TCF Bank 2006 Annual Report Download - page 94

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Retrospective Effect of Change in Accounting Principle
Increase/(Decrease)
(In thousands) 2005 2004
Statements of Financial Condition
Loans and leases $ 18,661 $ 31,913
Allowance for loan and lease losses (4,573) (4,485)
Deposits 18,661 31,913
Accrued expenses and other liabilities 4,573 4,485
Statements of Income
Provision for credit losses 3,565 7,680
Fees and service charges (88) (325)
Other non-interest expense (3,653) (8,005)
Statements of Cash Flow
Provision for credit losses 3,565 7,680
Net increase in other assets and
accrued expenses and other liabilities (17,433) (20,021)
Originations and purchases of loans 13,252 (10,350)
Other, net (Investing) 13,868 12,342
Net increase in deposits (13,252) 10,350
Other Financial Information
Charge-offs 17,521 20,347
Less recoveries 13,868 12,342
Net charge-offs $ 3,653 $ 8,005
74 TCF Financial Corporation and Subsidiaries