TCF Financial 10-Q 5 Aug 15 2015 Q2 Quarterly report Financial data

Document and Entity Information

Document and Entity Information - shares	6 Months Ended
	Jun. 30, 2015	Jul. 29, 2015
Document and Entity Information
Entity Registrant Name	TCF FINANCIAL CORP
Entity Central Index Key	814,184
Document Type	10-Q
Document Period End Date	Jun. 30, 2015
Amendment Flag	false
Current Fiscal Year End Date	--12-31
Entity Current Reporting Status	Yes
Entity Filer Category	Large Accelerated Filer
Entity Common Stock, Shares Outstanding		169,214,437
Document Fiscal Year Focus	2,015
Document Fiscal Period Focus	Q2

Consolidated Statements of Fina

Consolidated Statements of Financial Condition - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Assets:
Cash and due from banks	$ 912,461	$ 1,115,250
Investments	78,518	85,492
Securities held to maturity	208,911	214,454
Securities available for sale	629,848	463,294
Loans and leases held for sale	200,034	132,266
Consumer real estate:
First mortgage lien	2,865,911	3,139,152
Junior lien	2,678,118	2,543,212
Total consumer real estate	5,544,029	5,682,364
Commercial	3,112,344	3,157,665
Leasing and equipment finance	3,791,215	3,745,322
Inventory finance	2,106,087	1,877,090
Auto finance	2,301,714	1,915,061
Other	21,852	24,144
Total loans and leases	16,877,241	16,401,646
Allowance for loan and lease losses	(156,115)	(164,169)
Net loans and leases	16,721,126	16,237,477
Premises and equipment, net	435,600	436,361
Goodwill	225,640	225,640
Other assets	414,212	484,377
Total assets	19,826,350	19,394,611
Deposits:
Checking	5,375,818	5,195,243
Savings	4,968,398	5,212,320
Money market	2,286,773	1,993,130
Certificates of deposit	3,196,230	3,049,189
Total deposits	15,827,219	15,449,882
Short-term borrowings	7,305	4,425
Long-term borrowings	1,210,736	1,232,065
Total borrowings	1,218,041	1,236,490
Accrued expenses and other liabilities	559,068	572,875
Total liabilities	17,604,328	17,259,247
Equity:
Preferred stock, par value $0.01 per share, 30,000,000 shares authorized; 4,006,900 issued	263,240	263,240
Common stock, par value $0.01 per share, 280,000,000 shares authorized; 169,144,261 and 167,503,568 shares issued, respectively	1,691	1,675
Additional paid-in capital	838,755	817,130
Retained earnings, subject to certain restrictions	1,165,753	1,099,914
Accumulated other comprehensive income (loss)	(16,370)	(10,910)
Treasury stock at cost, 42,566 shares, and other	(50,558)	(49,400)
Total TCF Financial Corporation stockholders' equity	2,202,511	2,121,649
Non-controlling interest in subsidiaries	19,511	13,715
Total equity	2,222,022	2,135,364
Total liabilities and equity	$ 19,826,350	$ 19,394,611

Consolidated Statements of Fin3

Consolidated Statements of Financial Condition (Parenthetical) - $ / shares	Jun. 30, 2015	Dec. 31, 2014
Statement of Financial Position [Abstract]
Preferred stock, par value (in dollars per share)	$ 0.01	$ 0.01
Preferred stock, shares authorized	30,000,000	30,000,000
Preferred stock, shares issued	4,006,900	4,006,900
Common stock, par value (in dollars per share)	$ 0.01	$ 0.01
Common stock, shares authorized	280,000,000	280,000,000
Common stock, shares issued	169,144,261	167,503,568
Treasury stock at cost, shares	42,566	42,566

Consolidated Statements of Inco

Consolidated Statements of Income - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014
Interest income:
Loans and leases	$ 207,164	$ 206,788	$ 413,140	$ 409,325
Securities available for sale	3,543	2,805	6,623	5,968
Securities held to maturity	1,384	1,443	2,789	2,407
Investments and other	10,990	9,055	20,323	17,018
Total interest income	223,081	220,091	442,875	434,718
Interest expense:
Deposits	11,080	8,877	22,152	16,914
Borrowings	5,972	5,113	11,274	10,429
Total interest expense	17,052	13,990	33,426	27,343
Net interest income	206,029	206,101	409,449	407,375
Provision for credit losses	12,528	9,909	25,319	24,401
Net interest income after provision for credit losses	193,501	196,192	384,130	382,974
Non-interest income:
Fees and service charges	36,295	38,035	70,267	74,654
Card revenue	13,902	13,249	26,803	25,499
ATM revenue	5,540	5,794	10,662	11,113
Subtotal	55,737	57,078	107,732	111,266
Gains on sales of auto loans, net	10,756	7,270	17,021	15,740
Gains on sales of consumer real estate loans, net	11,954	8,151	20,717	19,857
Servicing fee income	7,216	4,892	14,558	9,199
Subtotal	29,926	20,313	52,296	44,796
Leasing and equipment finance	26,385	23,069	48,609	45,049
Other	1,460	2,789	5,587	5,171
Fees and other revenue	113,508	103,249	214,224	206,282
Gains (losses) on securities, net	(59)	767	(137)	1,141
Total non-interest income	113,449	104,016	214,087	207,423
Non-interest expense:
Compensation and employee benefits	116,159	109,664	231,974	224,753
Occupancy and equipment	36,152	34,316	72,979	69,155
FDIC insurance	4,864	7,625	10,257	15,188
Operating lease depreciation	8,582	6,613	16,316	12,840
Advertising and marketing	5,150	6,245	11,673	12,141
Other	45,887	42,618	94,020	83,953
Subtotal	216,794	207,081	437,219	418,030
Foreclosed real estate and repossessed assets, net	6,377	5,743	12,573	11,811
Other credit costs, net	(62)	371	84	490
Total non-interest expense	223,109	213,195	449,876	430,331
Income before income tax expense	83,841	87,013	148,341	160,066
Income tax expense	28,902	31,385	51,730	57,964
Income after income tax expense	54,939	55,628	96,611	102,102
Income attributable to non-controlling interest	2,684	2,503	4,555	4,220
Net income attributable to TCF Financial Corporation	52,255	53,125	92,056	97,882
Preferred stock dividends	4,847	4,847	9,694	9,694
Net income available to common stockholders	$ 47,408	$ 48,278	$ 82,362	$ 88,188
Net income per common share:
Basic (in dollars per share)	$ 0.29	$ 0.30	$ 0.50	$ 0.54
Diluted (in dollars per share)	$ 0.29	$ 0.29	$ 0.50	$ 0.54

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014
Statement of Comprehensive Income [Abstract]
Net income attributable to TCF Financial Corporation	$ 52,255	$ 53,125	$ 92,056	$ 97,882
Securities available for sale:
Unrealized gains (losses) arising during the period	(11,140)	8,648	(7,001)	20,514
Reclassification of net (gains) losses to net income	286	(452)	590	(629)
Net investment hedges:
Unrealized gains (losses) arising during the period	(674)	(1,382)	2,914	(172)
Foreign currency translation adjustment:
Unrealized gains (losses) arising during the period	617	1,399	(3,269)	23
Recognized postretirement prior service cost:
Reclassification of net (gains) losses to net income	(11)	(11)	(23)	(23)
Income tax (expense) benefit	4,358	(2,561)	1,329	(7,415)
Total other comprehensive income (loss)	(6,564)	5,641	(5,460)	12,298
Comprehensive income	$ 45,691	$ 58,766	$ 86,596	$ 110,180

Consolidated Statements of Equi

Consolidated Statements of Equity - USD ($) $ in Thousands	Total	TCF Financial Corporation	Preferred Stock	Common Stock	Additional Paid-in Capital	Retained Earnings	Accumulated Other Comprehensive Income (Loss)	Treasury Stock and Other	Non-controlling Interests
Balance at Dec. 31, 2013	$ 1,964,759	$ 1,952,968	$ 263,240	$ 1,652	$ 779,641	$ 977,846	$ (27,213)	$ (42,198)	$ 11,791
Balance (in shares) at Dec. 31, 2013			4,006,900	165,164,861
Increase (Decrease) in Equity
Net income attributable to TCF Financial Corporation	102,102	97,882				97,882			4,220
Other comprehensive income (loss)	12,298	12,298					12,298
Net investment by (distribution to) non-controlling interest	794								794
Dividends on preferred stock	(9,694)	(9,694)				(9,694)
Dividends on common stock	(16,309)	(16,309)				(16,309)
Grants of restricted stock	0	0		$ 10	(10)
Grants of restricted stock (in shares)				1,052,898
Common shares purchased by TCF employee benefit plans	13,108	13,108		$ 8	13,100
Common shares purchased by TCF employee benefit plans (in shares)				816,570
Cancellation of shares of restricted stock	(219)	(219)			(219)	0
Cancellation of shares of restricted stock (in shares)				(52,020)
Cancellation of common shares for tax withholding	(965)	(965)		$ (1)	(964)
Cancellation of common shares for tax withholding (in shares)				(58,283)
Net amortization of stock compensation	5,074	5,074			5,074
Stock compensation tax (expense) benefit	763	763			763
Change in shares held in trust for deferred compensation plans, at cost					9,260			(9,260)
Balance (in shares) at Jun. 30, 2014			4,006,900	166,924,026
Balance at Jun. 30, 2014	2,071,711	2,054,906	$ 263,240	$ 1,669	806,645	1,049,725	(14,915)	(51,458)	16,805
Balance at Dec. 31, 2014	2,135,364	2,121,649	$ 263,240	$ 1,675	817,130	1,099,914	(10,910)	(49,400)	13,715
Balance (in shares) at Dec. 31, 2014			4,006,900	167,503,568
Increase (Decrease) in Equity
Net income attributable to TCF Financial Corporation	96,611	92,056				92,056			4,555
Other comprehensive income (loss)	(5,460)	(5,460)					(5,460)
Net investment by (distribution to) non-controlling interest	1,241								1,241
Dividends on preferred stock	(9,694)	(9,694)				(9,694)
Dividends on common stock	(16,523)	(16,523)				(16,523)
Grants of restricted stock	0	0		$ 7	(7)
Grants of restricted stock (in shares)				722,304
Common shares purchased by TCF employee benefit plans	14,439	14,439		$ 9	14,430
Common shares purchased by TCF employee benefit plans (in shares)				915,632
Cancellation of shares of restricted stock	(533)	(533)		$ (1)	(532)
Cancellation of shares of restricted stock (in shares)				(132,937)
Cancellation of common shares for tax withholding	(1,023)	(1,023)		$ (1)	(1,022)
Cancellation of common shares for tax withholding (in shares)				(64,306)
Net amortization of stock compensation	4,743	4,743			4,743
Exercise of stock options	2,570	2,570		$ 2	2,568
Exercise of stock options (in shares)				200,000
Stock compensation tax (expense) benefit	287	287			287
Change in shares held in trust for deferred compensation plans, at cost					1,158			(1,158)
Balance (in shares) at Jun. 30, 2015			4,006,900	169,144,261
Balance at Jun. 30, 2015	$ 2,222,022	$ 2,202,511	$ 263,240	$ 1,691	$ 838,755	$ 1,165,753	$ (16,370)	$ (50,558)	$ 19,511

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014
Cash flows from operating activities:
Net income attributable to TCF Financial Corporation	$ 92,056	$ 97,882
Adjustments to reconcile net income to net cash provided by (used in) operating activities:
Provision for credit losses	25,319	24,401
Depreciation and amortization	74,816	62,122
Proceeds from sales of loans and leases held for sale	412,752	207,456
Gains on sales of assets, net	(42,573)	(38,350)
Net income attributable to non-controlling interest	4,555	4,220
Originations of loans held for sale, net of repayments	(451,836)	(286,182)
Net change in other assets and accrued expenses and other liabilities	52,928	31,816
Other, net	(12,087)	(15,764)
Net cash provided by (used in) operating activities	155,930	87,601
Cash flows from investing activities:
Loan originations and purchases, net of principal collected on loans and leases	(1,064,822)	(897,681)
Purchases of equipment for lease financing	(451,625)	(441,792)
Proceeds from sales of loans	915,865	886,715
Proceeds from sales of lease receivables	15,893	10,289
Proceeds from sales of securities	0	2,519
Purchases of securities	(204,007)	(70,479)
Proceeds from maturities of and principal collected on securities	43,500	25,255
Purchases of Federal Home Loan Bank stock	(75,000)	(47,000)
Redemption of Federal Home Loan Bank stock	82,004	55,928
Proceeds from sales of real estate owned	35,998	33,524
Purchases of premises and equipment	(20,646)	(22,864)
Other, net	15,534	13,412
Net cash provided by (used in) investing activities	(707,306)	(452,174)
Cash flows from financing activities:
Net change in deposits	371,216	600,621
Net change in short-term borrowings	2,969	3,345
Proceeds from long-term borrowings	2,653,143	1,104,999
Payments on long-term borrowings	(2,671,061)	(1,316,734)
Redemption of subordinated debt	0	(50,000)
Net investment by (distribution to) non-controlling interest	1,241	794
Dividends paid on preferred stock	(9,694)	(9,694)
Dividends paid on common stock	(16,523)	(16,309)
Stock compensation tax (expense) benefit	287	763
Common shares sold to TCF employee benefit plans	14,439	13,108
Exercise of stock options	2,570	0
Net cash provided by (used in) financing activities	348,587	330,893
Net change in cash and due from banks	(202,789)	(33,680)
Cash and due from banks at beginning of period	1,115,250	915,076
Cash and due from banks at end of period	912,461	881,396
Cash paid (received) for:
Interest on deposits and borrowings	28,440	25,553
Income taxes, net	(2,181)	58,640
Transfer of loans to other assets	51,638	42,371
Transfer of securities available for sale to securities held to maturity	$ 0	$ 191,665

Basis of Presentation

Basis of Presentation	6 Months Ended
	Jun. 30, 2015
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Basis of Presentation	Basis of Presentation TCF Financial Corporation, a Delaware corporation ("we," "us," "our," "TCF," or the "Company"), is a national bank holding company based in Wayzata, Minnesota. Unless otherwise indicated, references herein to "TCF" include its direct and indirect subsidiaries. Its principal subsidiary, TCF National Bank ("TCF Bank"), is headquartered in South Dakota. References herein to "TCF Financial" refer to TCF Financial Corporation on an unconsolidated basis. The accompanying unaudited consolidated financial statements have been prepared in accordance with the instructions to Form 10-Q and, therefore, do not include all of the information and notes necessary for complete financial statements in conformity with generally accepted accounting principles in the United States ("GAAP"). The information in this Quarterly Report on Form 10-Q is written with the presumption that the users of the interim financial statements have read or have access to the Company's most recent Annual Report on Form 10-K, which contains the latest audited financial statements and notes thereto, together with Management's Discussion and Analysis of Financial Condition and Results of Operations at December 31, 2014 , and for the year then ended. All significant intercompany accounts and transactions have been eliminated in consolidation. Certain reclassifications have been made to prior period financial statements to conform to the current period presentation. Accounting policies in effect at December 31, 2014 remain significantly unchanged and will be followed similarly as in previous periods. The preparation of financial statements in conformity with GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities, disclosure of contingent assets and liabilities at the date of the financial statements and the reported amount of revenues and expenses during the reporting period. These estimates are based on information available to management at the time the estimates are made. Actual results could differ from those estimates. In the opinion of management, the accompanying unaudited consolidated financial statements contain all significant adjustments, consisting of normal recurring items, considered necessary for fair presentation. The results of operations for interim periods are not necessarily indicative of the results to be expected for the entire year.

Cash and Due from Banks

Cash and Due from Banks	6 Months Ended
	Jun. 30, 2015
Cash and Cash Equivalents [Abstract]
Cash and Due from Banks	Cash and Due from Banks At June 30, 2015 and December 31, 2014 , TCF Bank was required by Federal Reserve regulations to maintain reserves of $102.2 million and $98.7 million , respectively, in cash on hand or at the Federal Reserve Bank. TCF maintains cash balances that are restricted as to their use in accordance with certain contractual agreements primarily related to the sale and servicing of auto loans and consumer real estate loans. Cash payments received on loans serviced for third parties are generally held in separate accounts until remitted. TCF also retains cash balances for collateral on certain borrowings, forward foreign exchange contracts and interest rate contracts. TCF maintained restricted cash totaling $78.7 million and $67.8 million at June 30, 2015 and December 31, 2014 , respectively. TCF had cash held in interest-bearing accounts of $622.5 million and $842.1 million at June 30, 2015 and December 31, 2014 , respectively.

Securities Available for Sale a

Securities Available for Sale and Securities Held to Maturity	6 Months Ended
	Jun. 30, 2015
Investments, Debt and Equity Securities [Abstract]
Securities Available for Sale and Securities Held to Maturity	Securities Available for Sale and Securities Held to Maturity Securities consisted of the following. At June 30, 2015 At December 31, 2014 (Dollars in thousands) Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value Securities available for sale: Mortgage-backed securities: U.S. Government sponsored enterprises and federal agencies $ 597,166 $ 1,142 $ 6,401 $ 591,907 $ 461,575 $ 2,405 $ 741 $ 463,239 Other 45 — — 45 55 — — 55 Obligations of states and political subdivisions 37,796 40 118 37,718 — — — — Other securities 178 — — 178 — — — — Total securities available for sale $ 635,185 $ 1,182 $ 6,519 $ 629,848 $ 461,630 $ 2,405 $ 741 $ 463,294 Weighted-average yield 2.43 % 2.62 % Securities held to maturity: Mortgage-backed securities: U.S. Government sponsored enterprises and federal agencies $ 204,179 $ 4,596 $ 160 $ 208,615 $ 209,538 $ 7,988 $ 109 $ 217,417 Other securities 4,732 — — 4,732 4,916 — — 4,916 Total securities held to maturity $ 208,911 $ 4,596 $ 160 $ 213,347 $ 214,454 $ 7,988 $ 109 $ 222,333 Weighted-average yield 2.64 % 2.64 % There were no sales of securities available for sale during the six months ended June 30, 2015 . Gross realized gains of $0.8 million and $1.1 million were recognized on sales of securities available for sale during the second quarter and first six months of 2014 , respectively. At June 30, 2015 and December 31, 2014 , mortgage-backed securities with a carrying value of $7.6 million and $8.2 million , respectively, were pledged as collateral to secure certain deposits and borrowings. There were no impairment charges recognized on securities available for sale during the first six months of 2015 and 2014 . Unrealized losses on securities available for sale are due to changes in interest rates. TCF has the ability and intent to hold these investments until a recovery of fair value occurs. There were no transfers from securities available for sale to securities held to maturity during the six months ended June 30, 2015 . During the six months ended June 30, 2014 , TCF transferred $191.7 million of available for sale mortgage-backed securities to held to maturity, reflecting TCF's intent and ability to hold these securities to maturity. At June 30, 2015 and December 31, 2014 , the unrealized holding loss on the transferred securities retained in accumulated other comprehensive income (loss) totaled $15.4 million and $16.0 million , respectively. These amounts are amortized over the remaining lives of the transferred securities. Other held to maturity securities consist primarily of non-trading mortgage-backed securities and other bonds which qualify for investment credit under the Community Reinvestment Act. During the six months ended June 30, 2015 , TCF recorded an impairment charge of $0.1 million on held to maturity securities, which had a carrying value of $4.7 million . There were no impairment charges recognized on held to maturity securities during the six months ended June 30, 2014 . The following tables show the gross unrealized losses and fair value of securities available for sale and securities held to maturity at June 30, 2015 and December 31, 2014 , aggregated by investment category and the length of time the securities were in a continuous loss position. At June 30, 2015 Less than 12 months 12 months or more Total (In thousands) Fair Value Unrealized Losses Fair Value Unrealized Losses Fair Value Unrealized Losses Securities available for sale: Mortgage-backed securities: U.S. Government sponsored enterprises and federal agencies $ 455,069 $ 6,401 $ — $ — $ 455,069 $ 6,401 Obligations of states and political subdivisions 24,132 118 — — 24,132 118 Total securities available for sale $ 479,201 $ 6,519 $ — $ — $ 479,201 $ 6,519 Securities held to maturity: Mortgage-backed securities: U.S. Government sponsored enterprises and federal agencies $ 5,521 $ 83 $ 987 $ 77 $ 6,508 $ 160 Total securities held to maturity $ 5,521 $ 83 $ 987 $ 77 $ 6,508 $ 160 At December 31, 2014 Less than 12 months 12 months or more Total (In thousands) Fair Value Unrealized Losses Fair Value Unrealized Losses Fair Value Unrealized Losses Securities available for sale: Mortgage-backed securities: U.S. Government sponsored enterprises and federal agencies $ — $ — $ 198,550 $ 741 $ 198,550 $ 741 Total securities available for sale $ — $ — $ 198,550 $ 741 $ 198,550 $ 741 Securities held to maturity: Mortgage-backed securities: U.S. Government sponsored enterprises and federal agencies $ 2,602 $ 109 $ — $ — $ 2,602 $ 109 Total securities held to maturity $ 2,602 $ 109 $ — $ — $ 2,602 $ 109 The amortized cost, fair value and yield of securities available for sale and securities held to maturity by contractual maturity at June 30, 2015 and December 31, 2014 are shown below. The remaining contractual principal maturities do not consider possible prepayments. Remaining expected maturities will differ from contractual maturities because borrowers may have the right to prepay. Yields on securities have not been adjusted for tax exempt status. At June 30, 2015 At December 31, 2014 (Dollars in thousands) Amortized Cost Fair Value Yield Amortized Cost Fair Value Yield Securities available for sale: Due in one year or less $ 7 $ 7 9.65 % $ 4 $ 4 11.63 % Due in 1-5 years 51 51 3.30 76 76 4.53 Due in 5-10 years 116,458 116,849 2.03 86,806 87,594 1.93 Due after 10 years 518,491 512,763 2.52 374,744 375,620 2.78 No stated maturity 178 178 — — — — Total securities available for sale $ 635,185 $ 629,848 2.43 $ 461,630 $ 463,294 2.62 Securities held to maturity: Due in one year or less $ — $ — — % $ 500 $ 500 2.00 % Due in 1-5 years 1,500 1,500 2.80 2,500 2,500 3.08 Due in 5-10 years 1,900 1,900 3.00 400 400 3.00 Due after 10 years 205,511 209,947 2.64 211,054 218,933 2.64 Total securities held to maturity $ 208,911 $ 213,347 2.64 $ 214,454 $ 222,333 2.64

Loans and Leases

Loans and Leases	6 Months Ended
	Jun. 30, 2015
Receivables [Abstract]
Loans and Leases	Loans and Leases Loans and leases consisted of the following. (Dollars in thousands) At June 30, 2015 At December 31, 2014 Percent Change Consumer real estate: First mortgage lien $ 2,865,911 $ 3,139,152 (8.7 )% Junior lien 2,678,118 2,543,212 5.3 Total consumer real estate 5,544,029 5,682,364 (2.4 ) Commercial: Commercial real estate: Permanent 2,230,554 2,382,144 (6.4 ) Construction and development 305,240 242,111 26.1 Total commercial real estate 2,535,794 2,624,255 (3.4 ) Commercial business 576,550 533,410 8.1 Total commercial 3,112,344 3,157,665 (1.4 ) Leasing and equipment finance 3,791,215 3,745,322 1.2 Inventory finance 2,106,087 1,877,090 12.2 Auto finance 2,301,714 1,915,061 20.2 Other 21,852 24,144 (9.5 ) Total loans and leases (1) $ 16,877,241 $ 16,401,646 2.9 (1) Loans and leases are reported at historical cost including net direct fees and costs associated with originating and acquiring loans and leases, lease residuals, unearned income and unamortized purchase premiums and discounts. The aggregate amount of these loan and lease adjustments was $50.7 million and $43.4 million at June 30, 2015 and December 31, 2014 , respectively. The consumer real estate junior lien portfolio was comprised of $2.3 billion of home equity lines of credit ("HELOCs") and $383.2 million of amortizing junior lien mortgage loans at June 30, 2015 , compared with $2.1 billion and $424.4 million at December 31, 2014 , respectively. At June 30, 2015 and December 31, 2014 , $1.6 billion and $1.3 billion , respectively, of the consumer real estate junior lien HELOCs had a 10 -year interest-only draw period and a 20 -year amortization repayment period and all were within the 10-year interest-only draw period and will not convert to amortizing loans until 2021 or later. At June 30, 2015 and December 31, 2014 , $733.7 million and $816.0 million , respectively, of the consumer real estate junior lien HELOCs were interest-only revolving draw loans with no defined amortization period and original draw periods of 5 to 40 years. As of June 30, 2015 , 18.3% of these loans mature prior to 2021. During the six months ended June 30, 2015 and 2014 , TCF sold $639.9 million and $481.9 million , respectively, of consumer auto loans with servicing retained, received cash of $664.3 million and $492.1 million , respectively, and recognized net gains of $17.9 million and $16.2 million , respectively. Related to these sales, TCF retained interest-only strips of $0 and $8.2 million for the six months ended June 30, 2015 and 2014 , respectively. Total interest-only strips related to sales of auto loans totaled $35.2 million and $48.6 million at June 30, 2015 and December 31, 2014 , respectively. TCF recorded impairment charges on these interest-only strips of $0.5 million and $1.2 million during the six months ended June 30, 2015 and 2014 , respectively, primarily as a result of higher prepayments than originally assumed. Contractual liabilities related to sales of auto loans totaled $0.4 million and $0.7 million at June 30, 2015 and December 31, 2014 , respectively. No servicing assets or liabilities related to consumer auto loans were recorded within TCF's Consolidated Statements of Financial Condition, as the contractual servicing fees are adequate to compensate TCF for its servicing responsibilities based on the amount demanded by the marketplace. TCF's managed auto loan portfolio, which includes portfolio loans, loans held for sale and loans sold and serviced for others, totaled $4.4 billion and $3.8 billion at June 30, 2015 and December 31, 2014 , respectively. In June 2015, TCF transferred consumer auto loans totaling $436.4 million with servicing retained to a trust in a securitization transaction, received cash proceeds of $453.8 million and recognized gains of $11.2 million , which qualified for sale accounting and is included in the amounts above. This trust is considered a variable interest entity due to its limited capitalization and special purpose nature, however TCF does not have a variable interest in the trust. Therefore, TCF is not the primary beneficiary of the trust and it is not consolidated. During the six months ended June 30, 2015 and 2014 , TCF sold $629.3 million and $571.6 million , respectively, of consumer real estate loans, received cash of $647.9 million and $585.4 million , respectively, and recognized net gains of $20.0 million and $19.7 million , respectively. Included in the consumer real estate loans sold was $136.3 million of first mortgage loans related to the correspondent lending program during the first six months of 2015 , resulting in net gains of $3.0 million during the same period. There were no loans sold related to the correspondent lending program during the first six months of 2014 . The majority of consumer real estate loans sold are junior lien loans. Related to the sales of consumer real estate loans, TCF retained interest-only strips of $4.2 million and $9.1 million for the six months ended June 30, 2015 and 2014 , respectively. Total interest-only strips related to sales of consumer real estate loans totaled $20.7 million and $21.2 million at June 30, 2015 and December 31, 2014 , respectively. TCF had no impairment charges on these interest-only strips for the six months ended June 30, 2015 and 2014 . Contractual liabilities related to sales of consumer real estate loans totaled $0.8 million and $0.6 million at June 30, 2015 and December 31, 2014 , respectively. No servicing assets or liabilities related to consumer real estate loans were recorded within TCF's Consolidated Statements of Financial Condition, as the contractual servicing fees are adequate to compensate TCF for its servicing responsibilities based on the amount demanded by the marketplace. TCF's managed consumer real estate loan portfolio, which includes portfolio loans, loans held for sale and loans sold and serviced for others, totaled $7.2 billion and $7.1 billion at June 30, 2015 and December 31, 2014 , respectively. TCF's agreements to sell auto and consumer real estate loans typically contain certain representations and warranties regarding the loans sold. These representations and warranties generally relate to, among other things, the ownership of the loan, the validity, priority and perfection of the lien securing the loan, accuracy of information supplied to the buyer, the loan's compliance with the criteria set forth in the agreement, payment delinquency and compliance with applicable laws and regulations. TCF may be required to repurchase loans in the event of an unremedied breach of these representations or warranties. During the six months ended June 30, 2015 and 2014 , losses related to repurchases pursuant to such representations and warranties were immaterial. The majority of such repurchases were of consumer auto loans where TCF typically has contractual agreements with the automobile dealerships that originated the loans requiring the dealers to repurchase such contracts from TCF.

Allowance for Loan and Lease Lo

Allowance for Loan and Lease Losses and Credit Quality Information	6 Months Ended
	Jun. 30, 2015
Allowance for Loan and Lease Losses and Credit Quality Information
Allowance for Loan and Lease Losses and Credit Quality Information	Allowance for Loan and Lease Losses and Credit Quality Information The following tables provide the allowance for loan and lease losses and other related information. TCF's key credit quality indicator is the receivable's payment performance status, defined as accruing or non-accruing. (In thousands) Consumer Commercial Leasing and Inventory Auto Other Total At or For the Three Months Ended June 30, 2015: Balance, beginning of period $ 80,292 $ 32,121 $ 17,921 $ 12,409 $ 20,426 $ 630 $ 163,799 Charge-offs (11,558 ) (2,581 ) (1,988 ) (821 ) (4,388 ) (1,648 ) (22,984 ) Recoveries 1,869 967 518 198 728 1,226 5,506 Net (charge-offs) recoveries (9,689 ) (1,614 ) (1,470 ) (623 ) (3,660 ) (422 ) (17,478 ) Provision for credit losses 5,061 (302 ) 1,218 (951 ) 7,096 406 12,528 Other (977 ) — — 44 (1,801 ) — (2,734 ) Balance, end of period $ 74,687 $ 30,205 $ 17,669 $ 10,879 $ 22,061 $ 614 $ 156,115 At or For the Three Months Ended June 30, 2014: Balance, beginning of period $ 169,367 $ 36,062 $ 18,623 $ 10,309 $ 12,062 $ 623 $ 247,046 Charge-offs (13,012 ) (3,721 ) (1,875 ) (183 ) (2,191 ) (1,993 ) (22,975 ) Recoveries 1,555 244 902 76 358 1,485 4,620 Net (charge-offs) recoveries (11,457 ) (3,477 ) (973 ) (107 ) (1,833 ) (508 ) (18,355 ) Provision for credit losses 4,106 (1,168 ) 1,534 (752 ) 5,521 668 9,909 Other (667 ) (56 ) — 89 (1,885 ) — (2,519 ) Balance, end of period $ 161,349 $ 31,361 $ 19,184 $ 9,539 $ 13,865 $ 783 $ 236,081 (In thousands) Consumer Commercial Leasing and Inventory Auto Other Total At or For the Six Months Ended June 30, 2015: Balance, beginning of period $ 85,361 $ 31,367 $ 18,446 $ 10,020 $ 18,230 $ 745 $ 164,169 Charge-offs (20,764 ) (3,457 ) (3,864 ) (1,349 ) (8,349 ) (3,325 ) (41,108 ) Recoveries 3,794 2,364 1,503 307 1,338 2,787 12,093 Net (charge-offs) recoveries (16,970 ) (1,093 ) (2,361 ) (1,042 ) (7,011 ) (538 ) (29,015 ) Provision for credit losses 7,880 (69 ) 1,584 2,081 13,436 407 25,319 Other (1,584 ) — — (180 ) (2,594 ) — (4,358 ) Balance, end of period $ 74,687 $ 30,205 $ 17,669 $ 10,879 $ 22,061 $ 614 $ 156,115 At or For the Six Months Ended June 30, 2014: Balance, beginning of period $ 176,030 $ 37,467 $ 18,733 $ 8,592 $ 10,623 $ 785 $ 252,230 Charge-offs (27,567 ) (5,366 ) (3,410 ) (350 ) (4,724 ) (3,895 ) (45,312 ) Recoveries 3,407 379 1,688 377 615 3,075 9,541 Net (charge-offs) recoveries (24,160 ) (4,987 ) (1,722 ) 27 (4,109 ) (820 ) (35,771 ) Provision for credit losses 11,185 (1,048 ) 2,173 925 10,348 818 24,401 Other (1,706 ) (71 ) — (5 ) (2,997 ) — (4,779 ) Balance, end of period $ 161,349 $ 31,361 $ 19,184 $ 9,539 $ 13,865 $ 783 $ 236,081 The following tables provide information regarding the allowance for loan and lease losses and balances by type of allowance methodology. At June 30, 2015 (In thousands) Consumer Real Estate Commercial Leasing and Equipment Finance Inventory Finance Auto Finance Other Total Allowance for loan and lease losses: Collectively evaluated for impairment $ 48,378 $ 29,725 $ 16,196 $ 10,653 $ 20,313 $ 610 $ 125,875 Individually evaluated for impairment 26,309 480 1,473 226 1,748 4 30,240 Total $ 74,687 $ 30,205 $ 17,669 $ 10,879 $ 22,061 $ 614 $ 156,115 Loans and leases outstanding: Collectively evaluated for impairment $ 5,325,743 $ 3,028,092 $ 3,778,547 $ 2,103,188 $ 2,295,235 $ 21,833 $ 16,552,638 Individually evaluated for impairment 218,286 84,252 12,590 2,899 6,438 19 324,484 Loans acquired with deteriorated credit quality — — 78 — 41 — 119 Total $ 5,544,029 $ 3,112,344 $ 3,791,215 $ 2,106,087 $ 2,301,714 $ 21,852 $ 16,877,241 At December 31, 2014 (In thousands) Consumer Real Estate Commercial Leasing and Equipment Finance Inventory Finance Auto Finance Other Total Allowance for loan and lease losses: Collectively evaluated for impairment $ 57,167 $ 27,594 $ 16,310 $ 9,627 $ 17,046 $ 741 $ 128,485 Individually evaluated for impairment 28,194 3,773 2,136 393 1,184 4 35,684 Total $ 85,361 $ 31,367 $ 18,446 $ 10,020 $ 18,230 $ 745 $ 164,169 Loans and leases outstanding: Collectively evaluated for impairment $ 5,462,005 $ 3,038,378 $ 3,731,420 $ 1,874,481 $ 1,911,267 $ 24,055 $ 16,041,606 Individually evaluated for impairment 220,359 119,287 13,763 2,609 3,676 89 359,783 Loans acquired with deteriorated credit quality — — 139 — 118 — 257 Total $ 5,682,364 $ 3,157,665 $ 3,745,322 $ 1,877,090 $ 1,915,061 $ 24,144 $ 16,401,646 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 June 30, 2015 (In thousands) Current-59 Days Delinquent and Accruing 60-89 Days Delinquent and Accruing 90 Days or More Delinquent and Accruing Total Accruing Non-accrual Total Consumer real estate: First mortgage lien $ 2,724,576 $ 9,033 $ 1,207 $ 2,734,816 $ 131,095 $ 2,865,911 Junior lien 2,639,364 1,995 — 2,641,359 36,759 2,678,118 Total consumer real estate 5,363,940 11,028 1,207 5,376,175 167,854 5,544,029 Commercial: Commercial real estate 2,519,036 — — 2,519,036 16,758 2,535,794 Commercial business 576,195 1 — 576,196 354 576,550 Total commercial 3,095,231 1 — 3,095,232 17,112 3,112,344 Leasing and equipment finance 3,776,725 2,147 274 3,779,146 11,440 3,790,586 Inventory finance 2,103,096 45 50 2,103,191 2,896 2,106,087 Auto finance 2,292,800 1,735 732 2,295,267 6,405 2,301,672 Other 21,824 12 13 21,849 3 21,852 Subtotal 16,653,616 14,968 2,276 16,670,860 205,710 16,876,570 Portfolios acquired with deteriorated credit quality 668 — 3 671 — 671 Total $ 16,654,284 $ 14,968 $ 2,279 $ 16,671,531 $ 205,710 $ 16,877,241 At December 31, 2014 (In thousands) Current-59 Days Delinquent and Accruing 60-89 Days Delinquent and Accruing 90 Days or More Delinquent and Accruing Total 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 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. Three Months Ended Six Months Ended (In thousands) 2015 2014 2015 2014 Contractual interest due on non-accrual loans and leases $ 5,341 $ 6,359 $ 10,564 $ 13,549 Interest income recognized on non-accrual loans and leases 986 2,395 2,298 3,904 Unrecognized interest income $ 4,355 $ 3,964 $ 8,266 $ 9,645 The following table provides information regarding consumer real estate loans to customers currently involved in ongoing Chapter 7 or Chapter 13 bankruptcy proceedings which have not yet been discharged. (In thousands) At June 30, 2015 At December 31, 2014 Consumer real estate loans to customers in bankruptcy: 0-59 days delinquent and accruing $ 33,726 $ 47,731 60+ days delinquent and accruing — 247 Non-accrual 19,006 12,284 Total consumer real estate loans to customers in bankruptcy $ 52,732 $ 60,262 Loan Modifications for Borrowers with Financial Difficulties Included within loans and leases in the previous tables are certain loans that have been modified in order to maximize collection of loan balances. If, for economic or legal reasons related to the customer's financial difficulties, TCF grants a concession, the modified loan is classified as a troubled debt restructuring ("TDR") loan. TDR loans consist primarily of consumer real estate and commercial loans. Total TDR loans at June 30, 2015 and December 31, 2014 were $256.9 million and $298.5 million , respectively, of which $155.8 million and $193.8 million were accruing. TCF held consumer real estate TDR loans of $194.6 million and $199.6 million at June 30, 2015 and December 31, 2014 , respectively, of which $110.3 million and $111.9 million were accruing. TCF also held $54.2 million and $91.6 million of commercial TDR loans at June 30, 2015 and December 31, 2014 , respectively, of which $44.5 million and $80.4 million were accruing. TDR loans for the remaining classes of finance receivables were not material at June 30, 2015 or December 31, 2014 . The amount of unfunded commitments to commercial and consumer real estate loans classified as TDRs was $1.9 million and $3.9 million at June 30, 2015 and December 31, 2014 , respectively. At June 30, 2015 and December 31, 2014 , no additional funds were committed to leasing and equipment finance, inventory finance or auto finance loans classified as TDRs. When a loan is modified as a TDR, principal balances are generally not forgiven. Loan modifications to troubled borrowers are not reported as TDR loans in the calendar year after modification if the loans were modified at an interest rate equal to the yields of new loan originations with comparable risk and the loans are performing based on the terms of the restructured agreements. All loans classified as TDR loans are considered to be impaired. During the six months ended June 30, 2015 and 2014 , $9.0 million and $11.1 million , respectively, of commercial loans were removed from TDR status as they were restructured at market terms and are performing. The financial effects of TDR loans 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, or foregone interest income. For the three months ended June 30, 2015 , foregone interest income for consumer real estate first mortgage lien accruing TDR loans and consumer real estate junior lien accruing TDR loans was $0.6 million and $0.2 million , respectively. The average yield for the same period on consumer real estate accruing TDR loans was 4.1% , which compares to the original contractual average rate of 6.7% . For the three months ended June 30, 2014 , foregone interest income for consumer real estate first mortgage lien accruing TDR loans and consumer real estate junior lien accruing TDR loans was $4.3 million and $0.3 million , respectively. The average yield for the same period on consumer real estate accruing TDR loans was 3.3% , which compares to the original contractual average rate of 6.8% . The foregone interest income for the remaining classes of finance receivables was not material for the three months ended June 30, 2015 and 2014 . For the six months ended June 30, 2015 , foregone interest income for consumer real estate first mortgage lien accruing TDR loans and consumer real estate junior lien accruing TDR loans was $1.1 million and $0.4 million , respectively. The average yield for the same period on consumer real estate accruing TDR loans was 4.0% , which compares to the original contractual average rate of 6.6% . For the six months ended June 30, 2014 , foregone interest income for consumer real estate first mortgage lien accruing TDR loans and consumer real estate junior lien accruing TDR loans was $8.6 million and $0.6 million , respectively. The average yield for the same period on consumer real estate accruing TDR loans was 3.3% , which compares to the original contractual average rate of 6.8% . The foregone interest income for the remaining classes of finance receivables was not material for the six months ended June 30, 2015 and 2014 . The table below summarizes TDR loans that defaulted during the three and six months ended June 30, 2015 and 2014 , which were modified during the respective reporting period or within one year of the beginning of the respective reporting period. TCF considers a loan to have defaulted when it becomes 90 or more days delinquent under the modified terms, has been transferred to non-accrual status subsequent to the modification or has been transferred to other real estate owned or repossessed and returned assets. Three Months Ended June 30, Six Months Ended June 30, (Dollars in thousands) 2015 2014 2015 2014 Loan balance: (1) Consumer real estate: First mortgage lien $ 1,054 $ 561 $ 1,297 $ 2,056 Junior lien 197 662 486 1,642 Total consumer real estate 1,251 1,223 1,783 3,698 Commercial real estate — 1,023 — 3,814 Inventory finance — 7 — 7 Auto finance 202 66 383 125 Defaulted TDR loans modified during the applicable period $ 1,453 $ 2,319 $ 2,166 $ 7,644 Total TDR loans modified in the applicable period $ 71,641 $ 136,171 $ 78,986 $ 248,273 Defaulted modified TDR loans as a percent of total TDR loans modified in the applicable period 2.0 % 1.7 % 2.7 % 3.1 % (1) The loan balances presented are not materially different than the pre-modification loan balances as TCF's loan modifications generally do not forgive principal amounts. Consumer real estate TDR loans are evaluated separately in TCF's allowance methodology. Impairment is generally based upon the present value of the expected future cash flows or the fair value of the collateral less selling expenses for collateral dependent loans. The allowance on accruing consumer real estate TDR loans was $20.3 million , or 18.4% of the outstanding balance, at June 30, 2015 , and $20.4 million , or 18.2% of the outstanding balance, at December 31, 2014 . In determining impairment for consumer real estate accruing TDR loans, TCF utilized assumed remaining re-default rates ranging from 6% to 20% in 2015 and 4% to 22% in 2014 , depending on modification type and actual experience. At June 30, 2015 , 1.5% of accruing consumer real estate TDR loans were more than 60 days delinquent, compared with 2.4% at December 31, 2014 . Consumer real estate TDR loans generally remain on accruing status following modification if they are less than 90 days past due and payment in full under the modified terms of the loan is expected based on a current credit evaluation and historical payment performance. Of the non-accrual TDR balance at June 30, 2015 , $52.8 million , or 62.6% , were loans discharged in Chapter 7 bankruptcy that were not reaffirmed by the borrower, of which 73.8% were current. Of the non-accrual TDR balance at December 31, 2014 , $50.0 million , or 57.0% , were loans discharged in Chapter 7 bankruptcy that were not reaffirmed, of which 68.4% were current. All eligible loans are re-aged to current delinquency status upon modification. Commercial TDR loans are individually evaluated for impairment based upon the present value of the expected future cash flows, or for collateral dependent loans, at the fair value of collateral less selling expense. The allowance on accruing commercial TDR loans was $0.1 million , or 0.3% of the outstanding balance, at June 30, 2015 , and $1.4 million , or 1.7% of the outstanding balance, at December 31, 2014 . No accruing commercial TDR loans were 60 days or more delinquent at June 30, 2015 and December 31, 2014 . Impaired Loans TCF considers impaired loans to include non-accrual commercial loans, non-accrual equipment finance loans and non-accrual inventory finance loans, as well as all TDR loans. Non-accrual impaired loans, including non-accrual TDR loans, are included in non-accrual loans and leases within the previous tables. Accruing TDR loans have been disclosed by delinquency status within the previous tables of accruing and non-accrual loans and leases. In the following tables, the loan balance of impaired loans represents the amount recorded within loans and leases on the Consolidated Statements of Financial Condition, whereas the unpaid contractual balance represents the balances legally owed by the borrowers. The following table summarizes impaired loans. At June 30, 2015 At December 31, 2014 (In thousands) Unpaid Loan Related Unpaid Loan Related Impaired loans with an allowance recorded: Consumer real estate: First mortgage lien $ 152,706 $ 127,790 $ 19,260 $ 114,526 $ 101,668 $ 18,140 Junior lien 72,801 61,225 7,028 65,413 55,405 9,427 Total consumer real estate 225,507 189,015 26,288 179,939 157,073 27,567 Commercial: Commercial real estate 23,692 20,493 477 58,157 54,412 3,772 Commercial business 21 19 3 18 18 1 Total commercial 23,713 20,512 480 58,175 54,430 3,773 Leasing and equipment finance 6,179 6,179 646 8,257 8,257 1,457 Inventory finance 2,436 2,439 226 1,754 1,758 393 Auto finance 4,596 4,431 1,673 3,074 2,928 1,184 Other 17 19 4 92 89 4 Total impaired loans with an allowance recorded 262,448 222,595 29,317 251,291 224,535 34,378 Impaired loans without an allowance recorded: Consumer real estate: First mortgage lien 9,542 5,568 — 53,606 35,147 — Junior lien 25,635 20 — 33,796 7,398 — Total consumer real estate 35,177 5,588 — 87,402 42,545 — Commercial: Commercial real estate 46,538 40,743 — 57,809 50,500 — Commercial business 354 354 — 482 480 — Total commercial 46,892 41,097 — 58,291 50,980 — Inventory finance 456 460 — 848 851 — Auto finance 2,108 1,198 — 1,484 748 — Total impaired loans without an allowance recorded 84,633 48,343 — 148,025 95,124 — Total impaired loans $ 347,081 $ 270,938 $ 29,317 $ 399,316 $ 319,659 $ 34,378 The average loan balance of impaired loans and interest income recognized on impaired loans during the three and six months ended June 30, 2015 and 2014 are included within the table below. Three Months Ended Six Months Ended June 30, 2015 June 30, 2014 June 30, 2015 June 30, 2014 (In thousands) Average Loan Balance Interest Income Recognized Average Loan Balance Interest Income Recognized Average Loan Balance Interest Income Recognized Average Loan Balance Interest Income Recognized Impaired loans with an allowance recorded: Consumer real estate: First mortgage lien $ 115,432 $ 1,340 $ 518,048 $ 3,879 $ 114,729 $ 2,458 $ 518,031 $ 7,632 Junior lien 58,827 788 72,968 885 58,315 1,540 72,689 1,793 Total consumer real estate 174,259 2,128 591,016 4,764 173,044 3,998 590,720 9,425 Commercial: Commercial real estate 28,140 212 61,985 617 37,452 603 65,179 1,237 Commercial business 18 — 2,245 — 19 — 3,012 — Total commercial 28,158 212 64,230 617 37,471 603 68,191 1,237 Leasing and equipment finance 7,066 2 7,955 46 7,218 8 8,249 52 Inventory finance 5,516 42 904 42 2,099 49 4,009 71 Auto finance 3,980 — 670 — 3,680 — 571 — Other 19 1 85 2 53 1 90 3 Total impaired loans with an allowance recorded 218,998 2,385 664,860 5,471 223,565 4,659 671,830 10,788 Impaired loans without an allowance recorded: Consumer real estate: First mortgage lien 19,115 322 38,552 420 20,358 781 40,996 735 Junior lien 3,266 541 3,497 272 3,709 995 3,600 539 Total consumer real estate 22,381 863 42,049 692 24,067 1,776 44,596 1,274 Commercial: Commercial real estate 42,003 372 69,766 646 45,622 1,167 73,508 1,438 Commercial business 404 5 6,620 42 417 5 6,122 77 Total commercial 42,407 377 76,386 688 46,039 1,172 79,630 1,515 Inventory finance 662 43 772 35 655 55 566 45 Auto finance 1,077 — 492 — 973 — 398 — Total impaired loans without an allowance recorded 66,527 1,283 119,699 1,415 71,734 3,003 125,190 2,834 Total impaired loans $ 285,525 $ 3,668 $ 784,559 $ 6,886 $ 295,299 $ 7,662 $ 797,020 $ 13,622

Deposits

Deposits	6 Months Ended
	Jun. 30, 2015
Deposits [Abstract]
Deposits	Deposits Deposits consisted of the following. At June 30, 2015 At December 31, 2014 (Dollars in thousands) Weighted-Average Rate Amount % of Total Weighted-Average Rate Amount % of Checking: Non-interest bearing — % $ 3,007,406 19.0 % — % $ 2,832,526 18.3 % Interest bearing 0.02 2,368,412 15.0 0.04 2,362,717 15.3 Total checking 0.01 5,375,818 34.0 0.02 5,195,243 33.6 Savings 0.08 4,968,398 31.4 0.15 5,212,320 33.7 Money market 0.64 2,286,773 14.4 0.54 1,993,130 13.0 Total checking, savings and money market 0.14 12,630,989 79.8 0.13 12,400,693 80.3 Certificates of deposit 0.85 3,196,230 20.2 0.78 3,049,189 19.7 Total deposits 0.28 $ 15,827,219 100.0 % 0.26 $ 15,449,882 100.0 % Certificates of deposit had the following remaining maturities at June 30, 2015 . (In thousands) Denominations $100 Thousand or Greater Denominations Less Than $100 Thousand Total Maturity: 0-3 months $ 138,773 $ 240,910 $ 379,683 4-6 months 223,143 303,873 527,016 7-12 months 610,228 690,992 1,301,220 13-24 months 396,800 479,018 875,818 Over 24 months 65,596 46,897 112,493 Total $ 1,434,540 $ 1,761,690 $ 3,196,230

Short-term Borrowings

Short-term Borrowings	6 Months Ended
	Jun. 30, 2015
Debt Disclosure [Abstract]
Short-term Borrowings	Short-term Borrowings Selected information for short-term borrowings (borrowings with an original maturity of less than one year) consisted of the following. At June 30, 2015 At December 31, 2014 (Dollars in thousands) Amount Rate Amount Rate Period end balance: Securities sold under repurchase agreements $ 3,303 0.10 % $ 4,425 0.10 % Line of Credit - TCF Commercial Finance Canada, Inc. 4,002 1.90 — — Total $ 7,305 1.09 $ 4,425 0.10 Average daily balances for the year to date period ended: Federal Home Loan Bank advances $ — — % $ 74,385 0.26 % Federal funds purchased 254 0.43 375 0.40 Securities sold under repurchase agreements 5,517 0.21 5,956 0.18 Line of Credit - TCF Commercial Finance Canada, Inc. 2,353 2.06 2,957 1.88 Total $ 8,124 0.75 $ 83,673 0.31 Maximum month-end balances for the year to date period ended: Federal Home Loan Bank advances $ — N.A. $ 250,000 N.A. Securities sold under repurchase agreements 3,495 N.A. 4,425 N.A. Line of Credit - TCF Commercial Finance Canada, Inc. 5,519 N.A. 11,751 N.A. N.A. Not Applicable. At June 30, 2015 , the securities sold under short-term repurchase agreements were related to TCF Bank's Repurchase Investment Sweep Agreement product and were collateralized by mortgage-backed securities having a fair value of $6.4 million .

Long-term Borrowings

Long-term Borrowings	6 Months Ended
	Jun. 30, 2015
Debt Disclosure [Abstract]
Long-term Borrowings	Long-term Borrowings Long-term borrowings consisted of the following. At June 30, 2015 At December 31, 2014 (Dollars in thousands) Stated Maturity Amount Stated Rate Amount Stated Rate Federal Home Loan Bank advances 2015 $ 125,000 0.37 % - 0.38 % 2016 $ 447,000 0.36 % - 1.17 % 547,000 0.25 - 1.17 2017 325,000 0.23 - 0.24 275,000 0.25 Subtotal 772,000 947,000 Subordinated bank notes 2016 74,962 5.50 74,930 5.50 2022 109,238 6.25 109,194 6.25 2025 149,088 4.60 — — Hedge-related basis adjustment (1) (3,563 ) — Subtotal 329,725 184,124 Discounted lease rentals 2015 19,630 2.39 - 7.95 32,904 2.39 - 7.95 2016 35,165 2.39 - 7.95 27,539 2.39 - 7.95 2017 28,470 2.45 - 7.95 20,580 2.45 - 7.95 2018 14,879 2.53 - 7.95 9,032 2.63 - 7.95 2019 5,070 2.53 - 5.05 2,589 2.63 - 5.05 2020 324 3.04 - 4.57 160 4.57 2021 83 4.57 83 4.57 Subtotal 103,621 92,887 Other long-term 2015 2,670 1.36 2016 2,648 1.36 2,642 1.36 2017 2,742 1.36 2,742 1.36 Subtotal 5,390 8,054 Total long-term borrowings $ 1,210,736 $ 1,232,065 (1) Related to subordinated bank notes with a stated maturity of 2025 at June 30, 2015 . At June 30, 2015 , TCF Bank had pledged loans secured by residential and commercial real estate and Federal Home Loan Bank ("FHLB") stock with an aggregate carrying value of $4.9 billion as collateral for FHLB advances. At June 30, 2015 , $325.0 million of FHLB advances outstanding were prepayable monthly at TCF's option. On February 27, 2015, TCF Bank issued $150.0 million of subordinated notes due February 27, 2025 with a fixed-rate coupon of 4.60% per annum (the "2025 Notes"), at a price to investors of 99.375% . In addition, TCF Bank incurred issuance costs of $1.4 million . Both the discount and issuance costs are amortized as interest expense over the respective term of the notes using the effective interest method. Interest is payable semi-annually, in arrears, on February 27 and August 27, commencing August 27, 2015. Simultaneously, TCF Bank entered into an interest rate swap with a total notional amount of $150.0 million designated as a fair value hedge of the 2025 Notes. See Note 12 of Notes to Consolidated Financial Statements, Derivative Instruments , for additional information regarding the interest rate swap.

Regulatory Capital Requirements

Regulatory Capital Requirements	6 Months Ended
	Jun. 30, 2015
Regulatory Capital Requirements [Abstract]
Regulatory Capital Requirements	Regulatory Capital Requirements TCF and TCF Bank are subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory, and possible additional discretionary, actions by the federal banking agencies that could have a material adverse effect on TCF. In general, TCF Bank may not declare or pay a dividend to TCF Financial in excess of 100% of its net retained profits for the current year combined with its net retained profits for the preceding two calendar years, which was $395.9 million at June 30, 2015 , without prior approval of the Office of the Comptroller of the Currency ("OCC"). TCF Bank's ability to make capital distributions in the future may require regulatory approval and may be restricted by its regulatory authorities. TCF Bank's ability to make any such distributions will also depend on its earnings and ability to meet minimum regulatory capital requirements in effect during future periods. These capital adequacy standards may be higher in the future than existing minimum regulatory capital requirements. The following table presents regulatory capital information for TCF and TCF Bank. Information presented for June 30, 2015 reflects the transition to the Basel III capital standard from previous regulatory capital adequacy guidelines under the Basel I framework. The Basel III capital standard phases in through 2019 and revises the definition of capital, increases minimum capital ratios, introduces regulatory capital buffers above those minimums, introduces a common equity Tier 1 capital ratio and revises the rules for calculating risk-weighted assets. Banks that are not advanced approaches institutions may make a one-time election to opt out of the requirement to include components of accumulated other comprehensive income (loss) in common equity Tier 1 capital. TCF has elected to opt-out of the accumulated other comprehensive income (loss) requirement. TCF TCF Bank (Dollars in thousands) June 30, 2015 December 31, 2014 June 30, 2015 December 31, 2014 Well-capitalized Standard Minimum Capital Requirement Regulatory Capital: Common equity Tier 1 capital $ 1,732,437 N.A. $ 1,912,587 N.A. Tier 1 capital 2,013,347 $ 1,919,887 1,932,098 $ 1,836,019 Total capital 2,407,268 2,209,999 2,349,196 2,126,131 Regulatory Capital Ratios: Common equity Tier 1 capital ratio 9.97 % N.A 11.01 % N.A. 6.50 % 4.50 % Tier 1 risk-based capital ratio 11.59 11.76 % 11.13 11.25 % 8.00 6.00 Total risk-based capital ratio 13.86 13.54 13.53 13.03 10.00 8.00 Tier 1 leverage ratio 10.22 10.07 9.81 9.63 5.00 4.00 N.A. Not Applicable.

Stock Compensation

Stock Compensation	6 Months Ended
	Jun. 30, 2015
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
Stock Compensation	Stock Compensation The following table reflects TCF's restricted stock and stock option transactions under the TCF Financial Incentive Stock Program and TCF Financial 2015 Omnibus Incentive Plan during the six months ended June 30, 2015 . Restricted Stock Stock Options Shares Price Range Weighted- Average Grant Date Fair Value Shares Price Range Weighted- Average Remaining Contractual Life in Years Weighted- Average Exercise Price Outstanding at December 31, 2014 2,858,494 $ 6.16 - $ 16.02 $ 12.73 1,579,000 $ 12.85 - $ 15.75 2.98 $ 13.91 Granted 680,933 14.17 - 16.28 14.44 — — - — — — Exercised — — - — — (200,000 ) 12.85 - 12.85 — 12.85 Forfeited/canceled (129,747 ) 6.80 - 15.96 13.18 — — - — — — Vested (188,944 ) 9.65 - 15.96 13.10 — — - — — — Outstanding at June 30, 2015 3,220,736 6.16 - 16.28 13.05 1,379,000 12.85 - 15.75 2.67 14.07 Exercisable at June 30, 2015 N.A. N.A. 1,379,000 12.85 - 15.75 14.07 N.A. Not Applicable. Unrecognized stock compensation expense for restricted stock awards and options was $26.9 million , excluding estimated forfeitures, with a weighted-average remaining amortization period of 2.6 years at June 30, 2015 . At June 30, 2015 , there were 1,100,000 shares of performance-based restricted stock outstanding that will vest only if certain return on asset goals and service conditions are achieved. Failure to achieve the performance and service conditions will result in all or a portion of the shares being forfeited. Valuation and related assumption information for TCF's stock option plans related to options issued in 2008 have not changed from December 31, 2014 and no stock options were subsequently issued through June 30, 2015 . In April 2015, TCF stockholders approved the TCF Financial 2015 Omnibus Incentive Plan, which replaces the Incentive Stock Program. This plan authorized new performance-based restricted stock units to certain executives that were approved by the Compensation Committee of the TCF Board of Directors. The performance-based restricted stock units are subject to TCF’s relative total stockholder return for the period beginning January 1, 2015 through December 31, 2017, as measured against the peer group, which includes all publicly-traded banks and thrift institutions with assets between $10.0 billion and $50.0 billion as of September 30, 2014, excluding peers which do not remain publicly traded for the full three -year performance period. The number of restricted stock units granted was 71,404 at target and the actual restricted stock units granted will depend on actual performance with a maximum total payout of 150% of target.

Employee Benefit Plans

Employee Benefit Plans	6 Months Ended
	Jun. 30, 2015
Compensation and Retirement Disclosure [Abstract]
Employee Benefit Plans	Employee Benefit Plans The following tables set forth the net periodic benefit plan (income) cost included in compensation and employee benefits expense for the TCF Cash Balance Pension Plan (the "Pension Plan") and health care benefits for eligible retired employees (the "Postretirement Plan") for the three and six months ended June 30, 2015 and 2014 . Pension Plan Three Months Ended June 30, Six Months Ended June 30, (In thousands) 2015 2014 2015 2014 Interest cost $ 304 $ 397 $ 608 $ 794 Return on plan assets (160 ) (183 ) (320 ) (366 ) Net periodic benefit plan (income) cost $ 144 $ 214 $ 288 $ 428 Postretirement Plan Three Months Ended June 30, Six Months Ended June 30, (In thousands) 2015 2014 2015 2014 Interest cost $ 38 $ 50 $ 76 $ 99 Amortization of prior service cost (11 ) (11 ) (23 ) (23 ) Net periodic benefit plan (income) cost $ 27 $ 39 $ 53 $ 76 TCF made no cash contributions to the Pension Plan in either of the six months ended June 30, 2015 or 2014 . During the three and six months ended June 30, 2015 and 2014 , TCF paid $0.1 million and $0.2 million , respectively, for benefits of the Postretirement Plan.

Derivative Instruments

Derivative Instruments	6 Months Ended
	Jun. 30, 2015
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Derivative Instruments	Derivative Instruments All derivative instruments are recognized within other assets or other liabilities at fair value within the Consolidated Statements of Financial Condition. The value of derivative instruments will vary over their contractual terms as the related underlying rates fluctuate. The accounting for changes in the fair value of a derivative instrument depends on whether or not the contract has been designated and qualifies as a hedge. To qualify as a hedge, a contract must be highly effective at reducing the risk associated with the exposure being hedged. In addition, for a contract to be designated as a hedge, the risk management objective and strategy must be documented at inception. Hedge documentation must also identify the hedging instrument, the asset or liability and type of risk to be hedged and how the effectiveness of the contract is assessed prospectively and retrospectively. To assess effectiveness, TCF uses statistical methods such as regression analysis. A contract that has been, and is expected to continue to be, effective at offsetting changes in fair values or the net investment must be assessed and documented at least quarterly. If it is determined that a contract is not highly effective at hedging the designated exposure, hedge accounting is discontinued. Upon origination of a derivative instrument, the contract is designated either as a hedge of the volatility of an investment in foreign operations driven by changes in foreign currency exchange rates ("net investment hedge"), a hedge of the exposure to changes in the fair value of an asset or liability due to changes in market risk ("fair value hedge"), or is not designated as a hedge. Changes in net investment hedges recorded within other comprehensive income (loss) are subsequently reclassified to non-interest expense during the period in which the foreign investment is substantially liquidated or when other elements of the currency translation adjustment are reclassified to income. Net Investment Hedges Forward foreign exchange contracts, that generally settle within 30 days, are used to manage the foreign exchange risk associated with the Company's net investment in TCF Commercial Finance Canada, Inc., a wholly-owned indirect Canadian subsidiary of TCF Bank. Fair Value Hedges During the first quarter of 2015, TCF Bank entered into an interest rate swap related to its contemporaneously issued subordinated debt, which settles through a central clearing house. The swap was designated as a fair value hedge and effectively converts the fixed interest rate to a floating rate based on three-month London InterBank Offered Rate ("LIBOR") plus a fixed number of basis points on the $150.0 million notional amount through February 27, 2025 , the maturity date of the subordinated debt. In exchange, TCF Bank will receive 4.60% fixed-rate interest from the swap counterparty. The interest rate swap substantially offsets the change in fair value of the hedged underlying debt that is attributable to the changes in market risk. The gains and losses related to changes in the fair value of the interest rate swap are reflected in non-interest income. Derivatives Not Designated as Hedges TCF executes interest rate swaps with commercial banking customers to facilitate their respective risk management strategies. Those interest rate swaps are simultaneously hedged with offsetting interest rate swaps that TCF executes with a third party and settles through a central clearing house, minimizing TCF's net risk exposure resulting from such transactions. As the interest rate swaps associated with this program do not meet hedge accounting requirements, changes in the fair value of both the customer swaps and the offsetting swaps are reflected in non-interest income. These contracts have original fixed maturity dates ranging from three to seven years. During the second quarter of 2012, TCF sold its Visa ® Class B stock. In conjunction with the sale, TCF and the purchaser entered into a derivative transaction whereby TCF may receive or be required to make cash payments whenever the conversion ratio of the Visa Class B stock into Visa Class A stock is adjusted. The fair value of this derivative has been determined using estimated future cash flows using probability weighted scenarios for multiple estimates of Visa's aggregate exposure to covered litigation matters, which include consideration of amounts funded by Visa into its escrow account for the covered litigation matters. Changes, if any, in the valuation of this swap agreement, which has no determinable maturity date, are reflected in non-interest income. Certain of TCF's forward foreign exchange contracts are not designated as hedges and are generally settled within 30 days. Changes in the fair value of these forward foreign exchange contracts are reflected in non-interest expense. TCF enters into interest rate lock commitments in conjunction with certain consumer real estate loans. These interest rate lock commitments are agreements to extend credit under certain specified terms and conditions at fixed rates and have original lock expirations of up to 60 days. They are not designated as hedges and accordingly, changes in the valuation of these commitments are reflected in non-interest income. The following tables summarize TCF's outstanding derivative instruments as of June 30, 2015 and December 31, 2014 . See Note 13 , Fair Value Disclosures , for additional information. At June 30, 2015 (In thousands) Notional Amount Gross Amounts Recognized Gross Amounts Offset Net Amount Presented (1) Derivative Assets: Derivatives designated as hedges: Forward foreign exchange contracts $ 45,857 $ 144 $ — $ 144 Derivatives not designated as hedges: Forward foreign exchange contracts 408,953 4,984 — 4,984 Interest rate contracts 91,729 1,722 — 1,722 Interest rate lock commitments 26,145 455 — 455 Total derivative assets $ 7,305 $ — $ 7,305 Derivative Liabilities: Derivatives designated as hedges: Interest rate contracts $ 150,000 $ 4,267 $ (4,267 ) $ — Derivatives not designated as hedges: Interest rate contracts 91,729 1,787 (1,787 ) — Other contracts 13,804 465 (465 ) — Total derivative liabilities $ 6,519 $ (6,519 ) $ — At December 31, 2014 (In thousands) Notional Amount Gross Amounts Recognized Gross Amounts Offset Net Amount Presented (1) Derivative Assets: Derivatives designated as hedges: Forward foreign exchange contracts $ 42,165 $ 509 $ — $ 509 Derivatives not designated as hedges: Forward foreign exchange contracts 275,962 2,702 (1,179 ) 1,523 Interest rate contracts 101,166 1,798 — 1,798 Interest rate lock commitments 15,124 285 — 285 Total derivative assets $ 5,294 $ (1,179 ) $ 4,115 Derivative Liabilities: Derivatives not designated as hedges: Forward foreign exchange contracts $ 189,310 $ 177 $ (29 ) $ 148 Interest rate contracts 101,166 1,877 (1,877 ) — Other contracts 13,804 621 (621 ) — Total derivative liabilities $ 2,675 $ (2,527 ) $ 148 (1) All amounts were offset in the Consolidated Statements of Financial Condition. The following table summarizes the pre-tax impact of derivative activity within the Consolidated Statements of Income and the Consolidated Statements of Comprehensive Income. Three Months Ended June 30, Six Months Ended June 30, (In thousands) Income Statement Location 2015 2014 2015 2014 Consolidated Statements of Income Fair value hedges: Interest rate contracts Non-interest income $ (5,541 ) $ — $ (4,267 ) $ — Non-derivative hedged items Non-interest income 4,690 — 3,563 — Not designated as hedges: Forward foreign exchange contracts Non-interest expense (8,168 ) (15,848 ) 29,292 (651 ) Interest rate lock commitments Non-interest income (135 ) — 170 — Interest rate contracts Non-interest income 41 (30 ) 20 (50 ) Net realized gain (loss) $ (9,113 ) $ (15,878 ) $ 28,778 $ (701 ) Consolidated Statements of Comprehensive Income Net investment hedges: Forward foreign exchange contracts Other comprehensive income (loss) $ (674 ) $ (1,382 ) $ 2,914 $ (172 ) Net unrealized gain (loss) $ (674 ) $ (1,382 ) $ 2,914 $ (172 ) TCF executes all of its forward foreign exchange contracts in the over-the-counter market with large financial institutions pursuant to International Swaps and Derivatives Association, Inc. agreements. These agreements include credit risk-related features that enhance the creditworthiness of these instruments as compared with other obligations of the respective counterparty with whom TCF has transacted by requiring that additional collateral be posted under certain circumstances. The amount of collateral required depends on the contract and is determined daily based on market and currency exchange rate conditions. At June 30, 2015 , credit risk-related contingent features existed on forward foreign exchange contracts with a notional value of $124.0 million . In the event TCF is rated less than BB- by Standard and Poor's, the contracts could be terminated or TCF may be required to provide approximately $2.5 million in additional collateral. There were no forward foreign exchange contracts containing credit risk-related features in a net liability position at June 30, 2015 . At June 30, 2015 , TCF had posted $13.9 million , $1.4 million and $0.6 million of cash collateral related to its interest rate contracts, other contracts and forward foreign exchange contracts, respectively.

Fair Values Disclosures

Fair Values Disclosures	6 Months Ended
	Jun. 30, 2015
Fair Value Disclosures [Abstract]
Fair Value Disclosures	Fair Value Disclosures TCF uses fair value measurements to record fair value adjustments to certain assets and liabilities and to determine fair value disclosures. The Company's fair values are based on the price that would be received upon the sale of an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date. Securities available for sale, certain loans and leases held for sale, forward foreign exchange contracts, interest rate contracts, other contracts, interest rate lock commitments, forward loan sales commitments and assets and liabilities held in trust for deferred compensation plans are recorded at fair value on a recurring basis. From time to time we may be required to record at fair value other assets on a non-recurring basis, such as certain securities held to maturity, loans, interest-only strips, other real estate owned and repossessed and returned assets. These non-recurring fair value adjustments typically involve application of lower-of-cost-or-market accounting or write-downs of individual assets. The following is a discussion of the fair value hierarchy and the valuation methodologies used for assets and liabilities recorded at fair value on a recurring or non-recurring basis and for estimating fair value of financial instruments not recorded at fair value. TCF groups its assets and liabilities measured at fair value in three levels, based on the markets in which the assets and liabilities are traded and the degree and reliability of estimates and assumptions used to determine fair value as follows: Level 1, which includes valuations that are based on prices obtained from independent pricing sources for the same instruments traded in active markets; Level 2, which includes valuations that are based on prices obtained from independent pricing sources that are based on observable transactions of similar instruments, but not quoted markets; and Level 3, for which valuations are generated from Company model-based techniques that use significant unobservable inputs. Such unobservable inputs reflect estimates of assumptions that market participants would use in pricing the asset or liability. Investments The carrying value of investments in FHLB stock and Federal Reserve Bank stock, categorized as Level 2, approximates fair value based on redemption at par value. Securities Held to Maturity Securities held to maturity consist primarily of securities of U.S. Government sponsored enterprises and federal agencies. The fair value of securities of U.S. Government sponsored enterprises and federal agencies, categorized as Level 2, is estimated using prices obtained from independent asset pricing services that are based on observable transactions, but not quoted markets. Management reviews the prices obtained from independent asset pricing services for unusual fluctuations and comparisons to current market trading activity. The fair value of certain other securities held to maturity, categorized as Level 3, is estimated based on discounted cash flows using current market rates and consideration of credit exposure or other internal pricing methods. There is no observable secondary market for these securities. Securities Available for Sale Securities available for sale consist primarily of securities of U.S. Government sponsored enterprises and federal agencies, and obligations of states and political subdivisions. The fair value of these securities, categorized as Level 2, is recorded using prices obtained from independent asset pricing services that are based on observable transactions, but not quoted markets. Management reviews the prices obtained from independent asset pricing services for unusual fluctuations and comparisons to current market trading activity. Other mortgage-backed securities, for which there is little or no market activity, are categorized as Level 3 assets and the fair value of these assets is determined by using internal pricing methods. The fair value of other securities, categorized as Level 1, is based upon prices obtained in an active market. Loans and Leases Held for Sale Loans and leases held for sale are generally carried at the lower of cost or fair value. The cost of loans held for sale includes the unpaid principal balance, net of deferred loan fees and costs. Estimated fair values are based upon recent loan sale transactions and any available price quotes on loans with similar coupons, maturities and credit quality. Certain other loans and leases held for sale are recorded at fair value under the elected fair value option. TCF relies on internal valuation models which utilize quoted investor prices to estimate the fair value of these loans. Loans and leases held for sale are categorized as Level 3. Loans The fair value of loans, categorized as Level 3, is estimated based on discounted expected cash flows and recent sales of similar loans. The discounted cash flows include assumptions for prepayment estimates over each loan's remaining life, consideration of the current interest rate environment compared with the weighted average rate of each portfolio, a credit risk component based on the historical and expected performance of each portfolio and a liquidity adjustment related to the current market environment. TCF also uses pricing data from recent sales of loans with similar risk characteristics as data points to validate the assumptions used in estimating the fair value of certain loans. Loans for which repayment is expected to be provided solely by the value of the underlying collateral, categorized as Level 3 and recorded at fair value on a non-recurring basis, are valued based on the fair value of that collateral less estimated selling costs. Such loans include impaired loans as well as certain delinquent non-accrual consumer real estate and auto finance loans. The fair value of the collateral is determined based on internal estimates and assessments provided by third-party appraisers. Forward Foreign Exchange Contracts TCF's forward foreign exchange contracts are currency contracts executed in over-the-counter markets and are recorded at fair value using a cash flow model that includes key inputs such as foreign exchange rates and, in accordance with GAAP, an assessment of the risk of counterparty non-performance. The risk of counterparty non-performance is based on external assessments of credit risk. The fair value of these contracts, categorized as Level 2, is based on observable transactions, but not quoted markets. Interest Rate Contracts TCF executes interest rate swaps with commercial banking customers to facilitate the customer's risk management strategy. These interest rate swaps are simultaneously hedged by offsetting interest rate swaps TCF executes with a third party, minimizing TCF's net risk exposure resulting from such transactions. TCF also entered into an interest rate swap to convert its fixed-rate 2025 Notes to floating rate debt. These derivative instruments are recorded at fair value. The fair value of these swap agreements, categorized as Level 2, is determined using a cash flow model which considers the forward curve, the discount curve and credit valuation adjustments related to counterparty and/or borrower non-performance risk. Other Contracts TCF entered into a swap agreement related to the sale of TCF's Visa Class B stock, categorized as Level 3. The fair value of the Visa agreement is based upon TCF's estimated exposure related to the Visa covered litigation through a probability analysis of the funding and estimated settlement amounts. Interest Rate Lock Commitments and Forward Loan Sales Commitments TCF's interest rate lock commitments are derivative instruments which are carried at fair value. The related forward loan sales commitments to sell the resulting loans held for sale are also recorded at fair value under the elected fair value option. TCF relies on internal valuation models to estimate the fair value of these instruments. The valuation models utilize estimated rates of successful loan closings and quoted investor prices. While these models use both Level 2 and 3 inputs, TCF has determined that the majority of the inputs significant in the valuation of these commitments fall within Level 3 and therefore they are categorized as Level 3. Interest-Only Strips The fair value of interest-only strips, categorized as Level 3, represents the present value of future cash flows retained by TCF on certain assets. TCF uses available market data, along with its own empirical data and discounted cash flow models, to arrive at the estimated fair value of its interest-only strips. The present value of the estimated expected future cash flows to be received is determined by using discount, loss and prepayment rates that TCF believes are commensurate with the risks associated with the cash flows and what a market participant would use. These assumptions are inherently subject to volatility and uncertainty and, as a result, the estimated fair value of the interest-only strips may fluctuate significantly from period to period. Other Real Estate Owned and Repossessed and Returned Assets The fair value of other real estate owned is based on independent appraisals, real estate brokers' price opinions or automated valuation methods, less estimated selling costs. Certain properties require assumptions that are not observable in an active market in the determination of fair value. The fair value of repossessed and returned assets is based on available pricing guides, auction results or price opinions, less estimated selling costs. Assets acquired through foreclosure, repossession or returned to TCF are initially recorded at the lower of the loan or lease carrying amount or fair value less estimated selling costs at the time of transfer to other real estate owned or repossessed and returned assets. Other real estate owned and repossessed and returned assets were written down $4.0 million and $7.5 million , which was included in foreclosed real estate and repossessed assets, net expense for the three and six months ended June 30, 2015 , respectively, compared with $2.9 million and $6.2 million for the same periods in 2014 . Deposits The fair value of checking, savings and money market deposits, categorized as Level 1, is deemed equal to the amount payable on demand. The fair value of certificates of deposit, categorized as Level 2, is estimated based on discounted cash flows using currently offered market rates. The intangible value of long-term relationships with depositors is not taken into account in the fair values disclosed. Long-term Borrowings The fair value of TCF's long-term borrowings, categorized as Level 2, is estimated based on observable market prices and discounted cash flows using interest rates for borrowings of similar remaining maturities and characteristics. The fair value of other long-term borrowings, categorized as Level 3, is based on unobservable inputs determined at the time of origination. Assets and Liabilities Held in Trust for Deferred Compensation Plans Assets held in trust for deferred compensation plans include investments in publicly traded securities, excluding TCF common stock reported in treasury and other equity, and U.S. Treasury notes. The fair value of these assets, categorized as Level 1, is based upon prices obtained from independent asset pricing services based on active markets. The fair value of the liabilities equals the fair value of the assets. Financial Instruments with Off-Balance Sheet Risk The fair value of TCF's commitments to extend credit and standby letters of credit, categorized as Level 2, is estimated using fees currently charged to enter into similar agreements, as commitments and standby letters of credit similar to TCF's are not actively traded. Substantially all commitments to extend credit and standby letters of credit have floating interest rates and do not expose TCF to interest rate risk; therefore fair value is approximately equal to carrying value. The following tables present the balances of assets and liabilities measured at fair value on a recurring and non-recurring basis. Fair Value Measurements at June 30, 2015 (In thousands) Level 1 Level 2 Level 3 Total Recurring Fair Value Measurements: Securities available for sale: Mortgage-backed securities: U.S. Government sponsored enterprises and federal agencies $ — $ 591,907 $ — $ 591,907 Other — — 45 45 Obligations of states and political subdivisions — 37,718 — 37,718 Other securities 178 — — 178 Loans and leases held for sale — — 4,962 4,962 Forward foreign exchange contracts (1) — 5,128 — 5,128 Interest rate contracts (1) — 1,722 — 1,722 Interest rate lock commitments (1) — — 455 455 Forward loan sales commitments — — 52 52 Assets held in trust for deferred compensation plans 19,435 — — 19,435 Total assets $ 19,613 $ 636,475 $ 5,514 $ 661,602 Interest rate contracts (1) $ — $ 6,054 $ — $ 6,054 Forward loan sales commitments — — 57 57 Liabilities held in trust for deferred compensation plans 19,435 — — 19,435 Other contracts (1) — — 465 465 Total liabilities $ 19,435 $ 6,054 $ 522 $ 26,011 Non-recurring Fair Value Measurements: Securities held to maturity $ — $ — $ 1,332 $ 1,332 Loans — — 149,037 149,037 Interest-only strips — — 4,505 4,505 Other real estate owned: Consumer — — 39,140 39,140 Commercial — — 3,622 3,622 Repossessed and returned assets — 2,609 1,302 3,911 Total non-recurring fair value measurements $ — $ 2,609 $ 198,938 $ 201,547 (1) As permitted under GAAP, TCF has elected to net derivative receivables and derivative payables when a legally enforceable master netting agreement exists as well as the related cash collateral received and paid. For purposes of this table, the derivative receivable and derivative payable balances are presented gross of this netting adjustment. Fair Value Measurements at December 31, 2014 (In thousands) Level 1 Level 2 Level 3 Total Recurring Fair Value Measurements: Securities available for sale: Mortgage-backed securities: U.S. Government sponsored enterprises and federal agencies $ — $ 463,239 $ — $ 463,239 Other — — 55 55 Loans and leases held for sale — — 3,308 3,308 Forward foreign exchange contracts (1) — 3,211 — 3,211 Interest rate contracts (1) — 1,798 — 1,798 Interest rate lock commitments (1) — — 285 285 Forward loan sales commitments — — 19 19 Assets held in trust for deferred compensation plans 18,703 — — 18,703 Total assets $ 18,703 $ 468,248 $ 3,667 $ 490,618 Forward foreign exchange contracts (1) $ — $ 177 $ — $ 177 Interest rate contracts (1) — 1,877 — 1,877 Forward loan sales commitments — — 42 42 Liabilities held in trust for deferred compensation plans 18,703 — — 18,703 Other contracts (1) — — 621 621 Total liabilities $ 18,703 $ 2,054 $ 663 $ 21,420 Non-recurring Fair Value Measurements: Securities held to maturity $ — $ — $ 1,516 $ 1,516 Loans — — 164,897 164,897 Interest-only strips — — 41,204 41,204 Other real estate owned: Consumer — — 40,502 40,502 Commercial — 4,839 8,866 13,705 Repossessed and returned assets — 1,563 1,425 2,988 Total non-recurring fair value measurements $ — $ 6,402 $ 258,410 $ 264,812 (1) As permitted under GAAP, TCF has elected to net derivative receivables and derivative payables when a legally enforceable master netting agreement exists as well as the related cash collateral received and paid. For purposes of this table, the derivative receivable and derivative payable balances are presented gross of this netting adjustment. Management assesses the appropriate classification of financial assets and liabilities within the fair value hierarchy by monitoring the level of availability of observable market information. Changes in markets or economic conditions, as well as changes to Company valuation models may require the transfer of financial instruments from one fair value level to another. Such transfers, if any, are recorded at the fair values as of the beginning of the quarter in which the transfer occurred. TCF had no transfers in the six months ended June 30, 2015 and 2014 . The following table presents changes in Level 3 assets and liabilities measured at fair value on a recurring basis. (In thousands) Securities Available for Sale Loans and Leases Held for Sale Interest Rate Lock Commitments Forward Loan Sales Commitments Other Contracts At or For the Three Months Ended June 30, 2015: Asset (liability) balance, beginning of period $ 50 $ 6,248 $ 589 $ (113 ) $ (544 ) Total net gains (losses) included in: Net income — (58 ) (134 ) 108 — Sales — (74,489 ) — — — Originations — 73,261 — — — Principal paydowns / settlements (5 ) — — — 79 Asset (liability) balance, end of period $ 45 $ 4,962 $ 455 $ (5 ) $ (465 ) At or For the Three Months Ended June 30, 2014: Asset (liability) balance, beginning of period $ 87 $ — $ — $ — $ (819 ) Principal paydowns / settlements (6 ) — — — 82 Asset (liability) balance, end of period $ 81 $ — $ — $ — $ (737 ) (In thousands) Securities Available for Sale Loans and Leases Held for Sale Interest Rate Lock Commitments Forward Loan Sales Commitments Other Contracts At or For the Six Months Ended June 30, 2015: Asset (liability) balance, beginning of period $ 55 $ 3,308 $ 285 $ (23 ) $ (621 ) Total net gains (losses) included in: Net income — 32 170 18 — Sales — (136,264 ) — — — Originations — 137,886 — — — Principal paydowns / settlements (10 ) — — — 156 Asset (liability) balance, end of period $ 45 $ 4,962 $ 455 $ (5 ) $ (465 ) At or For the Six Months Ended June 30, 2014: Asset (liability) balance, beginning of period $ 93 $ — $ — $ — $ (899 ) Principal paydowns / settlements (12 ) — — — 162 Asset (liability) balance, end of period $ 81 $ — $ — $ — $ (737 ) Fair Value Option In the third quarter of 2014, TCF initiated a correspondent lending program in which TCF Bank originates consumer mortgage loans and sells them to a wholesale partner. TCF elected the fair value option for these loans. This election facilitates the offsetting of changes in fair values of the loans held for sale and the derivative financial instruments used to economically hedge them. The following table presents the difference between the aggregate fair value and aggregate unpaid principal balance of these loans held for sale. (In thousands) At June 30, 2015 At December 31, 2014 Fair value carrying amount $ 4,962 $ 3,308 Aggregate unpaid principal amount 4,840 3,205 Fair value carrying amount less aggregate unpaid principal $ 122 $ 103 Differences between the fair value carrying amount and the aggregate unpaid principal balance include changes in fair value recorded at and subsequent to funding and gains and losses on the related loan commitment prior to funding. No loans recorded under the fair value option were delinquent or on non-accrual status at June 30, 2015 or December 31, 2014 . The net gain from initial measurement of the correspondent lending loans held for sale, any subsequent changes in fair value while the loans are outstanding and any actual adjustment to the gains realized upon sales of the loans totaled $3.0 million for the six months ended June 30, 2015 , and is included in gains on sales of consumer real estate loans, net. This amount excludes the impact from the hedging arrangements which are also included in gains on sales of consumer real estate loans, net. Disclosures About Fair Value of Financial Instruments Management discloses the estimated fair value of financial instruments, both assets and liabilities on and off the balance sheet, for which it is practicable to estimate fair value. These fair value estimates were made at June 30, 2015 and December 31, 2014 , based on relevant market information and information about the financial instruments. Fair value estimates are intended to represent the price at which an asset could be sold or a liability could be settled. However, given there is no active market or observable market transactions for many of the Company's financial instruments, the estimates of fair values are subjective in nature, involve uncertainties and include matters of significant judgment. Changes in assumptions could significantly affect the estimated values. The following tables present the carrying amounts and estimated fair values of the Company's financial instruments, excluding short-term financial assets and liabilities as their carrying amounts approximate fair value and excluding financial instruments recorded at fair value on a recurring basis. This information represents only a portion of TCF's balance sheet and not the estimated value of the Company as a whole. Non-financial instruments such as the intangible value of TCF's branches and core deposits, leasing operations, goodwill, premises and equipment and the future revenues from TCF's customers are not reflected in this disclosure. Therefore, this information is of limited use in assessing the value of TCF. Carrying Amount Estimated Fair Value at June 30, 2015 (In thousands) Level 1 Level 2 Level 3 Total Financial instrument assets: Investments $ 78,518 $ — $ 78,518 $ — $ 78,518 Securities held to maturity 208,911 — 208,615 4,732 213,347 Loans and leases held for sale 200,034 — — 211,733 211,733 Loans: Consumer real estate 5,544,029 — — 5,662,803 5,662,803 Commercial real estate 2,535,794 — — 2,480,050 2,480,050 Commercial business 576,550 — — 555,120 555,120 Equipment finance 1,836,808 — — 1,821,704 1,821,704 Inventory finance 2,106,087 — — 2,092,911 2,092,911 Auto finance 2,301,714 — — 2,315,076 2,315,076 Other 21,852 — — 19,585 19,585 Allowance for loan losses (1) (156,115 ) — — — — Interest-only strips (2) 55,944 — — 59,135 59,135 Total financial instrument assets $ 15,310,126 $ — $ 287,133 $ 15,222,849 $ 15,509,982 Financial instrument liabilities: Deposits $ 15,827,219 $ 12,630,989 $ 3,213,957 $ — $ 15,844,946 Long-term borrowings 1,210,736 — 1,217,737 5,390 1,223,127 Total financial instrument liabilities $ 17,037,955 $ 12,630,989 $ 4,431,694 $ 5,390 $ 17,068,073 Financial instruments with off-balance sheet risk: (3) Commitments to extend credit $ 24,627 $ — $ 24,627 $ — $ 24,627 Standby letters of credit (64 ) — (64 ) — (64 ) Total financial instruments with off-balance sheet risk $ 24,563 $ — $ 24,563 $ — $ 24,563 (1) Expected credit losses are included in the estimated fair values. (2) Carrying amounts are included in other assets. (3) Positive amounts represent assets, negative amounts represent liabilities. Carrying Amount Estimated Fair Value at December 31, 2014 (In thousands) Level 1 Level 2 Level 3 Total Financial instrument assets: Investments $ 85,492 $ — $ 85,492 $ — $ 85,492 Securities held to maturity 214,454 — 217,418 4,916 222,334 Loans and leases held for sale 132,266 — — 139,370 139,370 Loans: Consumer real estate 5,682,364 — — 5,836,770 5,836,770 Commercial real estate 2,624,255 — — 2,575,625 2,575,625 Commercial business 533,410 — — 512,083 512,083 Equipment finance 1,806,808 — — 1,787,271 1,787,271 Inventory finance 1,877,090 — — 1,864,786 1,864,786 Auto finance 1,915,061 — — 1,927,384 1,927,384 Other 24,144 — — 18,724 18,724 Allowance for loan losses (1) (164,169 ) — — — — Interest-only strips (2) 69,789 — — 73,058 73,058 Total financial instrument assets $ 14,800,964 $ — $ 302,910 $ 14,739,987 $ 15,042,897 Financial instrument liabilities: Deposits $ 15,449,882 $ 12,400,693 $ 3,063,850 $ — $ 15,464,543 Long-term borrowings 1,232,065 — 1,246,221 8,054 1,254,275 Total financial instrument liabilities $ 16,681,947 $ 12,400,693 $ 4,310,071 $ 8,054 $ 16,718,818 Financial instruments with off-balance sheet risk: (3) Commitments to extend credit $ 25,885 $ — $ 25,885 $ — $ 25,885 Standby letters of credit (47 ) — (47 ) — (47 ) Total financial instruments with off-balance sheet risk $ 25,838 $ — $ 25,838 $ — $ 25,838 (1) Expected credit losses are included in the estimated fair values. (2) Carrying amounts are included in other assets. (3) Positive amounts represent assets, negative amounts represent liabilities.

Earnings Per Common Share

Earnings Per Common Share	6 Months Ended
	Jun. 30, 2015
Earnings Per Share [Abstract]
Earnings Per Common Share	Earnings Per Common Share TCF's restricted stock awards that pay non-forfeitable common stock dividends meet the criteria of a participating security. Accordingly, earnings per share is calculated using the two-class method, under which earnings are allocated to both common shares and participating securities. Three Months Ended Six Months Ended (Dollars in thousands, except per-share data) 2015 2014 2015 2014 Basic Earnings Per Common Share: Net income available to common stockholders $ 47,408 $ 48,278 $ 82,362 $ 88,188 Earnings allocated to participating securities 11 12 22 23 Earnings allocated to common stock $ 47,397 $ 48,266 $ 82,340 $ 88,165 Weighted-average common shares outstanding for basic earnings per common share 165,588,846 163,252,550 165,219,090 163,011,047 Basic earnings per common share $ 0.29 $ 0.30 $ 0.50 $ 0.54 Diluted Earnings Per Common Share: Earnings allocated to common stock $ 47,397 $ 48,266 $ 82,340 $ 88,165 Weighted-average common shares outstanding used in basic earnings per common share calculation 165,588,846 163,252,550 165,219,090 163,011,047 Net dilutive effect of: Non-participating restricted stock 302,079 202,475 297,035 214,186 Stock options 226,952 259,211 227,594 265,335 Weighted-average common shares outstanding for diluted earnings per common share 166,117,877 163,714,236 165,743,719 163,490,568 Diluted earnings per common share $ 0.29 $ 0.29 $ 0.50 $ 0.54 All shares of restricted stock are deducted from weighted-average shares outstanding for the computation of basic earnings per common share. Shares of performance-based restricted stock and restricted stock units are included in the calculation of diluted earnings per common share, using the treasury stock method, at the beginning of the quarter in which the performance goals have been achieved. All other shares of restricted stock, which vest over specified time periods, stock options and warrants are included in the calculation of diluted earnings per common share, using the treasury stock method. For the three and six months ended June 30, 2015 and 2014 , there were 4.6 million and 4.1 million of outstanding shares related to non-participating restricted stock, stock options and warrants that were not included in the computation of diluted earnings per share because they were anti-dilutive, respectively.

Business Segments

Business Segments	6 Months Ended
	Jun. 30, 2015
Segment Reporting [Abstract]
Business Segments	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 branch 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, in Item 8 of TCF's 2014 Annual Report on Form 10-K. TCF generally accounts for inter-segment sales and transfers at cost. The following tables set forth certain information for each of TCF's reportable segments, including a reconciliation of TCF's consolidated totals. (In thousands) Lending Funding Support Services Eliminations Consolidated At or For the Three Months Ended June 30, 2015: Net interest income $ 155,920 $ 50,926 $ 49 $ (866 ) $ 206,029 Provision for credit losses 11,948 580 — — 12,528 Non-interest income 60,526 52,895 28,404 (28,376 ) 113,449 Non-interest expense 114,530 108,583 28,372 (28,376 ) 223,109 Income tax expense (benefit) 32,266 (1,982 ) (516 ) (866 ) 28,902 Income (loss) after income tax expense (benefit) 57,702 (3,360 ) 597 — 54,939 Income attributable to non-controlling interest 2,684 — — — 2,684 Preferred stock dividends — — 4,847 — 4,847 Net income (loss) available to common stockholders $ 55,018 $ (3,360 ) $ (4,250 ) $ — $ 47,408 Total assets $ 17,430,400 $ 7,038,178 $ 187,530 $ (4,829,758 ) $ 19,826,350 Revenues from external customers: Interest income $ 217,022 $ 6,059 $ — $ — $ 223,081 Non-interest income 60,526 52,882 41 — 113,449 Total $ 277,548 $ 58,941 $ 41 $ — $ 336,530 At or For the Three Months Ended June 30, 2014: Net interest income $ 149,377 $ 57,422 $ 56 $ (754 ) $ 206,101 Provision for credit losses 9,120 789 — — 9,909 Non-interest income 47,191 55,969 34,021 (33,165 ) 104,016 Non-interest expense 105,109 108,304 32,947 (33,165 ) 213,195 Income tax expense (benefit) 29,837 1,628 674 (754 ) 31,385 Income (loss) after income tax expense (benefit) 52,502 2,670 456 — 55,628 Income attributable to non-controlling interest 2,503 — — — 2,503 Preferred stock dividends — — 4,847 — 4,847 Net income (loss) available to common stockholders $ 49,999 $ 2,670 $ (4,391 ) $ — $ 48,278 Total assets $ 16,659,897 $ 8,697,212 $ 176,026 $ (6,695,358 ) $ 18,837,777 Revenues from external customers: Interest income $ 214,549 $ 5,542 $ — $ — $ 220,091 Non-interest income 47,191 55,954 871 — 104,016 Total $ 261,740 $ 61,496 $ 871 $ — $ 324,107 (In thousands) Lending Funding Support Services Eliminations Consolidated At or For the Six Months Ended June 30, 2015: Net interest income $ 309,348 $ 101,717 $ 71 $ (1,687 ) $ 409,449 Provision for credit losses 24,579 740 — — 25,319 Non-interest income 109,089 103,103 60,361 (58,466 ) 214,087 Non-interest expense 227,030 220,374 60,938 (58,466 ) 449,876 Income tax expense (benefit) 59,745 (5,942 ) (386 ) (1,687 ) 51,730 Income (loss) after income tax expense (benefit) 107,083 (10,352 ) (120 ) — 96,611 Income attributable to non-controlling interest 4,555 — — — 4,555 Preferred stock dividends — — 9,694 — 9,694 Net income (loss) available to common stockholders $ 102,528 $ (10,352 ) $ (9,814 ) $ — $ 82,362 Total assets $ 17,430,400 $ 7,038,178 $ 187,530 $ (4,829,758 ) $ 19,826,350 Revenues from external customers: Interest income $ 431,101 $ 11,774 $ — $ — $ 442,875 Non-interest income 109,089 103,077 1,921 — 214,087 Total $ 540,190 $ 114,851 $ 1,921 $ — $ 656,962 At or For the Six Months Ended June 30, 2014: Net interest income $ 294,197 $ 114,640 $ 54 $ (1,516 ) $ 407,375 Provision for credit losses 23,357 1,044 — — 24,401 Non-interest income 98,489 107,629 67,781 (66,476 ) 207,423 Non-interest expense 210,841 216,808 69,158 (66,476 ) 430,331 Income tax expense (benefit) 57,750 1,702 28 (1,516 ) 57,964 Income (loss) after income tax expense (benefit) 100,738 2,715 (1,351 ) — 102,102 Income attributable to non-controlling interest 4,220 — — — 4,220 Preferred stock dividends — — 9,694 — 9,694 Net income (loss) available to common stockholders $ 96,518 $ 2,715 $ (11,045 ) $ — $ 88,188 Total assets $ 16,659,897 $ 8,697,212 $ 176,026 $ (6,695,358 ) $ 18,837,777 Revenues from external customers: Interest income $ 423,781 $ 10,937 $ — $ — $ 434,718 Non-interest income 98,489 107,599 1,335 — 207,423 Total $ 522,270 $ 118,536 $ 1,335 $ — $ 642,141

Litigation Contingencies

Litigation Contingencies	6 Months Ended
	Jun. 30, 2015
Commitments and Contingencies Disclosure [Abstract]
Litigation Contingencies	Litigation Contingencies From time to time, TCF is a party to legal proceedings arising out of its lending, leasing and deposit operations, including foreclosure proceedings and other collection actions as part of its lending and leasing collections activities. TCF may also be subject to enforcement actions brought by federal regulators, including the Securities and Exchange Commission (“SEC”), the Federal Reserve, the OCC and the Consumer Financial Protection Bureau. From time to time, borrowers and other customers, and employees and former employees, have also brought actions against TCF, in some cases claiming substantial damages. TCF and other financial services companies are subject to the risk of class action litigation. Litigation is often unpredictable and the actual results of litigation cannot be determined, and therefore the ultimate resolution of a matter and the possible range of loss associated with certain potential outcomes cannot be established. Based on our current understanding of TCF’s pending legal proceedings, management does not believe that judgments or settlements arising from pending or threatened legal matters, individually or in the aggregate, would have a material adverse effect on the consolidated financial position, operating results or cash flows of TCF. TCF is also subject to regulatory examinations, and TCF’s regulatory authorities may impose sanctions on TCF for failures related to regulatory compliance.

Accumulated Other Comprehensive

Accumulated Other Comprehensive Income (Loss)	6 Months Ended
	Jun. 30, 2015
Comprehensive Income (Loss), Net of Tax, Attributable to Parent [Abstract]
Accumulated Other Comprehensive Income (Loss)	Accumulated Other Comprehensive Income (Loss) The components of other comprehensive income (loss) and the related tax effects are presented in the table below. Three Months Ended June 30, 2015 2014 (In thousands) Before Tax Tax Effect Net of Tax Before Tax Tax Effect Net of Tax Securities available for sale: Unrealized gains (losses) arising during the period $ (11,140 ) $ 4,207 $ (6,933 ) $ 8,648 $ (3,257 ) $ 5,391 Reclassification of net (gains) losses to net income 286 (108 ) 178 (452 ) 170 (282 ) Net unrealized gains (losses) (10,854 ) 4,099 (6,755 ) 8,196 (3,087 ) 5,109 Net investment hedges: Unrealized gains (losses) arising during the period (674 ) 254 (420 ) (1,382 ) 522 (860 ) Foreign currency translation adjustment: (1) Unrealized gains (losses) arising during the period 617 — 617 1,399 — 1,399 Recognized postretirement prior service cost: Reclassification of net (gains) losses to net income (11 ) 5 (6 ) (11 ) 4 (7 ) Total other comprehensive income (loss) $ (10,922 ) $ 4,358 $ (6,564 ) $ 8,202 $ (2,561 ) $ 5,641 Six Months Ended June 30, 2015 2014 (In thousands) Before Tax Tax Effect Net of Tax Before Tax Tax Effect Net of Tax Securities available for sale: Unrealized gains (losses) arising during the period $ (7,001 ) $ 2,644 $ (4,357 ) $ 20,514 $ (7,725 ) $ 12,789 Reclassification of net (gains) losses to net income 590 (223 ) 367 (629 ) 236 (393 ) Net unrealized gains (losses) (6,411 ) 2,421 (3,990 ) 19,885 (7,489 ) 12,396 Net investment hedges: Unrealized gains (losses) arising during the period 2,914 (1,101 ) 1,813 (172 ) 65 (107 ) Foreign currency translation adjustment: (1) Unrealized gains (losses) arising during the period (3,269 ) — (3,269 ) 23 — 23 Recognized postretirement prior service cost: Reclassification of net (gains) losses to net income (23 ) 9 (14 ) (23 ) 9 (14 ) Total other comprehensive income (loss) $ (6,789 ) $ 1,329 $ (5,460 ) $ 19,713 $ (7,415 ) $ 12,298 (1) Foreign investments are deemed to be permanent in nature and therefore TCF does not provide for taxes on foreign currency translation adjustments. Reclassifications of net gains and net losses to net income related to securities available for sale were recorded in gains (losses) on securities, net in the Consolidated Statements of Income. The tax effect of these reclassifications was recorded in income tax expense in the Consolidated Statements of Income. See Note 11 , Employee Benefit Plans , for additional information regarding TCF's recognized postretirement prior service cost. Accumulated other comprehensive income (loss) balances are presented in the table below. (In thousands) Securities Available for Sale Net Investment Hedges Foreign Currency Translation Adjustment Recognized Postretirement Prior Service Cost Total At or For the Three Months Ended June 30, 2015: Balance, beginning of period $ (6,126 ) $ 4,769 $ (8,646 ) $ 197 $ (9,806 ) Other comprehensive income (loss) (6,933 ) (420 ) 617 — (6,736 ) Amounts reclassified from accumulated other comprehensive income (loss) 178 — — (6 ) 172 Net other comprehensive income (loss) (6,755 ) (420 ) 617 (6 ) (6,564 ) Balance, end of period $ (12,881 ) $ 4,349 $ (8,029 ) $ 191 $ (16,370 ) At or For the Three Months Ended June 30, 2014: Balance, beginning of period $ (19,696 ) $ 1,344 $ (2,432 ) $ 228 $ (20,556 ) Other comprehensive income (loss) 5,391 (860 ) 1,399 — 5,930 Amounts reclassified from accumulated other comprehensive income (loss) (282 ) — — (7 ) (289 ) Net other comprehensive income (loss) 5,109 (860 ) 1,399 (7 ) 5,641 Balance, end of period $ (14,587 ) $ 484 $ (1,033 ) $ 221 $ (14,915 ) (In thousands) Securities Available for Sale Net Investment Hedges Foreign Currency Translation Adjustment Recognized Postretirement Prior Service Cost Total At or For the Six Months Ended June 30, 2015: Balance, beginning of period $ (8,891 ) $ 2,536 $ (4,760 ) $ 205 $ (10,910 ) Other comprehensive income (loss) (4,357 ) 1,813 (3,269 ) — (5,813 ) Amounts reclassified from accumulated other comprehensive income (loss) 367 — — (14 ) 353 Net other comprehensive income (loss) (3,990 ) 1,813 (3,269 ) (14 ) (5,460 ) Balance, end of period $ (12,881 ) $ 4,349 $ (8,029 ) $ 191 $ (16,370 ) At or For the Six Months Ended June 30, 2014: Balance, beginning of period $ (26,983 ) $ 591 $ (1,056 ) $ 235 $ (27,213 ) Other comprehensive income (loss) 12,789 (107 ) 23 — 12,705 Amounts reclassified from accumulated other comprehensive income (loss) (393 ) — — (14 ) (407 ) Net other comprehensive income (loss) 12,396 (107 ) 23 (14 ) 12,298 Balance, end of period $ (14,587 ) $ 484 $ (1,033 ) $ 221 $ (14,915 )

Securities Available for Sale25

Securities Available for Sale and Securities Held to Maturity (Tables)	6 Months Ended
	Jun. 30, 2015
Investments, Debt and Equity Securities [Abstract]
Schedule of securities	Securities consisted of the following. At June 30, 2015 At December 31, 2014 (Dollars in thousands) Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value Securities available for sale: Mortgage-backed securities: U.S. Government sponsored enterprises and federal agencies $ 597,166 $ 1,142 $ 6,401 $ 591,907 $ 461,575 $ 2,405 $ 741 $ 463,239 Other 45 — — 45 55 — — 55 Obligations of states and political subdivisions 37,796 40 118 37,718 — — — — Other securities 178 — — 178 — — — — Total securities available for sale $ 635,185 $ 1,182 $ 6,519 $ 629,848 $ 461,630 $ 2,405 $ 741 $ 463,294 Weighted-average yield 2.43 % 2.62 % Securities held to maturity: Mortgage-backed securities: U.S. Government sponsored enterprises and federal agencies $ 204,179 $ 4,596 $ 160 $ 208,615 $ 209,538 $ 7,988 $ 109 $ 217,417 Other securities 4,732 — — 4,732 4,916 — — 4,916 Total securities held to maturity $ 208,911 $ 4,596 $ 160 $ 213,347 $ 214,454 $ 7,988 $ 109 $ 222,333 Weighted-average yield 2.64 % 2.64 %
Schedule of gross unrealized losses and fair value of securities available for sale and securities held to maturity that are in a loss position	The following tables show the gross unrealized losses and fair value of securities available for sale and securities held to maturity at June 30, 2015 and December 31, 2014 , aggregated by investment category and the length of time the securities were in a continuous loss position. At June 30, 2015 Less than 12 months 12 months or more Total (In thousands) Fair Value Unrealized Losses Fair Value Unrealized Losses Fair Value Unrealized Losses Securities available for sale: Mortgage-backed securities: U.S. Government sponsored enterprises and federal agencies $ 455,069 $ 6,401 $ — $ — $ 455,069 $ 6,401 Obligations of states and political subdivisions 24,132 118 — — 24,132 118 Total securities available for sale $ 479,201 $ 6,519 $ — $ — $ 479,201 $ 6,519 Securities held to maturity: Mortgage-backed securities: U.S. Government sponsored enterprises and federal agencies $ 5,521 $ 83 $ 987 $ 77 $ 6,508 $ 160 Total securities held to maturity $ 5,521 $ 83 $ 987 $ 77 $ 6,508 $ 160 At December 31, 2014 Less than 12 months 12 months or more Total (In thousands) Fair Value Unrealized Losses Fair Value Unrealized Losses Fair Value Unrealized Losses Securities available for sale: Mortgage-backed securities: U.S. Government sponsored enterprises and federal agencies $ — $ — $ 198,550 $ 741 $ 198,550 $ 741 Total securities available for sale $ — $ — $ 198,550 $ 741 $ 198,550 $ 741 Securities held to maturity: Mortgage-backed securities: U.S. Government sponsored enterprises and federal agencies $ 2,602 $ 109 $ — $ — $ 2,602 $ 109 Total securities held to maturity $ 2,602 $ 109 $ — $ — $ 2,602 $ 109
Schedule of amortized cost, fair value and yield of securities available for sale and securities held to maturity by contractual maturity	The amortized cost, fair value and yield of securities available for sale and securities held to maturity by contractual maturity at June 30, 2015 and December 31, 2014 are shown below. The remaining contractual principal maturities do not consider possible prepayments. Remaining expected maturities will differ from contractual maturities because borrowers may have the right to prepay. Yields on securities have not been adjusted for tax exempt status. At June 30, 2015 At December 31, 2014 (Dollars in thousands) Amortized Cost Fair Value Yield Amortized Cost Fair Value Yield Securities available for sale: Due in one year or less $ 7 $ 7 9.65 % $ 4 $ 4 11.63 % Due in 1-5 years 51 51 3.30 76 76 4.53 Due in 5-10 years 116,458 116,849 2.03 86,806 87,594 1.93 Due after 10 years 518,491 512,763 2.52 374,744 375,620 2.78 No stated maturity 178 178 — — — — Total securities available for sale $ 635,185 $ 629,848 2.43 $ 461,630 $ 463,294 2.62 Securities held to maturity: Due in one year or less $ — $ — — % $ 500 $ 500 2.00 % Due in 1-5 years 1,500 1,500 2.80 2,500 2,500 3.08 Due in 5-10 years 1,900 1,900 3.00 400 400 3.00 Due after 10 years 205,511 209,947 2.64 211,054 218,933 2.64 Total securities held to maturity $ 208,911 $ 213,347 2.64 $ 214,454 $ 222,333 2.64

Loans and Leases (Tables)

Loans and Leases (Tables)	6 Months Ended
	Jun. 30, 2015
Receivables [Abstract]
Information about loans and leases	Loans and leases consisted of the following. (Dollars in thousands) At June 30, 2015 At December 31, 2014 Percent Change Consumer real estate: First mortgage lien $ 2,865,911 $ 3,139,152 (8.7 )% Junior lien 2,678,118 2,543,212 5.3 Total consumer real estate 5,544,029 5,682,364 (2.4 ) Commercial: Commercial real estate: Permanent 2,230,554 2,382,144 (6.4 ) Construction and development 305,240 242,111 26.1 Total commercial real estate 2,535,794 2,624,255 (3.4 ) Commercial business 576,550 533,410 8.1 Total commercial 3,112,344 3,157,665 (1.4 ) Leasing and equipment finance 3,791,215 3,745,322 1.2 Inventory finance 2,106,087 1,877,090 12.2 Auto finance 2,301,714 1,915,061 20.2 Other 21,852 24,144 (9.5 ) Total loans and leases (1) $ 16,877,241 $ 16,401,646 2.9 (1) Loans and leases are reported at historical cost including net direct fees and costs associated with originating and acquiring loans and leases, lease residuals, unearned income and unamortized purchase premiums and discounts. The aggregate amount of these loan and lease adjustments was $50.7 million and $43.4 million at June 30, 2015 and December 31, 2014 , respectively.

Allowance for Loan and Lease 27

Allowance for Loan and Lease Losses and Credit Quality Information (Tables)	6 Months Ended
	Jun. 30, 2015
Allowance for Loan and Lease Losses and Credit Quality Information
Allowance for loan and lease losses and other information	The following tables provide the allowance for loan and lease losses and other related information. TCF's key credit quality indicator is the receivable's payment performance status, defined as accruing or non-accruing. (In thousands) Consumer Commercial Leasing and Inventory Auto Other Total At or For the Three Months Ended June 30, 2015: Balance, beginning of period $ 80,292 $ 32,121 $ 17,921 $ 12,409 $ 20,426 $ 630 $ 163,799 Charge-offs (11,558 ) (2,581 ) (1,988 ) (821 ) (4,388 ) (1,648 ) (22,984 ) Recoveries 1,869 967 518 198 728 1,226 5,506 Net (charge-offs) recoveries (9,689 ) (1,614 ) (1,470 ) (623 ) (3,660 ) (422 ) (17,478 ) Provision for credit losses 5,061 (302 ) 1,218 (951 ) 7,096 406 12,528 Other (977 ) — — 44 (1,801 ) — (2,734 ) Balance, end of period $ 74,687 $ 30,205 $ 17,669 $ 10,879 $ 22,061 $ 614 $ 156,115 At or For the Three Months Ended June 30, 2014: Balance, beginning of period $ 169,367 $ 36,062 $ 18,623 $ 10,309 $ 12,062 $ 623 $ 247,046 Charge-offs (13,012 ) (3,721 ) (1,875 ) (183 ) (2,191 ) (1,993 ) (22,975 ) Recoveries 1,555 244 902 76 358 1,485 4,620 Net (charge-offs) recoveries (11,457 ) (3,477 ) (973 ) (107 ) (1,833 ) (508 ) (18,355 ) Provision for credit losses 4,106 (1,168 ) 1,534 (752 ) 5,521 668 9,909 Other (667 ) (56 ) — 89 (1,885 ) — (2,519 ) Balance, end of period $ 161,349 $ 31,361 $ 19,184 $ 9,539 $ 13,865 $ 783 $ 236,081 (In thousands) Consumer Commercial Leasing and Inventory Auto Other Total At or For the Six Months Ended June 30, 2015: Balance, beginning of period $ 85,361 $ 31,367 $ 18,446 $ 10,020 $ 18,230 $ 745 $ 164,169 Charge-offs (20,764 ) (3,457 ) (3,864 ) (1,349 ) (8,349 ) (3,325 ) (41,108 ) Recoveries 3,794 2,364 1,503 307 1,338 2,787 12,093 Net (charge-offs) recoveries (16,970 ) (1,093 ) (2,361 ) (1,042 ) (7,011 ) (538 ) (29,015 ) Provision for credit losses 7,880 (69 ) 1,584 2,081 13,436 407 25,319 Other (1,584 ) — — (180 ) (2,594 ) — (4,358 ) Balance, end of period $ 74,687 $ 30,205 $ 17,669 $ 10,879 $ 22,061 $ 614 $ 156,115 At or For the Six Months Ended June 30, 2014: Balance, beginning of period $ 176,030 $ 37,467 $ 18,733 $ 8,592 $ 10,623 $ 785 $ 252,230 Charge-offs (27,567 ) (5,366 ) (3,410 ) (350 ) (4,724 ) (3,895 ) (45,312 ) Recoveries 3,407 379 1,688 377 615 3,075 9,541 Net (charge-offs) recoveries (24,160 ) (4,987 ) (1,722 ) 27 (4,109 ) (820 ) (35,771 ) Provision for credit losses 11,185 (1,048 ) 2,173 925 10,348 818 24,401 Other (1,706 ) (71 ) — (5 ) (2,997 ) — (4,779 ) Balance, end of period $ 161,349 $ 31,361 $ 19,184 $ 9,539 $ 13,865 $ 783 $ 236,081
Allowance for loan and lease losses and balances by type of allowance methodology	The following tables provide information regarding the allowance for loan and lease losses and balances by type of allowance methodology. At June 30, 2015 (In thousands) Consumer Real Estate Commercial Leasing and Equipment Finance Inventory Finance Auto Finance Other Total Allowance for loan and lease losses: Collectively evaluated for impairment $ 48,378 $ 29,725 $ 16,196 $ 10,653 $ 20,313 $ 610 $ 125,875 Individually evaluated for impairment 26,309 480 1,473 226 1,748 4 30,240 Total $ 74,687 $ 30,205 $ 17,669 $ 10,879 $ 22,061 $ 614 $ 156,115 Loans and leases outstanding: Collectively evaluated for impairment $ 5,325,743 $ 3,028,092 $ 3,778,547 $ 2,103,188 $ 2,295,235 $ 21,833 $ 16,552,638 Individually evaluated for impairment 218,286 84,252 12,590 2,899 6,438 19 324,484 Loans acquired with deteriorated credit quality — — 78 — 41 — 119 Total $ 5,544,029 $ 3,112,344 $ 3,791,215 $ 2,106,087 $ 2,301,714 $ 21,852 $ 16,877,241 At December 31, 2014 (In thousands) Consumer Real Estate Commercial Leasing and Equipment Finance Inventory Finance Auto Finance Other Total Allowance for loan and lease losses: Collectively evaluated for impairment $ 57,167 $ 27,594 $ 16,310 $ 9,627 $ 17,046 $ 741 $ 128,485 Individually evaluated for impairment 28,194 3,773 2,136 393 1,184 4 35,684 Total $ 85,361 $ 31,367 $ 18,446 $ 10,020 $ 18,230 $ 745 $ 164,169 Loans and leases outstanding: Collectively evaluated for impairment $ 5,462,005 $ 3,038,378 $ 3,731,420 $ 1,874,481 $ 1,911,267 $ 24,055 $ 16,041,606 Individually evaluated for impairment 220,359 119,287 13,763 2,609 3,676 89 359,783 Loans acquired with deteriorated credit quality — — 139 — 118 — 257 Total $ 5,682,364 $ 3,157,665 $ 3,745,322 $ 1,877,090 $ 1,915,061 $ 24,144 $ 16,401,646
Information regarding accruing and non-accruing 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 June 30, 2015 (In thousands) Current-59 Days Delinquent and Accruing 60-89 Days Delinquent and Accruing 90 Days or More Delinquent and Accruing Total Accruing Non-accrual Total Consumer real estate: First mortgage lien $ 2,724,576 $ 9,033 $ 1,207 $ 2,734,816 $ 131,095 $ 2,865,911 Junior lien 2,639,364 1,995 — 2,641,359 36,759 2,678,118 Total consumer real estate 5,363,940 11,028 1,207 5,376,175 167,854 5,544,029 Commercial: Commercial real estate 2,519,036 — — 2,519,036 16,758 2,535,794 Commercial business 576,195 1 — 576,196 354 576,550 Total commercial 3,095,231 1 — 3,095,232 17,112 3,112,344 Leasing and equipment finance 3,776,725 2,147 274 3,779,146 11,440 3,790,586 Inventory finance 2,103,096 45 50 2,103,191 2,896 2,106,087 Auto finance 2,292,800 1,735 732 2,295,267 6,405 2,301,672 Other 21,824 12 13 21,849 3 21,852 Subtotal 16,653,616 14,968 2,276 16,670,860 205,710 16,876,570 Portfolios acquired with deteriorated credit quality 668 — 3 671 — 671 Total $ 16,654,284 $ 14,968 $ 2,279 $ 16,671,531 $ 205,710 $ 16,877,241 At December 31, 2014 (In thousands) Current-59 Days Delinquent and Accruing 60-89 Days Delinquent and Accruing 90 Days or More Delinquent and Accruing Total 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
Interest income recognized on loans and leases in non-accrual status and contractual interest	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. Three Months Ended Six Months Ended (In thousands) 2015 2014 2015 2014 Contractual interest due on non-accrual loans and leases $ 5,341 $ 6,359 $ 10,564 $ 13,549 Interest income recognized on non-accrual loans and leases 986 2,395 2,298 3,904 Unrecognized interest income $ 4,355 $ 3,964 $ 8,266 $ 9,645
Summary of consumer real estate loans to customers in bankruptcy	The following table provides information regarding consumer real estate loans to customers currently involved in ongoing Chapter 7 or Chapter 13 bankruptcy proceedings which have not yet been discharged. (In thousands) At June 30, 2015 At December 31, 2014 Consumer real estate loans to customers in bankruptcy: 0-59 days delinquent and accruing $ 33,726 $ 47,731 60+ days delinquent and accruing — 247 Non-accrual 19,006 12,284 Total consumer real estate loans to customers in bankruptcy $ 52,732 $ 60,262
Schedule of accruing loans that were restructured within 12 months and defaulted	The table below summarizes TDR loans that defaulted during the three and six months ended June 30, 2015 and 2014 , which were modified during the respective reporting period or within one year of the beginning of the respective reporting period. TCF considers a loan to have defaulted when it becomes 90 or more days delinquent under the modified terms, has been transferred to non-accrual status subsequent to the modification or has been transferred to other real estate owned or repossessed and returned assets. Three Months Ended June 30, Six Months Ended June 30, (Dollars in thousands) 2015 2014 2015 2014 Loan balance: (1) Consumer real estate: First mortgage lien $ 1,054 $ 561 $ 1,297 $ 2,056 Junior lien 197 662 486 1,642 Total consumer real estate 1,251 1,223 1,783 3,698 Commercial real estate — 1,023 — 3,814 Inventory finance — 7 — 7 Auto finance 202 66 383 125 Defaulted TDR loans modified during the applicable period $ 1,453 $ 2,319 $ 2,166 $ 7,644 Total TDR loans modified in the applicable period $ 71,641 $ 136,171 $ 78,986 $ 248,273 Defaulted modified TDR loans as a percent of total TDR loans modified in the applicable period 2.0 % 1.7 % 2.7 % 3.1 % (1) The loan balances presented are not materially different than the pre-modification loan balances as TCF's loan modifications generally do not forgive principal amounts.
Impaired loans included in previous amounts disclosed within performing and non-accrual loans and leases and loan modifications for borrowers with financial difficulties	The following table summarizes impaired loans. At June 30, 2015 At December 31, 2014 (In thousands) Unpaid Loan Related Unpaid Loan Related Impaired loans with an allowance recorded: Consumer real estate: First mortgage lien $ 152,706 $ 127,790 $ 19,260 $ 114,526 $ 101,668 $ 18,140 Junior lien 72,801 61,225 7,028 65,413 55,405 9,427 Total consumer real estate 225,507 189,015 26,288 179,939 157,073 27,567 Commercial: Commercial real estate 23,692 20,493 477 58,157 54,412 3,772 Commercial business 21 19 3 18 18 1 Total commercial 23,713 20,512 480 58,175 54,430 3,773 Leasing and equipment finance 6,179 6,179 646 8,257 8,257 1,457 Inventory finance 2,436 2,439 226 1,754 1,758 393 Auto finance 4,596 4,431 1,673 3,074 2,928 1,184 Other 17 19 4 92 89 4 Total impaired loans with an allowance recorded 262,448 222,595 29,317 251,291 224,535 34,378 Impaired loans without an allowance recorded: Consumer real estate: First mortgage lien 9,542 5,568 — 53,606 35,147 — Junior lien 25,635 20 — 33,796 7,398 — Total consumer real estate 35,177 5,588 — 87,402 42,545 — Commercial: Commercial real estate 46,538 40,743 — 57,809 50,500 — Commercial business 354 354 — 482 480 — Total commercial 46,892 41,097 — 58,291 50,980 — Inventory finance 456 460 — 848 851 — Auto finance 2,108 1,198 — 1,484 748 — Total impaired loans without an allowance recorded 84,633 48,343 — 148,025 95,124 — Total impaired loans $ 347,081 $ 270,938 $ 29,317 $ 399,316 $ 319,659 $ 34,378
Average balance of impaired loans and interest income recognized on impaired loans	The average loan balance of impaired loans and interest income recognized on impaired loans during the three and six months ended June 30, 2015 and 2014 are included within the table below. Three Months Ended Six Months Ended June 30, 2015 June 30, 2014 June 30, 2015 June 30, 2014 (In thousands) Average Loan Balance Interest Income Recognized Average Loan Balance Interest Income Recognized Average Loan Balance Interest Income Recognized Average Loan Balance Interest Income Recognized Impaired loans with an allowance recorded: Consumer real estate: First mortgage lien $ 115,432 $ 1,340 $ 518,048 $ 3,879 $ 114,729 $ 2,458 $ 518,031 $ 7,632 Junior lien 58,827 788 72,968 885 58,315 1,540 72,689 1,793 Total consumer real estate 174,259 2,128 591,016 4,764 173,044 3,998 590,720 9,425 Commercial: Commercial real estate 28,140 212 61,985 617 37,452 603 65,179 1,237 Commercial business 18 — 2,245 — 19 — 3,012 — Total commercial 28,158 212 64,230 617 37,471 603 68,191 1,237 Leasing and equipment finance 7,066 2 7,955 46 7,218 8 8,249 52 Inventory finance 5,516 42 904 42 2,099 49 4,009 71 Auto finance 3,980 — 670 — 3,680 — 571 — Other 19 1 85 2 53 1 90 3 Total impaired loans with an allowance recorded 218,998 2,385 664,860 5,471 223,565 4,659 671,830 10,788 Impaired loans without an allowance recorded: Consumer real estate: First mortgage lien 19,115 322 38,552 420 20,358 781 40,996 735 Junior lien 3,266 541 3,497 272 3,709 995 3,600 539 Total consumer real estate 22,381 863 42,049 692 24,067 1,776 44,596 1,274 Commercial: Commercial real estate 42,003 372 69,766 646 45,622 1,167 73,508 1,438 Commercial business 404 5 6,620 42 417 5 6,122 77 Total commercial 42,407 377 76,386 688 46,039 1,172 79,630 1,515 Inventory finance 662 43 772 35 655 55 566 45 Auto finance 1,077 — 492 — 973 — 398 — Total impaired loans without an allowance recorded 66,527 1,283 119,699 1,415 71,734 3,003 125,190 2,834 Total impaired loans $ 285,525 $ 3,668 $ 784,559 $ 6,886 $ 295,299 $ 7,662 $ 797,020 $ 13,622

Deposits (Tables)

Deposits (Tables)	6 Months Ended
	Jun. 30, 2015
Deposits [Abstract]
Summary of deposits	Deposits consisted of the following. At June 30, 2015 At December 31, 2014 (Dollars in thousands) Weighted-Average Rate Amount % of Total Weighted-Average Rate Amount % of Checking: Non-interest bearing — % $ 3,007,406 19.0 % — % $ 2,832,526 18.3 % Interest bearing 0.02 2,368,412 15.0 0.04 2,362,717 15.3 Total checking 0.01 5,375,818 34.0 0.02 5,195,243 33.6 Savings 0.08 4,968,398 31.4 0.15 5,212,320 33.7 Money market 0.64 2,286,773 14.4 0.54 1,993,130 13.0 Total checking, savings and money market 0.14 12,630,989 79.8 0.13 12,400,693 80.3 Certificates of deposit 0.85 3,196,230 20.2 0.78 3,049,189 19.7 Total deposits 0.28 $ 15,827,219 100.0 % 0.26 $ 15,449,882 100.0 %
Schedule of certificates of deposit remaining maturities	Certificates of deposit had the following remaining maturities at June 30, 2015 . (In thousands) Denominations $100 Thousand or Greater Denominations Less Than $100 Thousand Total Maturity: 0-3 months $ 138,773 $ 240,910 $ 379,683 4-6 months 223,143 303,873 527,016 7-12 months 610,228 690,992 1,301,220 13-24 months 396,800 479,018 875,818 Over 24 months 65,596 46,897 112,493 Total $ 1,434,540 $ 1,761,690 $ 3,196,230

Short-term Borrowings (Tables)

Short-term Borrowings (Tables)	6 Months Ended
	Jun. 30, 2015
Debt Disclosure [Abstract]
Schedule of selected information for short-term borrowings (borrowings with an original maturity of less than one year)	Selected information for short-term borrowings (borrowings with an original maturity of less than one year) consisted of the following. At June 30, 2015 At December 31, 2014 (Dollars in thousands) Amount Rate Amount Rate Period end balance: Securities sold under repurchase agreements $ 3,303 0.10 % $ 4,425 0.10 % Line of Credit - TCF Commercial Finance Canada, Inc. 4,002 1.90 — — Total $ 7,305 1.09 $ 4,425 0.10 Average daily balances for the year to date period ended: Federal Home Loan Bank advances $ — — % $ 74,385 0.26 % Federal funds purchased 254 0.43 375 0.40 Securities sold under repurchase agreements 5,517 0.21 5,956 0.18 Line of Credit - TCF Commercial Finance Canada, Inc. 2,353 2.06 2,957 1.88 Total $ 8,124 0.75 $ 83,673 0.31 Maximum month-end balances for the year to date period ended: Federal Home Loan Bank advances $ — N.A. $ 250,000 N.A. Securities sold under repurchase agreements 3,495 N.A. 4,425 N.A. Line of Credit - TCF Commercial Finance Canada, Inc. 5,519 N.A. 11,751 N.A. N.A. Not Applicable.

Long-term Borrowings (Tables)

Long-term Borrowings (Tables)	6 Months Ended
	Jun. 30, 2015
Debt Disclosure [Abstract]
Information about long-term borrowings	Long-term borrowings consisted of the following. At June 30, 2015 At December 31, 2014 (Dollars in thousands) Stated Maturity Amount Stated Rate Amount Stated Rate Federal Home Loan Bank advances 2015 $ 125,000 0.37 % - 0.38 % 2016 $ 447,000 0.36 % - 1.17 % 547,000 0.25 - 1.17 2017 325,000 0.23 - 0.24 275,000 0.25 Subtotal 772,000 947,000 Subordinated bank notes 2016 74,962 5.50 74,930 5.50 2022 109,238 6.25 109,194 6.25 2025 149,088 4.60 — — Hedge-related basis adjustment (1) (3,563 ) — Subtotal 329,725 184,124 Discounted lease rentals 2015 19,630 2.39 - 7.95 32,904 2.39 - 7.95 2016 35,165 2.39 - 7.95 27,539 2.39 - 7.95 2017 28,470 2.45 - 7.95 20,580 2.45 - 7.95 2018 14,879 2.53 - 7.95 9,032 2.63 - 7.95 2019 5,070 2.53 - 5.05 2,589 2.63 - 5.05 2020 324 3.04 - 4.57 160 4.57 2021 83 4.57 83 4.57 Subtotal 103,621 92,887 Other long-term 2015 2,670 1.36 2016 2,648 1.36 2,642 1.36 2017 2,742 1.36 2,742 1.36 Subtotal 5,390 8,054 Total long-term borrowings $ 1,210,736 $ 1,232,065 (1) Related to subordinated bank notes with a stated maturity of 2025 at June 30, 2015 .

Regulatory Capital Requiremen31

Regulatory Capital Requirements (Tables)	6 Months Ended
	Jun. 30, 2015
Regulatory Capital Requirements [Abstract]
Schedule of regulatory capital information for TCF and TCF Bank	The following table presents regulatory capital information for TCF and TCF Bank. Information presented for June 30, 2015 reflects the transition to the Basel III capital standard from previous regulatory capital adequacy guidelines under the Basel I framework. The Basel III capital standard phases in through 2019 and revises the definition of capital, increases minimum capital ratios, introduces regulatory capital buffers above those minimums, introduces a common equity Tier 1 capital ratio and revises the rules for calculating risk-weighted assets. Banks that are not advanced approaches institutions may make a one-time election to opt out of the requirement to include components of accumulated other comprehensive income (loss) in common equity Tier 1 capital. TCF has elected to opt-out of the accumulated other comprehensive income (loss) requirement. TCF TCF Bank (Dollars in thousands) June 30, 2015 December 31, 2014 June 30, 2015 December 31, 2014 Well-capitalized Standard Minimum Capital Requirement Regulatory Capital: Common equity Tier 1 capital $ 1,732,437 N.A. $ 1,912,587 N.A. Tier 1 capital 2,013,347 $ 1,919,887 1,932,098 $ 1,836,019 Total capital 2,407,268 2,209,999 2,349,196 2,126,131 Regulatory Capital Ratios: Common equity Tier 1 capital ratio 9.97 % N.A 11.01 % N.A. 6.50 % 4.50 % Tier 1 risk-based capital ratio 11.59 11.76 % 11.13 11.25 % 8.00 6.00 Total risk-based capital ratio 13.86 13.54 13.53 13.03 10.00 8.00 Tier 1 leverage ratio 10.22 10.07 9.81 9.63 5.00 4.00 N.A. Not Applicable.

Stock Compensation (Tables)

Stock Compensation (Tables)	6 Months Ended
	Jun. 30, 2015
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
Restricted stock and stock option transactions under the Company Financial Incentive Stock Program	The following table reflects TCF's restricted stock and stock option transactions under the TCF Financial Incentive Stock Program and TCF Financial 2015 Omnibus Incentive Plan during the six months ended June 30, 2015 . Restricted Stock Stock Options Shares Price Range Weighted- Average Grant Date Fair Value Shares Price Range Weighted- Average Remaining Contractual Life in Years Weighted- Average Exercise Price Outstanding at December 31, 2014 2,858,494 $ 6.16 - $ 16.02 $ 12.73 1,579,000 $ 12.85 - $ 15.75 2.98 $ 13.91 Granted 680,933 14.17 - 16.28 14.44 — — - — — — Exercised — — - — — (200,000 ) 12.85 - 12.85 — 12.85 Forfeited/canceled (129,747 ) 6.80 - 15.96 13.18 — — - — — — Vested (188,944 ) 9.65 - 15.96 13.10 — — - — — — Outstanding at June 30, 2015 3,220,736 6.16 - 16.28 13.05 1,379,000 12.85 - 15.75 2.67 14.07 Exercisable at June 30, 2015 N.A. N.A. 1,379,000 12.85 - 15.75 14.07 N.A. Not Applicable

Employee Benefit Plans (Tables)

Employee Benefit Plans (Tables)	6 Months Ended
	Jun. 30, 2015
Compensation and Retirement Disclosure [Abstract]
Schedule of net periodic benefit cost included in compensation and employee benefits expense for cash balance Pension Plan and Postretirement Plan	The following tables set forth the net periodic benefit plan (income) cost included in compensation and employee benefits expense for the TCF Cash Balance Pension Plan (the "Pension Plan") and health care benefits for eligible retired employees (the "Postretirement Plan") for the three and six months ended June 30, 2015 and 2014 . Pension Plan Three Months Ended June 30, Six Months Ended June 30, (In thousands) 2015 2014 2015 2014 Interest cost $ 304 $ 397 $ 608 $ 794 Return on plan assets (160 ) (183 ) (320 ) (366 ) Net periodic benefit plan (income) cost $ 144 $ 214 $ 288 $ 428 Postretirement Plan Three Months Ended June 30, Six Months Ended June 30, (In thousands) 2015 2014 2015 2014 Interest cost $ 38 $ 50 $ 76 $ 99 Amortization of prior service cost (11 ) (11 ) (23 ) (23 ) Net periodic benefit plan (income) cost $ 27 $ 39 $ 53 $ 76

Derivative Instruments (Tables)

Derivative Instruments (Tables)	6 Months Ended
	Jun. 30, 2015
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Summary of derivative instruments	The following tables summarize TCF's outstanding derivative instruments as of June 30, 2015 and December 31, 2014 . See Note 13 , Fair Value Disclosures , for additional information. At June 30, 2015 (In thousands) Notional Amount Gross Amounts Recognized Gross Amounts Offset Net Amount Presented (1) Derivative Assets: Derivatives designated as hedges: Forward foreign exchange contracts $ 45,857 $ 144 $ — $ 144 Derivatives not designated as hedges: Forward foreign exchange contracts 408,953 4,984 — 4,984 Interest rate contracts 91,729 1,722 — 1,722 Interest rate lock commitments 26,145 455 — 455 Total derivative assets $ 7,305 $ — $ 7,305 Derivative Liabilities: Derivatives designated as hedges: Interest rate contracts $ 150,000 $ 4,267 $ (4,267 ) $ — Derivatives not designated as hedges: Interest rate contracts 91,729 1,787 (1,787 ) — Other contracts 13,804 465 (465 ) — Total derivative liabilities $ 6,519 $ (6,519 ) $ — At December 31, 2014 (In thousands) Notional Amount Gross Amounts Recognized Gross Amounts Offset Net Amount Presented (1) Derivative Assets: Derivatives designated as hedges: Forward foreign exchange contracts $ 42,165 $ 509 $ — $ 509 Derivatives not designated as hedges: Forward foreign exchange contracts 275,962 2,702 (1,179 ) 1,523 Interest rate contracts 101,166 1,798 — 1,798 Interest rate lock commitments 15,124 285 — 285 Total derivative assets $ 5,294 $ (1,179 ) $ 4,115 Derivative Liabilities: Derivatives not designated as hedges: Forward foreign exchange contracts $ 189,310 $ 177 $ (29 ) $ 148 Interest rate contracts 101,166 1,877 (1,877 ) — Other contracts 13,804 621 (621 ) — Total derivative liabilities $ 2,675 $ (2,527 ) $ 148 (1) All amounts were offset in the Consolidated Statements of Financial Condition.
Schedule of pre-tax impact of derivative activity	The following table summarizes the pre-tax impact of derivative activity within the Consolidated Statements of Income and the Consolidated Statements of Comprehensive Income. Three Months Ended June 30, Six Months Ended June 30, (In thousands) Income Statement Location 2015 2014 2015 2014 Consolidated Statements of Income Fair value hedges: Interest rate contracts Non-interest income $ (5,541 ) $ — $ (4,267 ) $ — Non-derivative hedged items Non-interest income 4,690 — 3,563 — Not designated as hedges: Forward foreign exchange contracts Non-interest expense (8,168 ) (15,848 ) 29,292 (651 ) Interest rate lock commitments Non-interest income (135 ) — 170 — Interest rate contracts Non-interest income 41 (30 ) 20 (50 ) Net realized gain (loss) $ (9,113 ) $ (15,878 ) $ 28,778 $ (701 ) Consolidated Statements of Comprehensive Income Net investment hedges: Forward foreign exchange contracts Other comprehensive income (loss) $ (674 ) $ (1,382 ) $ 2,914 $ (172 ) Net unrealized gain (loss) $ (674 ) $ (1,382 ) $ 2,914 $ (172 )

Fair Values Disclosures (Tables

Fair Values Disclosures (Tables)	6 Months Ended
	Jun. 30, 2015
Fair Value Disclosures [Abstract]
Balances of assets and liabilities measured at fair value on a recurring and non-recurring basis	The following tables present the balances of assets and liabilities measured at fair value on a recurring and non-recurring basis. Fair Value Measurements at June 30, 2015 (In thousands) Level 1 Level 2 Level 3 Total Recurring Fair Value Measurements: Securities available for sale: Mortgage-backed securities: U.S. Government sponsored enterprises and federal agencies $ — $ 591,907 $ — $ 591,907 Other — — 45 45 Obligations of states and political subdivisions — 37,718 — 37,718 Other securities 178 — — 178 Loans and leases held for sale — — 4,962 4,962 Forward foreign exchange contracts (1) — 5,128 — 5,128 Interest rate contracts (1) — 1,722 — 1,722 Interest rate lock commitments (1) — — 455 455 Forward loan sales commitments — — 52 52 Assets held in trust for deferred compensation plans 19,435 — — 19,435 Total assets $ 19,613 $ 636,475 $ 5,514 $ 661,602 Interest rate contracts (1) $ — $ 6,054 $ — $ 6,054 Forward loan sales commitments — — 57 57 Liabilities held in trust for deferred compensation plans 19,435 — — 19,435 Other contracts (1) — — 465 465 Total liabilities $ 19,435 $ 6,054 $ 522 $ 26,011 Non-recurring Fair Value Measurements: Securities held to maturity $ — $ — $ 1,332 $ 1,332 Loans — — 149,037 149,037 Interest-only strips — — 4,505 4,505 Other real estate owned: Consumer — — 39,140 39,140 Commercial — — 3,622 3,622 Repossessed and returned assets — 2,609 1,302 3,911 Total non-recurring fair value measurements $ — $ 2,609 $ 198,938 $ 201,547 (1) As permitted under GAAP, TCF has elected to net derivative receivables and derivative payables when a legally enforceable master netting agreement exists as well as the related cash collateral received and paid. For purposes of this table, the derivative receivable and derivative payable balances are presented gross of this netting adjustment. Fair Value Measurements at December 31, 2014 (In thousands) Level 1 Level 2 Level 3 Total Recurring Fair Value Measurements: Securities available for sale: Mortgage-backed securities: U.S. Government sponsored enterprises and federal agencies $ — $ 463,239 $ — $ 463,239 Other — — 55 55 Loans and leases held for sale — — 3,308 3,308 Forward foreign exchange contracts (1) — 3,211 — 3,211 Interest rate contracts (1) — 1,798 — 1,798 Interest rate lock commitments (1) — — 285 285 Forward loan sales commitments — — 19 19 Assets held in trust for deferred compensation plans 18,703 — — 18,703 Total assets $ 18,703 $ 468,248 $ 3,667 $ 490,618 Forward foreign exchange contracts (1) $ — $ 177 $ — $ 177 Interest rate contracts (1) — 1,877 — 1,877 Forward loan sales commitments — — 42 42 Liabilities held in trust for deferred compensation plans 18,703 — — 18,703 Other contracts (1) — — 621 621 Total liabilities $ 18,703 $ 2,054 $ 663 $ 21,420 Non-recurring Fair Value Measurements: Securities held to maturity $ — $ — $ 1,516 $ 1,516 Loans — — 164,897 164,897 Interest-only strips — — 41,204 41,204 Other real estate owned: Consumer — — 40,502 40,502 Commercial — 4,839 8,866 13,705 Repossessed and returned assets — 1,563 1,425 2,988 Total non-recurring fair value measurements $ — $ 6,402 $ 258,410 $ 264,812 (1) As permitted under GAAP, TCF has elected to net derivative receivables and derivative payables when a legally enforceable master netting agreement exists as well as the related cash collateral received and paid. For purposes of this table, the derivative receivable and derivative payable balances are presented gross of this netting adjustment.
Schedule of reconciliation of the net derivative assets and liabilities measured at fair value on a recurring basis	The following table presents changes in Level 3 assets and liabilities measured at fair value on a recurring basis. (In thousands) Securities Available for Sale Loans and Leases Held for Sale Interest Rate Lock Commitments Forward Loan Sales Commitments Other Contracts At or For the Three Months Ended June 30, 2015: Asset (liability) balance, beginning of period $ 50 $ 6,248 $ 589 $ (113 ) $ (544 ) Total net gains (losses) included in: Net income — (58 ) (134 ) 108 — Sales — (74,489 ) — — — Originations — 73,261 — — — Principal paydowns / settlements (5 ) — — — 79 Asset (liability) balance, end of period $ 45 $ 4,962 $ 455 $ (5 ) $ (465 ) At or For the Three Months Ended June 30, 2014: Asset (liability) balance, beginning of period $ 87 $ — $ — $ — $ (819 ) Principal paydowns / settlements (6 ) — — — 82 Asset (liability) balance, end of period $ 81 $ — $ — $ — $ (737 ) (In thousands) Securities Available for Sale Loans and Leases Held for Sale Interest Rate Lock Commitments Forward Loan Sales Commitments Other Contracts At or For the Six Months Ended June 30, 2015: Asset (liability) balance, beginning of period $ 55 $ 3,308 $ 285 $ (23 ) $ (621 ) Total net gains (losses) included in: Net income — 32 170 18 — Sales — (136,264 ) — — — Originations — 137,886 — — — Principal paydowns / settlements (10 ) — — — 156 Asset (liability) balance, end of period $ 45 $ 4,962 $ 455 $ (5 ) $ (465 ) At or For the Six Months Ended June 30, 2014: Asset (liability) balance, beginning of period $ 93 $ — $ — $ — $ (899 ) Principal paydowns / settlements (12 ) — — — 162 Asset (liability) balance, end of period $ 81 $ — $ — $ — $ (737 )
Schedule of reconciliation of the assets measured at fair value on a recurring basis	The following table presents changes in Level 3 assets and liabilities measured at fair value on a recurring basis. (In thousands) Securities Available for Sale Loans and Leases Held for Sale Interest Rate Lock Commitments Forward Loan Sales Commitments Other Contracts At or For the Three Months Ended June 30, 2015: Asset (liability) balance, beginning of period $ 50 $ 6,248 $ 589 $ (113 ) $ (544 ) Total net gains (losses) included in: Net income — (58 ) (134 ) 108 — Sales — (74,489 ) — — — Originations — 73,261 — — — Principal paydowns / settlements (5 ) — — — 79 Asset (liability) balance, end of period $ 45 $ 4,962 $ 455 $ (5 ) $ (465 ) At or For the Three Months Ended June 30, 2014: Asset (liability) balance, beginning of period $ 87 $ — $ — $ — $ (819 ) Principal paydowns / settlements (6 ) — — — 82 Asset (liability) balance, end of period $ 81 $ — $ — $ — $ (737 ) (In thousands) Securities Available for Sale Loans and Leases Held for Sale Interest Rate Lock Commitments Forward Loan Sales Commitments Other Contracts At or For the Six Months Ended June 30, 2015: Asset (liability) balance, beginning of period $ 55 $ 3,308 $ 285 $ (23 ) $ (621 ) Total net gains (losses) included in: Net income — 32 170 18 — Sales — (136,264 ) — — — Originations — 137,886 — — — Principal paydowns / settlements (10 ) — — — 156 Asset (liability) balance, end of period $ 45 $ 4,962 $ 455 $ (5 ) $ (465 ) At or For the Six Months Ended June 30, 2014: Asset (liability) balance, beginning of period $ 93 $ — $ — $ — $ (899 ) Principal paydowns / settlements (12 ) — — — 162 Asset (liability) balance, end of period $ 81 $ — $ — $ — $ (737 )
Fair value, option, quantitative disclosures	The following table presents the difference between the aggregate fair value and aggregate unpaid principal balance of these loans held for sale. (In thousands) At June 30, 2015 At December 31, 2014 Fair value carrying amount $ 4,962 $ 3,308 Aggregate unpaid principal amount 4,840 3,205 Fair value carrying amount less aggregate unpaid principal $ 122 $ 103
Fair value of assets and liabilities, including hierarchy level	The following tables present the carrying amounts and estimated fair values of the Company's financial instruments, excluding short-term financial assets and liabilities as their carrying amounts approximate fair value and excluding financial instruments recorded at fair value on a recurring basis. This information represents only a portion of TCF's balance sheet and not the estimated value of the Company as a whole. Non-financial instruments such as the intangible value of TCF's branches and core deposits, leasing operations, goodwill, premises and equipment and the future revenues from TCF's customers are not reflected in this disclosure. Therefore, this information is of limited use in assessing the value of TCF. Carrying Amount Estimated Fair Value at June 30, 2015 (In thousands) Level 1 Level 2 Level 3 Total Financial instrument assets: Investments $ 78,518 $ — $ 78,518 $ — $ 78,518 Securities held to maturity 208,911 — 208,615 4,732 213,347 Loans and leases held for sale 200,034 — — 211,733 211,733 Loans: Consumer real estate 5,544,029 — — 5,662,803 5,662,803 Commercial real estate 2,535,794 — — 2,480,050 2,480,050 Commercial business 576,550 — — 555,120 555,120 Equipment finance 1,836,808 — — 1,821,704 1,821,704 Inventory finance 2,106,087 — — 2,092,911 2,092,911 Auto finance 2,301,714 — — 2,315,076 2,315,076 Other 21,852 — — 19,585 19,585 Allowance for loan losses (1) (156,115 ) — — — — Interest-only strips (2) 55,944 — — 59,135 59,135 Total financial instrument assets $ 15,310,126 $ — $ 287,133 $ 15,222,849 $ 15,509,982 Financial instrument liabilities: Deposits $ 15,827,219 $ 12,630,989 $ 3,213,957 $ — $ 15,844,946 Long-term borrowings 1,210,736 — 1,217,737 5,390 1,223,127 Total financial instrument liabilities $ 17,037,955 $ 12,630,989 $ 4,431,694 $ 5,390 $ 17,068,073 Financial instruments with off-balance sheet risk: (3) Commitments to extend credit $ 24,627 $ — $ 24,627 $ — $ 24,627 Standby letters of credit (64 ) — (64 ) — (64 ) Total financial instruments with off-balance sheet risk $ 24,563 $ — $ 24,563 $ — $ 24,563 (1) Expected credit losses are included in the estimated fair values. (2) Carrying amounts are included in other assets. (3) Positive amounts represent assets, negative amounts represent liabilities. Carrying Amount Estimated Fair Value at December 31, 2014 (In thousands) Level 1 Level 2 Level 3 Total Financial instrument assets: Investments $ 85,492 $ — $ 85,492 $ — $ 85,492 Securities held to maturity 214,454 — 217,418 4,916 222,334 Loans and leases held for sale 132,266 — — 139,370 139,370 Loans: Consumer real estate 5,682,364 — — 5,836,770 5,836,770 Commercial real estate 2,624,255 — — 2,575,625 2,575,625 Commercial business 533,410 — — 512,083 512,083 Equipment finance 1,806,808 — — 1,787,271 1,787,271 Inventory finance 1,877,090 — — 1,864,786 1,864,786 Auto finance 1,915,061 — — 1,927,384 1,927,384 Other 24,144 — — 18,724 18,724 Allowance for loan losses (1) (164,169 ) — — — — Interest-only strips (2) 69,789 — — 73,058 73,058 Total financial instrument assets $ 14,800,964 $ — $ 302,910 $ 14,739,987 $ 15,042,897 Financial instrument liabilities: Deposits $ 15,449,882 $ 12,400,693 $ 3,063,850 $ — $ 15,464,543 Long-term borrowings 1,232,065 — 1,246,221 8,054 1,254,275 Total financial instrument liabilities $ 16,681,947 $ 12,400,693 $ 4,310,071 $ 8,054 $ 16,718,818 Financial instruments with off-balance sheet risk: (3) Commitments to extend credit $ 25,885 $ — $ 25,885 $ — $ 25,885 Standby letters of credit (47 ) — (47 ) — (47 ) Total financial instruments with off-balance sheet risk $ 25,838 $ — $ 25,838 $ — $ 25,838 (1) Expected credit losses are included in the estimated fair values. (2) Carrying amounts are included in other assets. (3) Positive amounts represent assets, negative amounts represent liabilities.

Earnings Per Common Share (Tabl

Earnings Per Common Share (Tables)	6 Months Ended
	Jun. 30, 2015
Earnings Per Share [Abstract]
Computation of basic and diluted earnings per common share	TCF's restricted stock awards that pay non-forfeitable common stock dividends meet the criteria of a participating security. Accordingly, earnings per share is calculated using the two-class method, under which earnings are allocated to both common shares and participating securities. Three Months Ended Six Months Ended (Dollars in thousands, except per-share data) 2015 2014 2015 2014 Basic Earnings Per Common Share: Net income available to common stockholders $ 47,408 $ 48,278 $ 82,362 $ 88,188 Earnings allocated to participating securities 11 12 22 23 Earnings allocated to common stock $ 47,397 $ 48,266 $ 82,340 $ 88,165 Weighted-average common shares outstanding for basic earnings per common share 165,588,846 163,252,550 165,219,090 163,011,047 Basic earnings per common share $ 0.29 $ 0.30 $ 0.50 $ 0.54 Diluted Earnings Per Common Share: Earnings allocated to common stock $ 47,397 $ 48,266 $ 82,340 $ 88,165 Weighted-average common shares outstanding used in basic earnings per common share calculation 165,588,846 163,252,550 165,219,090 163,011,047 Net dilutive effect of: Non-participating restricted stock 302,079 202,475 297,035 214,186 Stock options 226,952 259,211 227,594 265,335 Weighted-average common shares outstanding for diluted earnings per common share 166,117,877 163,714,236 165,743,719 163,490,568 Diluted earnings per common share $ 0.29 $ 0.29 $ 0.50 $ 0.54

Business Segments (Tables)

Business Segments (Tables)	6 Months Ended
	Jun. 30, 2015
Segment Reporting [Abstract]
Reportable segments, including a reconciliation of consolidated totals	The following tables set forth certain information for each of TCF's reportable segments, including a reconciliation of TCF's consolidated totals. (In thousands) Lending Funding Support Services Eliminations Consolidated At or For the Three Months Ended June 30, 2015: Net interest income $ 155,920 $ 50,926 $ 49 $ (866 ) $ 206,029 Provision for credit losses 11,948 580 — — 12,528 Non-interest income 60,526 52,895 28,404 (28,376 ) 113,449 Non-interest expense 114,530 108,583 28,372 (28,376 ) 223,109 Income tax expense (benefit) 32,266 (1,982 ) (516 ) (866 ) 28,902 Income (loss) after income tax expense (benefit) 57,702 (3,360 ) 597 — 54,939 Income attributable to non-controlling interest 2,684 — — — 2,684 Preferred stock dividends — — 4,847 — 4,847 Net income (loss) available to common stockholders $ 55,018 $ (3,360 ) $ (4,250 ) $ — $ 47,408 Total assets $ 17,430,400 $ 7,038,178 $ 187,530 $ (4,829,758 ) $ 19,826,350 Revenues from external customers: Interest income $ 217,022 $ 6,059 $ — $ — $ 223,081 Non-interest income 60,526 52,882 41 — 113,449 Total $ 277,548 $ 58,941 $ 41 $ — $ 336,530 At or For the Three Months Ended June 30, 2014: Net interest income $ 149,377 $ 57,422 $ 56 $ (754 ) $ 206,101 Provision for credit losses 9,120 789 — — 9,909 Non-interest income 47,191 55,969 34,021 (33,165 ) 104,016 Non-interest expense 105,109 108,304 32,947 (33,165 ) 213,195 Income tax expense (benefit) 29,837 1,628 674 (754 ) 31,385 Income (loss) after income tax expense (benefit) 52,502 2,670 456 — 55,628 Income attributable to non-controlling interest 2,503 — — — 2,503 Preferred stock dividends — — 4,847 — 4,847 Net income (loss) available to common stockholders $ 49,999 $ 2,670 $ (4,391 ) $ — $ 48,278 Total assets $ 16,659,897 $ 8,697,212 $ 176,026 $ (6,695,358 ) $ 18,837,777 Revenues from external customers: Interest income $ 214,549 $ 5,542 $ — $ — $ 220,091 Non-interest income 47,191 55,954 871 — 104,016 Total $ 261,740 $ 61,496 $ 871 $ — $ 324,107 (In thousands) Lending Funding Support Services Eliminations Consolidated At or For the Six Months Ended June 30, 2015: Net interest income $ 309,348 $ 101,717 $ 71 $ (1,687 ) $ 409,449 Provision for credit losses 24,579 740 — — 25,319 Non-interest income 109,089 103,103 60,361 (58,466 ) 214,087 Non-interest expense 227,030 220,374 60,938 (58,466 ) 449,876 Income tax expense (benefit) 59,745 (5,942 ) (386 ) (1,687 ) 51,730 Income (loss) after income tax expense (benefit) 107,083 (10,352 ) (120 ) — 96,611 Income attributable to non-controlling interest 4,555 — — — 4,555 Preferred stock dividends — — 9,694 — 9,694 Net income (loss) available to common stockholders $ 102,528 $ (10,352 ) $ (9,814 ) $ — $ 82,362 Total assets $ 17,430,400 $ 7,038,178 $ 187,530 $ (4,829,758 ) $ 19,826,350 Revenues from external customers: Interest income $ 431,101 $ 11,774 $ — $ — $ 442,875 Non-interest income 109,089 103,077 1,921 — 214,087 Total $ 540,190 $ 114,851 $ 1,921 $ — $ 656,962 At or For the Six Months Ended June 30, 2014: Net interest income $ 294,197 $ 114,640 $ 54 $ (1,516 ) $ 407,375 Provision for credit losses 23,357 1,044 — — 24,401 Non-interest income 98,489 107,629 67,781 (66,476 ) 207,423 Non-interest expense 210,841 216,808 69,158 (66,476 ) 430,331 Income tax expense (benefit) 57,750 1,702 28 (1,516 ) 57,964 Income (loss) after income tax expense (benefit) 100,738 2,715 (1,351 ) — 102,102 Income attributable to non-controlling interest 4,220 — — — 4,220 Preferred stock dividends — — 9,694 — 9,694 Net income (loss) available to common stockholders $ 96,518 $ 2,715 $ (11,045 ) $ — $ 88,188 Total assets $ 16,659,897 $ 8,697,212 $ 176,026 $ (6,695,358 ) $ 18,837,777 Revenues from external customers: Interest income $ 423,781 $ 10,937 $ — $ — $ 434,718 Non-interest income 98,489 107,599 1,335 — 207,423 Total $ 522,270 $ 118,536 $ 1,335 $ — $ 642,141

Accumulated Other Comprehensi38

Accumulated Other Comprehensive Income (Loss) (Tables)	6 Months Ended
	Jun. 30, 2015
Comprehensive Income (Loss), Net of Tax, Attributable to Parent [Abstract]
Summary of components of other comprehensive income and the related tax effects	The components of other comprehensive income (loss) and the related tax effects are presented in the table below. Three Months Ended June 30, 2015 2014 (In thousands) Before Tax Tax Effect Net of Tax Before Tax Tax Effect Net of Tax Securities available for sale: Unrealized gains (losses) arising during the period $ (11,140 ) $ 4,207 $ (6,933 ) $ 8,648 $ (3,257 ) $ 5,391 Reclassification of net (gains) losses to net income 286 (108 ) 178 (452 ) 170 (282 ) Net unrealized gains (losses) (10,854 ) 4,099 (6,755 ) 8,196 (3,087 ) 5,109 Net investment hedges: Unrealized gains (losses) arising during the period (674 ) 254 (420 ) (1,382 ) 522 (860 ) Foreign currency translation adjustment: (1) Unrealized gains (losses) arising during the period 617 — 617 1,399 — 1,399 Recognized postretirement prior service cost: Reclassification of net (gains) losses to net income (11 ) 5 (6 ) (11 ) 4 (7 ) Total other comprehensive income (loss) $ (10,922 ) $ 4,358 $ (6,564 ) $ 8,202 $ (2,561 ) $ 5,641 Six Months Ended June 30, 2015 2014 (In thousands) Before Tax Tax Effect Net of Tax Before Tax Tax Effect Net of Tax Securities available for sale: Unrealized gains (losses) arising during the period $ (7,001 ) $ 2,644 $ (4,357 ) $ 20,514 $ (7,725 ) $ 12,789 Reclassification of net (gains) losses to net income 590 (223 ) 367 (629 ) 236 (393 ) Net unrealized gains (losses) (6,411 ) 2,421 (3,990 ) 19,885 (7,489 ) 12,396 Net investment hedges: Unrealized gains (losses) arising during the period 2,914 (1,101 ) 1,813 (172 ) 65 (107 ) Foreign currency translation adjustment: (1) Unrealized gains (losses) arising during the period (3,269 ) — (3,269 ) 23 — 23 Recognized postretirement prior service cost: Reclassification of net (gains) losses to net income (23 ) 9 (14 ) (23 ) 9 (14 ) Total other comprehensive income (loss) $ (6,789 ) $ 1,329 $ (5,460 ) $ 19,713 $ (7,415 ) $ 12,298 (1) Foreign investments are deemed to be permanent in nature and therefore TCF does not provide for taxes on foreign currency translation adjustments.
Schedule of accumulated other comprehensive income	Accumulated other comprehensive income (loss) balances are presented in the table below. (In thousands) Securities Available for Sale Net Investment Hedges Foreign Currency Translation Adjustment Recognized Postretirement Prior Service Cost Total At or For the Three Months Ended June 30, 2015: Balance, beginning of period $ (6,126 ) $ 4,769 $ (8,646 ) $ 197 $ (9,806 ) Other comprehensive income (loss) (6,933 ) (420 ) 617 — (6,736 ) Amounts reclassified from accumulated other comprehensive income (loss) 178 — — (6 ) 172 Net other comprehensive income (loss) (6,755 ) (420 ) 617 (6 ) (6,564 ) Balance, end of period $ (12,881 ) $ 4,349 $ (8,029 ) $ 191 $ (16,370 ) At or For the Three Months Ended June 30, 2014: Balance, beginning of period $ (19,696 ) $ 1,344 $ (2,432 ) $ 228 $ (20,556 ) Other comprehensive income (loss) 5,391 (860 ) 1,399 — 5,930 Amounts reclassified from accumulated other comprehensive income (loss) (282 ) — — (7 ) (289 ) Net other comprehensive income (loss) 5,109 (860 ) 1,399 (7 ) 5,641 Balance, end of period $ (14,587 ) $ 484 $ (1,033 ) $ 221 $ (14,915 ) (In thousands) Securities Available for Sale Net Investment Hedges Foreign Currency Translation Adjustment Recognized Postretirement Prior Service Cost Total At or For the Six Months Ended June 30, 2015: Balance, beginning of period $ (8,891 ) $ 2,536 $ (4,760 ) $ 205 $ (10,910 ) Other comprehensive income (loss) (4,357 ) 1,813 (3,269 ) — (5,813 ) Amounts reclassified from accumulated other comprehensive income (loss) 367 — — (14 ) 353 Net other comprehensive income (loss) (3,990 ) 1,813 (3,269 ) (14 ) (5,460 ) Balance, end of period $ (12,881 ) $ 4,349 $ (8,029 ) $ 191 $ (16,370 ) At or For the Six Months Ended June 30, 2014: Balance, beginning of period $ (26,983 ) $ 591 $ (1,056 ) $ 235 $ (27,213 ) Other comprehensive income (loss) 12,789 (107 ) 23 — 12,705 Amounts reclassified from accumulated other comprehensive income (loss) (393 ) — — (14 ) (407 ) Net other comprehensive income (loss) 12,396 (107 ) 23 (14 ) 12,298 Balance, end of period $ (14,587 ) $ 484 $ (1,033 ) $ 221 $ (14,915 )

Cash and Due from Banks (Detail

Cash and Due from Banks (Details) - USD ($) $ in Millions	Jun. 30, 2015	Dec. 31, 2014
Cash and Cash Equivalents [Abstract]
Reserve in cash on hand or at the Federal Reserve as required by Federal Reserve regulations	$ 102.2	$ 98.7
Total restricted cash balance	78.7	67.8
Interest-bearing Deposits in Banks and Other Financial Institutions	$ 622.5	$ 842.1

Securities Available for Sale40

Securities Available for Sale and Securities Held to Maturity (Details) - USD ($)	3 Months Ended	6 Months Ended		12 Months Ended
	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014	Dec. 31, 2014
Securities available for sale:
Amortized Cost		$ 635,185,000		$ 461,630,000
Gross Unrealized Gains		1,182,000		2,405,000
Gross Unrealized Losses		6,519,000		741,000
Fair Value		$ 629,848,000		$ 463,294,000
Weighted-average yield (as a percent)		2.43%		2.62%
Gross gains recognized on sales of securities	$ 800,000	$ 0	$ 1,100,000
Impairment charges		0	0
Securities held to maturity:
Amortized Cost		208,911,000		$ 214,454,000
Gross Unrealized Gains		4,596,000		7,988,000
Gross Unrealized Losses		160,000		109,000
Fair Value		$ 213,347,000		$ 222,333,000
Weighted-average yield (as a percent)		2.64%		2.64%
Unrealized holding loss on the transferred securities retained in accumulated other comprehensive income		$ 15,400,000		$ 16,000,000
Impairment charge on held to maturity securities		100,000		0
Mortgage-backed securities:
Securities available for sale:
Securities available for sale pledged as collateral		7,600,000		8,200,000
Securities held to maturity:
Value of available for sale mortgage-backed securities transferred to held to maturity	$ 191,700,000	0	$ 191,700,000
U.S. Government sponsored enterprises and federal agencies
Securities available for sale:
Amortized Cost		597,166,000		461,575,000
Gross Unrealized Gains		1,142,000		2,405,000
Gross Unrealized Losses		6,401,000		741,000
Fair Value		591,907,000		463,239,000
Securities held to maturity:
Amortized Cost		204,179,000		209,538,000
Gross Unrealized Gains		4,596,000		7,988,000
Gross Unrealized Losses		160,000		109,000
Fair Value		208,615,000		217,417,000
Mortgage-backed securities, Other
Securities available for sale:
Amortized Cost		45,000		55,000
Gross Unrealized Gains		0		0
Gross Unrealized Losses		0		0
Fair Value		45,000		55,000
Obligations of states and political subdivisions
Securities available for sale:
Amortized Cost		37,796,000		0
Gross Unrealized Gains		40,000		0
Gross Unrealized Losses		118,000		0
Fair Value		37,718,000		0
Other securities
Securities available for sale:
Amortized Cost		178,000		0
Gross Unrealized Gains		0		0
Gross Unrealized Losses		0		0
Fair Value		178,000		0
Securities held to maturity:
Amortized Cost		4,732,000		4,916,000
Gross Unrealized Gains		0		0
Gross Unrealized Losses		0		0
Fair Value		$ 4,732,000		$ 4,916,000

Securities Available for Sale41

Securities Available for Sale and Securities Held to Maturity (Details 2) - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Gross unrealized losses and fair value of securities available for sale that is in a loss position
Less than 12 months, Fair Value	$ 479,201	$ 0
Less than 12 months, Unrealized Losses	6,519	0
12 months or more, Fair Value	0	198,550
12 months or more, Unrealized Losses	0	741
Total, fair value	479,201	198,550
Total, Unrealized Losses	6,519	741
Gross unrealized losses and fair value of securities held to maturity that is in a loss position
Less than 12 months, Fair Value	5,521	2,602
Less than 12 months, Unrealized Losses	83	109
12 months or more, Fair Value	987	0
12 months or more, Unrealized Losses	77	0
Total, fair value	6,508	2,602
Total, Unrealized Losses	160	109
U.S. Government sponsored enterprises and federal agencies
Gross unrealized losses and fair value of securities available for sale that is in a loss position
Less than 12 months, Fair Value	455,069	0
Less than 12 months, Unrealized Losses	6,401	0
12 months or more, Fair Value	0	198,550
12 months or more, Unrealized Losses	0	741
Total, fair value	455,069	198,550
Total, Unrealized Losses	6,401	741
Gross unrealized losses and fair value of securities held to maturity that is in a loss position
Less than 12 months, Fair Value	5,521	2,602
Less than 12 months, Unrealized Losses	83	109
12 months or more, Fair Value	987	0
12 months or more, Unrealized Losses	77	0
Total, fair value	6,508	2,602
Total, Unrealized Losses	160	$ 109
Obligations of states and political subdivisions
Gross unrealized losses and fair value of securities available for sale that is in a loss position
Less than 12 months, Fair Value	24,132
Less than 12 months, Unrealized Losses	118
12 months or more, Fair Value	0
12 months or more, Unrealized Losses	0
Total, fair value	24,132
Total, Unrealized Losses	$ 118

Securities Available for Sale42

Securities Available for Sale and Securities Held to Maturity (Details 3) - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Amortized Cost
Due in one year or less	$ 7	$ 4
Due in 1-5 years	51	76
Due in 5-10 years	116,458	86,806
Due after 10 years	518,491	374,744
No stated maturity	178	0
Total securities available for sale	635,185	461,630
Fair Value
Due in one year or less	7	4
Due in 1-5 years	51	76
Due in 5-10 years	116,849	87,594
Due after 10 years	512,763	375,620
No stated maturity	178	0
Fair Value	$ 629,848	$ 463,294
Yield
Due in one year or less (as a percent)	9.65%	11.63%
Due in 1-5 years (as a percent)	3.30%	4.53%
Due in 5-10 years (as a percent)	2.03%	1.93%
Due after 10 years (as a percent)	2.52%	2.78%
No stated maturity (as a percent)	0.00%	0.00%
Weighted-average yield (as a percent)	2.43%	2.62%
Amortized cost
Due in one year or less	$ 0	$ 500
Due in 1-5 years	1,500	2,500
Due in 5-10 years	1,900	400
Due after 10 years	205,511	211,054
Amortized Cost	208,911	214,454
Fair Value
Due in one year or less	0	500
Due in 1-5 years	1,500	2,500
Due in 5-10 years	1,900	400
Due after 10	209,947	218,933
Fair Value	$ 213,347	$ 222,333
Yield
Due in one year or less (as a percent)	0.00%	2.00%
Due in 1-5 years (as a percent)	2.80%	3.08%
Due in 5-10 years (as a percent)	3.00%	3.00%
Due after 10 (as a percent)	2.64%	2.64%
Weighted-average yield (as a percent)	2.64%	2.64%

Loans and Leases (Details)

Loans and Leases (Details) - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2015	Dec. 31, 2014
Consumer real estate:
First mortgage lien	$ 2,865,911	$ 3,139,152
First mortgage lien, Percent Change	(8.70%)
Junior lien	$ 2,678,118	2,543,212
Junior lien, Percent Change	5.30%
Total consumer real estate	$ 5,544,029	5,682,364
Total consumer real estate, Percent Change	(2.40%)
Commercial real estate:
Permanent	$ 2,230,554	2,382,144
Permanent, Percent Change	(6.40%)
Construction and development	$ 305,240	242,111
Construction and development, Percent Change	26.10%
Total commercial real estate	$ 2,535,794	2,624,255
Total commercial real estate, Percent Change	(3.40%)
Commercial business	$ 576,550	533,410
Commercial business, Percent Change	8.10%
Total commercial	$ 3,112,344	3,157,665
Total commercial, Percent Change	(1.40%)
Leasing and equipment finance	$ 3,791,215	3,745,322
Leasing and equipment finance, Percent Change	1.20%
Inventory finance	$ 2,106,087	1,877,090
Inventory finance, Percent Change	12.20%
Auto finance	$ 2,301,714	1,915,061
Auto finance, Percentage Change	20.20%
Other	$ 21,852	24,144
Other finance, Percent Change	(9.50%)
Total loans and leases	$ 16,877,241	16,401,646
Total loans and leases, Percent Change	2.90%
Unamortized Loan Commitment and Origination Fees and Unamortized Discounts or Premiums	$ 50,700	$ 43,400

Loans and Leases (Details 1)

Loans and Leases (Details 1) - USD ($)	6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Dec. 31, 2014
HELOCs
HELOCs included in consumer real estate junior lien portfolio	$ 2,300,000,000		$ 2,100,000,000
Amortizing junior lien mortgage loans included in consumer real estate junior lien portfolio	383,200,000		424,400,000
Portion of HELOCs in initial interest-only draw period	$ 1,600,000,000		1,300,000,000
Initial Interest-only Draw Period	10 years
Loans and Leases Receivable Consumer Home Equity Amortization Repayment Period	20 years
HELOCs with interest-only revolving draw programs	$ 733,700,000		816,000,000
Loans and Leases Receivable Percentage of Consumer Home Equity Line of Credit with Interest only Revolving Draw Programs Maturing Prior to Specified Period	18.30%
Consumer real estate loans sold	$ 629,300,000	$ 571,600,000
Gains on sale of consumer real estate loans before adjustment	20,000,000	19,700,000
Consumer auto loans sold	639,900,000	481,900,000
Proceeds from sale of consumer auto loans	664,300,000	492,100,000
Gains on sale of consumer auto loans before adjustment	17,900,000	16,200,000
Interest-only strips on consumer auto loans retained	0	8,200,000
Interest-only strips related to sales of auto loans	35,200,000		48,600,000
Impairment related to auto finance interest-only strips	500,000	1,200,000
Contractual recourse liabilities related to consumer auto loans	400,000		700,000
Consumer auto loans portfolio managed	4,400,000,000		3,800,000,000
Consumer auto loans transferred	436,400,000
Proceeds from transfer of consumer auto loans	453,800,000
Gains on transfer of consumer auto loans before adjustment	11,200,000
Cash received from sale of consumer real estate loans	647,900,000	585,400,000
Amount of interest only strips on consumer real estate loans retained	4,200,000	9,100,000
Interest-only strips for consumer real estate loans	20,700,000		21,200,000
Impairment related to consumer real estate interest-only strips	0	0
Contractual recourse liabilities related to consumer real estate loans	800,000		600,000
Consumer real estate loan managed portfolio	7,200,000,000		$ 7,100,000,000
First Mortgage Lien
HELOCs
Consumer real estate loans sold	136,300,000	$ 0
Gains on sale of consumer real estate loans before adjustment	$ 3,000,000
Minimum
HELOCs
Draw period for the HELOCs	5 years
Maximum
HELOCs
Draw period for the HELOCs	40 years

Allowance for Loan and Lease 45

Allowance for Loan and Lease Losses and Credit Quality Information (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014
Allowance for loan and lease losses
Balance, at the beginning of the period	$ 163,799	$ 247,046	$ 164,169	$ 252,230
Charge-offs	(22,984)	(22,975)	(41,108)	(45,312)
Recoveries	5,506	4,620	12,093	9,541
Net (charge-offs) recoveries	(17,478)	(18,355)	(29,015)	(35,771)
Provision for credit losses	12,528	9,909	25,319	24,401
Other	(2,734)	(2,519)	(4,358)	(4,779)
Balance, at the end of the period	156,115	236,081	156,115	236,081
Consumer Real Estate
Allowance for loan and lease losses
Balance, at the beginning of the period	80,292	169,367	85,361	176,030
Charge-offs	(11,558)	(13,012)	(20,764)	(27,567)
Recoveries	1,869	1,555	3,794	3,407
Net (charge-offs) recoveries	(9,689)	(11,457)	(16,970)	(24,160)
Provision for credit losses	5,061	4,106	7,880	11,185
Other	(977)	(667)	(1,584)	(1,706)
Balance, at the end of the period	74,687	161,349	74,687	161,349
Commercial
Allowance for loan and lease losses
Balance, at the beginning of the period	32,121	36,062	31,367	37,467
Charge-offs	(2,581)	(3,721)	(3,457)	(5,366)
Recoveries	967	244	2,364	379
Net (charge-offs) recoveries	(1,614)	(3,477)	(1,093)	(4,987)
Provision for credit losses	(302)	(1,168)	(69)	(1,048)
Other	0	(56)	0	(71)
Balance, at the end of the period	30,205	31,361	30,205	31,361
Leasing and Equipment Finance
Allowance for loan and lease losses
Balance, at the beginning of the period	17,921	18,623	18,446	18,733
Charge-offs	(1,988)	(1,875)	(3,864)	(3,410)
Recoveries	518	902	1,503	1,688
Net (charge-offs) recoveries	(1,470)	(973)	(2,361)	(1,722)
Provision for credit losses	1,218	1,534	1,584	2,173
Other	0	0	0	0
Balance, at the end of the period	17,669	19,184	17,669	19,184
Inventory Finance
Allowance for loan and lease losses
Balance, at the beginning of the period	12,409	10,309	10,020	8,592
Charge-offs	(821)	(183)	(1,349)	(350)
Recoveries	198	76	307	377
Net (charge-offs) recoveries	(623)	(107)	(1,042)	27
Provision for credit losses	(951)	(752)	2,081	925
Other	44	89	(180)	(5)
Balance, at the end of the period	10,879	9,539	10,879	9,539
Auto Finance
Allowance for loan and lease losses
Balance, at the beginning of the period	20,426	12,062	18,230	10,623
Charge-offs	(4,388)	(2,191)	(8,349)	(4,724)
Recoveries	728	358	1,338	615
Net (charge-offs) recoveries	(3,660)	(1,833)	(7,011)	(4,109)
Provision for credit losses	7,096	5,521	13,436	10,348
Other	(1,801)	(1,885)	(2,594)	(2,997)
Balance, at the end of the period	22,061	13,865	22,061	13,865
Other
Allowance for loan and lease losses
Balance, at the beginning of the period	630	623	745	785
Charge-offs	(1,648)	(1,993)	(3,325)	(3,895)
Recoveries	1,226	1,485	2,787	3,075
Net (charge-offs) recoveries	(422)	(508)	(538)	(820)
Provision for credit losses	406	668	407	818
Other	0	0	0	0
Balance, at the end of the period	$ 614	$ 783	$ 614	$ 783

Allowance for Loan and Lease 46

Allowance for Loan and Lease Losses and Credit Quality Information (Details 2) - USD ($) $ in Thousands	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2013
Allowance for loan and lease losses:
Collectively evaluated for impairment	$ 125,875		$ 128,485
Individually evaluated for impairment	30,240		35,684
Total	156,115	$ 163,799	164,169	$ 236,081	$ 247,046	$ 252,230
Loans and leases outstanding:
Collectively evaluated for impairment	16,552,638		16,041,606
Individually evaluated for impairment	324,484		359,783
Total loans and leases	16,877,241		16,401,646
Receivables Acquired with Deteriorated Credit Quality
Loans and leases outstanding:
Loans acquired with deteriorated credit quality	119		257
Consumer Real Estate
Allowance for loan and lease losses:
Collectively evaluated for impairment	48,378		57,167
Individually evaluated for impairment	26,309		28,194
Total	74,687	80,292	85,361	161,349	169,367	176,030
Loans and leases outstanding:
Collectively evaluated for impairment	5,325,743		5,462,005
Individually evaluated for impairment	218,286		220,359
Total loans and leases	5,544,029		5,682,364
Consumer Real Estate | Receivables Acquired with Deteriorated Credit Quality
Loans and leases outstanding:
Loans acquired with deteriorated credit quality	0		0
Commercial
Allowance for loan and lease losses:
Collectively evaluated for impairment	29,725		27,594
Individually evaluated for impairment	480		3,773
Total	30,205	32,121	31,367	31,361	36,062	37,467
Loans and leases outstanding:
Collectively evaluated for impairment	3,028,092		3,038,378
Individually evaluated for impairment	84,252		119,287
Total loans and leases	3,112,344		3,157,665
Commercial | Receivables Acquired with Deteriorated Credit Quality
Loans and leases outstanding:
Loans acquired with deteriorated credit quality	0		0
Leasing and Equipment Finance
Allowance for loan and lease losses:
Collectively evaluated for impairment	16,196		16,310
Individually evaluated for impairment	1,473		2,136
Total	17,669	17,921	18,446	19,184	18,623	18,733
Loans and leases outstanding:
Collectively evaluated for impairment	3,778,547		3,731,420
Individually evaluated for impairment	12,590		13,763
Total loans and leases	3,791,215		3,745,322
Leasing and Equipment Finance | Receivables Acquired with Deteriorated Credit Quality
Loans and leases outstanding:
Loans acquired with deteriorated credit quality	78		139
Inventory Finance
Allowance for loan and lease losses:
Collectively evaluated for impairment	10,653		9,627
Individually evaluated for impairment	226		393
Total	10,879	12,409	10,020	9,539	10,309	8,592
Loans and leases outstanding:
Collectively evaluated for impairment	2,103,188		1,874,481
Individually evaluated for impairment	2,899		2,609
Total loans and leases	2,106,087		1,877,090
Inventory Finance | Receivables Acquired with Deteriorated Credit Quality
Loans and leases outstanding:
Loans acquired with deteriorated credit quality	0		0
Auto Finance
Allowance for loan and lease losses:
Collectively evaluated for impairment	20,313		17,046
Individually evaluated for impairment	1,748		1,184
Total	22,061	20,426	18,230	13,865	12,062	10,623
Loans and leases outstanding:
Collectively evaluated for impairment	2,295,235		1,911,267
Individually evaluated for impairment	6,438		3,676
Total loans and leases	2,301,714		1,915,061
Auto Finance | Receivables Acquired with Deteriorated Credit Quality
Loans and leases outstanding:
Loans acquired with deteriorated credit quality	41		118
Other
Allowance for loan and lease losses:
Collectively evaluated for impairment	610		741
Individually evaluated for impairment	4		4
Total	614	$ 630	745	$ 783	$ 623	$ 785
Loans and leases outstanding:
Collectively evaluated for impairment	21,833		24,055
Individually evaluated for impairment	19		89
Total loans and leases	21,852		24,144
Other | Receivables Acquired with Deteriorated Credit Quality
Loans and leases outstanding:
Loans acquired with deteriorated credit quality	$ 0		$ 0

Allowance for Loan and Lease 47

Allowance for Loan and Lease Losses and Credit Quality Information (Details 3) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014	Dec. 31, 2014
Accruing and Non-accrual Loans and Leases
Current and Delinquent and Accruing	$ 16,671,531		$ 16,671,531		$ 16,184,912
Non-accrual	205,710		205,710		216,734
Total loans and leases	16,877,241		16,877,241		16,401,646
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
Contractual interest due on non-accrual loans and leases	5,341	$ 6,359	10,564	$ 13,549
Interest income recognized on loans and leases in non-accrual status	986	2,395	2,298	3,904
Unrecognized interest income	4,355	$ 3,964	8,266	$ 9,645
Financing Receivables, Current to 59 Days Past Due
Accruing and Non-accrual Loans and Leases
Current and Delinquent and Accruing	16,654,284		16,654,284		16,162,476
Financing Receivables, 60 to 89 Days Past Due
Accruing and Non-accrual Loans and Leases
Delinquent and Accruing	14,968		14,968		20,426
Financing Receivables, Equal to Greater than 90 Days Past Due
Accruing and Non-accrual Loans and Leases
Delinquent and Accruing	2,279		2,279		2,010
Financing receivables
Accruing and Non-accrual Loans and Leases
Current and Delinquent and Accruing	16,670,860		16,670,860		16,182,807
Non-accrual	205,710		205,710		216,734
Total loans and leases	16,876,570		16,876,570		16,399,541
Financing receivables | Financing Receivables, Current to 59 Days Past Due
Accruing and Non-accrual Loans and Leases
Current and Delinquent and Accruing	16,653,616		16,653,616		16,160,459
Financing receivables | Financing Receivables, 60 to 89 Days Past Due
Accruing and Non-accrual Loans and Leases
Delinquent and Accruing	14,968		14,968		20,343
Financing receivables | Financing Receivables, Equal to Greater than 90 Days Past Due
Accruing and Non-accrual Loans and Leases
Delinquent and Accruing	2,276		2,276		2,005
Consumer Real Estate
Accruing and Non-accrual Loans and Leases
Current and Delinquent and Accruing	5,376,175		5,376,175		5,509,093
Non-accrual	167,854		167,854		173,271
Total loans and leases	5,544,029		5,544,029		5,682,364
Consumer Real Estate | Financing Receivables, Current to 59 Days Past Due
Accruing and Non-accrual Loans and Leases
Current and Delinquent and Accruing	5,363,940		5,363,940		5,493,632
Consumer Real Estate | Financing Receivables, 60 to 89 Days Past Due
Accruing and Non-accrual Loans and Leases
Delinquent and Accruing	11,028		11,028		15,267
Consumer Real Estate | Financing Receivables, Equal to Greater than 90 Days Past Due
Accruing and Non-accrual Loans and Leases
Delinquent and Accruing	1,207		1,207		194
First Mortgage Lien
Accruing and Non-accrual Loans and Leases
Current and Delinquent and Accruing	2,734,816		2,734,816		3,001,362
Non-accrual	131,095		131,095		137,790
Total loans and leases	2,865,911		2,865,911		3,139,152
First Mortgage Lien | Financing Receivables, Current to 59 Days Past Due
Accruing and Non-accrual Loans and Leases
Current and Delinquent and Accruing	2,724,576		2,724,576		2,987,992
First Mortgage Lien | Financing Receivables, 60 to 89 Days Past Due
Accruing and Non-accrual Loans and Leases
Delinquent and Accruing	9,033		9,033		13,176
First Mortgage Lien | Financing Receivables, Equal to Greater than 90 Days Past Due
Accruing and Non-accrual Loans and Leases
Delinquent and Accruing	1,207		1,207		194
Junior Lien
Accruing and Non-accrual Loans and Leases
Current and Delinquent and Accruing	2,641,359		2,641,359		2,507,731
Non-accrual	36,759		36,759		35,481
Total loans and leases	2,678,118		2,678,118		2,543,212
Junior Lien | Financing Receivables, Current to 59 Days Past Due
Accruing and Non-accrual Loans and Leases
Current and Delinquent and Accruing	2,639,364		2,639,364		2,505,640
Junior Lien | Financing Receivables, 60 to 89 Days Past Due
Accruing and Non-accrual Loans and Leases
Delinquent and Accruing	1,995		1,995		2,091
Junior Lien | Financing Receivables, Equal to Greater than 90 Days Past Due
Accruing and Non-accrual Loans and Leases
Delinquent and Accruing	0		0		0
Consumer real estate loans to customers in bankruptcy
Accruing and Non-accrual Loans and Leases
Non-accrual	19,006		19,006		12,284
Total loans and leases	52,732		52,732		60,262
Consumer real estate loans to customers in bankruptcy | Financing Receivables, Current to 59 Days Past Due
Accruing and Non-accrual Loans and Leases
Current and Delinquent and Accruing	33,726		33,726		47,731
Consumer real estate loans to customers in bankruptcy | Financing Receivables, 60 to 89 Days Past Due
Accruing and Non-accrual Loans and Leases
Delinquent and Accruing	0		0		247
Total commercial
Accruing and Non-accrual Loans and Leases
Current and Delinquent and Accruing	3,095,232		3,095,232		3,132,630
Non-accrual	17,112		17,112		25,035
Total loans and leases	3,112,344		3,112,344		3,157,665
Total commercial | Financing Receivables, Current to 59 Days Past Due
Accruing and Non-accrual Loans and Leases
Current and Delinquent and Accruing	3,095,231		3,095,231		3,132,630
Total commercial | Financing Receivables, 60 to 89 Days Past Due
Accruing and Non-accrual Loans and Leases
Delinquent and Accruing	1		1		0
Total commercial | Financing Receivables, Equal to Greater than 90 Days Past Due
Accruing and Non-accrual Loans and Leases
Delinquent and Accruing	0		0		0
Commercial real estate
Accruing and Non-accrual Loans and Leases
Current and Delinquent and Accruing	2,519,036		2,519,036		2,599,701
Non-accrual	16,758		16,758		24,554
Total loans and leases	2,535,794		2,535,794		2,624,255
Commercial real estate | Financing Receivables, Current to 59 Days Past Due
Accruing and Non-accrual Loans and Leases
Current and Delinquent and Accruing	2,519,036		2,519,036		2,599,701
Commercial real estate | Financing Receivables, 60 to 89 Days Past Due
Accruing and Non-accrual Loans and Leases
Delinquent and Accruing	0		0		0
Commercial real estate | Financing Receivables, Equal to Greater than 90 Days Past Due
Accruing and Non-accrual Loans and Leases
Delinquent and Accruing	0		0		0
Commercial business
Accruing and Non-accrual Loans and Leases
Current and Delinquent and Accruing	576,196		576,196		532,929
Non-accrual	354		354		481
Total loans and leases	576,550		576,550		533,410
Commercial business | Financing Receivables, Current to 59 Days Past Due
Accruing and Non-accrual Loans and Leases
Current and Delinquent and Accruing	576,195		576,195		532,929
Commercial business | Financing Receivables, 60 to 89 Days Past Due
Accruing and Non-accrual Loans and Leases
Delinquent and Accruing	1		1		0
Commercial business | Financing Receivables, Equal to Greater than 90 Days Past Due
Accruing and Non-accrual Loans and Leases
Delinquent and Accruing	0		0		0
Leasing and Equipment Finance
Accruing and Non-accrual Loans and Leases
Current and Delinquent and Accruing	3,779,146		3,779,146		3,730,664
Non-accrual	11,440		11,440		12,670
Total loans and leases	3,790,586		3,790,586		3,743,334
Leasing and Equipment Finance | Financing Receivables, Current to 59 Days Past Due
Accruing and Non-accrual Loans and Leases
Current and Delinquent and Accruing	3,776,725		3,776,725		3,728,115
Leasing and Equipment Finance | Financing Receivables, 60 to 89 Days Past Due
Accruing and Non-accrual Loans and Leases
Delinquent and Accruing	2,147		2,147		2,242
Leasing and Equipment Finance | Financing Receivables, Equal to Greater than 90 Days Past Due
Accruing and Non-accrual Loans and Leases
Delinquent and Accruing	274		274		307
Inventory Finance
Accruing and Non-accrual Loans and Leases
Current and Delinquent and Accruing	2,103,191		2,103,191		1,875,008
Non-accrual	2,896		2,896		2,082
Total loans and leases	2,106,087		2,106,087		1,877,090
Inventory Finance | Financing Receivables, Current to 59 Days Past Due
Accruing and Non-accrual Loans and Leases
Current and Delinquent and Accruing	2,103,096		2,103,096		1,874,933
Inventory Finance | Financing Receivables, 60 to 89 Days Past Due
Accruing and Non-accrual Loans and Leases
Delinquent and Accruing	45		45		49
Inventory Finance | Financing Receivables, Equal to Greater than 90 Days Past Due
Accruing and Non-accrual Loans and Leases
Delinquent and Accruing	50		50		26
Auto Finance
Accruing and Non-accrual Loans and Leases
Current and Delinquent and Accruing	2,295,267		2,295,267		1,911,268
Non-accrual	6,405		6,405		3,676
Total loans and leases	2,301,672		2,301,672		1,914,944
Auto Finance | Financing Receivables, Current to 59 Days Past Due
Accruing and Non-accrual Loans and Leases
Current and Delinquent and Accruing	2,292,800		2,292,800		1,907,005
Auto Finance | Financing Receivables, 60 to 89 Days Past Due
Accruing and Non-accrual Loans and Leases
Delinquent and Accruing	1,735		1,735		2,785
Auto Finance | Financing Receivables, Equal to Greater than 90 Days Past Due
Accruing and Non-accrual Loans and Leases
Delinquent and Accruing	732		732		1,478
Other
Accruing and Non-accrual Loans and Leases
Current and Delinquent and Accruing	21,849		21,849		24,144
Non-accrual	3		3		0
Total loans and leases	21,852		21,852		24,144
Other | Financing Receivables, Current to 59 Days Past Due
Accruing and Non-accrual Loans and Leases
Current and Delinquent and Accruing	21,824		21,824		24,144
Other | Financing Receivables, 60 to 89 Days Past Due
Accruing and Non-accrual Loans and Leases
Delinquent and Accruing	12		12		0
Other | Financing Receivables, Equal to Greater than 90 Days Past Due
Accruing and Non-accrual Loans and Leases
Delinquent and Accruing	13		13		0
Portfolios acquired with deteriorated credit quality
Accruing and Non-accrual Loans and Leases
Current and Delinquent and Accruing	671		671		2,105
Non-accrual	0		0		0
Total loans and leases	671		671		2,105
Portfolios acquired with deteriorated credit quality | Financing Receivables, Current to 59 Days Past Due
Accruing and Non-accrual Loans and Leases
Current and Delinquent and Accruing	668		668		2,017
Portfolios acquired with deteriorated credit quality | Financing Receivables, 60 to 89 Days Past Due
Accruing and Non-accrual Loans and Leases
Delinquent and Accruing	0		0		83
Portfolios acquired with deteriorated credit quality | Financing Receivables, Equal to Greater than 90 Days Past Due
Accruing and Non-accrual Loans and Leases
Delinquent and Accruing	$ 3		$ 3		$ 5

Allowance for Loan and Lease 48

Allowance for Loan and Lease Losses and Credit Quality Information (Details 4) - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Accruing and Non-accrual Loans and Leases
0-59 days delinquent and accruing	$ 16,671,531	$ 16,184,912
Non-accrual	205,710	216,734
Total loans and leases	16,877,241	16,401,646
Financing Receivables, Current to 59 Days Past Due
Accruing and Non-accrual Loans and Leases
0-59 days delinquent and accruing	16,654,284	16,162,476
Financing Receivables, 60 to 89 Days Past Due
Accruing and Non-accrual Loans and Leases
60 days delinquent and accruing	14,968	20,426
Consumer real estate loans to customers in bankruptcy
Accruing and Non-accrual Loans and Leases
Non-accrual	19,006	12,284
Total loans and leases	52,732	60,262
Consumer real estate loans to customers in bankruptcy | Financing Receivables, Current to 59 Days Past Due
Accruing and Non-accrual Loans and Leases
0-59 days delinquent and accruing	33,726	47,731
Consumer real estate loans to customers in bankruptcy | Financing Receivables, 60 to 89 Days Past Due
Accruing and Non-accrual Loans and Leases
60 days delinquent and accruing	$ 0	$ 247

Allowance for Loan and Lease 49

Allowance for Loan and Lease Losses and Credit Quality Information (Details 5) - USD ($) $ in Millions	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014	Dec. 31, 2014
Loan Modifications for Borrowers with Financial Difficulties
Financing Receivable, Modifications, Recorded Investment	$ 256.9		$ 256.9		$ 298.5
Total Accruing TDR Loans	155.8		155.8		193.8
Additional funds committed to consumer real estate and commercial loans classified as TDRs	1.9		$ 1.9		3.9
Minimum period for loans to be delinquent to be considered in default			90 days	90 days
Commercial Borrower
Loan Modifications for Borrowers with Financial Difficulties
Financing Receivable, Modifications, Recorded Investment	54.2		$ 54.2		91.6
Total Accruing TDR Loans	44.5		44.5		80.4
Loans Removed from Troubled Debt Restructurings Status			9	$ 11.1
Reserves for losses on accruing loan TDRs	$ 0.1		$ 0.1		$ 1.4
Reserves for losses on accruing loan TDRs (as a percent)	0.30%		0.30%		1.70%
Delinquency period of performing loans and leases			60 days	60 days
Real Estate Loan | Consumer Borrower
Loan Modifications for Borrowers with Financial Difficulties
Financing Receivable, Modifications, Recorded Investment	$ 194.6		$ 194.6		$ 199.6
Total Accruing TDR Loans	$ 110.3		$ 110.3		111.9
Average yield on TDR loans (as a percent)	4.10%	3.30%	4.00%	3.30%
Contractual average rate of TDR loans (as a percent)	6.70%	6.80%	6.60%	6.80%
Reserves for losses on accruing loan TDRs	$ 20.3		$ 20.3		$ 20.4
Reserves for losses on accruing loan TDRs (as a percent)	18.40%		18.40%		18.20%
Assumed remaining re-default rate used in determining impairment, low end of range (as a percent)	6.00%		6.00%		4.00%
Financing Receivable, Modifications, Impaired Financing Receivable, Redefault Rate, High End of Range	20.00%		20.00%		22.00%
Percent of accruing TDR loans more than 60 days delinquent	1.50%		1.50%		2.40%
Delinquency period of performing loans and leases			60 days	60 days
Minimum period to be considered for related third-party first mortgage liens to be past due before Junior lien loans are placed on non-accrual status			90 days	90 days
Portion of non-accrual TDR balance, loans discharged in Chapter 7 bankruptcy that are not reaffirmed	$ 52.8		$ 52.8		$ 50
Portion of non-accrual TDR balance, loans discharged in Chapter 7 bankruptcy that are not reaffirmed (as a percent)	62.60%		62.60%		57.00%
Portion of non-accrual TDR balance, loans discharged in Chapter 7 bankruptcy that are not reaffirmed, current (as a percent)	73.80%		73.80%		68.40%
Real Estate Loan | Consumer Borrower | Junior Lien
Loan Modifications for Borrowers with Financial Difficulties
Foregone Interest Income	$ 0.2	$ 0.3	$ 0.4	$ 0.6
Real Estate Loan | Consumer Borrower | First Mortgage Lien
Loan Modifications for Borrowers with Financial Difficulties
Foregone Interest Income	$ 0.6	$ 4.3	$ 1.1	$ 8.6

Allowance for Loan and Lease 50

Allowance for Loan and Lease Losses and Credit Quality Information (Details 6) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014
Allowance for Loan and Lease Losses and Credit Quality Information
Minimum period for loans to be delinquent to be considered in default			90 days	90 days
Loan Modifications for Borrowers with Financial Difficulties
Loan Balance	$ 1,453	$ 2,319	$ 2,166	$ 7,644
Total TDR loans modified in the applicable period	$ 71,641	$ 136,171	$ 78,986	$ 248,273
Defaulted modified TDR loans as a percent of total TDR loans modified in the applicable period	2.00%	1.70%	2.70%	3.10%
Real Estate Loan | Consumer Borrower
Loan Modifications for Borrowers with Financial Difficulties
Loan Balance	$ 1,251	$ 1,223	$ 1,783	$ 3,698
Real Estate Loan | Consumer Borrower | First Mortgage Lien
Loan Modifications for Borrowers with Financial Difficulties
Loan Balance	1,054	561	1,297	2,056
Real Estate Loan | Consumer Borrower | Junior Lien
Loan Modifications for Borrowers with Financial Difficulties
Loan Balance	197	662	486	1,642
Real Estate Loan | Commercial Borrower
Loan Modifications for Borrowers with Financial Difficulties
Loan Balance	0	1,023	0	3,814
Inventory Finance
Loan Modifications for Borrowers with Financial Difficulties
Loan Balance	0	7	0	7
Auto Finance
Loan Modifications for Borrowers with Financial Difficulties
Loan Balance	$ 202	$ 66	$ 383	$ 125

Allowance for Loan and Lease 51

Allowance for Loan and Lease Losses and Credit Quality Information (Details 7) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014	Dec. 31, 2014
Impaired Loans
Unpaid Contractual Balance	$ 347,081		$ 347,081		$ 399,316
Loan Balance	270,938		270,938		319,659
Related Allowance Recorded	29,317		29,317		34,378
Average Balance	285,525	$ 784,559	295,299	$ 797,020
Interest Income Recognized	3,668	6,886	7,662	13,622
Impaired loans with an allowance recorded
Impaired Loans
Unpaid Contractual Balance	262,448		262,448		251,291
Loan Balance	222,595		222,595		224,535
Related Allowance Recorded	29,317		29,317		34,378
Average Balance	218,998	664,860	223,565	671,830
Interest Income Recognized	2,385	5,471	4,659	10,788
Impaired loans with an allowance recorded | Consumer real estate
Impaired Loans
Unpaid Contractual Balance	225,507		225,507		179,939
Loan Balance	189,015		189,015		157,073
Related Allowance Recorded	26,288		26,288		27,567
Average Balance	174,259	591,016	173,044	590,720
Interest Income Recognized	2,128	4,764	3,998	9,425
Impaired loans with an allowance recorded | First Mortgage Lien
Impaired Loans
Unpaid Contractual Balance	152,706		152,706		114,526
Loan Balance	127,790		127,790		101,668
Related Allowance Recorded	19,260		19,260		18,140
Average Balance	115,432	518,048	114,729	518,031
Interest Income Recognized	1,340	3,879	2,458	7,632
Impaired loans with an allowance recorded | Junior Lien
Impaired Loans
Unpaid Contractual Balance	72,801		72,801		65,413
Loan Balance	61,225		61,225		55,405
Related Allowance Recorded	7,028		7,028		9,427
Average Balance	58,827	72,968	58,315	72,689
Interest Income Recognized	788	885	1,540	1,793
Impaired loans with an allowance recorded | Total commercial
Impaired Loans
Unpaid Contractual Balance	23,713		23,713		58,175
Loan Balance	20,512		20,512		54,430
Related Allowance Recorded	480		480		3,773
Average Balance	28,158	64,230	37,471	68,191
Interest Income Recognized	212	617	603	1,237
Impaired loans with an allowance recorded | Commercial real estate
Impaired Loans
Unpaid Contractual Balance	23,692		23,692		58,157
Loan Balance	20,493		20,493		54,412
Related Allowance Recorded	477		477		3,772
Average Balance	28,140	61,985	37,452	65,179
Interest Income Recognized	212	617	603	1,237
Impaired loans with an allowance recorded | Commercial business
Impaired Loans
Unpaid Contractual Balance	21		21		18
Loan Balance	19		19		18
Related Allowance Recorded	3		3		1
Average Balance	18	2,245	19	3,012
Interest Income Recognized	0	0	0	0
Impaired loans with an allowance recorded | Leasing and Equipment Finance
Impaired Loans
Unpaid Contractual Balance	6,179		6,179		8,257
Loan Balance	6,179		6,179		8,257
Related Allowance Recorded	646		646		1,457
Average Balance	7,066	7,955	7,218	8,249
Interest Income Recognized	2	46	8	52
Impaired loans with an allowance recorded | Inventory Finance
Impaired Loans
Unpaid Contractual Balance	2,436		2,436		1,754
Loan Balance	2,439		2,439		1,758
Related Allowance Recorded	226		226		393
Average Balance	5,516	904	2,099	4,009
Interest Income Recognized	42	42	49	71
Impaired loans with an allowance recorded | Auto Finance
Impaired Loans
Unpaid Contractual Balance	4,596		4,596		3,074
Loan Balance	4,431		4,431		2,928
Related Allowance Recorded	1,673		1,673		1,184
Average Balance	3,980	670	3,680	571
Interest Income Recognized	0	0	0	0
Impaired loans with an allowance recorded | Other
Impaired Loans
Unpaid Contractual Balance	17		17		92
Loan Balance	19		19		89
Related Allowance Recorded	4		4		4
Average Balance	19	85	53	90
Interest Income Recognized	1	2	1	3
Impaired loans without an allowance recorded
Impaired Loans
Unpaid Contractual Balance	84,633		84,633		148,025
Loan Balance	48,343		48,343		95,124
Average Balance	66,527	119,699	71,734	125,190
Interest Income Recognized	1,283	1,415	3,003	2,834
Impaired loans without an allowance recorded | Consumer real estate
Impaired Loans
Unpaid Contractual Balance	35,177		35,177		87,402
Loan Balance	5,588		5,588		42,545
Average Balance	22,381	42,049	24,067	44,596
Interest Income Recognized	863	692	1,776	1,274
Impaired loans without an allowance recorded | First Mortgage Lien
Impaired Loans
Unpaid Contractual Balance	9,542		9,542		53,606
Loan Balance	5,568		5,568		35,147
Average Balance	19,115	38,552	20,358	40,996
Interest Income Recognized	322	420	781	735
Impaired loans without an allowance recorded | Junior Lien
Impaired Loans
Unpaid Contractual Balance	25,635		25,635		33,796
Loan Balance	20		20		7,398
Average Balance	3,266	3,497	3,709	3,600
Interest Income Recognized	541	272	995	539
Impaired loans without an allowance recorded | Total commercial
Impaired Loans
Unpaid Contractual Balance	46,892		46,892		58,291
Loan Balance	41,097		41,097		50,980
Average Balance	42,407	76,386	46,039	79,630
Interest Income Recognized	377	688	1,172	1,515
Impaired loans without an allowance recorded | Commercial real estate
Impaired Loans
Unpaid Contractual Balance	46,538		46,538		57,809
Loan Balance	40,743		40,743		50,500
Average Balance	42,003	69,766	45,622	73,508
Interest Income Recognized	372	646	1,167	1,438
Impaired loans without an allowance recorded | Commercial business
Impaired Loans
Unpaid Contractual Balance	354		354		482
Loan Balance	354		354		480
Average Balance	404	6,620	417	6,122
Interest Income Recognized	5	42	5	77
Impaired loans without an allowance recorded | Inventory Finance
Impaired Loans
Unpaid Contractual Balance	456		456		848
Loan Balance	460		460		851
Average Balance	662	772	655	566
Interest Income Recognized	43	35	55	45
Impaired loans without an allowance recorded | Auto Finance
Impaired Loans
Unpaid Contractual Balance	2,108		2,108		1,484
Loan Balance	1,198		1,198		$ 748
Average Balance	1,077	492	973	398
Interest Income Recognized	$ 0	$ 0	$ 0	$ 0

Deposits (Details)

Deposits (Details) - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Weighted Average Rate
Interest bearing checking weighted average rate (as a percent)	0.02%	0.04%
Total checking weighted average rate (as a percent)	0.01%	0.02%
Savings weighted average rate (as a percent)	0.08%	0.15%
Money market weighted average rate (as a percent)	0.64%	0.54%
Total checking, savings and money market weighted average rate (as a percent)	0.14%	0.13%
Certificates of deposit weighted average rate (as a percent)	0.85%	0.78%
Total deposits weighted average rate (as a percent)	0.28%	0.26%
Deposits
Non-interest bearing checking	$ 3,007,406	$ 2,832,526
Interest bearing checking	2,368,412	2,362,717
Total checking	5,375,818	5,195,243
Savings	4,968,398	5,212,320
Money market	2,286,773	1,993,130
Total checking, savings and money market	12,630,989	12,400,693
Certificates of deposit	3,196,230	3,049,189
Total deposits	$ 15,827,219	$ 15,449,882
% of Total
Non-interest bearing checking as a percent of total deposits	19.00%	18.30%
Interest bearing checking as a percent of total deposits	15.00%	15.30%
Total checking as a percent of total deposits	34.00%	33.60%
Savings as a percent of total deposits	31.40%	33.70%
Money market as a percent of total deposits	14.40%	13.00%
Total checking, savings and money market as a percent of total deposits	79.80%	80.30%
Certificates of deposit as a percent of total deposits	20.20%	19.70%
Total deposits as a percent of total deposits	100.00%	100.00%
Certificates of deposit remaining maturities, Denominations $100 Thousand or Greater
0 - 3 months	$ 138,773
4 - 6 months	223,143
7 - 12 months	610,228
13 - 24 months	396,800
Over 24 months	65,596
Total	1,434,540
Certificates of deposit remaining maturities, Denominations Less Than $100 Thousand
0 - 3 months	240,910
4 - 6 months	303,873
7 - 12 months	690,992
13 - 24 months	479,018
Over 24 months	46,897
Total	1,761,690
Certificates of deposit with remaining maturities, Total
0 - 3 months	379,683
4 - 6 months	527,016
7 - 12 months	1,301,220
13 - 24 months	875,818
Over 24 months	112,493
Total	$ 3,196,230	$ 3,049,189

Short-term Borrowings (Details)

Short-term Borrowings (Details) - USD ($) $ in Thousands	6 Months Ended	12 Months Ended
	Jun. 30, 2015	Dec. 31, 2014
Short-term Borrowings
Short-term borrowings	$ 7,305	$ 4,425
Interest rate at period end (as a percent)	1.09%	0.10%
Average daily balances of short-term borrowings	$ 8,124	$ 83,673
Average daily interest rate (as a percent)	0.75%	0.31%
Mortgage-backed securities
Short-term Borrowings
Fair value of short-term debt	$ 7,600	$ 8,200
Federal Home Loan Bank advances
Short-term Borrowings
Average daily balances of short-term borrowings	$ 0	$ 74,385
Average daily interest rate (as a percent)	0.00%	0.26%
Maximum month-end balances of short-term borrowings	$ 0	$ 250,000
Federal funds purchased
Short-term Borrowings
Average daily balances of short-term borrowings	$ 254	$ 375
Average daily interest rate (as a percent)	0.43%	0.40%
Securities sold under repurchase agreements
Short-term Borrowings
Short-term borrowings	$ 3,303	$ 4,425
Interest rate at period end (as a percent)	0.10%	0.10%
Average daily balances of short-term borrowings	$ 5,517	$ 5,956
Average daily interest rate (as a percent)	0.21%	0.18%
Maximum month-end balances of short-term borrowings	$ 3,495	$ 4,425
Securities sold under repurchase agreements | Mortgage-backed securities
Short-term Borrowings
Fair value of short-term debt	6,400
Line of Credit - TCF Commercial Finance Canada, Inc.
Short-term Borrowings
Short-term borrowings	$ 4,002	$ 0
Interest rate at period end (as a percent)	1.90%	0.00%
Average daily balances of short-term borrowings	$ 2,353	$ 2,957
Average daily interest rate (as a percent)	2.06%	1.88%
Maximum month-end balances of short-term borrowings	$ 5,519	$ 11,751

Long-term Borrowings (Details)

Long-term Borrowings (Details) - USD ($)	Feb. 27, 2015	Jun. 30, 2015	Dec. 31, 2014
Debt instrument
Long-term Debt		$ 1,210,736,000	$ 1,232,065,000
Interest Rate Contract | Designated as Hedges
Debt instrument
Derivative asset, notional amount		150,000,000
Federal Home Loan Bank advances
Debt instrument
Long-term Debt		772,000,000	947,000,000
Variable-rate FHLB advances prepayable monthly		325,000,000
Federal Home Loan Bank advances | Maturity year 2015
Debt instrument
Long-term Debt			$ 125,000,000
Federal Home Loan Bank advances | Maturity year 2015 | Minimum
Debt instrument
Fixed interest rate (as a percent)			0.37%
Federal Home Loan Bank advances | Maturity year 2015 | Maximum
Debt instrument
Fixed interest rate (as a percent)			0.38%
Federal Home Loan Bank advances | Maturity year 2016
Debt instrument
Long-term Debt		447,000,000	$ 547,000,000
Federal Home Loan Bank advances | Maturity year 2016 | TCF Bank
Debt instrument
Loans pledged as collateral		$ 4,900,000,000
Federal Home Loan Bank advances | Maturity year 2016 | Minimum
Debt instrument
Fixed interest rate (as a percent)		0.36%	0.25%
Federal Home Loan Bank advances | Maturity year 2016 | Maximum
Debt instrument
Fixed interest rate (as a percent)		1.17%	1.17%
Federal Home Loan Bank advances | Maturity Year 2017
Debt instrument
Long-term Debt		$ 325,000,000	$ 275,000,000
Fixed interest rate (as a percent)			0.25%
Federal Home Loan Bank advances | Maturity Year 2017 | Minimum
Debt instrument
Fixed interest rate (as a percent)		0.23%
Federal Home Loan Bank advances | Maturity Year 2017 | Maximum
Debt instrument
Fixed interest rate (as a percent)		0.24%
Subordinated bank notes
Debt instrument
Long-term Debt		$ 329,725,000	$ 184,124,000
Subordinated bank notes | Maturity year 2016
Debt instrument
Long-term Debt		$ 74,962,000	$ 74,930,000
Fixed interest rate (as a percent)		5.50%	5.50%
Subordinated bank notes | Maturity Year 2022
Debt instrument
Long-term Debt		$ 109,238,000	$ 109,194,000
Fixed interest rate (as a percent)		6.25%	6.25%
Subordinated bank notes | Maturity Year 2025
Debt instrument
Long-term Debt		$ 149,088,000	$ 0
Fixed interest rate (as a percent)	4.60%	4.60%	0.00%
Debt instrument, face amount	$ 150,000,000
Debt instrument, net of discount (as a percent)	99.375%
Debt issuance cost	$ 1,400,000
Subordinated bank notes | Maturity Year 2025, Interest Rate Swap
Debt instrument
Long-term Debt		$ (3,563,000)	$ 0
Discounted lease rentals
Debt instrument
Long-term Debt		103,621,000	92,887,000
Discounted lease rentals | Maturity year 2015
Debt instrument
Long-term Debt		$ 19,630,000	$ 32,904,000
Discounted lease rentals | Maturity year 2015 | Minimum
Debt instrument
Fixed interest rate (as a percent)		2.39%	2.39%
Discounted lease rentals | Maturity year 2015 | Maximum
Debt instrument
Fixed interest rate (as a percent)		7.95%	7.95%
Discounted lease rentals | Maturity year 2016
Debt instrument
Long-term Debt		$ 35,165,000	$ 27,539,000
Discounted lease rentals | Maturity year 2016 | Minimum
Debt instrument
Fixed interest rate (as a percent)		2.39%	2.39%
Discounted lease rentals | Maturity year 2016 | Maximum
Debt instrument
Fixed interest rate (as a percent)		7.95%	7.95%
Discounted lease rentals | Maturity Year 2017
Debt instrument
Long-term Debt		$ 28,470,000	$ 20,580,000
Discounted lease rentals | Maturity Year 2017 | Minimum
Debt instrument
Fixed interest rate (as a percent)		2.45%	2.45%
Discounted lease rentals | Maturity Year 2017 | Maximum
Debt instrument
Fixed interest rate (as a percent)		7.95%	7.95%
Discounted lease rentals | Maturity Year 2018
Debt instrument
Long-term Debt		$ 14,879,000	$ 9,032,000
Discounted lease rentals | Maturity Year 2018 | Minimum
Debt instrument
Fixed interest rate (as a percent)		2.53%	2.63%
Discounted lease rentals | Maturity Year 2018 | Maximum
Debt instrument
Fixed interest rate (as a percent)		7.95%	7.95%
Discounted lease rentals | Maturity Year 2019
Debt instrument
Long-term Debt		$ 5,070,000	$ 2,589,000
Discounted lease rentals | Maturity Year 2019 | Minimum
Debt instrument
Fixed interest rate (as a percent)		2.53%	2.63%
Discounted lease rentals | Maturity Year 2019 | Maximum
Debt instrument
Fixed interest rate (as a percent)		5.05%	5.05%
Discounted lease rentals | Maturity Year 2020
Debt instrument
Long-term Debt		$ 324,000	$ 160,000
Fixed interest rate (as a percent)			4.57%
Discounted lease rentals | Maturity Year 2020 | Minimum
Debt instrument
Fixed interest rate (as a percent)		3.04%
Discounted lease rentals | Maturity Year 2020 | Maximum
Debt instrument
Fixed interest rate (as a percent)		4.57%
Discounted lease rentals | Maturity Year 2021
Debt instrument
Long-term Debt		$ 83,000	$ 83,000
Fixed interest rate (as a percent)		4.57%	4.57%
Other long-term
Debt instrument
Long-term Debt		$ 5,390,000	$ 8,054,000
Other long-term | Maturity year 2015
Debt instrument
Long-term Debt			$ 2,670,000
Fixed interest rate (as a percent)			1.36%
Other long-term | Maturity year 2016
Debt instrument
Long-term Debt		$ 2,648,000	$ 2,642,000
Fixed interest rate (as a percent)		1.36%	1.36%
Other long-term | Maturity Year 2017
Debt instrument
Long-term Debt		$ 2,742,000	$ 2,742,000
Fixed interest rate (as a percent)		1.36%	1.36%

Regulatory Capital Requiremen55

Regulatory Capital Requirements (Details) - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2015	Dec. 31, 2014
Regulatory Capital Requirements [Abstract]
Number of prior calendar years considered for payment of dividends in excess of net retained profit	2 years
Net profits for the current year combined with retained net profits for preceding two calendar years	$ 395,900
Maximum
Compliance with Regulatory Capital Requirements under Banking Regulations
Percentage of net retained profits for the current year combined with retained net profits for the preceding two calendar years that can be declared as dividend	100.00%
TCF
Regulatory Capital [Abstract]
Common equity Tier 1 capital	$ 1,732,437
Tier 1 capital	2,013,347	$ 1,919,887
Total capital	$ 2,407,268	$ 2,209,999
Common equity Tier 1 capital ratios
Actual, Ratio (as a percent)	9.97%
Tier 1 risk-based capital ratios
Actual, Ratio (as a percent)	11.59%	11.76%
Total risk-based capital ratios
Actual, Ratio (as a percent)	13.86%	13.54%
Tier 1 Leverage Capital Ratios
Actual, Ratio (as a percent)	10.22%	10.07%
TCF Bank
Regulatory Capital [Abstract]
Common equity Tier 1 capital	$ 1,912,587
Tier 1 capital	1,932,098	$ 1,836,019
Total capital	$ 2,349,196	$ 2,126,131
Common equity Tier 1 capital ratios
Actual, Ratio (as a percent)	11.01%
Well-Capitalized Capital Requirement, Ratio (as a percent)	6.50%
Minimum Capital Requirement, Ratio (as a percent)	4.50%
Tier 1 risk-based capital ratios
Actual, Ratio (as a percent)	11.13%	11.25%
Well-Capitalized Capital Requirement, Ratio (as a percent)	8.00%
Minimum Capital Requirement, Ratio (as a percent)	6.00%
Total risk-based capital ratios
Actual, Ratio (as a percent)	13.53%	13.03%
Well-Capitalized Capital Requirement, Ratio (as a percent)	10.00%
Minimum Capital Requirement, Ratio (as a percent)	8.00%
Tier 1 Leverage Capital Ratios
Actual, Ratio (as a percent)	9.81%	9.63%
Well-Capitalized Capital Requirement, Ratio (as a percent)	5.00%
Minimum Capital Requirement, Ratio (as a percent)	4.00%

Stock Compensation (Details)

Stock Compensation (Details) - USD ($)	6 Months Ended	12 Months Ended
	Jun. 30, 2015	Dec. 31, 2014	Sep. 30, 2014
Stock options outstanding and exercisable
Unrecognized stock compensation expense for restricted stock awards and options (in dollars)	$ 26,900,000
Weighted-average amortization period	2 years 7 months 6 days
Restricted Stock
Restricted stock, shares activity
Outstanding at the beginning of the period (in shares)	2,858,494
Granted (in shares)	680,933
Forfeited/cancelled (in shares)	(129,747)
Vested (in shares)	(188,944)
Outstanding at the end of the period (in shares)	3,220,736	2,858,494
Restricted Stock, Weighted-Average Grant Date Fair Value
Weighted-Average Grant Date Fair Value, Outstanding at the beginning (in dollars per share)	$ 12.73
Weighted-Average Grant Date Fair Value, Granted (in dollars per share)	14.44
Weighted-Average Grant Date Fair Value, Forfeited/cancelled (in dollars per share)	13.18
Weighted-Average Grant Date Fair Value, Vested (in dollars per share)	13.10
Weighted-Average Grant Date Fair Value, Outstanding at the end (in dollars per share)	13.05	$ 12.73
Restricted Stock | Minimum
Restricted Stock, Grant Date Fair Value Range
SharebasedCompensationArrangementbySharebasedPaymentAwardEquityInstrumentsOtherthanOptionsNonvestedGrantDateFairValue	6.16	6.16
Grant Date Fair Value, Granted (in dollars per share)	14.17
Grant Date Fair Value, Forfeited/canceled (in dollars per share)	6.8
Grant Date Fair Value, Vested (in dollars per share)	9.65
SharebasedCompensationArrangementbySharebasedPaymentAwardEquityInstrumentsOtherthanOptionsNonvestedGrantDateFairValue	6.16	6.16
Restricted Stock | Maximum
Restricted Stock, Grant Date Fair Value Range
SharebasedCompensationArrangementbySharebasedPaymentAwardEquityInstrumentsOtherthanOptionsNonvestedGrantDateFairValue	16.28	16.02
Grant Date Fair Value, Granted (in dollars per share)	16.28
Grant Date Fair Value, Forfeited/canceled (in dollars per share)	15.96
Grant Date Fair Value, Vested (in dollars per share)	15.96
SharebasedCompensationArrangementbySharebasedPaymentAwardEquityInstrumentsOtherthanOptionsNonvestedGrantDateFairValue	$ 16.28	$ 16.02
Performance-based restricted stock
Stock options outstanding and exercisable
Outstanding number of shares to vest only if certain return on asset goals, and service conditions are achieved	1,100,000
Stock Options
Stock options, shares activity
Outstanding at the beginning of the period (in shares)	1,579,000
Granted (in shares)	0
Exercised (in shares)	(200,000)
Forfeited/canceled (in shares)	0
Vested (in shares)	0
Outstanding at the end of the period (in shares)	1,379,000	1,579,000
Stock Options, Exercise Price Range
Weighted- Average Remaining Contractual Life in Years	2 years 8 months 1 day	2 years 11 months 23 days
Weighted-Average Exercise Price
Weighted-Average Exercise Price, Outstanding at the beginning (in dollars per share)	$ 13.91
Weighted-Average Exercise Price, Granted (in dollars per share)	0
Weighted-Average Exercise Price, Exercised (in dollars per share)	12.85
Weighted-Average Exercise Price, Forfeited/canceled (in dollars per share)	0
Weighted-Average Exercise Price, Vested (in dollars per share)	0
Weighted-Average Exercise Price, Outstanding at the end (in dollars per share)	$ 14.07	$ 13.91
Stock options outstanding and exercisable
Stock Options Exercisable (in shares)	1,379,000
Stock Options Exercisable, Weighted-Average Exercise Price (in dollars per share)	$ 14.07
Stock Options | Minimum
Stock Options, Exercise Price Range
SharebasedCompensationArrangementbySharebasedPaymentAwardOptionsOutstandingExercisePrice	12.85	12.85
Exercise price, Granted (in dollars per share)	0
Exercise price, Exercised (in dollars per share)	12.85
Exercise price, Forfeited/canceled (in dollars per share)	0
Exercise price, Vested (in dollars per share)	0
SharebasedCompensationArrangementbySharebasedPaymentAwardOptionsOutstandingExercisePrice	12.85	12.85
Stock options outstanding and exercisable
Exercise price, options exercisable (in dollars per share)	12.85
Stock Options | Maximum
Stock Options, Exercise Price Range
SharebasedCompensationArrangementbySharebasedPaymentAwardOptionsOutstandingExercisePrice	15.75	15.75
Exercise price, Granted (in dollars per share)	0
Exercise price, Exercised (in dollars per share)	12.85
Exercise price, Forfeited/canceled (in dollars per share)	0
Exercise price, Vested (in dollars per share)	0
SharebasedCompensationArrangementbySharebasedPaymentAwardOptionsOutstandingExercisePrice	15.75	$ 15.75
Stock options outstanding and exercisable
Exercise price, options exercisable (in dollars per share)	$ 15.75
Performance Shares
Restricted stock, shares activity
Granted (in shares)	71,404
Stock options outstanding and exercisable
Award requisite service period	3 years
Restricted stock, maximum multiplier	150.00%
Performance Shares | Minimum
Stock options outstanding and exercisable
Peer group, asset threshold			$ 10,000,000,000
Performance Shares | Maximum
Stock options outstanding and exercisable
Peer group, asset threshold			$ 50,000,000,000

Employee Benefit Plans (Details

Employee Benefit Plans (Details) - USD ($)	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014
Pension Plan
Net periodic benefit cost included in compensation and employee benefits expense
Interest cost	$ 304,000	$ 397,000	$ 608,000	$ 794,000
Return on plan assets	(160,000)	(183,000)	(320,000)	(366,000)
Net periodic benefit plan cost	144,000	214,000	288,000	428,000
Contributions to the plan during the period	0	0	0	0
Postretirement Plan
Net periodic benefit cost included in compensation and employee benefits expense
Interest cost	38,000	50,000	76,000	99,000
Amortization of prior service cost	(11,000)	(11,000)	(23,000)	(23,000)
Net periodic benefit plan cost	27,000	39,000	53,000	76,000
Benefits paid during the period	$ 100,000	$ 100,000	$ 200,000	$ 200,000

Derivative Instruments (Details

Derivative Instruments (Details) - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2015	Dec. 31, 2014
Net Investment Hedges
Fair value of foreign exchange contracts
Period for settling forward foreign exchange contracts	30 days
Interest Rate Contract
Fair value of foreign exchange contracts
Amount of cash collateral posted	$ 13,900
Interest Rate Contract | Not Designated as Hedges
Fair value of foreign exchange contracts
Derivative asset, notional amount	91,729	$ 101,166
Interest Rate Contract | Designated as Hedges
Fair value of foreign exchange contracts
Derivative asset, notional amount	$ 150,000
Derivative, fixed interest rate	4.60%
Interest Rate Swap | Not Designated as Hedges
Fair value of foreign exchange contracts
Period for settling forward foreign exchange contracts	30 days
Interest Rate Swap | Not Designated as Hedges | Minimum
Fair value of foreign exchange contracts
Period of contracts having fixed maturity dates	3 years
Interest Rate Swap | Not Designated as Hedges | Maximum
Fair value of foreign exchange contracts
Period of contracts having fixed maturity dates	7 years
Interest Rate Lock Commitments
Fair value of foreign exchange contracts
Derivative, higher remaining maturity range	60 days
Interest Rate Lock Commitments | Not Designated as Hedges
Fair value of foreign exchange contracts
Derivative asset, notional amount	$ 26,145	15,124
Other Contract
Fair value of foreign exchange contracts
Amount of cash collateral posted	1,400
Forward foreign exchange contracts
Fair value of foreign exchange contracts
Amount of cash collateral posted	600
Forward foreign exchange contracts | Not Designated as Hedges
Fair value of foreign exchange contracts
Derivative asset, notional amount	408,953	275,962
Forward foreign exchange contracts | Designated as Hedges
Fair value of foreign exchange contracts
Derivative asset, notional amount	$ 45,857	$ 42,165

Derivative Instruments (Detai59

Derivative Instruments (Details 2) - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Derivative assets
Gross Amounts Recognized	$ 7,305	$ 5,294
Gross Amounts Offset	0	(1,179)
Net Amount Presented	7,305	4,115
Derivative liabilities
Gross Amounts Recognized	6,519	2,675
Gross Amounts Offset	(6,519)	(2,527)
Net Amount Presented	0	148
Forward foreign exchange contracts | Designated as Hedges
Derivative assets
Notional Amount	45,857	42,165
Gross Amounts Recognized	144	509
Gross Amounts Offset	0	0
Net Amount Presented	144	509
Forward foreign exchange contracts | Not Designated as Hedges
Derivative assets
Notional Amount	408,953	275,962
Gross Amounts Recognized	4,984	2,702
Gross Amounts Offset	0	(1,179)
Net Amount Presented	4,984	1,523
Derivative liabilities
Notional Amount		189,310
Gross Amounts Recognized		177
Gross Amounts Offset		(29)
Net Amount Presented		148
Interest Rate Contract | Designated as Hedges
Derivative assets
Notional Amount	150,000
Derivative liabilities
Notional Amount	150,000
Gross Amounts Recognized	4,267
Gross Amounts Offset	(4,267)
Net Amount Presented	0
Interest Rate Contract | Not Designated as Hedges
Derivative assets
Notional Amount	91,729	101,166
Gross Amounts Recognized	1,722	1,798
Gross Amounts Offset	0	0
Net Amount Presented	1,722	1,798
Derivative liabilities
Notional Amount	91,729	101,166
Gross Amounts Recognized	1,787	1,877
Gross Amounts Offset	(1,787)	(1,877)
Net Amount Presented	0	0
Other contracts | Not Designated as Hedges
Derivative liabilities
Notional Amount	13,804	13,804
Gross Amounts Recognized	465	621
Gross Amounts Offset	(465)	(621)
Net Amount Presented	0	0
Interest Rate Lock Commitments | Not Designated as Hedges
Derivative assets
Notional Amount	26,145	15,124
Gross Amounts Recognized	455	285
Gross Amounts Offset	0	0
Net Amount Presented	$ 455	$ 285

Derivative Instruments (Detai60

Derivative Instruments (Details 3) - USD ($)	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014
Derivatives instruments, gain (loss)
Derivative, Gain (Loss) on Derivative, Net	$ (9,113,000)	$ (15,878,000)	$ 28,778,000	$ (701,000)
Net investment hedges:
Net unrealized gain	(674,000)	(1,382,000)	2,914,000	(172,000)
Credit risk-related contingent features
Forward foreign exchange contracts with credit risk-related contingent features, notional value	124,000,000		124,000,000
Additional collateral required, if TCF was rated less than BB- by Standard and Poor's	2,500,000		2,500,000
Forward foreign exchange contracts with credit risk-related contingent features, net liability amount	0		0
Designated as Hedges | Net Investment Hedges
Net investment hedges:
Net investment hedge	(674,000)	(1,382,000)	2,914,000	(172,000)
Net Realized Gain (Loss) On Derivative Instruments Recognized In Non-Interest Income | Designated as Hedges | Fair Value Hedging
Derivatives instruments, gain (loss)
Derivative, Gain (Loss) on Derivative, Net	4,690,000	0	3,563,000	0
Interest Rate Contract | Net Realized Gain (Loss) On Derivative Instruments Recognized In Non-Interest Income | Designated as Hedges | Fair Value Hedging
Derivatives instruments, gain (loss)
Derivative, Gain (Loss) on Derivative, Net	(5,541,000)	0	(4,267,000)	0
Interest Rate Contract | Net Realized Gain (Loss) On Derivative Instruments Recognized In Non-Interest Income | Not Designated as Hedges
Derivatives instruments, gain (loss)
Derivative, Gain (Loss) on Derivative, Net	41,000	(30,000)	20,000	(50,000)
Foreign Exchange Forward | Net Realized Gain (Loss) On Derivative Instruments Recognized In Non-Interest Expense | Not Designated as Hedges
Derivatives instruments, gain (loss)
Derivative, Gain (Loss) on Derivative, Net	(8,168,000)	(15,848,000)	29,292,000	(651,000)
Interest Rate Lock Commitments | Net Realized Gain (Loss) On Derivative Instruments Recognized In Non-Interest Income | Not Designated as Hedges
Derivatives instruments, gain (loss)
Derivative, Gain (Loss) on Derivative, Net	$ (135,000)	$ 0	$ 170,000	$ 0

Fair Values Disclosures (Detail

Fair Values Disclosures (Details) - USD ($) $ in Millions	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014
Measurement of fair value on a non-recurring basis
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Asset Impairment Charges	$ 4	$ 2.9	$ 7.5	$ 6.2

Fair Values Disclosures (Deta62

Fair Values Disclosures (Details 1) - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Assets and liabilities measured at fair value on a non-recurring basis
Held-to-maturity Securities	$ 208,911	$ 214,454
Interest-only strips	35,200	48,600
U.S. Government sponsored enterprises and federal agencies
Assets and liabilities measured at fair value on a non-recurring basis
Held-to-maturity Securities	204,179	209,538
Other securities
Assets and liabilities measured at fair value on a non-recurring basis
Held-to-maturity Securities	4,732	4,916
Measurement of fair value on a recurring basis
Assets and liabilities measured at fair value on a non-recurring basis
Fair value carrying amount	661,602	490,618
Liabilities	26,011	21,420
Measurement of fair value on a recurring basis | Loans and Leases Held for Sale
Assets and liabilities measured at fair value on a non-recurring basis
Fair value carrying amount	4,962	3,308
Measurement of fair value on a recurring basis | Foreign Exchange Forward
Assets and liabilities measured at fair value on a non-recurring basis
Fair value carrying amount	5,128	3,211
Liabilities		177
Measurement of fair value on a recurring basis | Interest rate contracts
Assets and liabilities measured at fair value on a non-recurring basis
Fair value carrying amount	1,722	1,798
Liabilities	6,054	1,877
Measurement of fair value on a recurring basis | Interest Rate Lock Commitments
Assets and liabilities measured at fair value on a non-recurring basis
Fair value carrying amount	455	285
Measurement of fair value on a recurring basis | Forward Loan Sales Commitments
Assets and liabilities measured at fair value on a non-recurring basis
Fair value carrying amount	52	19
Liabilities	57	42
Measurement of fair value on a recurring basis | Assets Held-in-trust for deferred compensation plans
Assets and liabilities measured at fair value on a non-recurring basis
Fair value carrying amount	19,435	18,703
Measurement of fair value on a recurring basis | Liabilities held in trust for deferred compensation plans
Assets and liabilities measured at fair value on a non-recurring basis
Liabilities	19,435	18,703
Measurement of fair value on a recurring basis | Other contracts
Assets and liabilities measured at fair value on a non-recurring basis
Liabilities	465	621
Measurement of fair value on a recurring basis | U.S. Government sponsored enterprises and federal agencies
Assets and liabilities measured at fair value on a non-recurring basis
Fair value carrying amount	591,907	463,239
Measurement of fair value on a recurring basis | Mortgage-backed securities, Other
Assets and liabilities measured at fair value on a non-recurring basis
Fair value carrying amount	45	55
Measurement of fair value on a recurring basis | Obligations of states and political subdivisions
Assets and liabilities measured at fair value on a non-recurring basis
Fair value carrying amount	37,718
Measurement of fair value on a recurring basis | Other securities
Assets and liabilities measured at fair value on a non-recurring basis
Fair value carrying amount	178
Measurement of fair value on a non-recurring basis
Assets and liabilities measured at fair value on a non-recurring basis
Fair value carrying amount	201,547	264,812
Held-to-maturity Securities	1,332	1,516
Loans	149,037	164,897
Interest-only strips	4,505	41,204
Repossessed and returned assets	3,911	2,988
Measurement of fair value on a non-recurring basis | Consumer real estate
Assets and liabilities measured at fair value on a non-recurring basis
Real estate owned	39,140	40,502
Measurement of fair value on a non-recurring basis | Commercial real estate
Assets and liabilities measured at fair value on a non-recurring basis
Real estate owned	3,622	13,705
Level 1
Assets and liabilities measured at fair value on a non-recurring basis
Held-to-maturity Securities	0	0
Loans	0	0
Interest-only strips	0	0
Level 1 | Measurement of fair value on a recurring basis
Assets and liabilities measured at fair value on a non-recurring basis
Fair value carrying amount	19,613	18,703
Liabilities	19,435	18,703
Level 1 | Measurement of fair value on a recurring basis | Loans and Leases Held for Sale
Assets and liabilities measured at fair value on a non-recurring basis
Fair value carrying amount	0	0
Level 1 | Measurement of fair value on a recurring basis | Foreign Exchange Forward
Assets and liabilities measured at fair value on a non-recurring basis
Fair value carrying amount	0	0
Liabilities		0
Level 1 | Measurement of fair value on a recurring basis | Interest rate contracts
Assets and liabilities measured at fair value on a non-recurring basis
Fair value carrying amount	0	0
Liabilities	0	0
Level 1 | Measurement of fair value on a recurring basis | Interest Rate Lock Commitments
Assets and liabilities measured at fair value on a non-recurring basis
Fair value carrying amount	0	0
Level 1 | Measurement of fair value on a recurring basis | Forward Loan Sales Commitments
Assets and liabilities measured at fair value on a non-recurring basis
Fair value carrying amount	0	0
Liabilities	0	0
Level 1 | Measurement of fair value on a recurring basis | Assets Held-in-trust for deferred compensation plans
Assets and liabilities measured at fair value on a non-recurring basis
Fair value carrying amount	19,435	18,703
Level 1 | Measurement of fair value on a recurring basis | Liabilities held in trust for deferred compensation plans
Assets and liabilities measured at fair value on a non-recurring basis
Liabilities	19,435	18,703
Level 1 | Measurement of fair value on a recurring basis | Other contracts
Assets and liabilities measured at fair value on a non-recurring basis
Liabilities	0	0
Level 1 | Measurement of fair value on a recurring basis | U.S. Government sponsored enterprises and federal agencies
Assets and liabilities measured at fair value on a non-recurring basis
Fair value carrying amount	0	0
Level 1 | Measurement of fair value on a recurring basis | Mortgage-backed securities, Other
Assets and liabilities measured at fair value on a non-recurring basis
Fair value carrying amount	0	0
Level 1 | Measurement of fair value on a recurring basis | Obligations of states and political subdivisions
Assets and liabilities measured at fair value on a non-recurring basis
Fair value carrying amount	0
Level 1 | Measurement of fair value on a recurring basis | Other securities
Assets and liabilities measured at fair value on a non-recurring basis
Fair value carrying amount	178
Level 1 | Measurement of fair value on a non-recurring basis
Assets and liabilities measured at fair value on a non-recurring basis
Fair value carrying amount	0	0
Held-to-maturity Securities	0	0
Loans	0	0
Interest-only strips	0	0
Repossessed and returned assets	0	0
Level 1 | Measurement of fair value on a non-recurring basis | Consumer real estate
Assets and liabilities measured at fair value on a non-recurring basis
Real estate owned	0	0
Level 1 | Measurement of fair value on a non-recurring basis | Commercial real estate
Assets and liabilities measured at fair value on a non-recurring basis
Real estate owned	0	0
Level 2
Assets and liabilities measured at fair value on a non-recurring basis
Held-to-maturity Securities	208,615	217,418
Loans	0	0
Interest-only strips	0	0
Level 2 | Measurement of fair value on a recurring basis
Assets and liabilities measured at fair value on a non-recurring basis
Fair value carrying amount	636,475	468,248
Liabilities	6,054	2,054
Level 2 | Measurement of fair value on a recurring basis | Loans and Leases Held for Sale
Assets and liabilities measured at fair value on a non-recurring basis
Fair value carrying amount	0	0
Level 2 | Measurement of fair value on a recurring basis | Foreign Exchange Forward
Assets and liabilities measured at fair value on a non-recurring basis
Fair value carrying amount	5,128	3,211
Liabilities		177
Level 2 | Measurement of fair value on a recurring basis | Interest rate contracts
Assets and liabilities measured at fair value on a non-recurring basis
Fair value carrying amount	1,722	1,798
Liabilities	6,054	1,877
Level 2 | Measurement of fair value on a recurring basis | Interest Rate Lock Commitments
Assets and liabilities measured at fair value on a non-recurring basis
Fair value carrying amount	0	0
Level 2 | Measurement of fair value on a recurring basis | Forward Loan Sales Commitments
Assets and liabilities measured at fair value on a non-recurring basis
Fair value carrying amount	0	0
Liabilities	0	0
Level 2 | Measurement of fair value on a recurring basis | Assets Held-in-trust for deferred compensation plans
Assets and liabilities measured at fair value on a non-recurring basis
Fair value carrying amount	0	0
Level 2 | Measurement of fair value on a recurring basis | Liabilities held in trust for deferred compensation plans
Assets and liabilities measured at fair value on a non-recurring basis
Liabilities	0	0
Level 2 | Measurement of fair value on a recurring basis | Other contracts
Assets and liabilities measured at fair value on a non-recurring basis
Liabilities	0	0
Level 2 | Measurement of fair value on a recurring basis | U.S. Government sponsored enterprises and federal agencies
Assets and liabilities measured at fair value on a non-recurring basis
Fair value carrying amount	591,907	463,239
Level 2 | Measurement of fair value on a recurring basis | Mortgage-backed securities, Other
Assets and liabilities measured at fair value on a non-recurring basis
Fair value carrying amount	0	0
Level 2 | Measurement of fair value on a recurring basis | Obligations of states and political subdivisions
Assets and liabilities measured at fair value on a non-recurring basis
Fair value carrying amount	37,718
Level 2 | Measurement of fair value on a recurring basis | Other securities
Assets and liabilities measured at fair value on a non-recurring basis
Fair value carrying amount	0
Level 2 | Measurement of fair value on a non-recurring basis
Assets and liabilities measured at fair value on a non-recurring basis
Fair value carrying amount	2,609	6,402
Held-to-maturity Securities	0	0
Loans	0	0
Interest-only strips	0	0
Repossessed and returned assets	2,609	1,563
Level 2 | Measurement of fair value on a non-recurring basis | Consumer real estate
Assets and liabilities measured at fair value on a non-recurring basis
Real estate owned	0	0
Level 2 | Measurement of fair value on a non-recurring basis | Commercial real estate
Assets and liabilities measured at fair value on a non-recurring basis
Real estate owned	0	4,839
Level 3
Assets and liabilities measured at fair value on a non-recurring basis
Held-to-maturity Securities	4,732	4,916
Loans	19,585	18,724
Interest-only strips	59,135	73,058
Level 3 | Measurement of fair value on a recurring basis
Assets and liabilities measured at fair value on a non-recurring basis
Fair value carrying amount	5,514	3,667
Liabilities	522	663
Level 3 | Measurement of fair value on a recurring basis | Loans and Leases Held for Sale
Assets and liabilities measured at fair value on a non-recurring basis
Fair value carrying amount	4,962	3,308
Level 3 | Measurement of fair value on a recurring basis | Foreign Exchange Forward
Assets and liabilities measured at fair value on a non-recurring basis
Fair value carrying amount	0	0
Liabilities		0
Level 3 | Measurement of fair value on a recurring basis | Interest rate contracts
Assets and liabilities measured at fair value on a non-recurring basis
Fair value carrying amount	0	0
Liabilities	0	0
Level 3 | Measurement of fair value on a recurring basis | Interest Rate Lock Commitments
Assets and liabilities measured at fair value on a non-recurring basis
Fair value carrying amount	455	285
Level 3 | Measurement of fair value on a recurring basis | Forward Loan Sales Commitments
Assets and liabilities measured at fair value on a non-recurring basis
Fair value carrying amount	52	19
Liabilities	57	42
Level 3 | Measurement of fair value on a recurring basis | Assets Held-in-trust for deferred compensation plans
Assets and liabilities measured at fair value on a non-recurring basis
Fair value carrying amount	0	0
Level 3 | Measurement of fair value on a recurring basis | Liabilities held in trust for deferred compensation plans
Assets and liabilities measured at fair value on a non-recurring basis
Liabilities	0	0
Level 3 | Measurement of fair value on a recurring basis | Other contracts
Assets and liabilities measured at fair value on a non-recurring basis
Liabilities	465	621
Level 3 | Measurement of fair value on a recurring basis | U.S. Government sponsored enterprises and federal agencies
Assets and liabilities measured at fair value on a non-recurring basis
Fair value carrying amount	0	0
Level 3 | Measurement of fair value on a recurring basis | Mortgage-backed securities, Other
Assets and liabilities measured at fair value on a non-recurring basis
Fair value carrying amount	45	55
Level 3 | Measurement of fair value on a recurring basis | Obligations of states and political subdivisions
Assets and liabilities measured at fair value on a non-recurring basis
Fair value carrying amount	0
Level 3 | Measurement of fair value on a recurring basis | Other securities
Assets and liabilities measured at fair value on a non-recurring basis
Fair value carrying amount	0
Level 3 | Measurement of fair value on a non-recurring basis
Assets and liabilities measured at fair value on a non-recurring basis
Fair value carrying amount	198,938	258,410
Held-to-maturity Securities	1,332	1,516
Loans	149,037	164,897
Interest-only strips	4,505	41,204
Repossessed and returned assets	1,302	1,425
Level 3 | Measurement of fair value on a non-recurring basis | Consumer real estate
Assets and liabilities measured at fair value on a non-recurring basis
Real estate owned	39,140	40,502
Level 3 | Measurement of fair value on a non-recurring basis | Commercial real estate
Assets and liabilities measured at fair value on a non-recurring basis
Real estate owned	$ 3,622	$ 8,866

Fair Values Disclosures (Deta63

Fair Values Disclosures (Details 2) - Level 3 - Measurement of fair value on a recurring basis - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014
Interest Rate Lock Commitments
Fair Value, Net Derivative Asset (Liability) Measured on Recurring Basis, Unobservable Input Reconciliation [Roll Forward]
Beginning balance	$ 589	$ 0	$ 285	$ 0
Net income	(134)		170
Sales	0		0
Originations	0		0
Principal paydowns / settlements	0	0	0	0
Ending balance	455	0	455	0
Forward Loan Sales Commitments
Fair Value, Net Derivative Asset (Liability) Measured on Recurring Basis, Unobservable Input Reconciliation [Roll Forward]
Beginning balance	(113)	0	(23)	0
Net income	108		18
Sales	0		0
Originations	0		0
Principal paydowns / settlements	0	0	0	0
Ending balance	(5)	0	(5)	0
Other Contract
Fair Value, Net Derivative Asset (Liability) Measured on Recurring Basis, Unobservable Input Reconciliation [Roll Forward]
Beginning balance	(544)	(819)	(621)	(899)
Net income	0		0
Sales	0		0
Originations	0		0
Principal paydowns / settlements	79	82	156	162
Ending balance	(465)	(737)	(465)	(737)
Available-for-sale Securities
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Beginning balance	50	87	55	93
Net income	0		0
Sales	0		0
Originations	0		0
Principal paydowns / settlements	(5)	(6)	(10)	(12)
Ending balance	45	81	45	81
Loans and Leases Held for Sale
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Beginning balance	6,248	0	3,308	0
Net income	(58)		32
Sales	(74,489)		(136,264)
Originations	73,261		137,886
Principal paydowns / settlements	0	0	0	0
Ending balance	$ 4,962	$ 0	$ 4,962	$ 0

Fair Values Disclosures (Deta64

Fair Values Disclosures (Details 3) - Loans and Leases Held for Sale - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2015	Dec. 31, 2014
Fair Value, Option, Quantitative Disclosures [Line Items]
Fair value carrying amount	$ 4,962	$ 3,308
Aggregate unpaid principal amount	4,840	3,205
Fair value carrying amount less aggregate unpaid principal	122	$ 103
Gain (Loss) on Sales of Consumer Loans
Fair Value, Option, Quantitative Disclosures [Line Items]
Net gain from initial measurement of the above loans and subsequent changes in fair value for loans outstanding	$ 3,000

Fair Values Disclosures (Deta65

Fair Values Disclosures (Details 4) - USD ($) $ in Thousands	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2013
Financial instrument assets:
Securities held to maturity	$ 208,911		$ 214,454
Loans:
Commercial real estate	2,535,794		2,624,255
Allowance for loan losses	(156,115)	$ (163,799)	(164,169)	$ (236,081)	$ (247,046)	$ (252,230)
Interest-only strips	35,200		48,600
Level 1
Financial instrument assets:
Investments	0		0
Securities held to maturity	0		0
Loans and leases held for sale	0		0
Loans:
Consumer real estate	0		0
Commercial real estate	0		0
Commercial business	0		0
Equipment finance	0		0
Inventory finance	0		0
Auto finance	0		0
Other	0		0
Allowance for loan losses	0		0
Interest-only strips	0		0
Total financial instrument assets	0		0
Financial instrument liabilities:
Deposits	12,630,989		12,400,693
Long-term borrowings	0		0
Total financial instrument liabilities	12,630,989		12,400,693
Financial instruments with off-balance sheet risk:
Commitments to extend credit	0		0
Standby letters of credit	0		0
Total financial instruments with off-balance-sheet risk	0		0
Level 2
Financial instrument assets:
Investments	78,518		85,492
Securities held to maturity	208,615		217,418
Loans and leases held for sale	0		0
Loans:
Consumer real estate	0		0
Commercial real estate	0		0
Commercial business	0		0
Equipment finance	0		0
Inventory finance	0		0
Auto finance	0		0
Other	0		0
Allowance for loan losses	0		0
Interest-only strips	0		0
Total financial instrument assets	287,133		302,910
Financial instrument liabilities:
Deposits	3,213,957		3,063,850
Long-term borrowings	1,217,737		1,246,221
Total financial instrument liabilities	4,431,694		4,310,071
Financial instruments with off-balance sheet risk:
Commitments to extend credit	24,627		25,885
Standby letters of credit	(64)		(47)
Total financial instruments with off-balance-sheet risk	24,563		25,838
Level 3
Financial instrument assets:
Investments	0		0
Securities held to maturity	4,732		4,916
Loans and leases held for sale	211,733		139,370
Loans:
Consumer real estate	5,662,803		5,836,770
Commercial real estate	2,480,050		2,575,625
Commercial business	555,120		512,083
Equipment finance	1,821,704		1,787,271
Inventory finance	2,092,911		1,864,786
Auto finance	2,315,076		1,927,384
Other	19,585		18,724
Allowance for loan losses	0		0
Interest-only strips	59,135		73,058
Total financial instrument assets	15,222,849		14,739,987
Financial instrument liabilities:
Deposits	0		0
Long-term borrowings	5,390		8,054
Total financial instrument liabilities	5,390		8,054
Financial instruments with off-balance sheet risk:
Commitments to extend credit	0		0
Standby letters of credit	0		0
Total financial instruments with off-balance-sheet risk	0		0
Carrying Amount
Financial instrument assets:
Investments	78,518		85,492
Securities held to maturity	208,911		214,454
Loans and leases held for sale	200,034		132,266
Loans:
Consumer real estate	5,544,029		5,682,364
Commercial real estate	2,535,794		2,624,255
Commercial business	576,550		533,410
Equipment finance	1,836,808		1,806,808
Inventory finance	2,106,087		1,877,090
Auto finance	2,301,714		1,915,061
Other	21,852		24,144
Allowance for loan losses	(156,115)		(164,169)
Interest-only strips	55,944		69,789
Total financial instrument assets	15,310,126		14,800,964
Financial instrument liabilities:
Deposits	15,827,219		15,449,882
Long-term borrowings	1,210,736		1,232,065
Total financial instrument liabilities	17,037,955		16,681,947
Financial instruments with off-balance sheet risk:
Commitments to extend credit	24,627		25,885
Standby letters of credit	(64)		(47)
Total financial instruments with off-balance-sheet risk	24,563		25,838
Estimated Fair Value
Financial instrument assets:
Investments	78,518		85,492
Securities held to maturity	213,347		222,334
Loans and leases held for sale	211,733		139,370
Loans:
Consumer real estate	5,662,803		5,836,770
Commercial real estate	2,480,050		2,575,625
Commercial business	555,120		512,083
Equipment finance	1,821,704		1,787,271
Inventory finance	2,092,911		1,864,786
Auto finance	2,315,076		1,927,384
Other	19,585		18,724
Allowance for loan losses	0		0
Interest-only strips	59,135		73,058
Total financial instrument assets	15,509,982		15,042,897
Financial instrument liabilities:
Deposits	15,844,946		15,464,543
Long-term borrowings	1,223,127		1,254,275
Total financial instrument liabilities	17,068,073		16,718,818
Financial instruments with off-balance sheet risk:
Commitments to extend credit	24,627		25,885
Standby letters of credit	(64)		(47)
Total financial instruments with off-balance-sheet risk	$ 24,563		$ 25,838

Earnings Per Common Share (Deta

Earnings Per Common Share (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014
Basic Earnings Per Common Share
Net income available to common stockholders	$ 47,408	$ 48,278	$ 82,362	$ 88,188
Earnings allocated to participating securities	11	12	22	23
Earnings allocated to common stock	$ 47,397	$ 48,266	$ 82,340	$ 88,165
Weighted-average common shares outstanding for basic earnings per common share	165,588,846	163,252,550	165,219,090	163,011,047
Basic earnings per common share (in dollars per share)	$ 0.29	$ 0.30	$ 0.50	$ 0.54
Diluted Earnings Per Common Share
Earnings allocated to common stock	$ 47,397	$ 48,266	$ 82,340	$ 88,165
Weighted-average common shares outstanding used in basic earnings per common share calculation	165,588,846	163,252,550	165,219,090	163,011,047
Net dilutive effect of:
Non-participating restricted stock (in shares)	302,079	202,475	297,035	214,186
Stock options (in shares)	226,952	259,211	227,594	265,335
Weighted-average common shares outstanding for diluted earnings per common share	166,117,877	163,714,236	165,743,719	163,490,568
Diluted earnings per common share (in dollars per share)	$ 0.29	$ 0.29	$ 0.50	$ 0.54

Earnings Per Common Share (De67

Earnings Per Common Share (Details 2) - shares shares in Millions	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014
Non-participating restricted stock, stock options and warrants
Antidilutive Securities Excluded from Computation of Earnings Per Share
Antidilutive Securities Excluded from Computation of Earnings Per Share, Amount	4.6	4.1	4.6	4.1

Business Segments (Details)

Business Segments (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014	Dec. 31, 2014
Revenue (expense) from operations:
Net interest income (expense)	$ 206,029	$ 206,101	$ 409,449	$ 407,375
Provision for credit losses	12,528	9,909	25,319	24,401
Non-interest income	113,449	104,016	214,087	207,423
Non-interest expense	223,109	213,195	449,876	430,331
Income tax expense (benefit)	28,902	31,385	51,730	57,964
Income after income tax expense	54,939	55,628	96,611	102,102
Income attributable to non-controlling interest	2,684	2,503	4,555	4,220
Preferred stock dividends	4,847	4,847	9,694	9,694
Net income available to common stockholders	47,408	48,278	82,362	88,188
Total assets	19,826,350	18,837,777	19,826,350	18,837,777	$ 19,394,611
Revenues from external customers:
Interest income	223,081	220,091	442,875	434,718
Non-interest income	113,449	104,016	214,087	207,423
Total	336,530	324,107	656,962	642,141
Operating | Lending
Revenue (expense) from operations:
Net interest income (expense)	155,920	149,377	309,348	294,197
Provision for credit losses	11,948	9,120	24,579	23,357
Non-interest income	60,526	47,191	109,089	98,489
Non-interest expense	114,530	105,109	227,030	210,841
Income tax expense (benefit)	32,266	29,837	59,745	57,750
Income after income tax expense	57,702	52,502	107,083	100,738
Income attributable to non-controlling interest	2,684	2,503	4,555	4,220
Preferred stock dividends	0	0	0	0
Net income available to common stockholders	55,018	49,999	102,528	96,518
Total assets	17,430,400	16,659,897	17,430,400	16,659,897
Revenues from external customers:
Interest income	217,022	214,549	431,101	423,781
Non-interest income	60,526	47,191	109,089	98,489
Total	277,548	261,740	540,190	522,270
Operating | Funding
Revenue (expense) from operations:
Net interest income (expense)	50,926	57,422	101,717	114,640
Provision for credit losses	580	789	740	1,044
Non-interest income	52,895	55,969	103,103	107,629
Non-interest expense	108,583	108,304	220,374	216,808
Income tax expense (benefit)	(1,982)	1,628	(5,942)	1,702
Income after income tax expense	(3,360)	2,670	(10,352)	2,715
Income attributable to non-controlling interest	0	0	0	0
Preferred stock dividends	0	0	0	0
Net income available to common stockholders	(3,360)	2,670	(10,352)	2,715
Total assets	7,038,178	8,697,212	7,038,178	8,697,212
Revenues from external customers:
Interest income	6,059	5,542	11,774	10,937
Non-interest income	52,882	55,954	103,077	107,599
Total	58,941	61,496	114,851	118,536
Operating | Support Services
Revenue (expense) from operations:
Net interest income (expense)	49	56	71	54
Provision for credit losses	0	0	0	0
Non-interest income	28,404	34,021	60,361	67,781
Non-interest expense	28,372	32,947	60,938	69,158
Income tax expense (benefit)	(516)	674	(386)	28
Income after income tax expense	597	456	(120)	(1,351)
Income attributable to non-controlling interest	0	0	0	0
Preferred stock dividends	4,847	4,847	9,694	9,694
Net income available to common stockholders	(4,250)	(4,391)	(9,814)	(11,045)
Total assets	187,530	176,026	187,530	176,026
Revenues from external customers:
Interest income	0	0	0	0
Non-interest income	41	871	1,921	1,335
Total	41	871	1,921	1,335
Eliminations
Revenue (expense) from operations:
Net interest income (expense)	(866)	(754)	(1,687)	(1,516)
Provision for credit losses	0	0	0	0
Non-interest income	(28,376)	(33,165)	(58,466)	(66,476)
Non-interest expense	(28,376)	(33,165)	(58,466)	(66,476)
Income tax expense (benefit)	(866)	(754)	(1,687)	(1,516)
Income after income tax expense	0	0	0	0
Income attributable to non-controlling interest	0	0	0	0
Preferred stock dividends	0	0	0	0
Net income available to common stockholders	0	0	0	0
Total assets	(4,829,758)	(6,695,358)	(4,829,758)	(6,695,358)
Revenues from external customers:
Interest income	0	0	0	0
Non-interest income	0	0	0	0
Total	$ 0	$ 0	$ 0	$ 0

Accumulated Other Comprehensi69

Accumulated Other Comprehensive Income (Loss) (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014
Securities available for sale, Before Tax
Unrealized gains (losses) arising during the period, Before Tax	$ (11,140)	$ 8,648	$ (7,001)	$ 20,514
Reclassification of net (gains) losses to net income, Before Tax	286	(452)	590	(629)
Net unrealized gains (losses), Before Tax	(10,854)	8,196	(6,411)	19,885
Securities available for sale, Tax Effect
Unrealized gains (losses) arising during the period, Tax Effect	4,207	(3,257)	2,644	(7,725)
Reclassification of net (gains) losses to net income, Tax Effect	(108)	170	(223)	236
Net unrealized gains (losses), Tax Effect	4,099	(3,087)	2,421	(7,489)
Securities available for sale, Net of Tax
Unrealized gains (losses) arising during the period, Net of Tax	(6,933)	5,391	(4,357)	12,789
Reclassification of net (gains) losses to net income, Net of Tax	178	(282)	367	(393)
Net unrealized gains (losses), Net of Tax	(6,755)	5,109	(3,990)	12,396
Foreign currency hedge, Net of Tax
Unrealized gains (losses) arising during the period, Before Tax	(674)	(1,382)	2,914	(172)
Unrealized gains (losses) arising during the period, Tax Effect	254	522	(1,101)	65
Unrealized gains (losses) arising during the period, Net of Tax	(420)	(860)	1,813	(107)
Foreign currency translation adjustment, Net of Tax
Unrealized gains (losses) arising during the period, Before Tax	617	1,399	(3,269)	23
Unrealized gains (losses) arising during the period, Tax Effect	0	0	0	0
Unrealized gains (losses) arising during the period, Net of Tax	617	1,399	(3,269)	23
Recognized postretirement prior service cost and translation obligation, Net of Tax
Reclassification of net (gains) losses to net income, Before Tax	(11)	(11)	(23)	(23)
Reclassification of net (gains) losses to net income, Tax Effect	5	4	9	9
Reclassification of net (gains) losses to net income, Net of Tax	(6)	(7)	(14)	(14)
Total other comprehensive loss, Net of Tax
Total other comprehensive income (loss), Before Tax	(10,922)	8,202	(6,789)	19,713
Total other comprehensive income (loss), Tax Effect	4,358	(2,561)	1,329	(7,415)
Total other comprehensive income (loss)	$ (6,564)	$ 5,641	$ (5,460)	$ 12,298

Accumulated Other Comprehensi70

Accumulated Other Comprehensive Income (Loss) (Details 2) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014
Changes in accumulated other comprehensive income by component
Comprehensive income at the beginning of the period	$ (9,806)	$ (20,556)	$ (10,910)	$ (27,213)
Other comprehensive income (loss)	(6,736)	5,930	(5,813)	12,705
Amounts reclassified from accumulated other comprehensive income (loss)	172	(289)	353	(407)
Total other comprehensive income (loss)	(6,564)	5,641	(5,460)	12,298
Comprehensive income at the end of the period	(16,370)	(14,915)	(16,370)	(14,915)
Securities Available for Sale
Changes in accumulated other comprehensive income by component
Comprehensive income at the beginning of the period	(6,126)	(19,696)	(8,891)	(26,983)
Other comprehensive income (loss)	(6,933)	5,391	(4,357)	12,789
Amounts reclassified from accumulated other comprehensive income (loss)	178	(282)	367	(393)
Total other comprehensive income (loss)	(6,755)	5,109	(3,990)	12,396
Comprehensive income at the end of the period	(12,881)	(14,587)	(12,881)	(14,587)
Net Investment Hedges
Changes in accumulated other comprehensive income by component
Comprehensive income at the beginning of the period	4,769	1,344	2,536	591
Other comprehensive income (loss)	(420)	(860)	1,813	(107)
Amounts reclassified from accumulated other comprehensive income (loss)	0	0	0	0
Total other comprehensive income (loss)	(420)	(860)	1,813	(107)
Comprehensive income at the end of the period	4,349	484	4,349	484
Foreign Currency Translation Adjustment
Changes in accumulated other comprehensive income by component
Comprehensive income at the beginning of the period	(8,646)	(2,432)	(4,760)	(1,056)
Other comprehensive income (loss)	617	1,399	(3,269)	23
Amounts reclassified from accumulated other comprehensive income (loss)	0	0	0	0
Total other comprehensive income (loss)	617	1,399	(3,269)	23
Comprehensive income at the end of the period	(8,029)	(1,033)	(8,029)	(1,033)
Recognized Postretirement Prior Service Cost and Transition Obligation
Changes in accumulated other comprehensive income by component
Comprehensive income at the beginning of the period	197	228	205	235
Other comprehensive income (loss)	0	0	0	0
Amounts reclassified from accumulated other comprehensive income (loss)	(6)	(7)	(14)	(14)
Total other comprehensive income (loss)	(6)	(7)	(14)	(14)
Comprehensive income at the end of the period	$ 191	$ 221	$ 191	$ 221