TCF Bank 2011 Annual Report Download - page 93

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The following table summarizes impaired loans.
At December 31, 2011
(In thousands)
Unpaid
Contractual
Balance Loan Balance
Related
Allowance
Recorded
Year-to-Date
Average Loan
Balance
Year-to-Date
Interest Income
Recognized
Impaired loans with an allowance recorded:
Consumer real estate:
First mortgage lien $396,754 $395,513 $55,642 $355,183 $12,040
Junior lien 33,796 33,404 5,397 27,561 930
Total consumer real estate 430,550 428,917 61,039 382,744 12,970
Commercial real estate 224,682 196,784 13,819 174,964 3,078
Commercial business 36,043 29,183 4,019 33,563 307
Total commercial 260,725 225,967 17,838 208,527 3,385
Leasing and equipment finance:
Middle market 9,501 9,501 1,130 11,341 123
Small ticket 532 532 114 528 9
Other 610 610 127 356 –
Total leasing and equipment finance 10,643 10,643 1,371 12,225 132
Inventory finance 823 823 44 939 71
Total impaired loans with an allowance recorded 702,741 666,350 80,292 604,435 16,558
Impaired loans without an allowance recorded:
Consumer real estate:
First mortgage lien 67,954 49,099 – 39,394 1,194
Junior lien 3,810 1,790 – 1,723 79
Total consumer real estate 71,764 50,889 – 41,117 1,273
Total impaired loans $774,505 $717,239 $80,292 $645,552 $17,831
At December 31, 2010
(In thousands)
Unpaid
Contractual
Balance Loan Balance
Related
Allowance
Recorded
Year-to-Date
Average Loan
Balance
Year-to-Date
Interest Income
Recognized
Impaired loans with an allowance recorded:
Consumer real estate:
First mortgage lien $315,289 $314,852 $35,340 $279,167 $10,311
Junior lien 21,679 21,717 3,006 18,248 687
Total consumer real estate 336,968 336,569 38,346 297,415 10,998
Commercial real estate 192,426 153,143 20,214 115,385 115
Commercial business 41,168 37,943 8,558 33,256 4
Total commercial 233,594 191,086 28,772 148,641 119
Leasing and equipment finance:
Middle market 13,181 13,181 2,745 13,147 80
Small ticket 524 524 155 599 1
Other 102 102 2 260 8
Total leasing and equipment finance 13,807 13,807 2,902 14,006 89
Inventory finance 1,055 1,055 185 913 48
Total impaired loans with an allowance recorded 585,424 542,517 70,205 460,975 11,254
Impaired loans without an allowance recorded:
Consumer real estate:
First mortgage lien 37,822 29,688 – 19,232 664
Junior lien 2,972 1,655 – 1,300 65
Total consumer real estate 40,794 31,343 – 20,532 729
Total impaired loans $626,218 $573,860 $70,205 $481,507 $11,983
752011 Form 10-K