TCF Bank 2012 Annual Report Download - page 93

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The following tables summarize impaired loans.
At December 31, 2012
(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 $ 448,887 $441,336 $ 76,425 $418,425 $15,016
Junior lien 44,218 42,836 9,120 38,120 1,519
Total consumer real estate 493,105 484,172 85,545 456,545 16,535
Commercial:
Commercial real estate 287,061 250,578 12,963 223,681 5,792
Commercial business 27,662 21,676 1,408 25,430 393
Total commercial 314,723 272,254 14,371 249,111 6,185
Leasing and equipment finance:
Middle market 7,414 7,415 737 8,456 19
Small ticket 153 153 65 343 –
Other 101 101 36 356 6
Total leasing and equipment finance 7,668 7,669 838 9,155 25
Inventory finance 1,487 1,487 230 1,155 125
Other 38 38 – 19 1
Total impaired loans with an allowance recorded 817,021 765,620 100,984 715,985 22,871
Impaired loans without an allowance recorded:
Consumer real estate:
First mortgage lien 184,790 141,511 – 95,305 4,466
Junior lien 59,451 26,166 – 13,978 1,721
Total consumer real estate 244,241 167,677 – 109,283 6,187
Auto finance 187 101 – 51 –
Total impaired loans without an allowance recorded 244,428 167,778 – 109,334 6,187
Total impaired loans $1,061,449 $933,398 $100,984 $825,319 $29,058
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:
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 impaired loans without an allowance recorded 71,764 50,889 – 41,117 1,273
Total impaired loans $ 774,505 $717,239 $ 80,292 $645,552 $17,831
{ 2012 Form 10K } { 77 }