TCF Bank 2011 Annual Report Download - page 94

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The increase in the loan balance of impaired loans
from December 31, 2010 was primarily due to an increase
of $95.7 million in accruing consumer loan TDRs and an
increase of $49.6 million in accruing commercial TDRs.
Included in impaired loans were $413.7 million and
$326.1 million of accruing consumer real estate loan TDRs
less than 90 days past due as of December 31, 2011 and
December 31, 2010, respectively.
Note 8. Premises and Equipment
Premises and equipment are summarized as follows.
At December 31,
(In thousands) 2011 2010
Land $145,583 $145,304
Office buildings 272,036 272,155
Leasehold improvements 63,612 62,433
Furniture and equipment 319,679 323,745
Subtotal 800,910 803,637
Less accumulated depreciation
and amortization 364,629 359,869
Total $436,281 $443,768
TCF leases certain premises and equipment under
operating leases. Net lease expense including utilities and
other operating expenses was $34.4 million, $34.7 million
and $35.3 million in 2011, 2010 and 2009, respectively.
At December 31, 2011, the total minimum rental
payments for operating leases were as follows.
(In thousands)
2012 $ 26,193
2013 26,885
2014 25,474
2015 23,996
2016 20,968
Thereafter 90,615
Total $214,131
76 TCF Financial Corporation and Subsidiaries