) (42) (1,485) (2,786)
Consumer . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . (7,041) (31,509) (30,108) (21,660) (18,317)
Leasing and equipment finance . . . . . . . . . . . . . . . (2,209) (2,008) (979) (2,297) (914)
(9,701) (34,398) (32,714) (26,813) (24,294)
Recoveries:
Residential real estate . . . . . . . . . . . . . . . . . . . . . . 28 71 103 167 131
Commercial real estate . . . . . . . . . . . . . . . . . . . . . 295 1,381 559 2,530 3,690
Commercial business . . . . . . . . . . . . . . . . . . . . . . 694 329 635 2,488 2,675
Consumer . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4,576 5,831 5,222 3,141 1,918
Leasing and equipment finance . . . . . . . . . . . . . . . 250 398 345 618 9
5,843 8,010 6,864 8,944 8,423
Net charge-offs . . . . . . . . . . . . . . . . . . . . . . . . (3,858) (26,388) (25,850) (17,869) (15,871)
Provision charged to operations . . . . . . . . . . . . . . . . . 14,772 16,923 23,280 17,995 21,446
Balance at end of year . . . . . . . . . . . . . . . . . . . . . . . . $66,669 $ 55,755 $ 80,013 $ 82,583 $ 71,865
Ratio of net loan and lease charge-offs to average
loans and leases outstanding . . . . . . . . . . . . . . . . . .05% .35% .36% .30% .29%
Year-end allowance as a percentage of year-end
total loan and lease balances . . . . . . . . . . . . . . . . . .78 .71 1.12 1.17 1.36
Year-end allowance as a percentage of year-end loans
and leases excluding residential real estate loans . . . . 1.31 1.33 2.27 2.30 2.29
OTHER FINANCIAL DATA