TCF Bank 2015 Annual Report Download - page 117

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102
Note 21. Other Expense
Other expense consisted of the following.
Year Ended December 31,
(In thousands) 2015 2014 2013
Loan and lease processing $ 24,641 $20,294 $13,787
Professional fees 19,615 18,949 18,642
Card processing and issuance cost 16,591 16,588 15,868
Outside processing 14,332 13,288 13,767
Telecommunications 11,957 11,911 11,720
Travel 11,609 11,481 12,810
Other 87,466 87,393 81,183
Total other expense $ 186,211 $ 179,904 $ 167,777
Note 22. Business Segments
Lending, Funding and Support Services have been identified as reportable segments. Lending includes consumer real
estate, commercial real estate and business lending, leasing and equipment finance, inventory finance and auto
finance. Funding includes retail banking and treasury services. Support Services includes Holding Company and
corporate functions that provide data processing, bank operations and other professional services to the operating
segments.
TCF evaluates performance and allocates resources based on each segment's net income or loss. The business
segments follow GAAP as described in Note 1, Summary of Significant Accounting Policies. TCF generally accounts
for inter-segment sales and transfers at cost.