TCF Bank 2012 Annual Report Download - page 91

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The financial effects of TDR loans are presented in the following tables and represent the difference between interest
income recognized on accruing TDR loans and the contractual interest that would have been recorded under the original
contractual terms.
For the Year Ended December 31, 2012
(In thousands)
Original
Contractual Interest
Due on TDR Loans
Interest Income
Recognized
on TDR Loans
Foregone
Interest
Income
Consumer real estate:
First mortgage lien $29,317 $15,420 $13,897
Junior lien 2,483 1,587 896
Total consumer real estate 31,800 17,007 14,793
Commercial:
Commercial real estate 5,669 5,557 112
Commercial business 426 378 48
Total commercial 6,095 5,935 160
Leasing and equipment finance:
Middle market 57 66 (9)
Total leasing and equipment finance 57 66 (9)
Total $37,952 $23,008 $14,944
For the Year Ended December 31, 2011
(In thousands)
Original
Contractual Interest
Due on TDR Loans
Interest Income
Recognized
on TDR Loans
Foregone
Interest
Income
Consumer real estate:
First mortgage lien $23,815 $12,225 $11,590
Junior lien 1,712 955 757
Total consumer real estate 25,527 13,180 12,347
Commercial:
Commercial real estate 3,249 3,066 183
Commercial business 306 306 –
Total commercial 3,555 3,372 183
Leasing and equipment finance:
Middle market 78 79 (1)
Total leasing and equipment finance 78 79 (1)
Total $29,160 $16,631 $12,529
For the Year Ended December 31, 2010
(In thousands)
Original
Contractual Interest
Due on TDR Loans
Interest Income
Recognized
on TDR Loans
Foregone
Interest
Income
Consumer real estate:
First mortgage lien $19,649 $10,416 $ 9,233
Junior lien 1,450 719 731
Total consumer real estate 21,099 11,135 9,964
Commercial real estate 200 182 18
Total $21,299 $11,317 $ 9,982
{ 2012 Form 10K } { 75 }