TCF Bank 2001 Annual Report Download - page 55

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53
6Loans and Leases
Loans and leases consist of the following:
At December 31,
Percentage
(Dollars in thousands) 2001 2000 Change
Consumer:
Home equity. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $2,443,788 $2,152,147 13.6%
Other secured. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 43,433 56,812 (23.5)
Unsecured . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 22,112 25,175 (12.2)
2,509,333 2,234,134 12.3
Commercial:
Commercial real estate:
Permanent. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1,444,484 1,193,469 21.0
Construction and development . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 177,977 178,372 (0.2)
1,622,461 1,371,841 18.3
Commercial business. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 422,381 410,422 2.9
2,044,842 1,782,263 14.7
Leasing and equipment finance:
Equipment finance loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 271,398 207,059 31.1
Lease financings:
Direct financing leases . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 691,899 658,678 5.0
Sales-type leases . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 36,272 37,645 (3.6)
Lease residuals . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 33,860 30,426 11.3
Unearned income and deferred lease costs . . . . . . . . . . . . . . . . . . . . . . . . . . . (94,300) (94,506) (0.2)
Investment in leveraged lease. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 17,608 17,169 2.6
685,339 649,412 5.5
956,737 856,471 11.7
Total consumer, commercial and leasing and equipment finance . . . . . . . . . . . . . 5,510,912 4,872,868 13.1
Residential real estate . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2,733,290 3,673,831 (25.6)
$8,244,202 $8,546,699 (3.5)