TCF Bank 2013 Annual Report Download - page 88

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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.
Year Ended December 31, 2013
Original Contractual Interest Income Foregone
Interest Due on Recognized on Interest
(In thousands) Accruing TDR Loans Accruing TDR Loans Income
Consumer real estate:
First mortgage lien $32,520 $14,897 $17,623
Junior lien 3,448 2,267 1,181
Total consumer real estate 35,968 17,164 18,804
Commercial:
Commercial real estate 6,610 6,009 601
Commercial business 369 284 85
Total commercial 6,979 6,293 686
Leasing and equipment finance 66 72 (6)
Inventory finance 30 30 –
Auto finance 431
Other 55–
Total $43,052 $23,567 $19,485
Year Ended December 31, 2012
Original Contractual Interest Income Foregone
Interest Due on Recognized on Interest
(In thousands) Accruing TDR Loans Accruing TDR Loans 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 57 66 (9)
Total $37,952 $23,008 $14,944
Year Ended December 31, 2011
Original Contractual Interest Income Foregone
Interest Due on Recognized on Interest
(In thousands) Accruing TDR Loans Accruing TDR Loans 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 78 79 (1)
Total $29,160 $16,631 $12,529
72