TCF Bank 2014 Annual Report Download - page 81

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Accruing and Non-accrual Loans and Leases The following tables set forth information regarding TCF’s accruing and
non-accrual loans and leases. Non-accrual loans and leases are those which management believes have a higher risk of loss.
Delinquent balances are determined based on the contractual terms of the loan or lease.
At December 31, 2014
Current-59 Days 60-89 Days 90 Days or
Delinquent Delinquent More Delinquent Total
(In thousands) and Accruing and Accruing and Accruing Accruing Non-accrual Total
Consumer real estate:
First mortgage lien $ 2,987,992 $13,176 $ 194 $ 3,001,362 $137,790 $ 3,139,152
Junior lien 2,505,640 2,091 – 2,507,731 35,481 2,543,212
Total consumer real
estate 5,493,632 15,267 194 5,509,093 173,271 5,682,364
Commercial:
Commercial real estate 2,599,701 – – 2,599,701 24,554 2,624,255
Commercial business 532,929 – – 532,929 481 533,410
Total commercial 3,132,630 – – 3,132,630 25,035 3,157,665
Leasing and equipment
finance 3,728,115 2,242 307 3,730,664 12,670 3,743,334
Inventory finance 1,874,933 49 26 1,875,008 2,082 1,877,090
Auto finance 1,907,005 2,785 1,478 1,911,268 3,676 1,914,944
Other 24,144 – – 24,144 – 24,144
Subtotal 16,160,459 20,343 2,005 16,182,807 216,734 16,399,541
Portfolios acquired with
deteriorated credit quality 2,017 83 5 2,105 – 2,105
Total $16,162,476 $20,426 $2,010 $16,184,912 $216,734 $16,401,646
At December 31, 2013
Current-59 Days 60-89 Days 90 Days or
Delinquent Delinquent More Delinquent Total
(In thousands) and Accruing and Accruing and Accruing Accruing Non-accrual Total
Consumer real estate:
First mortgage lien $ 3,564,716 $19,815 $1,079 $ 3,585,610 $180,811 $ 3,766,421
Junior lien 2,531,151 3,532 – 2,534,683 38,222 2,572,905
Total consumer real estate 6,095,867 23,347 1,079 6,120,293 219,033 6,339,326
Commercial:
Commercial real estate 2,706,633 886 – 2,707,519 36,178 2,743,697
Commercial business 399,750 190 354 400,294 4,361 404,655
Total commercial 3,106,383 1,076 354 3,107,813 40,539 3,148,352
Leasing and equipment finance 3,404,346 2,226 613 3,407,185 14,041 3,421,226
Inventory finance 1,661,798 29 21 1,661,848 2,529 1,664,377
Auto finance 1,236,678 1,105 773 1,238,556 470 1,239,026
Other 26,323 9 1 26,333 410 26,743
Subtotal 15,531,395 27,792 2,841 15,562,028 277,022 15,839,050
Portfolios acquired with
deteriorated credit quality 7,870 14 5 7,889 – 7,889
Total $15,539,265 $27,806 $2,846 $15,569,917 $277,022 $15,846,939
The following table provides interest income recognized on loans and leases in non-accrual status and contractual interest that
would have been recorded had the loans and leases performed in accordance with their original contractual terms.
Year Ended December 31,
(In thousands) 2014 2013 2012
Contractual interest due on non-accrual loans and leases $26,584 $33,046 $39,232
Interest income recognized on non-accrual loans and leases 9,359 12,149 9,401
Foregone interest income $17,225 $20,897 $29,831
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