TCF Financial 10-K 21 Feb 17 2016 FY Annual report Financial data

Document and Entity Information

Document and Entity Information - USD ($)	12 Months Ended
	Dec. 31, 2016	Feb. 16, 2017	Jun. 30, 2016
Document and Entity Information
Entity Registrant Name	TCF FINANCIAL CORP
Entity Central Index Key	814,184
Document Type	10-K
Document Period End Date	Dec. 31, 2016
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		170,627,418
Entity Well-known Seasoned Issuer	Yes
Entity Voluntary Filers	No
Document Fiscal Year Focus	2,016
Document Fiscal Period Focus	FY
Entity Public Float			$ 1,937,412,097

Consolidated Statements of Fina

Consolidated Statements of Financial Condition - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
Assets:
Cash and due from banks	$ 609,603	$ 889,337
Investments	74,714	70,537
Securities held to maturity	181,314	201,920
Securities available for sale	1,423,435	888,885
Loans and leases held for sale	268,832	157,625
Consumer real estate:
First mortgage lien	2,292,596	2,624,956
Junior lien	2,791,756	2,839,316
Total consumer real estate	5,084,352	5,464,272
Commercial	3,286,478	3,145,832
Leasing and equipment finance	4,336,310	4,012,248
Inventory finance	2,470,175	2,146,754
Auto finance	2,647,741	2,647,596
Other	18,771	19,297
Total loans and leases	17,843,827	17,435,999
Allowance for loan and lease losses	(160,269)	(156,054)
Net loans and leases	17,683,558	17,279,945
Premises and equipment, net	418,372	445,934
Goodwill	225,640	225,640
Other assets	555,858	529,786
Total assets	21,441,326	20,689,609
Deposits:
Checking	6,009,151	5,690,559
Savings	4,719,481	4,717,457
Money market	2,421,467	2,408,180
Certificates of deposit	4,092,423	3,903,793
Total deposits	17,242,522	16,719,989
Short-term borrowings	4,391	5,381
Long-term borrowings	1,073,181	1,034,557
Total borrowings	1,077,572	1,039,938
Accrued expenses and other liabilities	676,587	622,765
Total liabilities	18,996,681	18,382,692
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; 171,034,506 and 169,887,030 shares issued, respectively	1,710	1,699
Additional paid-in capital	862,776	851,836
Retained earnings, subject to certain restrictions	1,382,901	1,240,347
Accumulated other comprehensive income (loss)	(33,725)	(15,346)
Treasury stock at cost, 42,566 shares, and other	(49,419)	(50,860)
Total TCF Financial Corporation stockholders' equity	2,427,483	2,290,916
Non-controlling interest in subsidiaries	17,162	16,001
Total equity	2,444,645	2,306,917
Total liabilities and equity	$ 21,441,326	$ 20,689,609

Consolidated Statements of Fin3

Consolidated Statements of Financial Condition (Parenthetical) - $ / shares	Dec. 31, 2016	Dec. 31, 2015
Statement of Financial Position [Abstract]
Preferred stock, par value (in dollars per share)	$ 0.01	$ 0.01
Preferred stock, shares authorized (shares)	30,000,000	30,000,000
Preferred stock, shares issued (shares)	4,006,900	4,006,900
Common stock, par value (in dollars per share)	$ 0.01	$ 0.01
Common stock, shares authorized (shares)	280,000,000	280,000,000
Common stock, shares issued (shares)	171,034,506	169,887,030
Treasury stock at cost, shares (shares)	42,566	42,566

Consolidated Statements of Inco

Consolidated Statements of Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Interest income:
Loans and leases	$ 850,546	$ 832,736	$ 820,436
Securities available for sale	26,573	15,648	11,994
Securities held to maturity	4,649	5,486	5,281
Loans held for sale and other	48,962	38,060	36,518
Total interest income	930,730	891,930	874,229
Interest expense:
Deposits	61,788	48,226	38,385
Borrowings	20,836	23,316	20,215
Total interest expense	82,624	71,542	58,600
Net interest income	848,106	820,388	815,629
Provision for credit losses	65,874	52,944	95,737
Net interest income after provision for credit losses	782,232	767,444	719,892
Non-interest income:
Fees and service charges	137,664	144,999	154,386
Card revenue	54,882	54,387	51,323
ATM revenue	20,445	21,544	22,225
Subtotal	212,991	220,930	227,934
Gains on sales of auto loans, net	34,832	30,580	43,565
Gains on sales of consumer real estate loans, net	50,427	40,964	34,794
Servicing fee income	40,182	31,229	21,444
Subtotal	125,441	102,773	99,803
Leasing and equipment finance	119,166	108,129	93,799
Other	8,883	10,463	10,704
Fees and other revenue	466,481	442,295	432,240
Gains (losses) on securities, net	(581)	(297)	1,027
Total non-interest income	465,900	441,998	433,267
Non-interest expense:
Compensation and employee benefits	474,722	457,743	452,942
Occupancy and equipment	149,980	144,962	139,023
Other	231,420	229,255	227,970
Subtotal	856,122	831,960	819,935
Operating lease depreciation	40,359	39,409	27,152
Foreclosed real estate and repossessed assets, net	13,187	23,193	24,567
Other credit costs, net	219	185	123
Total non-interest expense	909,887	894,747	871,777
Income before income tax expense	338,245	314,695	281,382
Income tax expense	116,528	108,872	99,766
Income after income tax expense	221,717	205,823	181,616
Income attributable to non-controlling interest	9,593	8,700	7,429
Net income attributable to TCF Financial Corporation	212,124	197,123	174,187
Preferred stock dividends	19,388	19,388	19,388
Net income available to common stockholders	$ 192,736	$ 177,735	$ 154,799
Earnings per common share:
Basic (in dollars per share)	$ 1.15	$ 1.07	$ 0.95
Diluted (in dollars per share)	$ 1.15	$ 1.07	$ 0.94

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Statement of Comprehensive Income [Abstract]
Net income attributable to TCF Financial Corporation	$ 212,124	$ 197,123	$ 174,187
Other comprehensive income (loss), net of tax:
Net unrealized gains (losses) on securities available for sale and interest-only strips	(18,894)	(816)	18,092
Net unrealized gains (losses) on net investment hedges	(756)	4,713	1,945
Foreign currency translation adjustment	1,300	(8,304)	(3,704)
Recognized postretirement prior service cost	(29)	(29)	(30)
Total other comprehensive income (loss), net of tax	(18,379)	(4,436)	16,303
Comprehensive income	$ 193,745	$ 192,687	$ 190,490

Consolidated Statements of Equi

Consolidated Statements of Equity - USD ($) $ in Thousands	Total	TCF Financial Corporation	Preferred Stock	TCF 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	181,616	174,187				174,187			7,429
Other comprehensive income (loss), net of tax	16,303	16,303					16,303
Net investment by (distribution to) non-controlling interest	(5,505)								(5,505)
Dividends on preferred stock	(19,388)	(19,388)				(19,388)
Dividends on common stock	(32,731)	(32,731)				(32,731)
Common shares purchased by TCF employee benefit plans	23,083	23,083		$ 15	23,068
Common shares purchased by TCF employee benefit plans (in shares)				1,452,837
Stock compensation plans, net of tax	7,227	7,227		$ 8	7,219
Stock compensation plans, net of tax (in shares)				885,870
Change in shares held in trust for deferred compensation plans, at cost					7,202			(7,202)
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	205,823	197,123				197,123			8,700
Other comprehensive income (loss), net of tax	(4,436)	(4,436)					(4,436)
Net investment by (distribution to) non-controlling interest	(6,414)								(6,414)
Dividends on preferred stock	(19,388)	(19,388)				(19,388)
Dividends on common stock	(37,302)	(37,302)				(37,302)
Common shares purchased by TCF employee benefit plans	24,835	24,835		$ 16	24,819
Common shares purchased by TCF employee benefit plans (in shares)				1,588,111
Stock compensation plans, net of tax	8,435	8,435		$ 8	8,427
Stock compensation plans, net of tax (in shares)				795,351
Change in shares held in trust for deferred compensation plans, at cost					1,460			(1,460)
Balance at Dec. 31, 2015	2,306,917	2,290,916	$ 263,240	$ 1,699	851,836	1,240,347	(15,346)	(50,860)	16,001
Balance (in shares) at Dec. 31, 2015			4,006,900	169,887,030
Increase (Decrease) in Equity
Net income	221,717	212,124				212,124			9,593
Other comprehensive income (loss), net of tax	(18,379)	(18,379)					(18,379)
Net investment by (distribution to) non-controlling interest	(8,432)								(8,432)
Dividends on preferred stock	(19,388)	(19,388)				(19,388)
Dividends on common stock	(50,182)	(50,182)				(50,182)
Common shares purchased by TCF employee benefit plans	5,838	5,838		$ 5	5,833
Common shares purchased by TCF employee benefit plans (in shares)				511,420
Stock compensation plans, net of tax	6,554	6,554		$ 6	6,548
Stock compensation plans, net of tax (in shares)				636,056
Change in shares held in trust for deferred compensation plans, at cost					(1,441)			1,441
Balance at Dec. 31, 2016	$ 2,444,645	$ 2,427,483	$ 263,240	$ 1,710	$ 862,776	$ 1,382,901	$ (33,725)	$ (49,419)	$ 17,162
Balance (in shares) at Dec. 31, 2016			4,006,900	171,034,506

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Cash flows from operating activities:
Net Income	$ 221,717	$ 205,823	$ 181,616
Adjustments to reconcile net income to net cash provided by (used in) operating activities:
Provision for credit losses	65,874	52,944	95,737
Depreciation and amortization	182,226	157,287	128,701
Provision for deferred income taxes	32,966	20,786	37,432
Proceeds from sales of loans and leases held for sale	1,044,282	970,467	571,551
Originations of loans and leases held for sale, net of repayments	(1,207,227)	(965,712)	(626,172)
Gains on sales of assets, net	(97,383)	(80,471)	(90,736)
Net change in other assets and accrued expenses and other liabilities	71,495	31,975	46,192
Other, net	(24,667)	(29,439)	(32,571)
Net cash provided by (used in) operating activities	289,283	363,660	311,750
Cash flows from investing activities:
Proceeds from sales of securities	0	177	2,813
Proceeds from maturities of and principal collected on securities	145,782	94,250	58,151
Purchases of securities	(692,996)	(510,675)	(139,080)
Redemption of Federal Home Loan Bank stock	156,967	153,005	105,931
Purchases of Federal Home Loan Bank stock	(161,080)	(138,000)	(97,000)
Proceeds from sale of loans and leases	2,830,807	1,795,602	2,304,280
Loan and lease originations and purchases, net of principal collected on loans and leases	(2,200,776)	(1,968,134)	(2,190,753)
Proceeds from sale of leased equipment	11,650	10,041	7,737
Purchases of lease equipment	(1,197,281)	(1,087,438)	(920,985)
Proceeds from sales of real estate owned	65,235	71,709	67,049
Purchases of premises and equipment	(34,513)	(53,594)	(45,469)
Other, net	23,002	16,416	22,403
Net cash provided by (used in) investing activities	(1,053,203)	(1,616,641)	(824,923)
Cash flows from financing activities:
Net change in deposits	518,468	1,256,646	997,661
Net change in short-term borrowings	(1,192)	1,072	(493)
Proceeds from long-term borrowings	5,582,983	4,471,086	2,808,612
Payments on long-term borrowings	(5,542,831)	(4,666,595)	(3,059,948)
Net investment by (distribution to) non-controlling interest	(8,432)	(6,414)	(5,505)
Dividends paid on preferred stock	(19,388)	(19,388)	(19,388)
Dividends paid on common stock	(50,182)	(37,302)	(32,731)
Stock compensation tax (expense) benefit	(377)	558	1,316
Common shares sold to TCF employee benefit plans	5,838	24,835	23,083
Exercise of stock options	(701)	2,570	740
Net cash provided by (used in) financing activities	484,186	1,027,068	713,347
Net change in cash and due from banks	(279,734)	(225,913)	200,174
Cash and due from banks at beginning of period	889,337	1,115,250	915,076
Cash and due from banks at end of period	609,603	889,337	1,115,250
Cash paid (received) for:
Interest on deposits and borrowings	78,930	64,855	55,954
Income taxes, net	23,064	79,687	113,562
Transfer of loans to other assets	107,768	107,403	91,180
Transfer of securities available for sale to securities held to maturity	$ 0	$ 0	$ 191,665

Basis of Presentation

Basis of Presentation	12 Months Ended
	Dec. 31, 2016
Accounting Policies [Abstract]
Basis of Presentation	Basis of Presentation Basis of Presentation TCF Financial Corporation (together with its direct and indirect subsidiaries, "we," "us," "our," "TCF" or the "Company"), a Delaware corporation, is a national bank holding company based in Wayzata, Minnesota. References herein to "TCF Financial" or the "Holding Company" refer to TCF Financial Corporation on an unconsolidated basis. TCF's principal subsidiary, TCF National Bank ("TCF Bank"), is headquartered in Sioux Falls, South Dakota. All significant intercompany accounts and transactions have been eliminated in consolidation. The preparation of financial statements in conformity with U.S. generally accepted accounting principles ("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. Effective January 1, 2016, the Company retrospectively adopted Accounting Standards Update ("ASU") No. 2015-03, Interest-Imputation of Interest (Subtopic 835-30): Simplifying the Presentation of Debt Issuance Costs, which required that debt issuance costs be presented as a direct deduction from debt. Accordingly, the Company reclassified unamortized debt issuance costs of $2.1 million from Other assets to a reduction in Long-term borrowings on the Consolidated Statement of Financial Condition as of December 31, 2015. The adoption of this ASU did not impact results of operations, retained earnings or cash flows. Effective January 1, 2016, the Company changed its reportable segments to align with the way the Company is now managed. The revised presentation of previously reported segment data has been applied retroactively to all periods presented in these financial statements. The new reportable segments are Consumer Banking, Wholesale Banking and Enterprise Services. Previously, the Company's reportable segments were Lending, Funding and Support Services. The reportable segments follow GAAP as described below, except for the accounting for intercompany interest income and interest expense, which are eliminated in consolidation, and presenting net interest income on a fully tax-equivalent basis. See Note 22 , Business Segments for a description of the new segments. Critical Accounting Estimates Critical accounting estimates occur in certain accounting policies and procedures and are particularly susceptible to significant change. Policies that contain critical accounting estimates include the determination of the allowance for loan and lease losses, the determination of lease classification and the determination of current and deferred income taxes. Allowance for Loan and Lease Losses The allowance for loan and lease losses is maintained at a level appropriate to provide for probable loan and lease losses incurred in the portfolio as of the balance sheet date, including known or anticipated problem loans and leases, as well as for loans and leases which are not currently known to require specific allowances. Loans classified as troubled debt restructuring ("TDR") loans are considered impaired loans, along with non-accrual commercial loans, non-accrual equipment finance loans and non-accrual inventory finance loans. TCF individually evaluates impairment on all impaired loans and all non-accrual leases and other consumer real estate, commercial and auto finance loans specifically identified for evaluation. All other loans and leases are evaluated collectively for impairment. Loan impairment on consumer real estate TDR loans is a key component of the allowance for loan and lease losses. Impairment is generally based upon the present value of the expected future cash flows discounted at the loan's initial effective interest rate, unless the loans are collateral dependent, in which case loan impairment is based upon the fair value of the collateral less selling expenses. See Note 6 , Allowance for Loan and Lease Losses and Credit Quality Information for further information on the determination of the allowance for losses on accruing consumer real estate TDR loans. Impairment on commercial and inventory finance loans and on leasing and equipment finance loans and leases is generally based upon the present value of the expected future cash flows discounted at the initial effective interest rate of the loan or lease, unless the loan or lease is collateral dependent, in which case impairment is based upon the fair value of collateral less estimated selling costs; however, if payment or satisfaction of the loan or lease is dependent on the operation, rather than the sale of the collateral, the impairment does not include selling costs. Impairment on auto finance loans is generally based upon the fair value of collateral less estimated selling costs. The impairment for all other loans and leases is evaluated collectively by various characteristics. The collective evaluation of incurred losses in these portfolios is based upon their historical loss rates multiplied by the respective loss emergence period. Factors utilized in the determination of the amount of the allowance include historical trends in loss rates, a portfolio's overall risk characteristics, changes in its character or size, risk rating migration, delinquencies, collateral values, economic outlook and prevailing economic conditions. The various factors used in the methodologies are reviewed on a periodic basis. Loans and leases are charged off to the extent they are deemed to be uncollectible. Charge-offs related to losses are utilized in the historical data in calculating the allowance for loan and lease losses. Consumer real estate loans are charged off to the estimated fair value of the underlying collateral, less estimated selling costs, no later than 150 days past due. Additional review of the fair value, less estimated costs to sell, compared with the recorded value occurs upon foreclosure and additional charge-offs are recorded if necessary. Commercial loans, leasing and equipment finance loans and leases and inventory finance loans which are considered collateral dependent are charged off to estimated fair value, less estimated selling costs when it becomes probable, based on current information and events, that all principal and interest amounts will not be collectible in accordance with their contractual terms. Auto finance loans will be charged off in full no later than 120 days past due, unless repossession is reasonably assured and in process, in which case the loan would be charged off to the fair value of the collateral, less estimated selling costs. Consumer real estate and auto finance loans in bankruptcy status may be charged down to the fair value of the collateral, less estimated selling costs, within 60 days past due based on specific criteria. Deposit account overdrafts are reported in other loans. Net losses on uncollectible overdrafts are reported as net charge-offs in the allowance for loan and lease losses within 60 days from the date of overdraft. Loans which are not collateral dependent are charged off when deemed uncollectible based on specific facts and circumstances. The amount of the allowance for loan and lease losses significantly depends upon management's estimates of variables affecting valuation, appraisals of collateral, evaluations of performance and status and the amounts and timing of future cash flows expected to be received. Such estimates, appraisals, evaluations and cash flows may be subject to frequent adjustments due to changing economic prospects of borrowers, lessees or properties. These estimates are reviewed periodically and adjustments, if necessary, are recorded in the provision for credit losses in the periods in which they become known. Lease Financing TCF provides various types of commercial lease financing that are classified for accounting purposes as direct financing, sales-type or operating leases. Leases that transfer substantially all of the benefits and risks of ownership to the lessee are classified as direct financing or sales-type leases and are included in loans and leases. Direct financing and sales-type leases are carried at the combined present value of future minimum lease payments and lease residual values. The determination of lease classification requires various judgments and estimates by management including the fair value of the equipment at lease inception, useful life of the equipment under lease, estimate of the lease residual value and collectability of minimum lease payments. Sales-type leases generate dealer profit which is recognized at lease inception by recording lease revenue net of lease cost. Lease revenue consists of the present value of the future minimum lease payments. Lease cost consists of the leased equipment's book value, less the present value of its residual. Interest income on direct financing and sales-type leases is recognized using methods which approximate a level yield over the fixed, non-cancelable term of the lease. TCF receives pro rata rent payments for the interim period until the lease contract commences and the fixed, non-cancelable lease term begins. TCF recognizes these interim payments in the month they are earned and records the income in interest income on direct finance leases. Management has policies and procedures in place for the determination of lease classification and review of the related judgments and estimates for all lease financings. Some lease financings include a residual value component, which represents the estimated fair value of the leased equipment at the expiration of the initial term of the transaction. The estimation of residual values involves judgment regarding product and technology changes, customer behavior, shifts in supply and demand and other economic assumptions. TCF reviews residual assumptions in the portfolio at least annually and downward adjustments, if necessary, are charged to non-interest expense in the periods in which they become known.TCF may sell minimum lease payments primarily as a credit risk reduction tool to third-party financial institutions at fixed rates on a non-recourse basis with its underlying equipment as collateral. For those transactions which achieve sale treatment, the related lease cash flow stream and the non-recourse financing are derecognized. For those transactions which do not achieve sale treatment, the underlying lease remains on TCF's Consolidated Statements of Financial Condition and non-recourse debt is recorded in the amount of the proceeds received. TCF retains servicing of these leases and bills, collects and remits funds to the third-party financial institution. Upon default by the lessee, the third-party financial institutions may take control of the underlying collateral which TCF would otherwise retain as residual value. Leases that do not transfer substantially all benefits and risks of ownership to the lessee are classified as operating leases. Such leased equipment and related initial direct costs are included in other assets on the Consolidated Statements of Financial Condition and depreciated on a straight-line basis over the term of the lease to its estimated salvage value. Depreciation expense is recorded as operating lease expense and included in non-interest expense. Operating lease rental income is recognized when it is due and is reflected as a component of non-interest income. An allowance for lease losses is not provided on operating leases. Income Taxes Income taxes are accounted for using the asset and liability method. Under this method, deferred tax assets and liabilities are recognized for the future tax consequences attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax basis carrying amounts. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which those temporary differences are expected to be recovered or settled. The effect on deferred tax assets and liabilities of a change in tax rates is recorded in income tax expense in the Consolidated Statements of Income in the period in which the enactment date occurs. Also, if current period income tax rates change, the impact on the annual effective income tax rate is applied year to date in the period of enactment. The determination of current and deferred income taxes is a critical accounting estimate which is based on complex analyses of many factors, including interpretation of income tax laws, the evaluation of uncertain tax positions, differences between the tax and financial reporting bases of assets and liabilities (temporary differences), estimates of amounts due or owed, the timing of reversals of temporary differences and current financial accounting standards. Additionally, there can be no assurance that estimates and interpretations used in determining income tax assets or liabilities will not be challenged by taxing authorities. Actual results could differ significantly from the estimates and tax law interpretations used in determining the current and deferred income tax assets and liabilities. In the preparation of income tax returns, tax positions are taken based on interpretation of income tax laws for which the outcome is uncertain. Management periodically reviews and evaluates the status of uncertain tax positions and makes estimates of amounts ultimately due or owed. The benefits of tax positions are recorded in income tax expense in the Consolidated Statements of Income, net of the estimates of ultimate amounts due or owed, including any applicable interest and penalties. Changes in the estimated amounts due or owed may result from closing of the statute of limitations on tax returns, new legislation, clarification of existing legislation through government pronouncements, judicial action and through the examination process. TCF's policy is to report interest and penalties, if any, related to unrecognized tax benefits in income tax expense in the Consolidated Statements of Income. Other Significant Accounting Policies Securities Held to Maturity Securities held to maturity are carried at cost and adjusted for amortization of premiums or accretion of discounts using a level yield method; however, transfers of securities available for sale to securities held to maturity are made at fair value at the date of transfer. The unrealized holding gain or loss at the date of each transfer is retained in accumulated other comprehensive income (loss) and in the carrying value of the held to maturity investment security. Such amounts are then amortized over the remaining life of the transferred security as an adjustment of the yield on those securities. TCF periodically evaluates securities held to maturity for other than temporary impairment. Declines in value considered other than temporary, if any, would be recorded in non-interest income within gains (losses) on securities, net. Securities Available for Sale Securities available for sale are carried at fair value with the unrealized gains or losses, net of related deferred income taxes, reported within accumulated other comprehensive income (loss), a separate component of equity. The cost of securities sold is determined on a specific identification basis and gains or losses on sales of securities available for sale are recognized on trade dates. TCF evaluates securities available for sale for other than temporary impairment on a quarterly basis. Declines in the value of securities available for sale that are considered other than temporary are recorded in non-interest income within gains (losses) on securities, net. Discounts and premiums on securities available for sale are amortized using a level yield method over the expected life of the security, or to the call date for securities with call features. Loans and Leases Held for Sale Loans and leases designated as held for sale are generally carried at the lower of cost or fair value. Any amount by which cost exceeds fair value is initially recorded as a valuation allowance and subsequently reflected in the gain or loss on sale when sold. Certain other loans and leases held for sale are recorded at fair value under the elected fair value option. From time to time, management identifies and designates primarily consumer real estate and auto finance loans held in the loan portfolios for sale. These loans are transferred to loans and leases held for sale at the lower of cost or fair value at the time of transfer net of any associated allowance for loan and lease losses. Loans and Leases Loans and leases are reported at historical cost including net direct fees and costs associated with originating and acquiring loans and leases. The net direct fees and costs for sales-type leases are offset against revenues recorded at the commencement of sales-type leases. Discounts and premiums on acquired loans, net direct fees and costs, unearned discounts and finance charges and unearned lease income are amortized to interest income using methods that approximate a level yield over the estimated remaining lives of the loans and leases. Net direct fees and costs on all lines of credit are amortized on a straight line basis over the contractual life of the line of credit and adjusted for payoffs. Net deferred fees and costs on consumer real estate lines of credit are amortized to fees and service charges. Non-accrual Loans and Leases Loans and leases are generally placed on non-accrual status when the collection of interest or principal is 90 days or more past due unless, in the case of commercial loans, they are well secured and in the process of collection. Delinquent consumer real estate junior lien loans are placed on non-accrual status when there is evidence that the related third-party first lien mortgage may be 90 days or more past due, or foreclosure, charge-off or collection action has been initiated. TDR loans are placed on non-accrual status prior to the past due thresholds outlined above if repayment under the modified terms is not likely after performing a well-documented credit analysis. Loans on non-accrual status are generally reported as non-accrual loans until there is sustained repayment performance for six consecutive months, with the exception of loans not reaffirmed upon discharge under Chapter 7 bankruptcy, which remain on non-accrual status until a well-documented credit analysis indicates full repayment of the remaining pre-discharged contractual principal and interest is likely. Income on these loans is recognized on a cash basis when there is sustained repayment performance for six or 12 consecutive months based on the credit evaluation and the loan is not more than 60 days delinquent. Generally, when a loan or lease is placed on non-accrual status, uncollected interest accrued in prior years is charged-off against the allowance for loan and lease losses and interest accrued in the current year is reversed against interest income. For non-accrual leases that have been discounted with third-party financial institutions on a non-recourse basis, the related liability is also placed on non-accrual status. Interest payments received on loans and leases in non-accrual status are generally applied to principal unless the remaining principal balance has been determined to be fully collectible, in which case interest income is recognized on a cash basis. Premises and Equipment Premises and equipment, including leasehold improvements, are carried at cost and are depreciated or amortized on a straight-line basis over estimated useful lives of owned assets and for leasehold improvements over the estimated useful life of the related asset or the lease term, whichever is shorter. Maintenance and repairs are charged to expense as incurred. Rent expense for leased land with facilities is recognized in occupancy and equipment expense. Rent expense for leases with free rent periods or scheduled rent increases is recognized on a straight-line basis over the lease term. Other Real Estate Owned and Repossessed and Returned Assets 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 of the collateral less estimated selling costs at the time of transfer to real estate owned or 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. The fair value of repossessed and returned assets is based on available pricing guides, auction results or price opinions, less estimated selling costs. Any carrying amount in excess of the fair value less estimated selling costs is charged off to the allowance for loan and lease losses upon transfer. Subsequently, if the fair value of an asset, less the estimated costs to sell, declines to less than the carrying amount of the asset, the shortfall is recognized in the period in which it becomes known and is included in foreclosed real estate and repossessed assets, net expense. Operating expenses of properties and recoveries on sales of other real estate owned are also recorded in non-interest expense within foreclosed real estate and repossessed assets, net expense. Operating revenue from foreclosed property is included in other non-interest income. Other real estate owned at December 31, 2016 and 2015 , was $46.8 million and $50.0 million , respectively. Repossessed and returned assets at December 31, 2016 and 2015 , were $10.0 million and $8.0 million , respectively. Other real estate owned and repossessed and returned assets were written down $8.3 million and $12.8 million , which was included in foreclosed real estate and repossessed assets, net expense for the years ended December 31, 2016 and 2015 , respectively. Investments in Affordable Housing Limited Liability Entities TCF has investments in affordable housing limited liability entities that operate qualified affordable housing projects or that invest in other limited liability entities formed to operate affordable housing projects, which TCF generally accounts for under the proportional amortization method. However, depending on circumstances, the effective yield, equity or cost methods may be utilized. The amount of the investments, along with any unfunded equity contributions that are unconditional and legally binding, are recorded in other assets. A liability for the unfunded equity contributions is recorded in other liabilities. The tax credits and amortization of the investments are reflected in the Consolidated Statements of Income as a reduction of income tax expense. TCF's investments in affordable housing limited liability entities at December 31, 2016 and 2015 were $30.3 million and $35.2 million , respectively. At December 31, 2016 and 2015 , four and six , respectively, of these investments in affordable housing limited liability entities were considered variable interest entities ("VIE"). These limited liability entities are not consolidated with TCF. At December 31, 2016 and 2015 , the carrying amount of the VIE investments was $29.8 million and $34.7 million , respectively. The maximum exposure to loss on the VIE investments was $29.8 million and $34.7 million at December 31, 2016 and 2015 , respectively, however the limited liability entity provides various guarantees to TCF including guaranteed minimum returns. These guarantees are backed by an investment grade credit-rated company, which further reduces the risk of loss. In addition to the guarantees, the investments are supported by the performance of the underlying real estate properties which also mitigates the risk of loss. Tax credits and other tax benefits of $7.1 million , $3.9 million and $3.5 million in 2016 , 2015 and 2014 , respectively, are recorded in income tax expense. At December 31, 2016 , the expected payments for unfunded affordable housing commitments were $12.6 million . The commitments are expected to be fully funded by December 31, 2018. Interest-only Strips TCF sells fixed or variable-rate consumer real estate and auto finance loans with or without interest-only strips to third party financial institutions. For those transactions which achieve sale treatment, the underlying loans are removed from TCF's Consolidated Statements of Financial Condition. The Company may receive as part of the sale consideration an interest in the future cash flows of borrower loan payments, known as an interest-only strip. The interest-only strip is recorded at fair value in other assets with the unrealized gains or losses, net of deferred income taxes, reported within accumulated other comprehensive income (loss), a separate component of equity. The fair value of the interest-only strip represents the present value of future cash flows expected to be received by TCF. After initial recording of the interest-only strip, the accretable yield is measured as the difference between the initial investment, or fair value, and the cash flows expected to be collected. The accretable yield is amortized into interest income over the life of the interest-only strip using the effective yield method. The expected cash flows are evaluated quarterly to determine if they have changed from previous projections. Declines in the value of interest-only strips that are considered other than temporary are recorded in other non-interest expense. Intangible Assets All assets and liabilities acquired in purchase acquisitions, including other intangibles, are initially recorded at fair value. Goodwill is recorded when the purchase price of an acquisition is greater than the fair value of net assets, including identifiable intangible assets. Goodwill is not amortized, but assessed for impairment on at least an annual basis at the reporting unit level. Interim impairment analysis may be required if events occur or circumstances change that would more likely than not reduce a reporting unit's fair value below its carrying amount. Other intangible assets are amortized on a straight-line or effective yield basis over their estimated useful lives and are subject to impairment if events or circumstances indicate a possible inability to realize their carrying amounts. When testing for goodwill impairment, TCF initially performs a qualitative assessment. Based on the results of this qualitative assessment, if TCF concludes it is more likely than not that a reporting unit's fair value is less than its carrying amount, a quantitative analysis is performed. Quantitative valuation methodologies primarily include discounted cash flow analysis in determining fair value of reporting units. If the fair value is less than the carrying amount, additional analysis is required to measure the amount of impairment. Impairment losses, if any, are recorded as a charge to non-interest expense and an adjustment to the carrying value of goodwill. Other intangible assets are reviewed for impairment whenever events or changes in circumstances indicate their carrying amount may not be recoverable. Impairment is indicated if the sum of the undiscounted estimated future net cash flows is less than the carrying value of the intangible asset. Impairment losses, if any, permanently reduce the carrying value of the other intangible assets. Derivatives All derivative instruments are recognized within other assets or other liabilities at fair value within the Consolidated Statements of Financial Condition. The Company's derivative instruments may be subject to master netting arrangements and collateral arrangements and qualify for offset in the Consolidated Statements of Financial Condition. A master netting arrangement with a counterparty creates a right of offset for amounts due to and from that same counterparty that is enforceable in the event of a default or bankruptcy. The Company's policy is to recognize amounts subject to master netting arrangements and collateral arrangements on a net basis in 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 exposure to changes in the fair value of an asset or liability due to changes in market risk ("fair value hedge"), a hedge of the volatility of an investment in foreign operations driven by changes in foreign currency exchange rates ("net investment hedge"), or is not designated as a hedge. Fair Value Hedges During the first quarter of 2015, TCF Bank entered into an interest rate swap agreement 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 the three-month London InterBank Offered Rate 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 on the $150.0 million notional amount 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 as well as the offsetting changes in fair value of the hedged debt are reflected in other non-interest income. Net Investment Hedges Forward foreign exchange contracts, which generally settle within 34 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. 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. Derivatives Not Designated as Hedges Certain of TCF's forward foreign exchange contracts are not designated as hedges and are generally settled within 34 days. Changes in the fair value of these forward foreign exchange contracts are reflected in other non-interest expense. TCF executes interest rate swap agreements 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 other non-interest income. These contracts have original fixed maturity dates ranging from three to 10 years. TCF enters into interest rate lock commitments in conjunction with the sale of 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

Cash and Due from Banks

Cash and Due from Banks	12 Months Ended
	Dec. 31, 2016
Cash and Cash Equivalents [Abstract]
Cash and Due from Banks	Cash and Due from Banks At December 31, 2016 and 2015 , TCF Bank was required by Federal Reserve regulations to maintain reserves of $103.7 million and $101.6 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 finance loans. Cash payments received on loans serviced for third parties are generally held in separate accounts until remitted. TCF may also retain cash balances for collateral on certain borrowings, forward foreign exchange contracts, interest rate contracts and other contracts. TCF maintained restricted cash totaling $51.3 million and $58.3 million at December 31, 2016 and 2015 , respectively. TCF had cash held in interest-bearing accounts of $326.5 million and $609.5 million at December 31, 2016 and 2015 , respectively.

Investments

Investments	12 Months Ended
	Dec. 31, 2016
Investments, All Other Investments [Abstract]
Investments	Investments Investments were as follows: At December 31, (In thousands) 2016 2015 Federal Home Loan Bank stock, at cost $ 37,022 $ 32,909 Federal Reserve Bank stock, at cost 37,692 37,628 Total investments $ 74,714 $ 70,537 The investments in Federal Home Loan Bank ("FHLB") stock are required investments related to TCF's membership in and current borrowings from the FHLB of Des Moines. TCF's investments in the FHLB of Des Moines could be adversely impacted by the financial operations of the Federal Home Loan Banks and actions of their regulator, the Federal Housing Finance Agency. The amount of Federal Reserve Bank stock that TCF Bank is required to hold is based on TCF Bank's capital structure. TCF periodically evaluates investments for other than temporary impairment. There was no impairment of these investments in 2016 , 2015 or 2014 . The yield on these investments, which have no stated contractual maturity, was 2.59% and 4.41% at December 31, 2016 and 2015 , respectively.

Securities Available for Sale a

Securities Available for Sale and Securities Held to Maturity	12 Months Ended
	Dec. 31, 2016
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 were as follows: At December 31, 2016 2015 (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 $ 827,722 $ 423 $ 17,254 $ 810,891 $ 627,521 $ 655 $ 6,246 $ 621,930 Other 18 — — 18 34 — — 34 Obligations of states and political subdivisions 628,972 394 16,840 612,526 262,189 4,732 — 266,921 Total securities available for sale $ 1,456,712 $ 817 $ 34,094 $ 1,423,435 $ 889,744 $ 5,387 $ 6,246 $ 888,885 Securities held to maturity: Mortgage-backed securities: U.S. Government sponsored enterprises and federal agencies $ 178,514 $ 3,072 $ 440 $ 181,146 $ 197,410 $ 5,247 $ 214 $ 202,443 Other — — — — 1,110 — — 1,110 Other securities 2,800 — — 2,800 3,400 — — 3,400 Total securities held to maturity $ 181,314 $ 3,072 $ 440 $ 183,946 $ 201,920 $ 5,247 $ 214 $ 206,953 There were no sales of securities available for sale in 2016 . In 2015 , TCF sold $0.2 million of securities available for sale and received cash proceeds of $0.2 million . In 2014 , TCF recognized gross realized gains of $1.2 million on sales of securities available for sale. There were no impairment charges recognized on securities available for sale in 2016 , 2015 or 2014 . At December 31, 2016 and 2015 , mortgage-backed securities with a carrying value of $7.5 million and $17.1 million , respectively, were pledged as collateral to secure certain deposits and borrowings. 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. TCF recorded $0.7 million , $0.3 million and $0.1 million of impairment charges in 2016 , 2015 and 2014 , respectively, on securities held to maturity. Gross unrealized losses and fair value of securities available for sale and securities held to maturity aggregated by investment category and the length of time the securities were in a continuous loss position were as follows: At December 31, 2016 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 $ 732,724 $ 17,254 $ — $ — $ 732,724 $ 17,254 Obligations of states and political subdivisions 501,620 16,840 — — 501,620 16,840 Total securities available for sale $ 1,234,344 $ 34,094 $ — $ — $ 1,234,344 $ 34,094 Securities held to maturity: Mortgage-backed securities: U.S. Government sponsored enterprises and federal agencies $ 27,090 $ 440 $ — $ — $ 27,090 $ 440 Total securities held to maturity $ 27,090 $ 440 $ — $ — $ 27,090 $ 440 At December 31, 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 $ 552,127 $ 6,246 $ — $ — $ 552,127 $ 6,246 Total securities available for sale $ 552,127 $ 6,246 $ — $ — $ 552,127 $ 6,246 Securities held to maturity: Mortgage-backed securities: U.S. Government sponsored enterprises and federal agencies $ 12,333 $ 100 $ 1,732 $ 114 $ 14,065 $ 214 Total securities held to maturity $ 12,333 $ 100 $ 1,732 $ 114 $ 14,065 $ 214 The amortized cost and fair value of securities available for sale and securities held to maturity by final contractual maturity were as follows. 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. At December 31, 2016 2015 (In thousands) Amortized Cost Fair Value Amortized Cost Fair Value Securities available for sale: Due in one year or less $ 1 $ 1 $ 1 $ 1 Due in 1-5 years 18 18 38 38 Due in 5-10 years 331,430 329,005 268,638 272,511 Due after 10 years 1,125,263 1,094,411 621,067 616,335 Total securities available for sale $ 1,456,712 $ 1,423,435 $ 889,744 $ 888,885 Securities held to maturity: Due in one year or less $ — $ — $ 100 $ 100 Due in 1-5 years 1,400 1,400 1,900 1,900 Due in 5-10 years 1,400 1,400 1,400 1,400 Due after 10 years 178,514 181,146 198,520 203,553 Total securities held to maturity $ 181,314 $ 183,946 $ 201,920 $ 206,953 Interest income attributable to securities available for sale was as follows: Year Ended December 31, (In thousands) 2016 2015 2014 Taxable interest income $ 16,238 $ 13,930 $ 11,994 Tax-exempt interest income 10,335 1,718 — Total interest income $ 26,573 $ 15,648 $ 11,994

Loans and Leases

Loans and Leases	12 Months Ended
	Dec. 31, 2016
Receivables [Abstract]
Loans and Leases	Loans and Leases Loans and leases were as follows: At December 31, (In thousands) 2016 2015 Consumer real estate: First mortgage lien $ 2,292,596 $ 2,624,956 Junior lien 2,791,756 2,839,316 Total consumer real estate 5,084,352 5,464,272 Commercial: Commercial real estate: Permanent 2,356,287 2,267,218 Construction and development 277,904 326,211 Total commercial real estate 2,634,191 2,593,429 Commercial business 652,287 552,403 Total commercial 3,286,478 3,145,832 Leasing and equipment finance 4,336,310 4,012,248 Inventory finance 2,470,175 2,146,754 Auto finance 2,647,741 2,647,596 Other 18,771 19,297 Total loans and leases (1) $ 17,843,827 $ 17,435,999 (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 $54.1 million and $73.7 million at December 31, 2016 and 2015 , respectively. The following table summarizes the recorded investment in consumer real estate and auto finance loans sold, including accrued interest, the net sales proceeds, the securitization receivable recorded, the interest-only strips received and the net gains. TCF executes securitizations, which qualify for sale accounting, by transferring the recorded investment to trusts. These trusts are considered variable interest entities due to their limited capitalization and special purpose nature. TCF has concluded it is not the primary beneficiary of the trusts and therefore, they are not consolidated. TCF retains servicing on these sold loans. No servicing assets or liabilities related to consumer real estate or auto finance 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. Year Ended December 31, 2016 (In thousands) Consumer Real Estate Loans Auto Finance Loans Auto Finance Securitizations Total Auto Finance Loans Sales proceeds, net (1) $ 1,665,507 $ 688,227 $ 1,447,113 $ 2,135,340 Securitization receivable — — 18,620 18,620 Interest-only strips, initial value 16,925 5,695 — 5,695 Recorded investment in loans sold, including accrued interest (1,630,113 ) (669,775 ) (1,453,283 ) (2,123,058 ) Net gains (2) $ 52,319 $ 24,147 $ 12,450 $ 36,597 Year Ended December 31, 2015 (In thousands) Consumer Real Estate Loans Auto Finance Loans Auto Finance Securitizations Total Auto Finance Loans Sales proceeds, net (1) $ 1,301,438 $ 225,018 $ 1,165,213 $ 1,390,231 Interest-only strips, initial value 7,495 — — — Recorded investment in loans sold, including accrued interest (1,269,108 ) (218,339 ) (1,139,701 ) (1,358,040 ) Net gains (2) $ 39,825 $ 6,679 $ 25,512 $ 32,191 Year Ended December 31, 2014 (In thousands) Consumer Real Estate Loans Auto Finance Loans Auto Finance Securitizations Total Auto Finance Loans Sales proceeds, net (1) $ 1,450,244 $ 1,098,635 $ 265,976 $ 1,364,611 Interest-only strips, initial value 10,816 17,927 — 17,927 Recorded investment in loans sold, including accrued interest (1,426,969 ) (1,079,230 ) (258,561 ) (1,337,791 ) Net gains (2) $ 34,091 $ 37,332 $ 7,415 $ 44,747 (1) Includes transaction fees and other sales related assets and liabilities. (2) Excludes subsequent adjustments and valuation adjustments while held for sale. Total interest-only strips and the contractual liabilities related to loan sales were as follows: At December 31, (In thousands) 2016 2015 Interest-only strips attributable to: Consumer real estate loan sales $ 27,260 $ 19,182 Auto finance loan sales 12,892 25,150 Contractual liabilities attributable to: Consumer real estate loan sales $ 701 $ 702 Auto finance loan sales 168 185 TCF recorded $0.8 million of impairment charges on the consumer real estate loan interest-only strips in 2016 , compared with none in 2015 and 2014 . TCF recorded impairment charges on the auto finance loan interest-only strips of $2.4 million , $0.9 million and $3.5 million in 2016 , 2015 and 2014 , respectively, primarily as a result of higher prepayments than originally assumed. TCF's agreements to sell auto and consumer real estate loans typically contain certain representations, warranties and covenants regarding the loans sold or securitized. These representations, warranties and covenants 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 or investor, the loan's compliance with the criteria set forth in the agreement, the manner in which the loans will be serviced, payment delinquency and compliance with applicable laws and regulations. These agreements generally require the repurchase of loans or indemnification in the event TCF breaches these representations, warranties or covenants and such breaches are not cured. In addition, some agreements contain a requirement to repurchase loans as a result of early payoffs by the borrower, early payment default of the borrower, or the failure to obtain valid title. During 2016 , 2015 and 2014 , losses related to repurchases pursuant to such representations, warranties and covenants were immaterial. The majority of such repurchases were of auto finance loans where TCF typically has contractual agreements with the automobile dealerships that originated the loans requiring the dealers to repurchase such contracts from TCF. The leasing and equipment finance portfolio consisted of $2.3 billion of leases and $2.0 billion of loans at December 31, 2016 , compared with $2.1 billion of leases and $1.9 billion of loans at December 31, 2015 . Future minimum lease payments receivable for direct financing, sales-type leases and operating leases as of December 31, 2016 were as follows: (In thousands) 2017 $ 828,687 2018 631,715 2019 464,743 2020 285,663 2021 143,654 Thereafter 56,584 Total $ 2,411,046

Allowance for Loan and Lease Lo

Allowance for Loan and Lease Losses and Credit Quality Information	12 Months Ended
	Dec. 31, 2016
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 rollforwards of the allowance for loan and lease losses were as follows: At or For the Year Ended December 31, 2016 (In thousands) Consumer Commercial Leasing and Inventory Auto Other Total Balance, beginning of period $ 67,992 $ 30,185 $ 19,018 $ 11,128 $ 26,486 $ 1,245 $ 156,054 Charge-offs (18,624 ) (753 ) (7,738 ) (2,623 ) (26,994 ) (7,353 ) (64,085 ) Recoveries 7,065 373 2,386 816 3,853 4,357 18,850 Net (charge-offs) recoveries (11,559 ) (380 ) (5,352 ) (1,807 ) (23,141 ) (2,996 ) (45,235 ) Provision for credit losses 9,304 2,890 7,706 4,540 39,149 2,285 65,874 Other (6,289 ) — (22 ) 71 (10,184 ) — (16,424 ) Balance, end of period $ 59,448 $ 32,695 $ 21,350 $ 13,932 $ 32,310 $ 534 $ 160,269 At or For the Year Ended December 31, 2015 (In thousands) Consumer Commercial Leasing and Inventory Auto Other Total Balance, beginning of period $ 85,361 $ 31,367 $ 18,446 $ 10,020 $ 18,230 $ 745 $ 164,169 Charge-offs (33,687 ) (5,249 ) (7,631 ) (2,501 ) (18,386 ) (7,093 ) (74,547 ) Recoveries 7,428 3,769 2,792 1,019 2,971 5,034 23,013 Net (charge-offs) recoveries (26,259 ) (1,480 ) (4,839 ) (1,482 ) (15,415 ) (2,059 ) (51,534 ) Provision for credit losses 12,697 298 5,411 3,036 28,943 2,559 52,944 Other (3,807 ) — — (446 ) (5,272 ) — (9,525 ) Balance, end of period $ 67,992 $ 30,185 $ 19,018 $ 11,128 $ 26,486 $ 1,245 $ 156,054 At or For the Year Ended December 31, 2014 (In thousands) Consumer Commercial Leasing and Inventory Auto Other Total Balance, beginning of period $ 176,030 $ 37,467 $ 18,733 $ 8,592 $ 10,623 $ 785 $ 252,230 Charge-offs (63,126 ) (8,657 ) (7,316 ) (1,653 ) (11,856 ) (8,359 ) (100,967 ) Recoveries 6,867 2,887 3,705 826 1,491 5,860 21,636 Net (charge-offs) recoveries (56,259 ) (5,770 ) (3,611 ) (827 ) (10,365 ) (2,499 ) (79,331 ) Provision for credit losses 63,973 (259 ) 3,324 2,498 23,742 2,459 95,737 Other (1) (98,383 ) (71 ) — (243 ) (5,770 ) — (104,467 ) Balance, end of period $ 85,361 $ 31,367 $ 18,446 $ 10,020 $ 18,230 $ 745 $ 164,169 (1) Included in Other for consumer real estate is the transfer of $95.3 million , comprised of $77.0 million of previously established allowance for loan and lease losses and an additional $18.3 million of write-downs arising from the transfer to loans held for sale in conjunction with the TDR loan sale. The allowance for loan and lease losses and loans and leases outstanding by type of allowance methodology was as follows: At December 31, 2016 (In thousands) Consumer Commercial Leasing and Inventory Auto Other Total Allowance for loan and lease losses: Collectively evaluated for impairment $ 36,103 $ 31,430 $ 19,093 $ 13,304 $ 31,106 $ 533 $ 131,569 Individually evaluated for impairment 23,345 1,265 2,257 628 1,204 1 28,700 Total $ 59,448 $ 32,695 $ 21,350 $ 13,932 $ 32,310 $ 534 $ 160,269 Loans and leases outstanding: Collectively evaluated for impairment $ 4,884,653 $ 3,242,389 $ 4,320,129 $ 2,465,041 $ 2,638,380 $ 18,765 $ 17,569,357 Individually evaluated for impairment 199,699 44,089 16,165 5,134 9,360 6 274,453 Loans acquired with deteriorated credit quality — — 16 — 1 — 17 Total $ 5,084,352 $ 3,286,478 $ 4,336,310 $ 2,470,175 $ 2,647,741 $ 18,771 $ 17,843,827 At December 31, 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 $ 38,819 $ 30,170 $ 16,994 $ 10,929 $ 23,471 $ 1,243 $ 121,626 Individually evaluated for impairment 29,173 15 2,024 199 3,015 2 34,428 Total $ 67,992 $ 30,185 $ 19,018 $ 11,128 $ 26,486 $ 1,245 $ 156,054 Loans and leases outstanding: Collectively evaluated for impairment $ 5,248,829 $ 3,092,398 $ 3,997,544 $ 2,145,605 $ 2,637,269 $ 19,286 $ 17,140,931 Individually evaluated for impairment 215,443 53,434 14,669 1,149 10,308 11 295,014 Loans acquired with deteriorated credit quality — — 35 — 19 — 54 Total $ 5,464,272 $ 3,145,832 $ 4,012,248 $ 2,146,754 $ 2,647,596 $ 19,297 $ 17,435,999 Accruing and Non-accrual Loans and Leases TCF's key credit quality indicator is the receivable's payment performance status, defined as accruing or non-accruing. 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. TCF's accruing and non-accrual loans and leases were as follows: At December 31, 2016 (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 $ 2,177,746 $ 6,581 $ 2,144 $ 2,186,471 $ 106,125 $ 2,292,596 Junior lien 2,744,006 1,404 — 2,745,410 46,346 2,791,756 Total consumer real estate 4,921,752 7,985 2,144 4,931,881 152,471 5,084,352 Commercial: Commercial real estate 2,628,627 — — 2,628,627 5,564 2,634,191 Commercial business 651,932 — — 651,932 355 652,287 Total commercial 3,280,559 — — 3,280,559 5,919 3,286,478 Leasing and equipment finance 4,320,795 3,478 1,045 4,325,318 10,880 4,336,198 Inventory finance 2,464,986 16 39 2,465,041 5,134 2,470,175 Auto finance 2,634,600 3,785 2,317 2,640,702 7,038 2,647,740 Other 18,748 14 6 18,768 3 18,771 Subtotal 17,641,440 15,278 5,551 17,662,269 181,445 17,843,714 Portfolios acquired with deteriorated credit quality 113 — — 113 — 113 Total $ 17,641,553 $ 15,278 $ 5,551 $ 17,662,382 $ 181,445 $ 17,843,827 At December 31, 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 $ 2,489,235 $ 8,649 $ 2,916 $ 2,500,800 $ 124,156 $ 2,624,956 Junior lien 2,793,684 1,481 38 2,795,203 44,113 2,839,316 Total consumer real estate 5,282,919 10,130 2,954 5,296,003 168,269 5,464,272 Commercial: Commercial real estate 2,586,692 — — 2,586,692 6,737 2,593,429 Commercial business 548,814 1 — 548,815 3,588 552,403 Total commercial 3,135,506 1 — 3,135,507 10,325 3,145,832 Leasing and equipment finance 3,998,469 1,728 564 4,000,761 11,262 4,012,023 Inventory finance 2,145,538 87 31 2,145,656 1,098 2,146,754 Auto finance 2,634,496 2,343 1,230 2,638,069 9,509 2,647,578 Other 19,274 13 7 19,294 3 19,297 Subtotal 17,216,202 14,302 4,786 17,235,290 200,466 17,435,756 Portfolios acquired with deteriorated credit quality 242 1 — 243 — 243 Total $ 17,216,444 $ 14,303 $ 4,786 $ 17,235,533 $ 200,466 $ 17,435,999 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 were as follows: Year Ended December 31, (In thousands) 2016 2015 2014 Contractual interest due on non-accrual loans and leases $ 20,604 $ 21,459 $ 26,584 Interest income recognized on non-accrual loans and leases 4,152 4,305 9,359 Unrecognized interest income $ 16,452 $ 17,154 $ 17,225 Consumer real estate loans to customers currently involved in ongoing Chapter 7 or Chapter 13 bankruptcy proceedings which have not yet been discharged, dismissed or completed were as follows: At December 31, (In thousands) 2016 2015 Consumer real estate loans to customers in bankruptcy: 0-59 days delinquent and accruing $ 13,675 $ 26,020 Non-accrual 21,372 20,264 Total consumer real estate loans to customers in bankruptcy $ 35,047 $ 46,284 For the years ended December 31, 2016 and 2015 , interest income would have been reduced by approximately $0.1 million and $0.2 million , respectively, had the accrual of interest income on the above consumer loans been discontinued upon notification of bankruptcy. 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 TDR loan. All loans classified as TDR loans are considered to be impaired. TDR loans consist primarily of consumer real estate and commercial loans. Total TDR loans at December 31, 2016 and 2015 were $207.4 million and $230.6 million , respectively, of which $126.0 million and $135.3 million , respectively, were accruing. TCF held consumer real estate TDR loans of $170.6 million and $185.8 million at December 31, 2016 and 2015 , respectively, of which $98.6 million and $106.8 million , respectively, were accruing. TCF also held $22.5 million and $31.7 million of commercial TDR loans at December 31, 2016 and 2015 , respectively, of which $20.3 million and $24.7 million , respectively, were accruing. TDR loans for the remaining classes of finance receivables were not material at December 31, 2016 or 2015 . Unfunded commitments to consumer real estate and commercial loans classified as TDRs were $0.4 million at both December 31, 2016 and 2015 . At December 31, 2016 and 2015 , 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 years after modification if the loans were modified to an interest rate equal to or greater than the yields of new loan originations with comparable risk at the time of restructuring and if the loan is performing based on the restructured terms; however, these loans are still considered impaired and follow TCF's impaired loan reserve policies. In 2016 and 2015 , $0.1 million and $14.0 million , respectively, of commercial loans were removed from TDR status as they were restructured at market terms and were performing. Unrecognized interest represents the difference between interest income recognized on accruing TDR loans and the contractual interest that would have been recorded under the original contractual terms. In 2016 , unrecognized interest income for consumer real estate first mortgage lien accruing TDR loans and consumer real estate junior lien accruing TDR loans was $2.0 million and $0.7 million , respectively. The average yield for the same period on consumer real estate accruing TDR loans was 4.2% , which compares to the original contractual average rate of 6.7% . In 2015 , unrecognized interest income for consumer real estate first mortgage lien accruing TDR loans and consumer real estate junior lien accruing TDR loans was $2.2 million and $0.8 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% . In 2014 , unrecognized interest income for consumer real estate first mortgage lien accruing TDR loans and consumer real estate junior lien accruing TDR loans was $16.7 million and $1.2 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 unrecognized interest income for the remaining classes of finance receivables was not material for 2016 , 2015 and 2014 . TCF considers a loan to have defaulted when under the modified terms it becomes 90 or more days delinquent, has been transferred to non-accrual status, has been charged down or has been transferred to other real estate owned or repossessed and returned assets. TDR loans that defaulted during 2016 , 2015 and 2014 , which were modified during the respective reporting period or within one year of the beginning of the respective reporting period were as follows: Year Ended December 31, (In thousands) 2016 2015 2014 Loan balance: (1) Consumer real estate: First mortgage lien $ 8,193 $ 1,674 $ 1,969 Junior lien 1,630 821 1,364 Total consumer real estate 9,823 2,495 3,333 Commercial: Commercial real estate — — 3,895 Commercial business — — 127 Total commercial — — 4,022 Leasing and equipment finance — 45 — Auto finance 1,693 1,039 392 Defaulted TDR loans modified during the applicable period $ 11,516 $ 3,579 $ 7,747 (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 discounted at the loan's initial effective interest rate, unless the loans are collateral dependent, in which case loan impairment is based upon the fair value of the collateral less selling expenses. The allowance on accruing consumer real estate TDR loans was $19.3 million , or 19.6% of the outstanding balance, at December 31, 2016 , and $22.4 million , or 21.0% of the outstanding balance, at December 31, 2015 . In determining impairment for consumer real estate accruing TDR loans, TCF utilized assumed remaining re-default rates ranging from 10% to 33% in both 2016 and 2015 , depending on modification type and actual experience. At December 31, 2016 , 1.5% of accruing consumer real estate TDR loans were more than 60 days delinquent, compared with 2.0% at December 31, 2015 . 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 December 31, 2016 , $47.4 million , or 65.9% , were loans discharged in Chapter 7 bankruptcy that were not reaffirmed by the borrower, of which 82.2% were current. Of the non-accrual TDR balance at December 31, 2015 , $51.5 million , or 65.1% , were loans discharged in Chapter 7 bankruptcy that were not reaffirmed, of which 77.2% 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 discounted at the loan's initial effective interest rate, unless the loans are collateral dependent, in which case impairment is based upon the fair value of collateral less estimated selling costs; however if payment or satisfaction of the loan is dependent on the operation, rather than the sale of the collateral, the impairment does not include selling costs. The allowance on accruing commercial TDR loans was $1.1 million , or 5.6% of the outstanding balance, at December 31, 2016 and less than $0.1 million , or 0.1% of the outstanding balance, at December 31, 2015 . No accruing commercial TDR loans were 60 days or more delinquent at December 31, 2016 and 2015 . 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. Information on impaired loans was as follows: At December 31, 2016 2015 (In thousands) Unpaid Loan Related Unpaid Loan Related Impaired loans with an allowance recorded: Consumer real estate: First mortgage lien $ 122,704 $ 104,601 $ 16,835 $ 145,749 $ 123,728 $ 20,880 Junior lien 62,481 51,410 5,829 70,122 58,366 6,837 Total consumer real estate 185,185 156,011 22,664 215,871 182,094 27,717 Commercial: Commercial real estate 10,083 10,075 1,262 298 298 12 Commercial business 14 14 3 16 16 3 Total commercial 10,097 10,089 1,265 314 314 15 Leasing and equipment finance 9,900 9,900 1,044 7,259 7,259 822 Inventory finance 4,357 4,365 628 867 873 199 Auto finance 5,801 5,419 1,126 8,275 8,062 2,942 Other 6 6 1 21 11 2 Total impaired loans with an allowance recorded 215,346 185,790 26,728 232,607 198,613 31,697 Impaired loans without an allowance recorded: Consumer real estate: First mortgage lien 18,539 12,674 — 7,100 3,228 — Junior lien 26,915 1,882 — 26,031 520 — Total consumer real estate 45,454 14,556 — 33,131 3,748 — Commercial: Commercial real estate 21,601 15,780 — 37,598 31,157 — Commercial business 354 354 — 3,738 3,585 — Total commercial 21,955 16,134 — 41,336 34,742 — Inventory finance 767 769 — 274 276 — Auto finance 3,919 2,408 — 2,003 1,177 — Other 85 — — 2 — — Total impaired loans without an allowance recorded 72,180 33,867 — 76,746 39,943 — Total impaired loans $ 287,526 $ 219,657 $ 26,728 $ 309,353 $ 238,556 $ 31,697 The average loan balance of impaired loans and interest income recognized on impaired loans were as follows: Year Ended December 31, 2016 2015 2014 (In thousands) 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 $ 114,164 $ 3,597 $ 112,698 $ 5,438 $ 311,458 $ 14,715 Junior lien 54,888 2,606 56,885 3,353 63,977 3,492 Total consumer real estate 169,052 6,203 169,583 8,791 375,435 18,207 Commercial: Commercial real estate 5,186 353 27,355 852 63,099 2,349 Commercial business 15 — 17 — 2,199 — Total commercial 5,201 353 27,372 852 65,298 2,349 Leasing and equipment finance 8,579 40 7,758 18 8,247 58 Inventory finance 2,619 56 1,315 76 4,249 97 Auto finance 6,741 112 5,495 22 1,617 — Other 9 — 50 2 92 7 Total impaired loans with an allowance recorded 192,201 6,764 211,573 9,761 454,938 20,718 Impaired loans without an allowance recorded: Consumer real estate: First mortgage lien 7,951 449 19,188 1,045 39,086 2,321 Junior lien 1,201 672 3,959 1,817 5,852 1,285 Total consumer real estate 9,152 1,121 23,147 2,862 44,938 3,606 Commercial: Commercial real estate 23,468 743 40,828 1,957 65,167 2,973 Commercial business 1,970 — 2,033 5 2,946 94 Total commercial 25,438 743 42,861 1,962 68,113 3,067 Inventory finance 523 95 564 114 426 126 Auto finance 1,792 — 962 — 455 — Total impaired loans without an allowance recorded 36,905 1,959 67,534 4,938 113,932 6,799 Total impaired loans $ 229,106 $ 8,723 $ 279,107 $ 14,699 $ 568,870 $ 27,517

Premises and Equipment

Premises and Equipment	12 Months Ended
	Dec. 31, 2016
Property, Plant and Equipment [Abstract]
Premises and Equipment	Premises and Equipment Premises and equipment were as follows: At December 31, (In thousands) 2016 2015 Land $ 144,221 $ 152,034 Office buildings 271,597 281,462 Leasehold improvements 50,796 56,243 Furniture and equipment 341,621 315,869 Subtotal 808,235 805,608 Less: Accumulated depreciation and amortization 389,863 359,674 Total $ 418,372 $ 445,934 Depreciation and amortization expense related to premises and equipment was $44.9 million , $40.8 million and $40.9 million in 2016 , 2015 and 2014 , respectively. TCF leases certain premises and equipment under operating leases. Net lease expense was $35.5 million , $35.1 million and $34.0 million in 2016 , 2015 and 2014 , respectively. At December 31, 2016 , the total future minimum rental payments for operating leases of premises and equipment were as follows: (In thousands) 2017 $ 28,264 2018 28,595 2019 26,481 2020 22,211 2021 15,642 Thereafter 70,738 Total $ 191,931

Goodwill and Other Intangibles

Goodwill and Other Intangibles	12 Months Ended
	Dec. 31, 2016
Goodwill and Intangible Assets Disclosure [Abstract]
Goodwill and Other Intangible Assets	Goodwill and Other Intangible Assets Goodwill and other intangible assets were as follows: At December 31, 2016 2015 (In thousands) Gross Amount Accumulated Amortization Net Amount Gross Amount Accumulated Amortization Net Amount Amortizable intangible assets: Deposit base intangibles $ 3,049 $ 2,069 $ 980 $ 3,049 $ 1,817 $ 1,232 Customer base intangibles 2,730 2,002 728 2,730 1,709 1,021 Non-compete agreement 4,590 4,590 — 4,590 3,757 833 Tradename 300 300 — 300 300 — Total $ 10,669 $ 8,961 $ 1,708 $ 10,669 $ 7,583 $ 3,086 Unamortizable intangible assets: Goodwill related to consumer banking segment $ 214,286 $ 214,286 $ 214,286 $ 214,286 Goodwill related to wholesale banking segment 11,354 11,354 11,354 11,354 Total $ 225,640 $ 225,640 $ 225,640 $ 225,640 Amortization expense for intangible assets of $1.4 million , $1.6 million and $1.7 million was recognized in 2016 , 2015 and 2014 , respectively. Amortization expense for intangible assets is estimated to be $0.5 million for 2017, $0.4 million for 2018, $0.3 million for 2019, $0.3 million for 2020 and $0.2 million for 2021. There was no impairment of goodwill or the intangible assets in 2016 , 2015 and 2014 .

Deposits

Deposits	12 Months Ended
	Dec. 31, 2016
Deposits [Abstract]
Deposits	Deposits Deposits were as follows: At December 31, 2016 2015 (Dollars in thousands) Weighted-average Rate Amount % of Total Weighted-average Rate Amount % of Checking: Non-interest bearing — % $ 3,454,962 20.0 % — % $ 3,187,581 19.1 % Interest bearing 0.01 2,554,189 14.9 0.02 2,502,978 14.9 Total checking 0.01 6,009,151 34.9 0.01 5,690,559 34.0 Savings 0.03 4,719,481 27.4 0.06 4,717,457 28.2 Money market 0.61 2,421,467 14.0 0.63 2,408,180 14.5 Certificates of deposit 1.06 4,092,423 23.7 0.91 3,903,793 23.3 Total deposits 0.36 $ 17,242,522 100.0 % 0.30 $ 16,719,989 100.0 % Annual maturities for certificates of deposit at December 31, 2016 were as follows: (In thousands) 2017 $ 3,392,044 2018 643,552 2019 18,859 2020 13,867 2021 10,196 Thereafter 13,905 Total $ 4,092,423 The aggregate amount of certificates of deposit with balances equal to or greater than the Federal Deposit Insurance Corporation insurance limit of $250,000 was $561.0 million and $484.2 million at December 31, 2016 and 2015 , respectively.

Short-term Borrowings

Short-term Borrowings	12 Months Ended
	Dec. 31, 2016
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) was as follows: At December 31, 2016 2015 2014 (Dollars in thousands) Amount Rate Amount Rate Amount Rate Period end balance: Securities sold under repurchase agreements $ 2,159 0.10 % $ 5,381 0.03 % $ 4,425 0.10 % Line of Credit - TCF Commercial Finance Canada, Inc. 2,232 1.75 — — — — Total $ 4,391 0.94 $ 5,381 0.03 $ 4,425 0.10 Average daily balances for the period ended: Federal Home Loan Bank advances $ — — % $ — — % $ 74,385 0.26 % Federal funds purchased 156 0.71 225 0.45 375 0.40 Securities sold under repurchase agreements 5,235 0.41 16,431 0.06 5,956 0.18 Line of Credit - TCF Commercial Finance Canada, Inc. 1,660 1.75 2,166 1.96 2,957 1.88 Total $ 7,051 0.73 $ 18,822 0.28 $ 83,673 0.31 Maximum month-end balances for the period ended: Federal Home Loan Bank advances $ — N.A. $ — N.A. $ 250,000 N.A. Securities sold under repurchase agreements 3,391 N.A. 62,995 N.A. 4,425 N.A. Line of Credit - TCF Commercial Finance Canada, Inc. 5,907 N.A. 5,519 N.A. 11,751 N.A. N.A. Not Applicable. At December 31, 2016 , 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 period end fair value of $6.4 million .

Long-term Borrowings

Long-term Borrowings	12 Months Ended
	Dec. 31, 2016
Debt Disclosure [Abstract]
Long-term Borrowings	Long-term Borrowings Long-term borrowings were as follows: At December 31, 2016 2015 (Dollars in thousands) Stated Maturity Amount Stated Rate Amount Stated Rate Federal Home Loan Bank advances 2016 $ — — % $ 447,000 0.54 % - 1.17 % 2017 — — 125,000 0.49 - 0.51 2018 375,000 0.72 % - 0.81 — — 2019 300,000 0.78 - 0.81 — — Subtotal 675,000 572,000 Subordinated bank notes 2016 — — 74,992 5.50 2022 108,654 6.25 108,454 6.25 2025 148,052 4.60 147,861 4.60 Hedge-related basis adjustment (1) (1,349 ) (209 ) Subtotal 255,357 331,098 Discounted lease rentals 2016 — — 48,120 2.39 - 7.95 2017 57,081 2.45 - 7.88 41,969 2.45 - 7.88 2018 42,132 2.55 - 7.95 24,496 2.55 - 7.95 2019 24,671 2.53 - 6.00 9,329 2.53 - 6.00 2020 11,753 2.64 - 6.90 2,035 2.95 - 5.15 2021 4,423 2.88 - 4.57 83 4.57 Subtotal 140,060 126,032 Other long-term borrowings 2016 — — 2,685 1.36 2017 2,764 1.36 2,742 1.36 Subtotal 2,764 5,427 Total long-term borrowings $ 1,073,181 $ 1,034,557 (1) Related to subordinated bank notes with a stated maturity of 2025 at December 31, 2016 . At December 31, 2016 , TCF Bank had pledged loans secured by consumer and commercial real estate and FHLB stock with an aggregate carrying value of $4.5 billion as collateral for FHLB advances. At December 31, 2016 , $675.0 million of FHLB advances outstanding were prepayable monthly at TCF's option.

Income Taxes

Income Taxes	12 Months Ended
	Dec. 31, 2016
Income Tax Disclosure [Abstract]
Income Taxes	Income Taxes Applicable income taxes in the Consolidated Statements of Income were as follows: (In thousands) Current Deferred Total Year ended December 31, 2016: Federal $ 66,810 $ 28,629 $ 95,439 State 11,402 4,425 15,827 Foreign 5,350 (88 ) 5,262 Total $ 83,562 $ 32,966 $ 116,528 Year ended December 31, 2015: Federal $ 73,579 $ 16,141 $ 89,720 State 9,255 4,637 13,892 Foreign 5,252 8 5,260 Total $ 88,086 $ 20,786 $ 108,872 Year ended December 31, 2014: Federal $ 55,062 $ 26,308 $ 81,370 State 2,087 11,147 13,234 Foreign 5,185 (23 ) 5,162 Total $ 62,334 $ 37,432 $ 99,766 Reconciliations to TCF's effective income tax rate from the statutory federal income tax rate of 35.00% were as follows: Year Ended December 31, 2016 2015 2014 Federal income tax rate 35.00 % 35.00 % 35.00 % Increase (decrease) resulting from: State income tax, net of federal income tax 3.04 2.87 3.06 Tax-exempt income (2.07 ) (0.93 ) (0.76 ) Non-controlling interest tax effect (0.99 ) (0.97 ) (0.92 ) Foreign tax effects (0.50 ) (0.53 ) (0.58 ) Other, net (0.03 ) (0.84 ) (0.34 ) Effective income tax rate 34.45 % 34.60 % 35.46 % TCF considers its undistributed foreign earnings to be reinvested indefinitely. This position is based on management's determination that cash held in TCF's foreign jurisdictions is not needed to fund its U.S. operations and that it either has reinvested or has intentions to reinvest these earnings. While management currently intends to indefinitely reinvest all of TCF's foreign earnings, should circumstances or tax laws change, TCF may need to record additional income tax expense in the period in which such determination or tax law change occurs. As of December 31, 2016 and 2015 , TCF has not provided U.S. deferred taxes on $56.3 million and $42.9 million , respectively, of its undistributed foreign earnings. If these undistributed earnings were repatriated to the U.S. or otherwise became subject to U.S. taxation, the potential deferred tax liability would be approximately $3.0 million and $2.6 million as of December 31, 2016 and 2015 , respectively, assuming full utilization of related foreign tax credits. Reconciliations of the changes in unrecognized tax benefits were as follows: At or For the Year Ended December 31, (In thousands) 2016 2015 2014 Balance, beginning of period $ 4,249 $ 4,649 $ 4,704 Increases for tax positions related to the current year 546 323 468 Increases for tax positions related to prior years 627 — 8 Decreases for tax positions related to prior years (84 ) (157 ) (350 ) Settlements with taxing authorities (525 ) (425 ) — Decreases related to lapses of applicable statutes of limitation (123 ) (141 ) (181 ) Balance, end of period $ 4,690 $ 4,249 $ 4,649 The total amount of unrecognized tax benefits that, if recognized, would affect the effective tax rate was $1.6 million and $1.3 million at December 31, 2016 and 2015 , respectively. TCF recognizes increases and decreases for interest and penalties related to unrecognized tax benefits, where applicable, in income tax expense. TCF recognized approximately $0.9 million of tax expense, $0.2 million of tax benefit and $0.1 million of tax expense in 2016 , 2015 and 2014 , respectively, related to interest and penalties. Interest and penalties of approximately $1.2 million and $0.3 million were accrued at December 31, 2016 and 2015 , respectively. TCF's federal income tax returns are open and subject to examination for 2013 and later tax return years. TCF's various state income tax returns are generally open for the 2012 and later tax return years based on individual state statutes of limitation. TCF's various foreign income tax returns are open and subject to examination for 2012 and later tax return years. Changes in the amount of unrecognized tax benefits within the next 12 months from normal expirations of statutes of limitation are not expected to be material. TCF's deferred tax assets and deferred tax liabilities were as follows: At December 31, (In thousands) 2016 2015 Deferred tax assets: Allowance for loan and lease losses $ 75,976 $ 74,858 Stock compensation and deferred compensation plans 41,105 37,913 Securities available for sale 17,606 5,945 Net operating losses 11,924 10,735 Accrued expense 3,730 5,228 Non-accrual interest 2,140 4,250 Other 3,408 3,437 Deferred tax assets 155,889 142,366 Valuation allowance (10,377 ) (7,515 ) Total deferred tax assets, net of valuation allowance 145,512 134,851 Deferred tax liabilities: Lease financing 348,933 320,374 Premises and equipment 32,430 28,657 Loan fees and discounts 17,017 19,220 Prepaid expenses 11,245 10,936 Goodwill and other intangibles 3,870 4,105 Other 7,375 6,026 Total deferred tax liabilities 420,870 389,318 Net deferred tax liabilities $ 275,358 $ 254,467 The net operating losses at December 31, 2016 consisted of state net operating losses that expire in 2017 through 2036 . The valuation allowance at December 31, 2016 and 2015 principally applies to net operating losses that, in the opinion of management, are more likely than not to expire unutilized. However, to the extent that tax benefits related to these carryforwards are realized in the future, the reduction in the valuation allowance will reduce income tax expense.

Equity

Equity	12 Months Ended
	Dec. 31, 2016
Equity [Abstract]
Equity	Equity Restricted Retained Earnings Retained earnings at TCF Bank at December 31, 2016 included approximately $134.4 million for which no provision for federal income taxes has been made. This amount represents earnings legally appropriated to thrift bad debt reserves and deducted for federal income tax purposes in prior years and is generally not available for payment of cash dividends or other distributions to stockholders. Future payments or distributions of these appropriated earnings could create a tax liability for TCF based on the amount of the distributions and the tax rates in effect at that time. Treasury Stock and Other Treasury stock and other were as follows: At December 31, (In thousands) 2016 2015 Treasury stock, at cost $ (1,102 ) $ (1,102 ) Shares held in trust for deferred compensation plans, at cost (48,317 ) (49,758 ) Total $ (49,419 ) $ (50,860 ) Repurchases No repurchases of common stock were made in 2016 , 2015 or 2014 . At December 31, 2016 , TCF had 5.4 million shares remaining in its stock repurchase program authorized by TCF's Board of Directors. Prior consultation with the Federal Reserve is required by regulation before TCF could repurchase any shares of its common stock. Depositary Shares Representing 7.50% Series A Non-Cumulative Perpetual Preferred Stock TCF had 6,900,000 depositary shares outstanding at December 31, 2016 and 2015 , each representing a 1/1000 th interest in a share of the Series A Non-Cumulative Perpetual Preferred Stock, par value $0.01 per share (the "Series A Preferred Stock"). Dividends are payable on the Series A Preferred Stock if, as and when declared by TCF's Board of Directors on a non-cumulative basis on March 1, June 1, September 1 and December 1 of each year at a per annum rate of 7.5% . The Series A Preferred Stock may be redeemed at TCF's option in whole or in part on or after June 25, 2017. TCF paid cash dividends to holders of the Series A Preferred Stock of $12.9 million in 2016 , 2015 and 2014 . 6.45% Series B Non-Cumulative Perpetual Preferred Stock TCF had 4,000,000 shares of 6.45% Series B Non-Cumulative Perpetual Preferred Stock, par value $0.01 per share (the "Series B Preferred Stock") outstanding at December 31, 2016 and 2015 . Dividends are payable on the Series B Preferred Stock if, as and when declared by TCF's Board of Directors on a non-cumulative basis on March 1, June 1, September 1 and December 1 of each year at a per annum rate of 6.45% . The Series B Preferred Stock may be redeemed at TCF's option in whole or in part on or after December 19, 2017. TCF paid cash dividends to holders of the Series B Preferred Stock of $6.5 million in 2016 , 2015 and 2014 . Shares Held in Trust for Deferred Compensation Plans Executive, Senior Officer, Winthrop and Directors Deferred Compensation Plans TCF maintains the aforementioned deferred compensation plans, which previously allowed both eligible employees and non-employee directors to defer a portion of certain payments, and, in some cases, grants of restricted stock. In October 2008, TCF terminated the employee plans and only the Director plan remains active, which allows non-employee directors to defer up to 100% of their director fees and restricted stock awards. The amounts deferred under these plans are invested in TCF common stock or other publicly traded stocks, bonds or mutual funds. At December 31, 2016 , the fair value of the assets in these plans totaled $14.0 million and included $10.5 million invested in TCF common stock, compared with a total fair value of $11.7 million , including $7.5 million invested in TCF common stock at December 31, 2015 . TCF Employees Deferred Stock Compensation Plan In 2011, TCF implemented the TCF Employees Deferred Stock Compensation Plan. This plan is comprised of restricted stock awards issued to certain executives. The assets of this plan are solely held in TCF common stock with a fair value of $35.6 million and $29.5 million at December 31, 2016 and 2015 , respectively. TCF 401K Supplemental Plan TCF also maintains the TCF 401K Supplemental Plan, a non-qualified plan, to which certain employees can contribute up to 50% of their salary and bonus. TCF matching contributions to this plan totaled $1.7 million , $1.0 million and $1.5 million in 2016 , 2015 and 2014 , respectively. The Company made no other contributions to this plan, other than payment of administrative expenses. The amounts deferred under this plan are invested in TCF common stock or mutual funds. At December 31, 2016 , the fair value of the assets in the plan totaled $48.2 million and included $27.9 million invested in TCF common stock, compared with a total fair value of $32.8 million , including $17.5 million invested in TCF common stock, at December 31, 2015 . The cost of TCF common stock held by TCF's deferred compensation plans and the TCF 401K Supplemental Plan is reported separately in a manner similar to treasury stock (that is, changes in fair value are not recognized) with a corresponding deferred compensation obligation reflected in additional paid-in capital. Warrants At December 31, 2016 , TCF had 3,199,988 warrants outstanding with an exercise price of $16.93 per share, which expire on November 14, 2018 . Upon the completion of the U.S. Department of the Treasury ("U.S. Treasury")'s secondary public offering of the warrants issued under the Capital Purchase Program ("CPP") in December 2009, the warrants became publicly traded on the New York Stock Exchange under the symbol "TCBWS". As a result, TCF has no further obligation to the Federal Government in connection with the CPP. Joint Venture TCF has a joint venture with The Toro Company ("Toro") called Red Iron Acceptance, LLC ("Red Iron"). Red Iron provides U.S. distributors and dealers and select Canadian distributors of the Toro ® and Exmark ® branded products with sources of financing. TCF and Toro maintain a 55% and 45% ownership interest, respectively, in Red Iron. As TCF has a controlling financial interest in Red Iron, its financial results are consolidated in TCF's financial statements. Toro's interest is reported as a non-controlling interest within equity.

Regulatory Capital Requirements

Regulatory Capital Requirements	12 Months Ended
	Dec. 31, 2016
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 earnings for the current year combined with its net retained earnings for the preceding two calendar years, which was $479.8 million at December 31, 2016 , without prior approval of the Office of the Comptroller of the Currency ("OCC"). The OCC also has the authority to prohibit the payment of dividends by a national bank when it determines such payments would constitute an unsafe and unsound banking practice. 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. In the future, these capital adequacy standards may be higher than existing minimum regulatory capital requirements. The Basel III capital standard was introduced in 2015 and phases in through 2019.The standard revised the definition of capital, increased minimum capital ratios, introduced regulatory capital buffers above those minimums, introduced a common equity Tier 1 capital ratio and revised 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 and TCF Bank are subject to a capital conservation buffer. When fully phased-in on January 1, 2019, the Basel III capital standard will require TCF and TCF Bank to maintain a 2.5% capital conservation buffer, designed to absorb losses during periods of economic stress, composed entirely of Common equity Tier 1 capital, on top of the minimum risk-weighted asset ratios, effectively resulting in minimum ratios for TCF Bank of (i) a Common equity Tier 1 capital ratio of at least 7.0% , (ii) a Tier 1 risk-based capital ratio of at least 8.5% and (iii) a Total risk-based capital ratio of at least 10.5% . Regulatory capital information for TCF and TCF Bank was as follows: TCF TCF Bank At December 31, At December 31, (Dollars in thousands) 2016 2015 2016 2015 Well-capitalized Standard Minimum Capital Requirement (1) Regulatory Capital: Common equity Tier 1 capital $ 1,970,323 $ 1,814,442 $ 2,144,966 $ 1,992,584 Tier 1 capital 2,248,221 2,092,195 2,162,128 2,008,585 Total capital 2,635,925 2,487,060 2,583,512 2,425,682 Regulatory Capital Ratios: Common equity Tier 1 capital ratio 10.24 % 10.00 % 11.14 % 10.99 % 6.50 % 4.50 % Tier 1 risk-based capital ratio 11.68 11.54 11.23 11.07 8.00 6.00 Total risk-based capital ratio 13.69 13.71 13.42 13.37 10.00 8.00 Tier 1 leverage ratio 10.73 10.46 10.32 10.04 5.00 4.00 (1) Excludes capital conservation buffer of 0.625% as of December 31, 2016 .

Stock Compensation

Stock Compensation	12 Months Ended
	Dec. 31, 2016
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
Stock Compensation	Stock Compensation The TCF Financial 2015 Omnibus Incentive Plan ("Omnibus Incentive Plan") and the TCF Financial Incentive Stock Program ("Incentive Stock Program") were adopted to enable TCF to attract and retain key personnel. In April 2015, TCF stockholders approved the Omnibus Incentive Plan, which replaced the Incentive Stock Program. At December 31, 2016 , there were 1,650,598 and 404,000 shares reserved for issuance under the Omnibus Incentive Plan and Incentive Stock Program, respectively. At December 31, 2016 , there were 50,000 and 1,050,000 shares of performance-based restricted stock awards outstanding under the Omnibus Incentive Plan and Incentive Stock Program, respectively, that will vest only if certain performance goals and service conditions are achieved. Failure to achieve the performance goals and service conditions will result in all or a portion of the shares being forfeited. Service-based restricted stock awards under either the Omnibus Incentive Plan or the Incentive Stock Program vest over periods from one to five years. Information about restricted stock awards was as follows: At or For the Year Ended December 31, (Dollars in thousands) 2016 2015 2014 Unrecognized stock compensation expense $ 24,925 $ 25,919 $ 22,532 Weighted-average amortization (years) 1.6 2.1 2.6 At December 31, 2016 , there were 228,867 performance-based restricted stock units granted under the Omnibus Incentive Plan that will vest only if certain performance goals are achieved. The performance-based restricted stock units are subject to TCF’s relative total stockholder return for a three -year measurement period, based on award date, as measured against the peer group, which includes all publicly-traded banks and thrift institutions with assets between $10 billion and $50 billion , excluding peers which do not remain publicly traded for the full three -year performance period. The number of restricted stock units granted was at target and the actual restricted stock units granted will depend on actual performance with a maximum total payout of 150% of target. Failure to achieve the performance goals will result in all or a portion of the restricted stock units being forfeited. None of the performance-based restricted stock units have vested. The remaining performance period of the restricted stock units was 2.0 years at December 31, 2016 . Compensation expense for restricted stock awards and restricted stock units was as follows: Year Ended December 31, (In thousands) 2016 2015 2014 Compensation expense $ 8,715 $ 5,931 $ 8,690 Tax benefit recognized for stock compensation expense 3,103 2,127 3,424 In 2008, TCF granted stock options under the Incentive Stock Program. These options generally become exercisable over a period of one to 10 years from the date of the grant and expire after 10 years. All outstanding options have a fixed exercise price equal to the market price of TCF common stock on the date of grant. No stock options have subsequently been granted under the Incentive Stock Program. TCF also has the ability to grant stock options under the Omnibus Incentive Plan. As of December 31, 2016 , no stock options had been granted under the Omnibus Incentive Plan. The valuation assumptions for stock options granted in 2008 under the Incentive Stock Program were as follows: Expected volatility 28.5 % Weighted-average volatility 28.5 % Expected dividend yield 3.5 % Expected term (years) 6.25 - 6.75 Risk-free interest rate 2.58 % - 2.91 % TCF's restricted stock award and stock option transactions since December 31, 2013 under the Omnibus Incentive Plan and the Incentive Stock Program were as follows: Restricted Stock Awards 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, 2013 3,355,295 $ 6.16 - $ 15.17 $ 11.09 1,626,000 $ 12.85 - $ 15.75 4.36 $ 13.97 Granted 1,120,750 13.84 - 16.02 15.61 — — - — — — Exercised — — - — — (47,000 ) 15.75 - 15.75 — 15.75 Forfeited/canceled (108,490 ) 6.80 - 15.79 13.06 — — - — — — Vested (1,509,061 ) 8.35 - 14.90 11.21 — — - — — — 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 786,933 12.86 - 16.28 14.45 — — - — — — Exercised — — - — — (200,000 ) 12.85 - 12.85 — 12.85 Forfeited/canceled (156,332 ) 6.80 - 15.96 13.20 — — - — — — Vested (216,009 ) 9.65 - 15.96 13.16 — — - — — — Outstanding at December 31, 2015 3,273,086 6.16 - 16.28 13.09 1,379,000 12.85 - 15.75 2.17 14.07 Granted 899,000 9.48 - 13.24 12.13 — — - — — — Exercised — — - — — (857,000 ) 12.85 - 15.75 — 13.04 Forfeited/canceled (230,486 ) 6.16 - 15.96 13.59 (118,000 ) 15.75 - 15.75 — 15.75 Vested (405,425 ) 9.65 - 15.96 13.10 — — - — — — Outstanding at December 31, 2016 3,536,175 7.73 - 16.28 12.81 404,000 15.75 - 15.75 1.06 15.75 Exercisable at December 31, 2016 N.A. N.A. 404,000 15.75 - 15.75 15.75 N.A. Not Applicable.

Employee Benefit Plans

Employee Benefit Plans	12 Months Ended
	Dec. 31, 2016
Compensation and Retirement Disclosure [Abstract]
Employee Benefit Plans	Employee Benefit Plans 401K Plan The TCF 401K Plan (the "401K"), a qualified 401(k) and employee stock ownership plan, allows participants to make contributions of up to 50% of their covered compensation on a tax-deferred basis, subject to the annual covered compensation limitation imposed by the Internal Revenue Service ("IRS"). TCF matches the contributions of all participants with TCF common stock at the rate of $1 per dollar for employees with one or more years of service up to a maximum company contribution of 5.0% of the employee's covered compensation subject to the annual covered compensation limitation imposed by the IRS. Employee contributions and matching contributions vest immediately. Prior to January 1, 2016 TCF matched the contributions of all participants with TCF common stock at the rate of 50 cents per dollar for employees with one through four years of service up to a maximum company contribution of 3.0% of the employee's covered compensation, 75 cents per dollar for employees with five through nine years of service up to a maximum company contribution of 4.5% of the employee's covered compensation and $1 per dollar for employees with 10 or more years of service up to a maximum company contribution of 6.0% of the employee's covered compensation, subject to the annual covered compensation limitation imposed by the IRS. Employee contributions vested immediately while the Company's matching contributions made prior to January 1, 2016 are subject to a graduated vesting schedule based on an employee's years of service with full vesting after five years. Employees have the opportunity to diversify and invest their account balance, including matching contributions, in various mutual funds or TCF common stock. At December 31, 2016 , the fair value of the assets in the 401K totaled $315.5 million and included $174.4 million invested in TCF common stock. Dividends on TCF common shares held in the 401K reduce retained earnings and the shares are considered outstanding for computing earnings per share. The Company's matching contributions are expensed when earned. TCF's contributions to the 401K were $12.6 million , $10.6 million and $9.6 million in 2016 , 2015 and 2014 , respectively. Pension Plan The TCF Cash Balance Pension Plan (the "Pension Plan") is a qualified defined benefit plan covering eligible employees who are at least 21 years old and have completed a year of eligible service with TCF. Employees hired after June 30, 2004 are not eligible to participate in the Pension Plan. Effective March 31, 2006, TCF amended the Pension Plan to discontinue compensation credits for all participants. Interest credits will continue to be paid until participants' accounts are distributed from the Pension Plan. Each month TCF credits participants' accounts with interest on their account balance based on the five -year Treasury rate plus 25 basis points rounded to the nearest quarter point determined at the beginning of each year. All participant accounts are vested. The measurement of the projected benefit obligation, prepaid pension asset, pension liability and annual pension expense involves complex actuarial valuation methods and the use of actuarial and economic assumptions. Due to the long-term nature of the Pension Plan obligation, actual results may differ significantly from the actuarial-based estimates. Differences between estimates and actual experience are recorded in the year they arise. TCF closely monitors all assumptions and updates them annually. The Company does not consolidate the assets and liabilities associated with the Pension Plan. Postretirement Plan TCF provides health care benefits for eligible retired employees (the "Postretirement Plan"). Effective January 1, 2000, TCF modified the Postretirement Plan for employees not yet eligible for benefits under the Postretirement Plan by eliminating the Company subsidy. The Postretirement Plan provisions for full-time and retired employees then eligible for these benefits were not changed. Employees retiring after December 31, 2009 are no longer eligible to participate in the Postretirement Plan. The Postretirement Plan is not funded. The information set forth in the following tables is based on current actuarial reports using the measurement date of December 31 for TCF's Pension Plan and Postretirement Plan . The funded statuses of the Pension Plan and the Postretirement Plan were as follows: Pension Plan Postretirement Plan Year Ended December 31, (In thousands) 2016 2015 2016 2015 Change in projected benefit obligation: Benefit obligation, beginning of period $ 35,953 $ 39,490 $ 4,570 $ 4,984 Interest cost on projected benefit obligation 1,281 1,216 151 154 Actuarial (gain) loss (625 ) (1,436 ) (211 ) (173 ) Benefits paid (3,435 ) (3,317 ) (346 ) (395 ) Projected benefit obligation, end of period 33,174 35,953 4,164 4,570 Change in fair value of plan assets: Fair value of plan assets, beginning of period 40,914 44,678 — — Actual gain (loss) on plan assets 1,898 (447 ) — — Benefits paid (3,435 ) (3,317 ) (346 ) (395 ) TCF contributions — — 346 395 Fair value of plan assets, end of period 39,377 40,914 — — Funded status of plans, end of period $ 6,203 $ 4,961 $ (4,164 ) $ (4,570 ) Amounts recognized in the Consolidated Statements of Financial Condition: Prepaid (accrued) benefit cost, end of period $ 6,203 $ 4,961 $ (4,164 ) $ (4,570 ) Prior service cost included in accumulated other comprehensive income (loss) — — (239 ) (285 ) Total recognized asset (liability) $ 6,203 $ 4,961 $ (4,403 ) $ (4,855 ) The accumulated benefit obligation for the Pension Plan was $33.2 million and $36.0 million at December 31, 2016 and 2015 , respectively. TCF's Pension Plan investment policy permits investments in cash, money market mutual funds, direct fixed income securities to include U.S. Treasury securities, U.S. Government-sponsored enterprises and indirect fixed income investment securities made in fund form (mutual fund or institutional fund) where the fund invests in fixed income securities in investment grade corporate credits, non-investment grade floating-rate bank loans and non-investment grade bonds. The fair value of Level 1 assets are based upon prices obtained from independent pricing sources for the same assets traded in active markets. The fair value of the mortgage-backed securities categorized as Level 2 assets are based on prices obtained from independent pricing sources that are based on observable transactions of similar instruments, but not quoted markets. There were no assets that are valued on a recurring basis as Level 3 assets. The balances of TCF's Pension Plan investments measured at fair value on a recurring basis were as follows: Pension Plan Year Ended December 31, (In thousands) 2016 2015 Level 1: Fixed income mutual funds $ 26,121 $ 25,323 Money market mutual funds 2,430 3,406 Cash 65 87 Level 2: Mortgage-backed securities 5,766 7,339 Pension plan investments not classified in fair value hierarchy: Collective investment fund 4,989 4,729 Total Pension Plan assets held in trust $ 39,371 $ 40,884 The changes recognized in accumulated other comprehensive income (loss) attributable to the Postretirement Plan were as follows: Postretirement Plan Year Ended December 31, (In thousands) 2016 2015 2014 Accumulated other comprehensive income (loss) before tax, beginning of period $ (285 ) $ (331 ) $ (378 ) Amortization of prior service credit (recognized in net periodic benefit cost) 46 46 47 Accumulated other comprehensive income (loss) before tax, end of period $ (239 ) $ (285 ) $ (331 ) The Pension Plan does not have any accumulated other comprehensive income (loss). The net periodic benefit plan (income) cost included in compensation and employee benefits expense for the Pension Plan and the Postretirement Plan was as follows: Pension Plan Year Ended December 31, (In thousands) 2016 2015 2014 Interest cost $ 1,281 $ 1,216 $ 1,587 (Gain) loss on plan assets (1,898 ) 447 511 Recognized actuarial (gain) loss (625 ) (1,436 ) 1,862 Net periodic benefit plan (income) cost $ (1,242 ) $ 227 $ 3,960 Postretirement Plan Year Ended December 31, (In thousands) 2016 2015 2014 Interest cost $ 151 $ 154 $ 198 Recognized actuarial (gain) loss (211 ) (173 ) (63 ) Amortization of prior service cost (46 ) (46 ) (47 ) Net periodic benefit plan (income) cost $ (106 ) $ (65 ) $ 88 Pension Plan actual return on plan assets, net of administrative expenses was 4.9% in 2016 and a loss of 1.0% in 2015 and 2014 . The expected actuarial return on plan assets was a gain of $0.6 million , $0.6 million and $0.7 million in 2016 , 2015 and 2014 , respectively. In 2016 , the actual gain on plan assets of $1.9 million decreased net periodic benefit plan costs. In 2015 and 2014 , the actual losses on plan assets of $0.4 million and $0.5 million , respectively, increased net periodic benefit plan costs. The assumptions used to determine the estimated net benefit plan costs for the Pension Plan and Postretirement Plan were as follows: Pension Plan Postretirement Plan Year Ended December 31, Year Ended December 31, 2016 2015 2014 2016 2015 2014 Discount rate 3.75 % 3.25 % 4.00 % 3.50 % 3.25 % 4.00 % Expected long-term rate of return on plan assets 1.50 1.50 1.50 N.A. N.A. N.A. N.A. Not Applicable. Prior service credits of TCF's Postretirement Plan of $46 thousand were included within accumulated other comprehensive income (loss) at December 31, 2016 and are expected to be recognized as components of net periodic benefit cost during 2017 . The actuarial assumptions used in the Pension Plan valuation are reviewed annually. The expected long-term rate of return on plan assets is determined by reference to historical market returns and future expectations. The 10-year expected average return of the index consistent with the Pension Plan's current investment strategy was 1.4% , net of administrative expenses. A 1.0% difference in the expected return on plan assets would result in a $0.4 million change in net periodic pension expense. The assumptions used to determine the estimated benefit plan obligation for the Pension Plan and Postretirement Plan were as follows: Pension Plan Postretirement Plan Year Ended December 31, Year Ended December 31, 2016 2015 2016 2015 Discount rate 3.60 % 3.75 % 3.40 % 3.50 % Health care cost trend rate assumed for next year N.A. N.A. 5.8 5.9 Final health care cost trend rate N.A. N.A. 4.5 4.5 Year that final health care trend rate is reached N.A. N.A. 2038 2038 N.A. Not Applicable. The discount rates used to determine the estimated benefit plan obligation were determined by matching estimated benefit cash flows to a yield curve derived from corporate bonds rated AA by either Moody's or Standard and Poor's. Bonds containing call or put provisions were excluded. The average estimated duration of benefit cash flows for TCF's Pension Plan and Postretirement Plan varied between 6.7 and 7.0 years . Assumed health care cost trend rates have an effect on the amounts reported for the Postretirement Plan. A 1.0% change in assumed health care cost trend rates would have the following effect: 1-Percentage-Point (In thousands) Increase Decrease Effect on total service and interest cost components $ 5 $ (5 ) Effect on postretirement benefit obligations 145 (133 ) For 2016 , TCF was eligible to contribute up to $11.9 million to the Pension Plan until the 2016 federal income tax return extended due date under various IRS funding methods. During 2016 , TCF made no cash contributions to the Pension Plan. TCF does not expect to be required to contribute to the Pension Plan in 2017 . TCF expects to contribute $0.5 million to the Postretirement Plan in 2017 . TCF contributed $0.3 million to the Postretirement Plan in 2016 . TCF currently has no plans to pre-fund the Postretirement Plan in 2017 . The expected future benefit payments used to determine projected benefit obligations were as follows: (In thousands) Pension Plan Postretirement Plan 2017 $ 3,111 $ 496 2018 3,110 471 2019 3,128 444 2020 2,980 418 2021 2,317 391 2022 - 2026 10,518 1,564

Financial Instruments with Off-

Financial Instruments with Off-Balance Sheet Risk	12 Months Ended
	Dec. 31, 2016
Financial Instruments with Off-Balance Sheet Risk
Financial Instruments with Off-Balance Sheet Risk	Financial Instruments with Off-Balance Sheet Risk TCF is a party to financial instruments with off-balance sheet risk, primarily to meet the financing needs of its customers. These financial instruments, which are issued or held for purposes other than trading, involve elements of credit and interest-rate risk in excess of the amounts recognized in the Consolidated Statements of Financial Condition. TCF's exposure to credit loss, in the event of non-performance by the counterparty to the financial instrument, for commitments to extend credit and standby letters of credit is represented by the contractual amount of the commitments. TCF uses the same credit policies in making these commitments as it does for making direct loans. TCF evaluates each customer's creditworthiness on a case-by-case basis. The amount of collateral obtained is based on a credit evaluation of the customer. Financial instruments with off-balance sheet risk were as follows: At December 31, (In thousands) 2016 2015 Commitments to extend credit: Consumer real estate and other $ 1,425,585 $ 1,402,088 Commercial 898,809 639,465 Leasing and equipment finance 125,648 128,259 Total commitments to extend credit 2,450,042 2,169,812 Standby letters of credit and guarantees on industrial revenue bonds 8,782 9,178 Total $ 2,458,824 $ 2,178,990 Commitments to Extend Credit Commitments to extend credit are agreements to lend provided there is no violation of any condition in the contract. These commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Since a certain amount of the commitments are expected to expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. Collateral to secure any funding of these commitments predominantly consists of residential and commercial real estate. Standby Letters of Credit and Guarantees on Industrial Revenue Bonds Standby letters of credit and guarantees on industrial revenue bonds are conditional commitments issued by TCF guaranteeing the performance of a customer to a third party. These conditional commitments expire in various years through 2020 . Collateral held consists primarily of commercial real estate mortgages. Since the conditions under which TCF is required to fund these commitments may not materialize, the cash requirements are expected to be less than the total outstanding commitments.

Derivative Instruments

Derivative Instruments	12 Months Ended
	Dec. 31, 2016
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Derivative Instruments	Derivative Instruments Derivative instruments were as follows: At December 31, 2016 (In thousands) Notional Amount Gross Amounts Recognized Gross Amounts Offset Net Amount Presented Derivative Assets: Derivatives designated as hedges: Forward foreign exchange contracts $ 61,760 $ 1,082 $ — $ 1,082 Derivatives not designated as hedges: Forward foreign exchange contracts 250,018 2,995 (1,439 ) 1,556 Interest rate contracts 149,499 1,925 (633 ) 1,292 Interest rate lock commitments 27,954 318 — 318 Total derivative assets $ 6,320 $ (2,072 ) $ 4,248 Derivative Liabilities: Derivatives designated as hedges: Interest rate contracts $ 150,000 $ 1,320 $ (1,320 ) $ — Derivatives not designated as hedges: Forward foreign exchange contracts 115,336 469 (445 ) 24 Interest rate contracts 149,499 1,936 (1,332 ) 604 Other contracts 13,804 619 (619 ) — Interest rate lock commitments 2,947 21 — 21 Total derivative liabilities $ 4,365 $ (3,716 ) $ 649 At December 31, 2015 (In thousands) Notional Amount Gross Amounts Recognized Gross Amounts Offset Net Amount Presented Derivative Assets: Derivatives designated as hedges: Forward foreign exchange contracts $ 47,409 $ 858 $ — $ 858 Derivatives not designated as hedges: Forward foreign exchange contracts 260,678 5,057 (2,081 ) 2,976 Interest rate contracts 111,347 2,093 — 2,093 Interest rate lock commitments 50,667 729 — 729 Total derivative assets $ 8,737 $ (2,081 ) $ 6,656 Derivative Liabilities: Derivatives designated as hedges: Interest rate contracts $ 150,000 $ 142 $ (142 ) $ — Derivatives not designated as hedges: Forward foreign exchange contracts 187,902 1,192 (1,081 ) 111 Interest rate contracts 111,347 2,175 (2,175 ) — Other contracts 13,804 305 (305 ) — Interest rate lock commitments 3,218 13 — 13 Total derivative liabilities $ 3,827 $ (3,703 ) $ 124 The pre-tax impact of derivative activity within the Consolidated Statements of Income and the Consolidated Statements of Comprehensive Income was as follows: Year Ended December 31, (In thousands) Income Statement Location 2016 2015 2014 Consolidated Statements of Income Fair value hedges: Interest rate contracts Other non-interest income $ (1,178 ) $ (142 ) $ — Non-derivative hedged items Other non-interest income 1,140 209 — Not designated as hedges: Forward foreign exchange contracts Other non-interest expense (13,689 ) 74,292 38,752 Interest rate lock commitments Gains on sales of consumer real estate loans, net (419 ) 431 285 Interest rate contracts Other non-interest income 71 4 (79 ) Other contracts Other non-interest expense (629 ) — — Net gain (loss) recognized $ (14,704 ) $ 74,794 $ 38,958 Consolidated Statements of Comprehensive Income Net investment hedges: Forward foreign exchange contracts Other comprehensive income (loss) $ (1,213 ) $ 7,613 $ 3,126 Net unrealized gain (loss) $ (1,213 ) $ 7,613 $ 3,126 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 December 31, 2016 , credit risk-related contingent features existed on forward foreign exchange contracts with a notional value of $78.1 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 $1.6 million in additional collateral. There were no forward foreign exchange contracts containing credit risk-related features in a net liability position at December 31, 2016 . At December 31, 2016 , TCF had posted $10.1 million and $1.4 million of cash collateral related to its interest rate contracts and other contracts, respectively, and had received $3.8 million of cash collateral related to its forward foreign exchange contracts.

Fair Values Disclosures

Fair Values Disclosures	12 Months Ended
	Dec. 31, 2016
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, interest-only strips, forward foreign exchange contracts, interest rate contracts, interest rate lock commitments, forward loan sales commitments, assets and liabilities held in trust for deferred compensation plans and other contracts 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, other real estate owned, repossessed and returned assets and the securitization receivable. These non-recurring fair value adjustments typically involve application of lower of cost or fair value accounting or write-downs of individual assets. 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. The following is a discussion of the valuation methodologies used to record assets and liabilities at fair value on a recurring or non-recurring basis and for estimating fair value of financial instruments not recorded at fair value. 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 other mortgage-backed securities and other securities, categorized as Level 3, is estimated based on discounted cash flows using consideration of credit exposure and 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. Loans and Leases Held for Sale Loans and leases held for sale are generally carried at the lower of cost or fair value. 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 non-accrual 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. Interest-only Strips The fair value of interest-only strips, categorized as Level 3, represents the present value of future cash flows expected to be received 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. 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 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 swap agreements 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 interest rate risk exposure resulting from such transactions. TCF also has an interest rate swap agreement to convert its $150.0 million of fixed-rate subordinated 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. Interest Rate Lock Commitments and Forward Loan Sales Commitments TCF's interest rate lock commitments are derivative instruments that 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. Other Real Estate Owned and Repossessed and Returned Assets The fair value of other real estate owned, categorized as Level 3, 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. Securitization Receivable TCF executed an auto finance loan securitization during the second quarter of 2016 with a related receivable representing a cash reserve account posted at the inception of the securitization. The fair value of the securitization receivable, categorized as Level 3, is estimated based on discounted cash flows using interest rates for borrowings of similar remaining maturities plus a spread based on management's judgment. 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. Other Contracts TCF has 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. 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. 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. 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 balances of assets and liabilities measured at fair value on a recurring and non-recurring basis were as follows: Fair Value Measurements at December 31, 2016 (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 $ — $ 810,891 $ — $ 810,891 Other — — 18 18 Obligations of states and political subdivisions — 612,526 — 612,526 Loans and leases held for sale — — 6,498 6,498 Interest-only strips — — 40,152 40,152 Forward foreign exchange contracts (1) — 4,077 — 4,077 Interest rate contracts (1) — 1,925 — 1,925 Interest rate lock commitments (1) — — 318 318 Forward loan sales commitments — — 374 374 Assets held in trust for deferred compensation plans 23,363 — — 23,363 Total assets $ 23,363 $ 1,429,419 $ 47,360 $ 1,500,142 Forward foreign exchange contracts (1) $ — $ 469 $ — $ 469 Interest rate contracts (1) — 3,256 — 3,256 Interest rate lock commitments (1) — — 21 21 Forward loan sales commitments — — 13 13 Liabilities held in trust for deferred compensation plans 23,363 — — 23,363 Other contracts (1) — — 619 619 Total liabilities $ 23,363 $ 3,725 $ 653 $ 27,741 Non-recurring Fair Value Measurements: Securities held to maturity $ — $ — $ 2,400 $ 2,400 Loans — — 113,954 113,954 Other real estate owned: Consumer — — 25,751 25,751 Commercial — — 3,874 3,874 Repossessed and returned assets — 2,767 2,800 5,567 Total non-recurring fair value measurements $ — $ 2,767 $ 148,779 $ 151,546 (1) As permitted under GAAP, TCF has elected to net derivative assets and derivative liabilities 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 assets and derivative liabilities are presented gross of this netting adjustment. Fair Value Measurements at December 31, 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 $ — $ 621,930 $ — $ 621,930 Other — — 34 34 Obligations of states and political subdivisions — 266,921 — 266,921 Loans and leases held for sale — — 10,568 10,568 Interest-only strips — — 44,332 44,332 Forward foreign exchange contracts (1) — 5,915 — 5,915 Interest rate contracts (1) — 2,093 — 2,093 Interest rate lock commitments (1) — — 729 729 Forward loan sales commitments — — 284 284 Assets held in trust for deferred compensation plans 19,731 — — 19,731 Total assets $ 19,731 $ 896,859 $ 55,947 $ 972,537 Forward foreign exchange contracts (1) $ — $ 1,192 $ — $ 1,192 Interest rate contracts (1) — 2,317 — 2,317 Interest rate lock commitments (1) — — 13 13 Forward loan sales commitments — — 19 19 Liabilities held in trust for deferred compensation plans 19,731 — — 19,731 Other contracts (1) — — 305 305 Total liabilities $ 19,731 $ 3,509 $ 337 $ 23,577 Non-recurring Fair Value Measurements: Securities held to maturity $ — $ — $ 1,110 $ 1,110 Loans — — 130,797 130,797 Other real estate owned: Consumer — — 37,619 37,619 Commercial — — 5,249 5,249 Repossessed and returned assets — 2,673 2,197 4,870 Total non-recurring fair value measurements $ — $ 2,673 $ 176,972 $ 179,645 (1) As permitted under GAAP, TCF has elected to net derivative assets and derivative liabilities 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 assets and derivative liabilities 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 2016 , 2015 and 2014 . The changes in Level 3 assets and liabilities measured at fair value on a recurring basis were as follows: (In thousands) Securities Available for Sale Loans and Leases Held for Sale Interest-only Strips Interest Rate Lock Commitments Forward Loan Sales Commitments Other Contracts Asset (liability) balance, December 31, 2013 $ 93 $ — $ 84,561 $ — $ — $ (899 ) Total net gains (losses) included in: Net income — 72 6,836 285 (23 ) (47 ) Sales — (39,246 ) — — — — Originations — 42,482 28,743 — — — Principal paydowns / settlements (38 ) — (50,351 ) — — 325 Asset (liability) balance, December 31, 2014 55 3,308 69,789 285 (23 ) (621 ) Total net gains (losses) included in: Net income — (68 ) 6,960 431 288 — Sales — (289,751 ) — — — — Originations — 297,079 7,495 — — — Principal paydowns / settlements (21 ) — (39,912 ) — — 316 Asset (liability) balance, December 31, 2015 34 10,568 44,332 716 265 (305 ) Total net gains (losses) included in: Net income — (48 ) 2,980 (419 ) 96 (629 ) Other comprehensive income (loss) — — 159 — — — Sales — (343,949 ) — — — — Originations — 339,930 22,620 — — — Principal paydowns / settlements (16 ) (3 ) (29,939 ) — — 315 Asset (liability) balance, December 31, 2016 $ 18 $ 6,498 $ 40,152 $ 297 $ 361 $ (619 ) Fair Value Option TCF Bank originates first mortgage lien loans in its primary banking markets and sells the loans through a correspondent relationship. 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 difference between the aggregate fair value and aggregate unpaid principal balance of these loans held for sale was as follows: At December 31, (In thousands) 2016 2015 Fair value carrying amount $ 6,498 $ 10,568 Aggregate unpaid principal amount 6,563 10,547 Fair value carrying amount less aggregate unpaid principal $ (65 ) $ 21 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 December 31, 2016 or 2015 . 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 $7.6 million , $6.3 million and $0.9 million for 2016 , 2015 and 2014 , respectively, and is included in gains on sales of consumer real estate loans, net. This amount excludes the impact from the interest rate lock commitments and forward loan sales commitments 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 December 31, 2016 and 2015 , 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 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 were as follows. 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 December 31, 2016 (In thousands) Level 1 Level 2 Level 3 Total Financial instrument assets: Investments $ 74,714 $ — $ 74,714 $ — $ 74,714 Securities held to maturity 181,314 — 181,146 2,800 183,946 Loans and leases held for sale 268,832 — — 282,786 282,786 Loans: Consumer real estate 5,084,352 — — 5,165,062 5,165,062 Commercial real estate 2,634,191 — — 2,583,775 2,583,775 Commercial business 652,287 — — 631,215 631,215 Equipment finance 2,016,732 — — 1,983,237 1,983,237 Inventory finance 2,470,175 — — 2,453,184 2,453,184 Auto finance 2,647,741 — — 2,656,266 2,656,266 Other 18,771 — — 17,780 17,780 Allowance for loan losses (1) (160,269 ) — — — — Securitization receivable (2) 18,835 — — 18,835 18,835 Total financial instrument assets $ 15,907,675 $ — $ 255,860 $ 15,794,940 $ 16,050,800 Financial instrument liabilities: Deposits $ 17,242,522 $ 13,150,099 $ 4,112,685 $ — $ 17,262,784 Long-term borrowings 1,073,181 — 1,073,875 2,764 1,076,639 Total financial instrument liabilities $ 18,315,703 $ 13,150,099 $ 5,186,560 $ 2,764 $ 18,339,423 Financial instruments with off-balance sheet risk: (3) Commitments to extend credit $ 21,681 $ — $ 21,681 $ — $ 21,681 Standby letters of credit (29 ) — (29 ) — (29 ) Total financial instruments with off-balance sheet risk $ 21,652 $ — $ 21,652 $ — $ 21,652 (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, 2015 (In thousands) Level 1 Level 2 Level 3 Total Financial instrument assets: Investments $ 70,537 $ — $ 70,537 $ — $ 70,537 Securities held to maturity 201,920 — 202,443 4,510 206,953 Loans and leases held for sale 157,625 — — 165,387 165,387 Loans: Consumer real estate 5,464,272 — — 5,543,273 5,543,273 Commercial real estate 2,593,429 — — 2,556,018 2,556,018 Commercial business 552,403 — — 531,274 531,274 Equipment finance 1,909,672 — — 1,888,664 1,888,664 Inventory finance 2,146,754 — — 2,132,435 2,132,435 Auto finance 2,647,596 — — 2,650,429 2,650,429 Other 19,297 — — 14,699 14,699 Allowance for loan losses (1) (156,054 ) — — — — Total financial instrument assets $ 15,607,451 $ — $ 272,980 $ 15,486,689 $ 15,759,669 Financial instrument liabilities: Deposits $ 16,719,989 $ 12,816,196 $ 3,927,434 $ — $ 16,743,630 Long-term borrowings 1,034,557 — 1,035,846 5,427 1,041,273 Total financial instrument liabilities $ 17,754,546 $ 12,816,196 $ 4,963,280 $ 5,427 $ 17,784,903 Financial instruments with off-balance sheet risk: (2) Commitments to extend credit $ 23,937 $ — $ 23,937 $ — $ 23,937 Standby letters of credit (35 ) — (35 ) — (35 ) Total financial instruments with off-balance sheet risk $ 23,902 $ — $ 23,902 $ — $ 23,902 (1) Expected credit losses are included in the estimated fair values. (2) Positive amounts represent assets, negative amounts represent liabilities.

Earnings Per Common Share

Earnings Per Common Share	12 Months Ended
	Dec. 31, 2016
Earnings Per Share [Abstract]
Earnings Per Common Share	Earnings Per Common Share The computations of basic and diluted earnings per common share were as follows: Year Ended December 31, (Dollars in thousands, except per-share data) 2016 2015 2014 Basic Earnings Per Common Share: Net income available to common stockholders $ 192,736 $ 177,735 $ 154,799 Earnings allocated to participating securities 49 45 40 Earnings allocated to common stock $ 192,687 $ 177,690 $ 154,759 Weighted-average common shares outstanding for basic earnings per common share 167,219,964 165,696,678 163,581,435 Basic earnings per common share $ 1.15 $ 1.07 $ 0.95 Diluted Earnings Per Common Share: Earnings allocated to common stock $ 192,687 $ 177,690 $ 154,759 Weighted-average common shares outstanding used in basic earnings per common share calculation 167,219,964 165,696,678 163,581,435 Net dilutive effect of: Non-participating restricted stock 505,162 335,193 250,499 Stock options 82,325 210,049 252,892 Weighted-average common shares outstanding for diluted earnings per common share 167,807,451 166,241,920 164,084,826 Diluted earnings per common share $ 1.15 $ 1.07 $ 0.94 For 2016 , 2015 and 2014 , there were 4.7 million , 4.5 million and 4.2 million , respectively, of outstanding shares related to non-participating restricted stock and warrants that were not included in the computation of diluted earnings per share because they were anti-dilutive.

Other Expense

Other Expense	12 Months Ended
	Dec. 31, 2016
Other Income and Expenses [Abstract]
Other Expense	Other Expense Other expense was as follows: Year Ended December 31, (In thousands) 2016 2015 2014 Loan and lease processing $ 26,193 $ 24,641 $ 20,294 Advertising and marketing 22,264 22,782 22,943 Professional fees 19,335 19,615 18,949 FDIC insurance 15,912 20,262 25,123 Card processing and issuance cost 15,856 16,591 16,588 Outside processing 15,313 14,332 13,288 Other 116,547 111,032 110,785 Total other expense $ 231,420 $ 229,255 $ 227,970

Business Segments

Business Segments	12 Months Ended
	Dec. 31, 2016
Segment Reporting [Abstract]
Business Segments	Business Segments Effective January 1, 2016, the Company changed its reportable segments to align with the way the Company is now managed. The revised presentation of previously reported segment data has been applied retroactively to all periods presented in these financial statements. The new reportable segments are Consumer Banking, Wholesale Banking and Enterprise Services. Consumer Banking is comprised of all of the Company's consumer-facing businesses and includes retail banking, consumer real estate and auto finance. Wholesale Banking is comprised of commercial real estate and business lending, leasing and equipment finance and inventory finance. Enterprise Services is comprised of (i) corporate treasury, which includes TCF's investment and borrowing portfolios and management of capital, debt and market risks; (ii) corporate functions, such as information technology, risk and credit management, bank operations, finance, investor relations, corporate development, legal and human resources, that provide services to the operating segments; (iii) the Holding Company; and (iv) eliminations. TCF evaluates performance and allocates resources based on each reportable segment's net income or loss. The reportable business segments follow GAAP as described in Note 1 , Basis of Presentation , except for the accounting for intercompany interest income and interest expense, which are eliminated in consolidation, and presenting net interest income on a fully tax-equivalent basis. TCF generally accounts for inter-segment sales and transfers at cost. Certain information for each of TCF's reportable segments, including reconciliations of TCF's consolidated totals, was as follows: (In thousands) Consumer Banking Wholesale Banking Enterprise Services Consolidated At or For the Year Ended December 31, 2016: Net interest income $ 559,851 $ 343,653 $ (55,398 ) $ 848,106 Provision for credit losses 50,819 15,055 — 65,874 Non-interest income 336,991 128,881 28 465,900 Non-interest expense 652,460 247,115 10,312 909,887 Income tax expense (benefit) 69,523 70,805 (23,800 ) 116,528 Income (loss) after income tax expense (benefit) 124,040 139,559 (41,882 ) 221,717 Income attributable to non-controlling interest — 9,593 — 9,593 Preferred stock dividends — — 19,388 19,388 Net income (loss) available to common stockholders $ 124,040 $ 129,966 $ (61,270 ) $ 192,736 Total assets $ 8,671,126 $ 10,379,951 $ 2,390,249 $ 21,441,326 Revenues from external customers: Interest income $ 443,959 $ 452,882 $ 33,889 $ 930,730 Non-interest income 336,991 128,881 28 465,900 Total $ 780,950 $ 581,763 $ 33,917 $ 1,396,630 At or For the Year Ended December 31, 2015: Net interest income $ 536,714 $ 339,934 $ (56,260 ) $ 820,388 Provision for credit losses 44,328 8,616 — 52,944 Non-interest income 320,399 119,779 1,820 441,998 Non-interest expense 645,939 244,921 3,887 894,747 Income tax expense (benefit) 61,384 70,127 (22,639 ) 108,872 Income (loss) after income tax expense (benefit) 105,462 136,049 (35,688 ) 205,823 Income attributable to non-controlling interest — 8,700 — 8,700 Preferred stock dividends — — 19,388 19,388 Net income (loss) available to common stockholders $ 105,462 $ 127,349 $ (55,076 ) $ 177,735 Total assets $ 8,954,807 $ 9,558,406 $ 2,176,396 $ 20,689,609 Revenues from external customers: Interest income $ 434,674 $ 431,764 $ 25,492 $ 891,930 Non-interest income 320,399 119,779 1,820 441,998 Total $ 755,073 $ 551,543 $ 27,312 $ 1,333,928 At or For the Year Ended December 31, 2014: Net interest income $ 511,663 $ 326,291 $ (22,325 ) $ 815,629 Provision for credit losses 89,895 5,842 — 95,737 Non-interest income 326,048 105,624 1,595 433,267 Non-interest expense 619,526 237,221 15,030 871,777 Income tax expense (benefit) 47,906 66,475 (14,615 ) 99,766 Income (loss) after income tax expense (benefit) 80,384 122,377 (21,145 ) 181,616 Income attributable to non-controlling interest — 7,429 — 7,429 Preferred stock dividends — — 19,388 19,388 Net income (loss) available to common stockholders $ 80,384 $ 114,948 $ (40,533 ) $ 154,799 Total assets $ 8,443,343 $ 8,969,814 $ 1,980,499 $ 19,393,656 Revenues from external customers: Interest income $ 433,954 $ 418,064 $ 22,211 $ 874,229 Non-interest income 326,048 105,624 1,595 433,267 Total $ 760,002 $ 523,688 $ 23,806 $ 1,307,496

Parent Company Financial Inform

Parent Company Financial Information	12 Months Ended
	Dec. 31, 2016
Condensed Financial Information of Parent Company Only Disclosure [Abstract]
Parent Company Financial Information	Parent Company Financial Information TCF Financial's (parent company only) condensed statements of financial condition, income and cash flows were as follows: Condensed Statements of Financial Condition At December 31, (In thousands) 2016 2015 Assets: Cash and due from bank $ 69,711 $ 69,503 Investment in bank subsidiary 2,338,885 2,205,818 Accounts receivable from bank subsidiary 19,967 16,217 Other assets 9,476 9,216 Total assets $ 2,438,039 $ 2,300,754 Liabilities and Equity: Other liabilities $ 10,556 $ 9,838 Total liabilities 10,556 9,838 Equity 2,427,483 2,290,916 Total liabilities and equity $ 2,438,039 $ 2,300,754 Condensed Statements of Income Year Ended December 31, (In thousands) 2016 2015 2014 Interest income $ 155 $ 306 $ 365 Non-interest income: Dividends from TCF Bank 63,000 25,000 19,000 Affiliate service fees 17,657 17,281 22,461 Other 5 1,733 1,178 Total non-interest income 80,662 44,014 42,639 Non-interest expense: Compensation and employee benefits 17,578 13,905 21,193 Occupancy and equipment 370 342 338 Other 3,545 5,344 3,436 Total non-interest expense 21,493 19,591 24,967 Income before income tax benefit and equity in undistributed earnings of subsidiary 59,324 24,729 18,037 Income tax benefit 1,010 435 52 Income before equity in undistributed earnings of subsidiary 60,334 25,164 18,089 Equity in undistributed earnings of bank subsidiary 151,790 171,959 156,098 Net income 212,124 197,123 174,187 Preferred stock dividends 19,388 19,388 19,388 Net income available to common stockholders $ 192,736 $ 177,735 $ 154,799 Condensed Statements of Cash Flows Year Ended December 31, (In thousands) 2016 2015 2014 Cash flows from operating activities: Net income $ 212,124 $ 197,123 $ 174,187 Adjustments to reconcile net income to net cash provided by (used in) operating activities: Equity in undistributed earnings of bank subsidiary (151,790 ) (171,959 ) (156,098 ) Gains on sales of assets, net — (50 ) (1,177 ) Other, net 4,731 1,308 16,430 Net cash provided by (used in) operating activities 65,065 26,422 33,342 Cash flows from investing activities: Proceeds from sales of securities available for sale — — 2,813 Purchases of premises and equipment (69 ) (65 ) (260 ) Proceeds from sales of premises and equipment 22 92 91 Net cash provided by (used in) investing activities (47 ) 27 2,644 Cash flows from financing activities: Dividends paid on preferred stock (19,388 ) (19,388 ) (19,388 ) Dividends paid on common stock (50,182 ) (37,302 ) (32,731 ) Common shares sold to TCF employee benefit plans 5,838 24,835 23,083 Stock compensation tax (expense) benefit (377 ) 558 1,316 Exercise of stock options (701 ) 2,570 740 Net cash provided by (used in) financing activities (64,810 ) (28,727 ) (26,980 ) Net change in cash and due from bank 208 (2,278 ) 9,006 Cash and due from bank at beginning of period 69,503 71,781 62,775 Cash and due from bank at end of period $ 69,711 $ 69,503 $ 71,781 TCF Financial's operations are conducted through its banking subsidiary, TCF Bank. As a result, TCF's cash flow and ability to make dividend payments to its preferred and common stockholders depend on the earnings of TCF Bank. The ability of TCF Bank to pay dividends or make other payments to TCF Financial is limited by its obligation to maintain sufficient capital and by other regulatory restrictions on dividends. At December 31, 2016 , TCF Bank could pay a total of approximately $479.8 million in dividends to TCF without prior regulatory approval.

Litigation Contingencies

Litigation Contingencies	12 Months Ended
	Dec. 31, 2016
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 regulatory examinations and enforcement actions brought by federal regulators, including the Securities and Exchange Commission, the Federal Reserve, the OCC and the Consumer Financial Protection Bureau ("CFPB"), and TCF's regulatory authorities may impose sanctions on TCF for failures related to regulatory compliance. 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. Except as discussed below, 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. On January 19, 2017, the CFPB filed a civil lawsuit against TCF Bank in the United States District Court for the District of Minnesota, captioned Consumer Financial Protection Bureau v. TCF National Bank, alleging violations of the Consumer Financial Protection Act and Regulation E, §1005.17 in connection with TCF Bank's practices administering checking account overdraft program "opt-in" requirements from 2010 to early 2014. In its complaint, the CFPB seeks, among other relief, redress for consumers, injunctive relief and unspecified penalties. TCF Bank rejects the claims made by the CFPB in its complaint and intends to vigorously defend against the CFPB’s allegations. TCF has not accrued any amounts with respect to this matter because (i)TCF does not believe a loss is probable, (ii) believes the Company has meritorious defenses to the claims made and (iii) the damages sought are unspecified and uncertain. Therefore, TCF is currently unable to reasonably estimate a range of potential loss, if any, relating to this matter. There is no assurance that the ultimate resolution of this lawsuit will not have a material adverse effect on the consolidated financial position, operating results or cash flows of TCF.

Accumulated Other Comprehensive

Accumulated Other Comprehensive Income (Loss)	12 Months Ended
	Dec. 31, 2016
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 were as follows: (In thousands) Before Tax Tax Effect Net of Tax Year Ended December 31, 2016: Net unrealized gains (losses) on securities available for sale and interest-only strips: Unrealized gains (losses) arising during the period $ (32,408 ) $ 12,323 $ (20,085 ) Reclassification of net (gains) losses to net income 1,913 (722 ) 1,191 Net unrealized gains (losses) (30,495 ) 11,601 (18,894 ) Net unrealized gains (losses) on net investment hedges (1,213 ) 457 (756 ) Foreign currency translation adjustment (1) 1,300 — 1,300 Recognized postretirement prior service cost: Reclassification of net (gains) losses to net income (46 ) 17 (29 ) Total other comprehensive income (loss) $ (30,454 ) $ 12,075 $ (18,379 ) Year Ended December 31, 2015: Net unrealized gains (losses) on securities available for sale and interest-only strips: Unrealized gains (losses) arising during the period $ (2,523 ) $ 955 $ (1,568 ) Reclassification of net (gains) losses to net income 1,159 (407 ) 752 Net unrealized gains (losses) (1,364 ) 548 (816 ) Net unrealized gains (losses) on net investment hedges 7,613 (2,900 ) 4,713 Foreign currency translation adjustment (1) (8,304 ) — (8,304 ) Recognized postretirement prior service cost: Reclassification of net (gains) losses to net income (46 ) 17 (29 ) Total other comprehensive income (loss) $ (2,101 ) $ (2,335 ) $ (4,436 ) Year Ended December 31, 2014: Net unrealized gains (losses) on securities available for sale and interest-only strips: Unrealized gains (losses) arising during the period $ 29,071 $ (10,932 ) $ 18,139 Reclassification of net (gains) losses to net income (76 ) 29 (47 ) Net unrealized gains (losses) 28,995 (10,903 ) 18,092 Net unrealized gains (losses) on net investment hedges 3,126 (1,181 ) 1,945 Foreign currency translation adjustment (1) (3,704 ) — (3,704 ) Recognized postretirement prior service cost: Reclassification of net (gains) losses to net income (47 ) 17 (30 ) Total other comprehensive income (loss) $ 28,370 $ (12,067 ) $ 16,303 (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) losses to net income for securities available for sale and interest-only strips were recorded in the Consolidated Statements of Income in gains (losses) on securities, net for sales of securities, in interest income for those securities that were previously transferred to held to maturity and in other non-interest expense for interest-only strips. During 2014, TCF transferred $191.7 million of available for sale mortgage-backed securities to held to maturity. At December 31, 2016 and 2015 , the unrealized holding loss on the transferred securities retained in accumulated other comprehensive income (loss) totaled $13.0 million and $14.8 million , respectively. These amounts are amortized over the remaining lives of the transferred securities. The tax effect of these reclassifications was recorded in income tax expense in the Consolidated Statements of Income. See Note 16 , Employee Benefit Plans , for additional information regarding TCF's recognized postretirement prior service cost. The components of accumulated other comprehensive income (loss) were as follows: (In thousands) Securities Available for Sale and Interest-only Strips Net Investment Hedges Foreign Currency Translation Recognized Postretirement Prior Service Cost Total At or For the Year Ended December 31, 2016: Balance, beginning of period $ (9,707 ) $ 7,249 $ (13,064 ) $ 176 $ (15,346 ) Other comprehensive income (loss) (20,085 ) (756 ) 1,300 — (19,541 ) Amounts reclassified from accumulated other comprehensive income (loss) 1,191 — — (29 ) 1,162 Net other comprehensive income (loss) (18,894 ) (756 ) 1,300 (29 ) (18,379 ) Balance, end of period $ (28,601 ) $ 6,493 $ (11,764 ) $ 147 $ (33,725 ) At or For the Year Ended December 31, 2015: Balance, beginning of period $ (8,891 ) $ 2,536 $ (4,760 ) $ 205 $ (10,910 ) Other comprehensive income (loss) (1,568 ) 4,713 (8,304 ) — (5,159 ) Amounts reclassified from accumulated other comprehensive income (loss) 752 — — (29 ) 723 Net other comprehensive income (loss) (816 ) 4,713 (8,304 ) (29 ) (4,436 ) Balance, end of period $ (9,707 ) $ 7,249 $ (13,064 ) $ 176 $ (15,346 ) At or For the Year Ended December 31, 2014: Balance, beginning of period $ (26,983 ) $ 591 $ (1,056 ) $ 235 $ (27,213 ) Other comprehensive income (loss) 18,139 1,945 (3,704 ) — 16,380 Amounts reclassified from accumulated other comprehensive income (loss) (47 ) — — (30 ) (77 ) Net other comprehensive income (loss) 18,092 1,945 (3,704 ) (30 ) 16,303 Balance, end of period $ (8,891 ) $ 2,536 $ (4,760 ) $ 205 $ (10,910 )

Basis of Presentation (Policies

Basis of Presentation (Policies)	12 Months Ended
	Dec. 31, 2016
Accounting Policies [Abstract]
Consolidation	TCF Financial Corporation (together with its direct and indirect subsidiaries, "we," "us," "our," "TCF" or the "Company"), a Delaware corporation, is a national bank holding company based in Wayzata, Minnesota. References herein to "TCF Financial" or the "Holding Company" refer to TCF Financial Corporation on an unconsolidated basis. TCF's principal subsidiary, TCF National Bank ("TCF Bank"), is headquartered in Sioux Falls, South Dakota. All significant intercompany accounts and transactions have been eliminated in consolidation.
Basis of Presentation	The preparation of financial statements in conformity with U.S. generally accepted accounting principles ("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.
New Accounting Pronouncements	Effective January 1, 2016, the Company retrospectively adopted Accounting Standards Update ("ASU") No. 2015-03, Interest-Imputation of Interest (Subtopic 835-30): Simplifying the Presentation of Debt Issuance Costs, which required that debt issuance costs be presented as a direct deduction from debt.
Segment Reporting	Effective January 1, 2016, the Company changed its reportable segments to align with the way the Company is now managed. The revised presentation of previously reported segment data has been applied retroactively to all periods presented in these financial statements. The new reportable segments are Consumer Banking, Wholesale Banking and Enterprise Services. Previously, the Company's reportable segments were Lending, Funding and Support Services. The reportable segments follow GAAP as described below, except for the accounting for intercompany interest income and interest expense, which are eliminated in consolidation, and presenting net interest income on a fully tax-equivalent basis. See Note 22 , Business Segments for a description of the new segments.
Critical Accounting Estimates	Critical Accounting Estimates Critical accounting estimates occur in certain accounting policies and procedures and are particularly susceptible to significant change. Policies that contain critical accounting estimates include the determination of the allowance for loan and lease losses, the determination of lease classification and the determination of current and deferred income taxes.
Allowance for Loan and Lease Losses	Allowance for Loan and Lease Losses The allowance for loan and lease losses is maintained at a level appropriate to provide for probable loan and lease losses incurred in the portfolio as of the balance sheet date, including known or anticipated problem loans and leases, as well as for loans and leases which are not currently known to require specific allowances. Loans classified as troubled debt restructuring ("TDR") loans are considered impaired loans, along with non-accrual commercial loans, non-accrual equipment finance loans and non-accrual inventory finance loans. TCF individually evaluates impairment on all impaired loans and all non-accrual leases and other consumer real estate, commercial and auto finance loans specifically identified for evaluation. All other loans and leases are evaluated collectively for impairment. Loan impairment on consumer real estate TDR loans is a key component of the allowance for loan and lease losses. Impairment is generally based upon the present value of the expected future cash flows discounted at the loan's initial effective interest rate, unless the loans are collateral dependent, in which case loan impairment is based upon the fair value of the collateral less selling expenses. See Note 6 , Allowance for Loan and Lease Losses and Credit Quality Information for further information on the determination of the allowance for losses on accruing consumer real estate TDR loans. Impairment on commercial and inventory finance loans and on leasing and equipment finance loans and leases is generally based upon the present value of the expected future cash flows discounted at the initial effective interest rate of the loan or lease, unless the loan or lease is collateral dependent, in which case impairment is based upon the fair value of collateral less estimated selling costs; however, if payment or satisfaction of the loan or lease is dependent on the operation, rather than the sale of the collateral, the impairment does not include selling costs. Impairment on auto finance loans is generally based upon the fair value of collateral less estimated selling costs. The impairment for all other loans and leases is evaluated collectively by various characteristics. The collective evaluation of incurred losses in these portfolios is based upon their historical loss rates multiplied by the respective loss emergence period. Factors utilized in the determination of the amount of the allowance include historical trends in loss rates, a portfolio's overall risk characteristics, changes in its character or size, risk rating migration, delinquencies, collateral values, economic outlook and prevailing economic conditions. The various factors used in the methodologies are reviewed on a periodic basis. Loans and leases are charged off to the extent they are deemed to be uncollectible. Charge-offs related to losses are utilized in the historical data in calculating the allowance for loan and lease losses. Consumer real estate loans are charged off to the estimated fair value of the underlying collateral, less estimated selling costs, no later than 150 days past due. Additional review of the fair value, less estimated costs to sell, compared with the recorded value occurs upon foreclosure and additional charge-offs are recorded if necessary. Commercial loans, leasing and equipment finance loans and leases and inventory finance loans which are considered collateral dependent are charged off to estimated fair value, less estimated selling costs when it becomes probable, based on current information and events, that all principal and interest amounts will not be collectible in accordance with their contractual terms. Auto finance loans will be charged off in full no later than 120 days past due, unless repossession is reasonably assured and in process, in which case the loan would be charged off to the fair value of the collateral, less estimated selling costs. Consumer real estate and auto finance loans in bankruptcy status may be charged down to the fair value of the collateral, less estimated selling costs, within 60 days past due based on specific criteria. Deposit account overdrafts are reported in other loans. Net losses on uncollectible overdrafts are reported as net charge-offs in the allowance for loan and lease losses within 60 days from the date of overdraft. Loans which are not collateral dependent are charged off when deemed uncollectible based on specific facts and circumstances. The amount of the allowance for loan and lease losses significantly depends upon management's estimates of variables affecting valuation, appraisals of collateral, evaluations of performance and status and the amounts and timing of future cash flows expected to be received. Such estimates, appraisals, evaluations and cash flows may be subject to frequent adjustments due to changing economic prospects of borrowers, lessees or properties. These estimates are reviewed periodically and adjustments, if necessary, are recorded in the provision for credit losses in the periods in which they become known.
Lease Financing	Lease Financing TCF provides various types of commercial lease financing that are classified for accounting purposes as direct financing, sales-type or operating leases. Leases that transfer substantially all of the benefits and risks of ownership to the lessee are classified as direct financing or sales-type leases and are included in loans and leases. Direct financing and sales-type leases are carried at the combined present value of future minimum lease payments and lease residual values. The determination of lease classification requires various judgments and estimates by management including the fair value of the equipment at lease inception, useful life of the equipment under lease, estimate of the lease residual value and collectability of minimum lease payments. Sales-type leases generate dealer profit which is recognized at lease inception by recording lease revenue net of lease cost. Lease revenue consists of the present value of the future minimum lease payments. Lease cost consists of the leased equipment's book value, less the present value of its residual. Interest income on direct financing and sales-type leases is recognized using methods which approximate a level yield over the fixed, non-cancelable term of the lease. TCF receives pro rata rent payments for the interim period until the lease contract commences and the fixed, non-cancelable lease term begins. TCF recognizes these interim payments in the month they are earned and records the income in interest income on direct finance leases. Management has policies and procedures in place for the determination of lease classification and review of the related judgments and estimates for all lease financings. Some lease financings include a residual value component, which represents the estimated fair value of the leased equipment at the expiration of the initial term of the transaction. The estimation of residual values involves judgment regarding product and technology changes, customer behavior, shifts in supply and demand and other economic assumptions. TCF reviews residual assumptions in the portfolio at least annually and downward adjustments, if necessary, are charged to non-interest expense in the periods in which they become known.TCF may sell minimum lease payments primarily as a credit risk reduction tool to third-party financial institutions at fixed rates on a non-recourse basis with its underlying equipment as collateral. For those transactions which achieve sale treatment, the related lease cash flow stream and the non-recourse financing are derecognized. For those transactions which do not achieve sale treatment, the underlying lease remains on TCF's Consolidated Statements of Financial Condition and non-recourse debt is recorded in the amount of the proceeds received. TCF retains servicing of these leases and bills, collects and remits funds to the third-party financial institution. Upon default by the lessee, the third-party financial institutions may take control of the underlying collateral which TCF would otherwise retain as residual value. Leases that do not transfer substantially all benefits and risks of ownership to the lessee are classified as operating leases. Such leased equipment and related initial direct costs are included in other assets on the Consolidated Statements of Financial Condition and depreciated on a straight-line basis over the term of the lease to its estimated salvage value. Depreciation expense is recorded as operating lease expense and included in non-interest expense. Operating lease rental income is recognized when it is due and is reflected as a component of non-interest income. An allowance for lease losses is not provided on operating leases.
Income Taxes	Income Taxes Income taxes are accounted for using the asset and liability method. Under this method, deferred tax assets and liabilities are recognized for the future tax consequences attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax basis carrying amounts. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which those temporary differences are expected to be recovered or settled. The effect on deferred tax assets and liabilities of a change in tax rates is recorded in income tax expense in the Consolidated Statements of Income in the period in which the enactment date occurs. Also, if current period income tax rates change, the impact on the annual effective income tax rate is applied year to date in the period of enactment. The determination of current and deferred income taxes is a critical accounting estimate which is based on complex analyses of many factors, including interpretation of income tax laws, the evaluation of uncertain tax positions, differences between the tax and financial reporting bases of assets and liabilities (temporary differences), estimates of amounts due or owed, the timing of reversals of temporary differences and current financial accounting standards. Additionally, there can be no assurance that estimates and interpretations used in determining income tax assets or liabilities will not be challenged by taxing authorities. Actual results could differ significantly from the estimates and tax law interpretations used in determining the current and deferred income tax assets and liabilities. In the preparation of income tax returns, tax positions are taken based on interpretation of income tax laws for which the outcome is uncertain. Management periodically reviews and evaluates the status of uncertain tax positions and makes estimates of amounts ultimately due or owed. The benefits of tax positions are recorded in income tax expense in the Consolidated Statements of Income, net of the estimates of ultimate amounts due or owed, including any applicable interest and penalties. Changes in the estimated amounts due or owed may result from closing of the statute of limitations on tax returns, new legislation, clarification of existing legislation through government pronouncements, judicial action and through the examination process. TCF's policy is to report interest and penalties, if any, related to unrecognized tax benefits in income tax expense in the Consolidated Statements of Income.
Securities Held to Maturity	Securities Held to Maturity Securities held to maturity are carried at cost and adjusted for amortization of premiums or accretion of discounts using a level yield method; however, transfers of securities available for sale to securities held to maturity are made at fair value at the date of transfer. The unrealized holding gain or loss at the date of each transfer is retained in accumulated other comprehensive income (loss) and in the carrying value of the held to maturity investment security. Such amounts are then amortized over the remaining life of the transferred security as an adjustment of the yield on those securities. TCF periodically evaluates securities held to maturity for other than temporary impairment. Declines in value considered other than temporary, if any, would be recorded in non-interest income within gains (losses) on securities, net.
Securities Available for Sale	Securities Available for Sale Securities available for sale are carried at fair value with the unrealized gains or losses, net of related deferred income taxes, reported within accumulated other comprehensive income (loss), a separate component of equity. The cost of securities sold is determined on a specific identification basis and gains or losses on sales of securities available for sale are recognized on trade dates. TCF evaluates securities available for sale for other than temporary impairment on a quarterly basis. Declines in the value of securities available for sale that are considered other than temporary are recorded in non-interest income within gains (losses) on securities, net. Discounts and premiums on securities available for sale are amortized using a level yield method over the expected life of the security, or to the call date for securities with call features.
Loans and Leases Held for Sale	Loans and Leases Held for Sale Loans and leases designated as held for sale are generally carried at the lower of cost or fair value. Any amount by which cost exceeds fair value is initially recorded as a valuation allowance and subsequently reflected in the gain or loss on sale when sold. Certain other loans and leases held for sale are recorded at fair value under the elected fair value option. From time to time, management identifies and designates primarily consumer real estate and auto finance loans held in the loan portfolios for sale. These loans are transferred to loans and leases held for sale at the lower of cost or fair value at the time of transfer net of any associated allowance for loan and lease losses.
Loans and Leases	Loans and Leases Loans and leases are reported at historical cost including net direct fees and costs associated with originating and acquiring loans and leases. The net direct fees and costs for sales-type leases are offset against revenues recorded at the commencement of sales-type leases. Discounts and premiums on acquired loans, net direct fees and costs, unearned discounts and finance charges and unearned lease income are amortized to interest income using methods that approximate a level yield over the estimated remaining lives of the loans and leases. Net direct fees and costs on all lines of credit are amortized on a straight line basis over the contractual life of the line of credit and adjusted for payoffs. Net deferred fees and costs on consumer real estate lines of credit are amortized to fees and service charges.
Non-accrual Loans and Leases	Non-accrual Loans and Leases Loans and leases are generally placed on non-accrual status when the collection of interest or principal is 90 days or more past due unless, in the case of commercial loans, they are well secured and in the process of collection. Delinquent consumer real estate junior lien loans are placed on non-accrual status when there is evidence that the related third-party first lien mortgage may be 90 days or more past due, or foreclosure, charge-off or collection action has been initiated. TDR loans are placed on non-accrual status prior to the past due thresholds outlined above if repayment under the modified terms is not likely after performing a well-documented credit analysis. Loans on non-accrual status are generally reported as non-accrual loans until there is sustained repayment performance for six consecutive months, with the exception of loans not reaffirmed upon discharge under Chapter 7 bankruptcy, which remain on non-accrual status until a well-documented credit analysis indicates full repayment of the remaining pre-discharged contractual principal and interest is likely. Income on these loans is recognized on a cash basis when there is sustained repayment performance for six or 12 consecutive months based on the credit evaluation and the loan is not more than 60 days delinquent. Generally, when a loan or lease is placed on non-accrual status, uncollected interest accrued in prior years is charged-off against the allowance for loan and lease losses and interest accrued in the current year is reversed against interest income. For non-accrual leases that have been discounted with third-party financial institutions on a non-recourse basis, the related liability is also placed on non-accrual status. Interest payments received on loans and leases in non-accrual status are generally applied to principal unless the remaining principal balance has been determined to be fully collectible, in which case interest income is recognized on a cash basis.
Premises and Equipment	Premises and Equipment Premises and equipment, including leasehold improvements, are carried at cost and are depreciated or amortized on a straight-line basis over estimated useful lives of owned assets and for leasehold improvements over the estimated useful life of the related asset or the lease term, whichever is shorter. Maintenance and repairs are charged to expense as incurred. Rent expense for leased land with facilities is recognized in occupancy and equipment expense. Rent expense for leases with free rent periods or scheduled rent increases is recognized on a straight-line basis over the lease term.
Other Real Estate Owned and Repossessed and Returned Equipment	Other Real Estate Owned and Repossessed and Returned Assets 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 of the collateral less estimated selling costs at the time of transfer to real estate owned or 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. The fair value of repossessed and returned assets is based on available pricing guides, auction results or price opinions, less estimated selling costs. Any carrying amount in excess of the fair value less estimated selling costs is charged off to the allowance for loan and lease losses upon transfer. Subsequently, if the fair value of an asset, less the estimated costs to sell, declines to less than the carrying amount of the asset, the shortfall is recognized in the period in which it becomes known and is included in foreclosed real estate and repossessed assets, net expense. Operating expenses of properties and recoveries on sales of other real estate owned are also recorded in non-interest expense within foreclosed real estate and repossessed assets, net expense. Operating revenue from foreclosed property is included in other non-interest income. Other real estate owned at December 31, 2016 and 2015 , was $46.8 million and $50.0 million , respectively. Repossessed and returned assets at December 31, 2016 and 2015 , were $10.0 million and $8.0 million , respectively. Other real estate owned and repossessed and returned assets were written down $8.3 million and $12.8 million , which was included in foreclosed real estate and repossessed assets, net expense for the years ended December 31, 2016 and 2015 , respectively.
Investments in Affordable Housing Limited Liability Entities	Investments in Affordable Housing Limited Liability Entities TCF has investments in affordable housing limited liability entities that operate qualified affordable housing projects or that invest in other limited liability entities formed to operate affordable housing projects, which TCF generally accounts for under the proportional amortization method. However, depending on circumstances, the effective yield, equity or cost methods may be utilized. The amount of the investments, along with any unfunded equity contributions that are unconditional and legally binding, are recorded in other assets. A liability for the unfunded equity contributions is recorded in other liabilities. The tax credits and amortization of the investments are reflected in the Consolidated Statements of Income as a reduction of income tax expense. TCF's investments in affordable housing limited liability entities at December 31, 2016 and 2015 were $30.3 million and $35.2 million , respectively. At December 31, 2016 and 2015 , four and six , respectively, of these investments in affordable housing limited liability entities were considered variable interest entities ("VIE"). These limited liability entities are not consolidated with TCF. At December 31, 2016 and 2015 , the carrying amount of the VIE investments was $29.8 million and $34.7 million , respectively. The maximum exposure to loss on the VIE investments was $29.8 million and $34.7 million at December 31, 2016 and 2015 , respectively, however the limited liability entity provides various guarantees to TCF including guaranteed minimum returns. These guarantees are backed by an investment grade credit-rated company, which further reduces the risk of loss. In addition to the guarantees, the investments are supported by the performance of the underlying real estate properties which also mitigates the risk of loss. Tax credits and other tax benefits of $7.1 million , $3.9 million and $3.5 million in 2016 , 2015 and 2014 , respectively, are recorded in income tax expense. At December 31, 2016 , the expected payments for unfunded affordable housing commitments were $12.6 million . The commitments are expected to be fully funded by December 31, 2018.
Interest-only Strips	Interest-only Strips TCF sells fixed or variable-rate consumer real estate and auto finance loans with or without interest-only strips to third party financial institutions. For those transactions which achieve sale treatment, the underlying loans are removed from TCF's Consolidated Statements of Financial Condition. The Company may receive as part of the sale consideration an interest in the future cash flows of borrower loan payments, known as an interest-only strip. The interest-only strip is recorded at fair value in other assets with the unrealized gains or losses, net of deferred income taxes, reported within accumulated other comprehensive income (loss), a separate component of equity. The fair value of the interest-only strip represents the present value of future cash flows expected to be received by TCF. After initial recording of the interest-only strip, the accretable yield is measured as the difference between the initial investment, or fair value, and the cash flows expected to be collected. The accretable yield is amortized into interest income over the life of the interest-only strip using the effective yield method. The expected cash flows are evaluated quarterly to determine if they have changed from previous projections. Declines in the value of interest-only strips that are considered other than temporary are recorded in other non-interest expense.
Intangible Assets	Intangible Assets All assets and liabilities acquired in purchase acquisitions, including other intangibles, are initially recorded at fair value. Goodwill is recorded when the purchase price of an acquisition is greater than the fair value of net assets, including identifiable intangible assets. Goodwill is not amortized, but assessed for impairment on at least an annual basis at the reporting unit level. Interim impairment analysis may be required if events occur or circumstances change that would more likely than not reduce a reporting unit's fair value below its carrying amount. Other intangible assets are amortized on a straight-line or effective yield basis over their estimated useful lives and are subject to impairment if events or circumstances indicate a possible inability to realize their carrying amounts. When testing for goodwill impairment, TCF initially performs a qualitative assessment. Based on the results of this qualitative assessment, if TCF concludes it is more likely than not that a reporting unit's fair value is less than its carrying amount, a quantitative analysis is performed. Quantitative valuation methodologies primarily include discounted cash flow analysis in determining fair value of reporting units. If the fair value is less than the carrying amount, additional analysis is required to measure the amount of impairment. Impairment losses, if any, are recorded as a charge to non-interest expense and an adjustment to the carrying value of goodwill. Other intangible assets are reviewed for impairment whenever events or changes in circumstances indicate their carrying amount may not be recoverable. Impairment is indicated if the sum of the undiscounted estimated future net cash flows is less than the carrying value of the intangible asset. Impairment losses, if any, permanently reduce the carrying value of the other intangible assets.
Derivatives	Derivatives All derivative instruments are recognized within other assets or other liabilities at fair value within the Consolidated Statements of Financial Condition. The Company's derivative instruments may be subject to master netting arrangements and collateral arrangements and qualify for offset in the Consolidated Statements of Financial Condition. A master netting arrangement with a counterparty creates a right of offset for amounts due to and from that same counterparty that is enforceable in the event of a default or bankruptcy. The Company's policy is to recognize amounts subject to master netting arrangements and collateral arrangements on a net basis in 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 exposure to changes in the fair value of an asset or liability due to changes in market risk ("fair value hedge"), a hedge of the volatility of an investment in foreign operations driven by changes in foreign currency exchange rates ("net investment hedge"), or is not designated as a hedge. Fair Value Hedges During the first quarter of 2015, TCF Bank entered into an interest rate swap agreement 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 the three-month London InterBank Offered Rate 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 on the $150.0 million notional amount 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 as well as the offsetting changes in fair value of the hedged debt are reflected in other non-interest income. Net Investment Hedges Forward foreign exchange contracts, which generally settle within 34 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. 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. Derivatives Not Designated as Hedges Certain of TCF's forward foreign exchange contracts are not designated as hedges and are generally settled within 34 days. Changes in the fair value of these forward foreign exchange contracts are reflected in other non-interest expense. TCF executes interest rate swap agreements 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 other non-interest income. These contracts have original fixed maturity dates ranging from three to 10 years. TCF enters into interest rate lock commitments in conjunction with the sale of 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 gains on sales of consumer real estate loans, net. 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 other non-interest expense.
Stock-based Compensation	Stock-based Compensation The fair value of restricted stock, stock options and restricted stock units is determined on the date of grant and amortized to compensation expense, with a corresponding increase to additional paid-in capital, over the longer of the service period or performance period, but in no event beyond an employee's retirement date or date of employment termination. For performance-based restricted stock or stock units, TCF estimates the degree to which performance conditions will be met to determine the number of shares or units that will vest and the related compensation expense. Compensation expense is adjusted in the period such estimates change. Non-forfeitable dividends, if any, paid on shares of restricted stock are recorded to retained earnings for shares that are expected to vest and to compensation expense for shares that are not expected to vest. Income tax benefits related to stock compensation, where the fair value on vesting or exercise of the award exceeds the grant date value less any proceeds on exercise, are recognized as an increase to additional paid-in capital. Any income tax detriments, where the fair value on vesting or exercise of the award is less than grant date value less any proceeds on exercise, are recognized as a reduction to additional paid-in capital to the extent of previously recognized income tax benefits and then as income tax expense for any remaining amount.
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. 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.

Investments (Tables)

Investments (Tables)	12 Months Ended
	Dec. 31, 2016
Investments, All Other Investments [Abstract]
Carrying values of investments	Investments were as follows: At December 31, (In thousands) 2016 2015 Federal Home Loan Bank stock, at cost $ 37,022 $ 32,909 Federal Reserve Bank stock, at cost 37,692 37,628 Total investments $ 74,714 $ 70,537

Securities Available for Sale35

Securities Available for Sale and Securities Held to Maturity (Tables)	12 Months Ended
	Dec. 31, 2016
Investments, Debt and Equity Securities [Abstract]
Schedule of securities	Securities were as follows: At December 31, 2016 2015 (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 $ 827,722 $ 423 $ 17,254 $ 810,891 $ 627,521 $ 655 $ 6,246 $ 621,930 Other 18 — — 18 34 — — 34 Obligations of states and political subdivisions 628,972 394 16,840 612,526 262,189 4,732 — 266,921 Total securities available for sale $ 1,456,712 $ 817 $ 34,094 $ 1,423,435 $ 889,744 $ 5,387 $ 6,246 $ 888,885 Securities held to maturity: Mortgage-backed securities: U.S. Government sponsored enterprises and federal agencies $ 178,514 $ 3,072 $ 440 $ 181,146 $ 197,410 $ 5,247 $ 214 $ 202,443 Other — — — — 1,110 — — 1,110 Other securities 2,800 — — 2,800 3,400 — — 3,400 Total securities held to maturity $ 181,314 $ 3,072 $ 440 $ 183,946 $ 201,920 $ 5,247 $ 214 $ 206,953
Schedule of gross unrealized losses and fair value of securities available for sale and securities held to maturity that are in a loss position	Gross unrealized losses and fair value of securities available for sale and securities held to maturity aggregated by investment category and the length of time the securities were in a continuous loss position were as follows: At December 31, 2016 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 $ 732,724 $ 17,254 $ — $ — $ 732,724 $ 17,254 Obligations of states and political subdivisions 501,620 16,840 — — 501,620 16,840 Total securities available for sale $ 1,234,344 $ 34,094 $ — $ — $ 1,234,344 $ 34,094 Securities held to maturity: Mortgage-backed securities: U.S. Government sponsored enterprises and federal agencies $ 27,090 $ 440 $ — $ — $ 27,090 $ 440 Total securities held to maturity $ 27,090 $ 440 $ — $ — $ 27,090 $ 440 At December 31, 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 $ 552,127 $ 6,246 $ — $ — $ 552,127 $ 6,246 Total securities available for sale $ 552,127 $ 6,246 $ — $ — $ 552,127 $ 6,246 Securities held to maturity: Mortgage-backed securities: U.S. Government sponsored enterprises and federal agencies $ 12,333 $ 100 $ 1,732 $ 114 $ 14,065 $ 214 Total securities held to maturity $ 12,333 $ 100 $ 1,732 $ 114 $ 14,065 $ 214
Schedule of amortized cost and fair value of securities available for sale and securities held to maturity by contractual maturity	The amortized cost and fair value of securities available for sale and securities held to maturity by final contractual maturity were as follows. 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. At December 31, 2016 2015 (In thousands) Amortized Cost Fair Value Amortized Cost Fair Value Securities available for sale: Due in one year or less $ 1 $ 1 $ 1 $ 1 Due in 1-5 years 18 18 38 38 Due in 5-10 years 331,430 329,005 268,638 272,511 Due after 10 years 1,125,263 1,094,411 621,067 616,335 Total securities available for sale $ 1,456,712 $ 1,423,435 $ 889,744 $ 888,885 Securities held to maturity: Due in one year or less $ — $ — $ 100 $ 100 Due in 1-5 years 1,400 1,400 1,900 1,900 Due in 5-10 years 1,400 1,400 1,400 1,400 Due after 10 years 178,514 181,146 198,520 203,553 Total securities held to maturity $ 181,314 $ 183,946 $ 201,920 $ 206,953
Interest income attributable to securities available for sale	Interest income attributable to securities available for sale was as follows: Year Ended December 31, (In thousands) 2016 2015 2014 Taxable interest income $ 16,238 $ 13,930 $ 11,994 Tax-exempt interest income 10,335 1,718 — Total interest income $ 26,573 $ 15,648 $ 11,994

Loans and Leases (Tables)

Loans and Leases (Tables)	12 Months Ended
	Dec. 31, 2016
Receivables [Abstract]
Information about loans and leases	Loans and leases were as follows: At December 31, (In thousands) 2016 2015 Consumer real estate: First mortgage lien $ 2,292,596 $ 2,624,956 Junior lien 2,791,756 2,839,316 Total consumer real estate 5,084,352 5,464,272 Commercial: Commercial real estate: Permanent 2,356,287 2,267,218 Construction and development 277,904 326,211 Total commercial real estate 2,634,191 2,593,429 Commercial business 652,287 552,403 Total commercial 3,286,478 3,145,832 Leasing and equipment finance 4,336,310 4,012,248 Inventory finance 2,470,175 2,146,754 Auto finance 2,647,741 2,647,596 Other 18,771 19,297 Total loans and leases (1) $ 17,843,827 $ 17,435,999 (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 $54.1 million and $73.7 million at December 31, 2016 and 2015 , respectively.
Loan sales transaction table	The following table summarizes the recorded investment in consumer real estate and auto finance loans sold, including accrued interest, the net sales proceeds, the securitization receivable recorded, the interest-only strips received and the net gains. TCF executes securitizations, which qualify for sale accounting, by transferring the recorded investment to trusts. These trusts are considered variable interest entities due to their limited capitalization and special purpose nature. TCF has concluded it is not the primary beneficiary of the trusts and therefore, they are not consolidated. TCF retains servicing on these sold loans. No servicing assets or liabilities related to consumer real estate or auto finance 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. Year Ended December 31, 2016 (In thousands) Consumer Real Estate Loans Auto Finance Loans Auto Finance Securitizations Total Auto Finance Loans Sales proceeds, net (1) $ 1,665,507 $ 688,227 $ 1,447,113 $ 2,135,340 Securitization receivable — — 18,620 18,620 Interest-only strips, initial value 16,925 5,695 — 5,695 Recorded investment in loans sold, including accrued interest (1,630,113 ) (669,775 ) (1,453,283 ) (2,123,058 ) Net gains (2) $ 52,319 $ 24,147 $ 12,450 $ 36,597 Year Ended December 31, 2015 (In thousands) Consumer Real Estate Loans Auto Finance Loans Auto Finance Securitizations Total Auto Finance Loans Sales proceeds, net (1) $ 1,301,438 $ 225,018 $ 1,165,213 $ 1,390,231 Interest-only strips, initial value 7,495 — — — Recorded investment in loans sold, including accrued interest (1,269,108 ) (218,339 ) (1,139,701 ) (1,358,040 ) Net gains (2) $ 39,825 $ 6,679 $ 25,512 $ 32,191 Year Ended December 31, 2014 (In thousands) Consumer Real Estate Loans Auto Finance Loans Auto Finance Securitizations Total Auto Finance Loans Sales proceeds, net (1) $ 1,450,244 $ 1,098,635 $ 265,976 $ 1,364,611 Interest-only strips, initial value 10,816 17,927 — 17,927 Recorded investment in loans sold, including accrued interest (1,426,969 ) (1,079,230 ) (258,561 ) (1,337,791 ) Net gains (2) $ 34,091 $ 37,332 $ 7,415 $ 44,747 (1) Includes transaction fees and other sales related assets and liabilities. (2) Excludes subsequent adjustments and valuation adjustments while held for sale.
Interest only strips and contractual liabilites	Total interest-only strips and the contractual liabilities related to loan sales were as follows: At December 31, (In thousands) 2016 2015 Interest-only strips attributable to: Consumer real estate loan sales $ 27,260 $ 19,182 Auto finance loan sales 12,892 25,150 Contractual liabilities attributable to: Consumer real estate loan sales $ 701 $ 702 Auto finance loan sales 168 185
Schedule of future minimum lease payments receivable	Future minimum lease payments receivable for direct financing, sales-type leases and operating leases as of December 31, 2016 were as follows: (In thousands) 2017 $ 828,687 2018 631,715 2019 464,743 2020 285,663 2021 143,654 Thereafter 56,584 Total $ 2,411,046

Allowance for Loan and Lease 37

Allowance for Loan and Lease Losses and Credit Quality Information (Tables)	12 Months Ended
	Dec. 31, 2016
Allowance for Loan and Lease Losses and Credit Quality Information
Allowance for loan and lease losses and other information	The rollforwards of the allowance for loan and lease losses were as follows: At or For the Year Ended December 31, 2016 (In thousands) Consumer Commercial Leasing and Inventory Auto Other Total Balance, beginning of period $ 67,992 $ 30,185 $ 19,018 $ 11,128 $ 26,486 $ 1,245 $ 156,054 Charge-offs (18,624 ) (753 ) (7,738 ) (2,623 ) (26,994 ) (7,353 ) (64,085 ) Recoveries 7,065 373 2,386 816 3,853 4,357 18,850 Net (charge-offs) recoveries (11,559 ) (380 ) (5,352 ) (1,807 ) (23,141 ) (2,996 ) (45,235 ) Provision for credit losses 9,304 2,890 7,706 4,540 39,149 2,285 65,874 Other (6,289 ) — (22 ) 71 (10,184 ) — (16,424 ) Balance, end of period $ 59,448 $ 32,695 $ 21,350 $ 13,932 $ 32,310 $ 534 $ 160,269 At or For the Year Ended December 31, 2015 (In thousands) Consumer Commercial Leasing and Inventory Auto Other Total Balance, beginning of period $ 85,361 $ 31,367 $ 18,446 $ 10,020 $ 18,230 $ 745 $ 164,169 Charge-offs (33,687 ) (5,249 ) (7,631 ) (2,501 ) (18,386 ) (7,093 ) (74,547 ) Recoveries 7,428 3,769 2,792 1,019 2,971 5,034 23,013 Net (charge-offs) recoveries (26,259 ) (1,480 ) (4,839 ) (1,482 ) (15,415 ) (2,059 ) (51,534 ) Provision for credit losses 12,697 298 5,411 3,036 28,943 2,559 52,944 Other (3,807 ) — — (446 ) (5,272 ) — (9,525 ) Balance, end of period $ 67,992 $ 30,185 $ 19,018 $ 11,128 $ 26,486 $ 1,245 $ 156,054 At or For the Year Ended December 31, 2014 (In thousands) Consumer Commercial Leasing and Inventory Auto Other Total Balance, beginning of period $ 176,030 $ 37,467 $ 18,733 $ 8,592 $ 10,623 $ 785 $ 252,230 Charge-offs (63,126 ) (8,657 ) (7,316 ) (1,653 ) (11,856 ) (8,359 ) (100,967 ) Recoveries 6,867 2,887 3,705 826 1,491 5,860 21,636 Net (charge-offs) recoveries (56,259 ) (5,770 ) (3,611 ) (827 ) (10,365 ) (2,499 ) (79,331 ) Provision for credit losses 63,973 (259 ) 3,324 2,498 23,742 2,459 95,737 Other (1) (98,383 ) (71 ) — (243 ) (5,770 ) — (104,467 ) Balance, end of period $ 85,361 $ 31,367 $ 18,446 $ 10,020 $ 18,230 $ 745 $ 164,169 (1) Included in Other for consumer real estate is the transfer of $95.3 million , comprised of $77.0 million of previously established allowance for loan and lease losses and an additional $18.3 million of write-downs arising from the transfer to loans held for sale in conjunction with the TDR loan sale.
Allowance for loan and lease losses and balances by type of allowance methodology	The allowance for loan and lease losses and loans and leases outstanding by type of allowance methodology was as follows: At December 31, 2016 (In thousands) Consumer Commercial Leasing and Inventory Auto Other Total Allowance for loan and lease losses: Collectively evaluated for impairment $ 36,103 $ 31,430 $ 19,093 $ 13,304 $ 31,106 $ 533 $ 131,569 Individually evaluated for impairment 23,345 1,265 2,257 628 1,204 1 28,700 Total $ 59,448 $ 32,695 $ 21,350 $ 13,932 $ 32,310 $ 534 $ 160,269 Loans and leases outstanding: Collectively evaluated for impairment $ 4,884,653 $ 3,242,389 $ 4,320,129 $ 2,465,041 $ 2,638,380 $ 18,765 $ 17,569,357 Individually evaluated for impairment 199,699 44,089 16,165 5,134 9,360 6 274,453 Loans acquired with deteriorated credit quality — — 16 — 1 — 17 Total $ 5,084,352 $ 3,286,478 $ 4,336,310 $ 2,470,175 $ 2,647,741 $ 18,771 $ 17,843,827 At December 31, 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 $ 38,819 $ 30,170 $ 16,994 $ 10,929 $ 23,471 $ 1,243 $ 121,626 Individually evaluated for impairment 29,173 15 2,024 199 3,015 2 34,428 Total $ 67,992 $ 30,185 $ 19,018 $ 11,128 $ 26,486 $ 1,245 $ 156,054 Loans and leases outstanding: Collectively evaluated for impairment $ 5,248,829 $ 3,092,398 $ 3,997,544 $ 2,145,605 $ 2,637,269 $ 19,286 $ 17,140,931 Individually evaluated for impairment 215,443 53,434 14,669 1,149 10,308 11 295,014 Loans acquired with deteriorated credit quality — — 35 — 19 — 54 Total $ 5,464,272 $ 3,145,832 $ 4,012,248 $ 2,146,754 $ 2,647,596 $ 19,297 $ 17,435,999
Information regarding accruing and non-accruing 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. TCF's accruing and non-accrual loans and leases were as follows: At December 31, 2016 (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 $ 2,177,746 $ 6,581 $ 2,144 $ 2,186,471 $ 106,125 $ 2,292,596 Junior lien 2,744,006 1,404 — 2,745,410 46,346 2,791,756 Total consumer real estate 4,921,752 7,985 2,144 4,931,881 152,471 5,084,352 Commercial: Commercial real estate 2,628,627 — — 2,628,627 5,564 2,634,191 Commercial business 651,932 — — 651,932 355 652,287 Total commercial 3,280,559 — — 3,280,559 5,919 3,286,478 Leasing and equipment finance 4,320,795 3,478 1,045 4,325,318 10,880 4,336,198 Inventory finance 2,464,986 16 39 2,465,041 5,134 2,470,175 Auto finance 2,634,600 3,785 2,317 2,640,702 7,038 2,647,740 Other 18,748 14 6 18,768 3 18,771 Subtotal 17,641,440 15,278 5,551 17,662,269 181,445 17,843,714 Portfolios acquired with deteriorated credit quality 113 — — 113 — 113 Total $ 17,641,553 $ 15,278 $ 5,551 $ 17,662,382 $ 181,445 $ 17,843,827 At December 31, 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 $ 2,489,235 $ 8,649 $ 2,916 $ 2,500,800 $ 124,156 $ 2,624,956 Junior lien 2,793,684 1,481 38 2,795,203 44,113 2,839,316 Total consumer real estate 5,282,919 10,130 2,954 5,296,003 168,269 5,464,272 Commercial: Commercial real estate 2,586,692 — — 2,586,692 6,737 2,593,429 Commercial business 548,814 1 — 548,815 3,588 552,403 Total commercial 3,135,506 1 — 3,135,507 10,325 3,145,832 Leasing and equipment finance 3,998,469 1,728 564 4,000,761 11,262 4,012,023 Inventory finance 2,145,538 87 31 2,145,656 1,098 2,146,754 Auto finance 2,634,496 2,343 1,230 2,638,069 9,509 2,647,578 Other 19,274 13 7 19,294 3 19,297 Subtotal 17,216,202 14,302 4,786 17,235,290 200,466 17,435,756 Portfolios acquired with deteriorated credit quality 242 1 — 243 — 243 Total $ 17,216,444 $ 14,303 $ 4,786 $ 17,235,533 $ 200,466 $ 17,435,999
Interest income recognized on loans and leases in non-accrual status and contractual interest	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 were as follows: Year Ended December 31, (In thousands) 2016 2015 2014 Contractual interest due on non-accrual loans and leases $ 20,604 $ 21,459 $ 26,584 Interest income recognized on non-accrual loans and leases 4,152 4,305 9,359 Unrecognized interest income $ 16,452 $ 17,154 $ 17,225
Summary of consumer real estate loans to customers in bankruptcy	Consumer real estate loans to customers currently involved in ongoing Chapter 7 or Chapter 13 bankruptcy proceedings which have not yet been discharged, dismissed or completed were as follows: At December 31, (In thousands) 2016 2015 Consumer real estate loans to customers in bankruptcy: 0-59 days delinquent and accruing $ 13,675 $ 26,020 Non-accrual 21,372 20,264 Total consumer real estate loans to customers in bankruptcy $ 35,047 $ 46,284
Schedule of accruing loans that were restructured within 12 months and defaulted	TCF considers a loan to have defaulted when under the modified terms it becomes 90 or more days delinquent, has been transferred to non-accrual status, has been charged down or has been transferred to other real estate owned or repossessed and returned assets. TDR loans that defaulted during 2016 , 2015 and 2014 , which were modified during the respective reporting period or within one year of the beginning of the respective reporting period were as follows: Year Ended December 31, (In thousands) 2016 2015 2014 Loan balance: (1) Consumer real estate: First mortgage lien $ 8,193 $ 1,674 $ 1,969 Junior lien 1,630 821 1,364 Total consumer real estate 9,823 2,495 3,333 Commercial: Commercial real estate — — 3,895 Commercial business — — 127 Total commercial — — 4,022 Leasing and equipment finance — 45 — Auto finance 1,693 1,039 392 Defaulted TDR loans modified during the applicable period $ 11,516 $ 3,579 $ 7,747 (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	Information on impaired loans was as follows: At December 31, 2016 2015 (In thousands) Unpaid Loan Related Unpaid Loan Related Impaired loans with an allowance recorded: Consumer real estate: First mortgage lien $ 122,704 $ 104,601 $ 16,835 $ 145,749 $ 123,728 $ 20,880 Junior lien 62,481 51,410 5,829 70,122 58,366 6,837 Total consumer real estate 185,185 156,011 22,664 215,871 182,094 27,717 Commercial: Commercial real estate 10,083 10,075 1,262 298 298 12 Commercial business 14 14 3 16 16 3 Total commercial 10,097 10,089 1,265 314 314 15 Leasing and equipment finance 9,900 9,900 1,044 7,259 7,259 822 Inventory finance 4,357 4,365 628 867 873 199 Auto finance 5,801 5,419 1,126 8,275 8,062 2,942 Other 6 6 1 21 11 2 Total impaired loans with an allowance recorded 215,346 185,790 26,728 232,607 198,613 31,697 Impaired loans without an allowance recorded: Consumer real estate: First mortgage lien 18,539 12,674 — 7,100 3,228 — Junior lien 26,915 1,882 — 26,031 520 — Total consumer real estate 45,454 14,556 — 33,131 3,748 — Commercial: Commercial real estate 21,601 15,780 — 37,598 31,157 — Commercial business 354 354 — 3,738 3,585 — Total commercial 21,955 16,134 — 41,336 34,742 — Inventory finance 767 769 — 274 276 — Auto finance 3,919 2,408 — 2,003 1,177 — Other 85 — — 2 — — Total impaired loans without an allowance recorded 72,180 33,867 — 76,746 39,943 — Total impaired loans $ 287,526 $ 219,657 $ 26,728 $ 309,353 $ 238,556 $ 31,697
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 were as follows: Year Ended December 31, 2016 2015 2014 (In thousands) 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 $ 114,164 $ 3,597 $ 112,698 $ 5,438 $ 311,458 $ 14,715 Junior lien 54,888 2,606 56,885 3,353 63,977 3,492 Total consumer real estate 169,052 6,203 169,583 8,791 375,435 18,207 Commercial: Commercial real estate 5,186 353 27,355 852 63,099 2,349 Commercial business 15 — 17 — 2,199 — Total commercial 5,201 353 27,372 852 65,298 2,349 Leasing and equipment finance 8,579 40 7,758 18 8,247 58 Inventory finance 2,619 56 1,315 76 4,249 97 Auto finance 6,741 112 5,495 22 1,617 — Other 9 — 50 2 92 7 Total impaired loans with an allowance recorded 192,201 6,764 211,573 9,761 454,938 20,718 Impaired loans without an allowance recorded: Consumer real estate: First mortgage lien 7,951 449 19,188 1,045 39,086 2,321 Junior lien 1,201 672 3,959 1,817 5,852 1,285 Total consumer real estate 9,152 1,121 23,147 2,862 44,938 3,606 Commercial: Commercial real estate 23,468 743 40,828 1,957 65,167 2,973 Commercial business 1,970 — 2,033 5 2,946 94 Total commercial 25,438 743 42,861 1,962 68,113 3,067 Inventory finance 523 95 564 114 426 126 Auto finance 1,792 — 962 — 455 — Total impaired loans without an allowance recorded 36,905 1,959 67,534 4,938 113,932 6,799 Total impaired loans $ 229,106 $ 8,723 $ 279,107 $ 14,699 $ 568,870 $ 27,517

Premises and Equipment (Tables)

Premises and Equipment (Tables)	12 Months Ended
	Dec. 31, 2016
Property, Plant and Equipment [Abstract]
Schedule of premises and equipment	Premises and equipment were as follows: At December 31, (In thousands) 2016 2015 Land $ 144,221 $ 152,034 Office buildings 271,597 281,462 Leasehold improvements 50,796 56,243 Furniture and equipment 341,621 315,869 Subtotal 808,235 805,608 Less: Accumulated depreciation and amortization 389,863 359,674 Total $ 418,372 $ 445,934
Schedule of future minimum rental payments for operating leases	At December 31, 2016 , the total future minimum rental payments for operating leases of premises and equipment were as follows: (In thousands) 2017 $ 28,264 2018 28,595 2019 26,481 2020 22,211 2021 15,642 Thereafter 70,738 Total $ 191,931

Goodwill and Other Intangibles

Goodwill and Other Intangibles (Tables)	12 Months Ended
	Dec. 31, 2016
Goodwill and Intangible Assets Disclosure [Abstract]
Schedule of goodwill and other intangible assets	Goodwill and other intangible assets were as follows: At December 31, 2016 2015 (In thousands) Gross Amount Accumulated Amortization Net Amount Gross Amount Accumulated Amortization Net Amount Amortizable intangible assets: Deposit base intangibles $ 3,049 $ 2,069 $ 980 $ 3,049 $ 1,817 $ 1,232 Customer base intangibles 2,730 2,002 728 2,730 1,709 1,021 Non-compete agreement 4,590 4,590 — 4,590 3,757 833 Tradename 300 300 — 300 300 — Total $ 10,669 $ 8,961 $ 1,708 $ 10,669 $ 7,583 $ 3,086 Unamortizable intangible assets: Goodwill related to consumer banking segment $ 214,286 $ 214,286 $ 214,286 $ 214,286 Goodwill related to wholesale banking segment 11,354 11,354 11,354 11,354 Total $ 225,640 $ 225,640 $ 225,640 $ 225,640

Deposits (Tables)

Deposits (Tables)	12 Months Ended
	Dec. 31, 2016
Deposits [Abstract]
Summary of deposits	Deposits were as follows: At December 31, 2016 2015 (Dollars in thousands) Weighted-average Rate Amount % of Total Weighted-average Rate Amount % of Checking: Non-interest bearing — % $ 3,454,962 20.0 % — % $ 3,187,581 19.1 % Interest bearing 0.01 2,554,189 14.9 0.02 2,502,978 14.9 Total checking 0.01 6,009,151 34.9 0.01 5,690,559 34.0 Savings 0.03 4,719,481 27.4 0.06 4,717,457 28.2 Money market 0.61 2,421,467 14.0 0.63 2,408,180 14.5 Certificates of deposit 1.06 4,092,423 23.7 0.91 3,903,793 23.3 Total deposits 0.36 $ 17,242,522 100.0 % 0.30 $ 16,719,989 100.0 %
Schedule of annual maturities of certificates of deposit	Annual maturities for certificates of deposit at December 31, 2016 were as follows: (In thousands) 2017 $ 3,392,044 2018 643,552 2019 18,859 2020 13,867 2021 10,196 Thereafter 13,905 Total $ 4,092,423

Short-term Borrowings (Tables)

Short-term Borrowings (Tables)	12 Months Ended
	Dec. 31, 2016
Debt Disclosure [Abstract]
Schedule of selected information for short-term borrowings (borrowings with an original maturity of one year or less)	Selected information for short-term borrowings (borrowings with an original maturity of less than one year) was as follows: At December 31, 2016 2015 2014 (Dollars in thousands) Amount Rate Amount Rate Amount Rate Period end balance: Securities sold under repurchase agreements $ 2,159 0.10 % $ 5,381 0.03 % $ 4,425 0.10 % Line of Credit - TCF Commercial Finance Canada, Inc. 2,232 1.75 — — — — Total $ 4,391 0.94 $ 5,381 0.03 $ 4,425 0.10 Average daily balances for the period ended: Federal Home Loan Bank advances $ — — % $ — — % $ 74,385 0.26 % Federal funds purchased 156 0.71 225 0.45 375 0.40 Securities sold under repurchase agreements 5,235 0.41 16,431 0.06 5,956 0.18 Line of Credit - TCF Commercial Finance Canada, Inc. 1,660 1.75 2,166 1.96 2,957 1.88 Total $ 7,051 0.73 $ 18,822 0.28 $ 83,673 0.31 Maximum month-end balances for the period ended: Federal Home Loan Bank advances $ — N.A. $ — N.A. $ 250,000 N.A. Securities sold under repurchase agreements 3,391 N.A. 62,995 N.A. 4,425 N.A. Line of Credit - TCF Commercial Finance Canada, Inc. 5,907 N.A. 5,519 N.A. 11,751 N.A. N.A. Not Applicable.

Long-term Borrowings (Tables)

Long-term Borrowings (Tables)	12 Months Ended
	Dec. 31, 2016
Debt Disclosure [Abstract]
Information about long-term borrowings	Long-term borrowings were as follows: At December 31, 2016 2015 (Dollars in thousands) Stated Maturity Amount Stated Rate Amount Stated Rate Federal Home Loan Bank advances 2016 $ — — % $ 447,000 0.54 % - 1.17 % 2017 — — 125,000 0.49 - 0.51 2018 375,000 0.72 % - 0.81 — — 2019 300,000 0.78 - 0.81 — — Subtotal 675,000 572,000 Subordinated bank notes 2016 — — 74,992 5.50 2022 108,654 6.25 108,454 6.25 2025 148,052 4.60 147,861 4.60 Hedge-related basis adjustment (1) (1,349 ) (209 ) Subtotal 255,357 331,098 Discounted lease rentals 2016 — — 48,120 2.39 - 7.95 2017 57,081 2.45 - 7.88 41,969 2.45 - 7.88 2018 42,132 2.55 - 7.95 24,496 2.55 - 7.95 2019 24,671 2.53 - 6.00 9,329 2.53 - 6.00 2020 11,753 2.64 - 6.90 2,035 2.95 - 5.15 2021 4,423 2.88 - 4.57 83 4.57 Subtotal 140,060 126,032 Other long-term borrowings 2016 — — 2,685 1.36 2017 2,764 1.36 2,742 1.36 Subtotal 2,764 5,427 Total long-term borrowings $ 1,073,181 $ 1,034,557 (1) Related to subordinated bank notes with a stated maturity of 2025 at December 31, 2016 .

Income Taxes (Tables)

Income Taxes (Tables)	12 Months Ended
	Dec. 31, 2016
Income Tax Disclosure [Abstract]
Schedule of components of provision for income taxes	Applicable income taxes in the Consolidated Statements of Income were as follows: (In thousands) Current Deferred Total Year ended December 31, 2016: Federal $ 66,810 $ 28,629 $ 95,439 State 11,402 4,425 15,827 Foreign 5,350 (88 ) 5,262 Total $ 83,562 $ 32,966 $ 116,528 Year ended December 31, 2015: Federal $ 73,579 $ 16,141 $ 89,720 State 9,255 4,637 13,892 Foreign 5,252 8 5,260 Total $ 88,086 $ 20,786 $ 108,872 Year ended December 31, 2014: Federal $ 55,062 $ 26,308 $ 81,370 State 2,087 11,147 13,234 Foreign 5,185 (23 ) 5,162 Total $ 62,334 $ 37,432 $ 99,766
Schedule of effective income tax rate that differed from the statutory federal income tax rate	Reconciliations to TCF's effective income tax rate from the statutory federal income tax rate of 35.00% were as follows: Year Ended December 31, 2016 2015 2014 Federal income tax rate 35.00 % 35.00 % 35.00 % Increase (decrease) resulting from: State income tax, net of federal income tax 3.04 2.87 3.06 Tax-exempt income (2.07 ) (0.93 ) (0.76 ) Non-controlling interest tax effect (0.99 ) (0.97 ) (0.92 ) Foreign tax effects (0.50 ) (0.53 ) (0.58 ) Other, net (0.03 ) (0.84 ) (0.34 ) Effective income tax rate 34.45 % 34.60 % 35.46 %
Schedule of reconciliation of the changes in unrecognized tax benefits	Reconciliations of the changes in unrecognized tax benefits were as follows: At or For the Year Ended December 31, (In thousands) 2016 2015 2014 Balance, beginning of period $ 4,249 $ 4,649 $ 4,704 Increases for tax positions related to the current year 546 323 468 Increases for tax positions related to prior years 627 — 8 Decreases for tax positions related to prior years (84 ) (157 ) (350 ) Settlements with taxing authorities (525 ) (425 ) — Decreases related to lapses of applicable statutes of limitation (123 ) (141 ) (181 ) Balance, end of period $ 4,690 $ 4,249 $ 4,649
Schedule of significant components of the Company's deferred tax assets and deferred tax liabilities	TCF's deferred tax assets and deferred tax liabilities were as follows: At December 31, (In thousands) 2016 2015 Deferred tax assets: Allowance for loan and lease losses $ 75,976 $ 74,858 Stock compensation and deferred compensation plans 41,105 37,913 Securities available for sale 17,606 5,945 Net operating losses 11,924 10,735 Accrued expense 3,730 5,228 Non-accrual interest 2,140 4,250 Other 3,408 3,437 Deferred tax assets 155,889 142,366 Valuation allowance (10,377 ) (7,515 ) Total deferred tax assets, net of valuation allowance 145,512 134,851 Deferred tax liabilities: Lease financing 348,933 320,374 Premises and equipment 32,430 28,657 Loan fees and discounts 17,017 19,220 Prepaid expenses 11,245 10,936 Goodwill and other intangibles 3,870 4,105 Other 7,375 6,026 Total deferred tax liabilities 420,870 389,318 Net deferred tax liabilities $ 275,358 $ 254,467

Equity (Tables)

Equity (Tables)	12 Months Ended
	Dec. 31, 2016
Equity [Abstract]
Treasury stock and other	Treasury stock and other were as follows: At December 31, (In thousands) 2016 2015 Treasury stock, at cost $ (1,102 ) $ (1,102 ) Shares held in trust for deferred compensation plans, at cost (48,317 ) (49,758 ) Total $ (49,419 ) $ (50,860 )

Regulatory Capital Requiremen45

Regulatory Capital Requirements (Tables)	12 Months Ended
	Dec. 31, 2016
Regulatory Capital Requirements [Abstract]
Schedule of regulatory capital information for TCF and TCF Bank	Regulatory capital information for TCF and TCF Bank was as follows: TCF TCF Bank At December 31, At December 31, (Dollars in thousands) 2016 2015 2016 2015 Well-capitalized Standard Minimum Capital Requirement (1) Regulatory Capital: Common equity Tier 1 capital $ 1,970,323 $ 1,814,442 $ 2,144,966 $ 1,992,584 Tier 1 capital 2,248,221 2,092,195 2,162,128 2,008,585 Total capital 2,635,925 2,487,060 2,583,512 2,425,682 Regulatory Capital Ratios: Common equity Tier 1 capital ratio 10.24 % 10.00 % 11.14 % 10.99 % 6.50 % 4.50 % Tier 1 risk-based capital ratio 11.68 11.54 11.23 11.07 8.00 6.00 Total risk-based capital ratio 13.69 13.71 13.42 13.37 10.00 8.00 Tier 1 leverage ratio 10.73 10.46 10.32 10.04 5.00 4.00 (1) Excludes capital conservation buffer of 0.625% as of December 31, 2016 .

Stock Compensation (Tables)

Stock Compensation (Tables)	12 Months Ended
	Dec. 31, 2016
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
Schedule of Information Related to Restricted Stock Awards	Information about restricted stock awards was as follows: At or For the Year Ended December 31, (Dollars in thousands) 2016 2015 2014 Unrecognized stock compensation expense $ 24,925 $ 25,919 $ 22,532 Weighted-average amortization (years) 1.6 2.1 2.6
Schedule of Compensation Cost for Restricted Stock Units and Restricted Stock Awards	Compensation expense for restricted stock awards and restricted stock units was as follows: Year Ended December 31, (In thousands) 2016 2015 2014 Compensation expense $ 8,715 $ 5,931 $ 8,690 Tax benefit recognized for stock compensation expense 3,103 2,127 3,424
Schedule of Valuation Assumptions for Stock Option Plans	The valuation assumptions for stock options granted in 2008 under the Incentive Stock Program were as follows: Expected volatility 28.5 % Weighted-average volatility 28.5 % Expected dividend yield 3.5 % Expected term (years) 6.25 - 6.75 Risk-free interest rate 2.58 % - 2.91 %
Restricted Stock Award and Stock Option Transactions under the Company Financial Incentive Stock Program	TCF's restricted stock award and stock option transactions since December 31, 2013 under the Omnibus Incentive Plan and the Incentive Stock Program were as follows: Restricted Stock Awards 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, 2013 3,355,295 $ 6.16 - $ 15.17 $ 11.09 1,626,000 $ 12.85 - $ 15.75 4.36 $ 13.97 Granted 1,120,750 13.84 - 16.02 15.61 — — - — — — Exercised — — - — — (47,000 ) 15.75 - 15.75 — 15.75 Forfeited/canceled (108,490 ) 6.80 - 15.79 13.06 — — - — — — Vested (1,509,061 ) 8.35 - 14.90 11.21 — — - — — — 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 786,933 12.86 - 16.28 14.45 — — - — — — Exercised — — - — — (200,000 ) 12.85 - 12.85 — 12.85 Forfeited/canceled (156,332 ) 6.80 - 15.96 13.20 — — - — — — Vested (216,009 ) 9.65 - 15.96 13.16 — — - — — — Outstanding at December 31, 2015 3,273,086 6.16 - 16.28 13.09 1,379,000 12.85 - 15.75 2.17 14.07 Granted 899,000 9.48 - 13.24 12.13 — — - — — — Exercised — — - — — (857,000 ) 12.85 - 15.75 — 13.04 Forfeited/canceled (230,486 ) 6.16 - 15.96 13.59 (118,000 ) 15.75 - 15.75 — 15.75 Vested (405,425 ) 9.65 - 15.96 13.10 — — - — — — Outstanding at December 31, 2016 3,536,175 7.73 - 16.28 12.81 404,000 15.75 - 15.75 1.06 15.75 Exercisable at December 31, 2016 N.A. N.A. 404,000 15.75 - 15.75 15.75 N.A. Not Applicable.

Employee Benefit Plans (Tables)

Employee Benefit Plans (Tables)	12 Months Ended
	Dec. 31, 2016
Compensation and Retirement Disclosure [Abstract]
Schedule of defined benefit plans disclosures	The funded statuses of the Pension Plan and the Postretirement Plan were as follows: Pension Plan Postretirement Plan Year Ended December 31, (In thousands) 2016 2015 2016 2015 Change in projected benefit obligation: Benefit obligation, beginning of period $ 35,953 $ 39,490 $ 4,570 $ 4,984 Interest cost on projected benefit obligation 1,281 1,216 151 154 Actuarial (gain) loss (625 ) (1,436 ) (211 ) (173 ) Benefits paid (3,435 ) (3,317 ) (346 ) (395 ) Projected benefit obligation, end of period 33,174 35,953 4,164 4,570 Change in fair value of plan assets: Fair value of plan assets, beginning of period 40,914 44,678 — — Actual gain (loss) on plan assets 1,898 (447 ) — — Benefits paid (3,435 ) (3,317 ) (346 ) (395 ) TCF contributions — — 346 395 Fair value of plan assets, end of period 39,377 40,914 — — Funded status of plans, end of period $ 6,203 $ 4,961 $ (4,164 ) $ (4,570 ) Amounts recognized in the Consolidated Statements of Financial Condition: Prepaid (accrued) benefit cost, end of period $ 6,203 $ 4,961 $ (4,164 ) $ (4,570 ) Prior service cost included in accumulated other comprehensive income (loss) — — (239 ) (285 ) Total recognized asset (liability) $ 6,203 $ 4,961 $ (4,403 ) $ (4,855 )
Schedule of allocation of plan assets	The balances of TCF's Pension Plan investments measured at fair value on a recurring basis were as follows: Pension Plan Year Ended December 31, (In thousands) 2016 2015 Level 1: Fixed income mutual funds $ 26,121 $ 25,323 Money market mutual funds 2,430 3,406 Cash 65 87 Level 2: Mortgage-backed securities 5,766 7,339 Pension plan investments not classified in fair value hierarchy: Collective investment fund 4,989 4,729 Total Pension Plan assets held in trust $ 39,371 $ 40,884
Schedule of amounts recognized in accumulated other comprehensive income (loss)	The changes recognized in accumulated other comprehensive income (loss) attributable to the Postretirement Plan were as follows: Postretirement Plan Year Ended December 31, (In thousands) 2016 2015 2014 Accumulated other comprehensive income (loss) before tax, beginning of period $ (285 ) $ (331 ) $ (378 ) Amortization of prior service credit (recognized in net periodic benefit cost) 46 46 47 Accumulated other comprehensive income (loss) before tax, end of period $ (239 ) $ (285 ) $ (331 )
Schedule of net periodic benefit cost included in compensation and employee benefits expense for cash balance Pension Plan and Postretirement Plan	The net periodic benefit plan (income) cost included in compensation and employee benefits expense for the Pension Plan and the Postretirement Plan was as follows: Pension Plan Year Ended December 31, (In thousands) 2016 2015 2014 Interest cost $ 1,281 $ 1,216 $ 1,587 (Gain) loss on plan assets (1,898 ) 447 511 Recognized actuarial (gain) loss (625 ) (1,436 ) 1,862 Net periodic benefit plan (income) cost $ (1,242 ) $ 227 $ 3,960 Postretirement Plan Year Ended December 31, (In thousands) 2016 2015 2014 Interest cost $ 151 $ 154 $ 198 Recognized actuarial (gain) loss (211 ) (173 ) (63 ) Amortization of prior service cost (46 ) (46 ) (47 ) Net periodic benefit plan (income) cost $ (106 ) $ (65 ) $ 88
Schedule of assumptions used	The assumptions used to determine the estimated benefit plan obligation for the Pension Plan and Postretirement Plan were as follows: Pension Plan Postretirement Plan Year Ended December 31, Year Ended December 31, 2016 2015 2016 2015 Discount rate 3.60 % 3.75 % 3.40 % 3.50 % Health care cost trend rate assumed for next year N.A. N.A. 5.8 5.9 Final health care cost trend rate N.A. N.A. 4.5 4.5 Year that final health care trend rate is reached N.A. N.A. 2038 2038 N.A. Not Applicable. The assumptions used to determine the estimated net benefit plan costs for the Pension Plan and Postretirement Plan were as follows: Pension Plan Postretirement Plan Year Ended December 31, Year Ended December 31, 2016 2015 2014 2016 2015 2014 Discount rate 3.75 % 3.25 % 4.00 % 3.50 % 3.25 % 4.00 % Expected long-term rate of return on plan assets 1.50 1.50 1.50 N.A. N.A. N.A. N.A. Not Applicable.
Schedule of effect of 1% change in assumed health care cost trend rates	Assumed health care cost trend rates have an effect on the amounts reported for the Postretirement Plan. A 1.0% change in assumed health care cost trend rates would have the following effect: 1-Percentage-Point (In thousands) Increase Decrease Effect on total service and interest cost components $ 5 $ (5 ) Effect on postretirement benefit obligations 145 (133 )
Schedule of expected benefit payments	The expected future benefit payments used to determine projected benefit obligations were as follows: (In thousands) Pension Plan Postretirement Plan 2017 $ 3,111 $ 496 2018 3,110 471 2019 3,128 444 2020 2,980 418 2021 2,317 391 2022 - 2026 10,518 1,564

Financial Instruments with Of48

Financial Instruments with Off-Balance Sheet Risk (Tables)	12 Months Ended
	Dec. 31, 2016
Financial Instruments with Off-Balance Sheet Risk
Summary of financial instruments with off-balance sheet risk	Financial instruments with off-balance sheet risk were as follows: At December 31, (In thousands) 2016 2015 Commitments to extend credit: Consumer real estate and other $ 1,425,585 $ 1,402,088 Commercial 898,809 639,465 Leasing and equipment finance 125,648 128,259 Total commitments to extend credit 2,450,042 2,169,812 Standby letters of credit and guarantees on industrial revenue bonds 8,782 9,178 Total $ 2,458,824 $ 2,178,990

Derivative Instruments (Tables)

Derivative Instruments (Tables)	12 Months Ended
	Dec. 31, 2016
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Summary of derivative instruments	Derivative instruments were as follows: At December 31, 2016 (In thousands) Notional Amount Gross Amounts Recognized Gross Amounts Offset Net Amount Presented Derivative Assets: Derivatives designated as hedges: Forward foreign exchange contracts $ 61,760 $ 1,082 $ — $ 1,082 Derivatives not designated as hedges: Forward foreign exchange contracts 250,018 2,995 (1,439 ) 1,556 Interest rate contracts 149,499 1,925 (633 ) 1,292 Interest rate lock commitments 27,954 318 — 318 Total derivative assets $ 6,320 $ (2,072 ) $ 4,248 Derivative Liabilities: Derivatives designated as hedges: Interest rate contracts $ 150,000 $ 1,320 $ (1,320 ) $ — Derivatives not designated as hedges: Forward foreign exchange contracts 115,336 469 (445 ) 24 Interest rate contracts 149,499 1,936 (1,332 ) 604 Other contracts 13,804 619 (619 ) — Interest rate lock commitments 2,947 21 — 21 Total derivative liabilities $ 4,365 $ (3,716 ) $ 649 At December 31, 2015 (In thousands) Notional Amount Gross Amounts Recognized Gross Amounts Offset Net Amount Presented Derivative Assets: Derivatives designated as hedges: Forward foreign exchange contracts $ 47,409 $ 858 $ — $ 858 Derivatives not designated as hedges: Forward foreign exchange contracts 260,678 5,057 (2,081 ) 2,976 Interest rate contracts 111,347 2,093 — 2,093 Interest rate lock commitments 50,667 729 — 729 Total derivative assets $ 8,737 $ (2,081 ) $ 6,656 Derivative Liabilities: Derivatives designated as hedges: Interest rate contracts $ 150,000 $ 142 $ (142 ) $ — Derivatives not designated as hedges: Forward foreign exchange contracts 187,902 1,192 (1,081 ) 111 Interest rate contracts 111,347 2,175 (2,175 ) — Other contracts 13,804 305 (305 ) — Interest rate lock commitments 3,218 13 — 13 Total derivative liabilities $ 3,827 $ (3,703 ) $ 124
Schedule of pre-tax impact of derivative activity	The pre-tax impact of derivative activity within the Consolidated Statements of Income and the Consolidated Statements of Comprehensive Income was as follows: Year Ended December 31, (In thousands) Income Statement Location 2016 2015 2014 Consolidated Statements of Income Fair value hedges: Interest rate contracts Other non-interest income $ (1,178 ) $ (142 ) $ — Non-derivative hedged items Other non-interest income 1,140 209 — Not designated as hedges: Forward foreign exchange contracts Other non-interest expense (13,689 ) 74,292 38,752 Interest rate lock commitments Gains on sales of consumer real estate loans, net (419 ) 431 285 Interest rate contracts Other non-interest income 71 4 (79 ) Other contracts Other non-interest expense (629 ) — — Net gain (loss) recognized $ (14,704 ) $ 74,794 $ 38,958 Consolidated Statements of Comprehensive Income Net investment hedges: Forward foreign exchange contracts Other comprehensive income (loss) $ (1,213 ) $ 7,613 $ 3,126 Net unrealized gain (loss) $ (1,213 ) $ 7,613 $ 3,126

Fair Values Disclosures (Tables

Fair Values Disclosures (Tables)	12 Months Ended
	Dec. 31, 2016
Fair Value Disclosures [Abstract]
Balances of assets and liabilities measured at fair value on a recurring and non-recurring basis	The balances of assets and liabilities measured at fair value on a recurring and non-recurring basis were as follows: Fair Value Measurements at December 31, 2016 (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 $ — $ 810,891 $ — $ 810,891 Other — — 18 18 Obligations of states and political subdivisions — 612,526 — 612,526 Loans and leases held for sale — — 6,498 6,498 Interest-only strips — — 40,152 40,152 Forward foreign exchange contracts (1) — 4,077 — 4,077 Interest rate contracts (1) — 1,925 — 1,925 Interest rate lock commitments (1) — — 318 318 Forward loan sales commitments — — 374 374 Assets held in trust for deferred compensation plans 23,363 — — 23,363 Total assets $ 23,363 $ 1,429,419 $ 47,360 $ 1,500,142 Forward foreign exchange contracts (1) $ — $ 469 $ — $ 469 Interest rate contracts (1) — 3,256 — 3,256 Interest rate lock commitments (1) — — 21 21 Forward loan sales commitments — — 13 13 Liabilities held in trust for deferred compensation plans 23,363 — — 23,363 Other contracts (1) — — 619 619 Total liabilities $ 23,363 $ 3,725 $ 653 $ 27,741 Non-recurring Fair Value Measurements: Securities held to maturity $ — $ — $ 2,400 $ 2,400 Loans — — 113,954 113,954 Other real estate owned: Consumer — — 25,751 25,751 Commercial — — 3,874 3,874 Repossessed and returned assets — 2,767 2,800 5,567 Total non-recurring fair value measurements $ — $ 2,767 $ 148,779 $ 151,546 (1) As permitted under GAAP, TCF has elected to net derivative assets and derivative liabilities 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 assets and derivative liabilities are presented gross of this netting adjustment. Fair Value Measurements at December 31, 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 $ — $ 621,930 $ — $ 621,930 Other — — 34 34 Obligations of states and political subdivisions — 266,921 — 266,921 Loans and leases held for sale — — 10,568 10,568 Interest-only strips — — 44,332 44,332 Forward foreign exchange contracts (1) — 5,915 — 5,915 Interest rate contracts (1) — 2,093 — 2,093 Interest rate lock commitments (1) — — 729 729 Forward loan sales commitments — — 284 284 Assets held in trust for deferred compensation plans 19,731 — — 19,731 Total assets $ 19,731 $ 896,859 $ 55,947 $ 972,537 Forward foreign exchange contracts (1) $ — $ 1,192 $ — $ 1,192 Interest rate contracts (1) — 2,317 — 2,317 Interest rate lock commitments (1) — — 13 13 Forward loan sales commitments — — 19 19 Liabilities held in trust for deferred compensation plans 19,731 — — 19,731 Other contracts (1) — — 305 305 Total liabilities $ 19,731 $ 3,509 $ 337 $ 23,577 Non-recurring Fair Value Measurements: Securities held to maturity $ — $ — $ 1,110 $ 1,110 Loans — — 130,797 130,797 Other real estate owned: Consumer — — 37,619 37,619 Commercial — — 5,249 5,249 Repossessed and returned assets — 2,673 2,197 4,870 Total non-recurring fair value measurements $ — $ 2,673 $ 176,972 $ 179,645 (1) As permitted under GAAP, TCF has elected to net derivative assets and derivative liabilities 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 assets and derivative liabilities 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 changes in Level 3 assets and liabilities measured at fair value on a recurring basis were as follows: (In thousands) Securities Available for Sale Loans and Leases Held for Sale Interest-only Strips Interest Rate Lock Commitments Forward Loan Sales Commitments Other Contracts Asset (liability) balance, December 31, 2013 $ 93 $ — $ 84,561 $ — $ — $ (899 ) Total net gains (losses) included in: Net income — 72 6,836 285 (23 ) (47 ) Sales — (39,246 ) — — — — Originations — 42,482 28,743 — — — Principal paydowns / settlements (38 ) — (50,351 ) — — 325 Asset (liability) balance, December 31, 2014 55 3,308 69,789 285 (23 ) (621 ) Total net gains (losses) included in: Net income — (68 ) 6,960 431 288 — Sales — (289,751 ) — — — — Originations — 297,079 7,495 — — — Principal paydowns / settlements (21 ) — (39,912 ) — — 316 Asset (liability) balance, December 31, 2015 34 10,568 44,332 716 265 (305 ) Total net gains (losses) included in: Net income — (48 ) 2,980 (419 ) 96 (629 ) Other comprehensive income (loss) — — 159 — — — Sales — (343,949 ) — — — — Originations — 339,930 22,620 — — — Principal paydowns / settlements (16 ) (3 ) (29,939 ) — — 315 Asset (liability) balance, December 31, 2016 $ 18 $ 6,498 $ 40,152 $ 297 $ 361 $ (619 )
Schedule of reconciliation of the assets measured at fair value on a recurring basis	The changes in Level 3 assets and liabilities measured at fair value on a recurring basis were as follows: (In thousands) Securities Available for Sale Loans and Leases Held for Sale Interest-only Strips Interest Rate Lock Commitments Forward Loan Sales Commitments Other Contracts Asset (liability) balance, December 31, 2013 $ 93 $ — $ 84,561 $ — $ — $ (899 ) Total net gains (losses) included in: Net income — 72 6,836 285 (23 ) (47 ) Sales — (39,246 ) — — — — Originations — 42,482 28,743 — — — Principal paydowns / settlements (38 ) — (50,351 ) — — 325 Asset (liability) balance, December 31, 2014 55 3,308 69,789 285 (23 ) (621 ) Total net gains (losses) included in: Net income — (68 ) 6,960 431 288 — Sales — (289,751 ) — — — — Originations — 297,079 7,495 — — — Principal paydowns / settlements (21 ) — (39,912 ) — — 316 Asset (liability) balance, December 31, 2015 34 10,568 44,332 716 265 (305 ) Total net gains (losses) included in: Net income — (48 ) 2,980 (419 ) 96 (629 ) Other comprehensive income (loss) — — 159 — — — Sales — (343,949 ) — — — — Originations — 339,930 22,620 — — — Principal paydowns / settlements (16 ) (3 ) (29,939 ) — — 315 Asset (liability) balance, December 31, 2016 $ 18 $ 6,498 $ 40,152 $ 297 $ 361 $ (619 )
Fair value, option, quantitative disclosures	At December 31, (In thousands) 2016 2015 Fair value carrying amount $ 6,498 $ 10,568 Aggregate unpaid principal amount 6,563 10,547 Fair value carrying amount less aggregate unpaid principal $ (65 ) $ 21
Fair value of assets and liabilities, including hierarchy level	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 were as follows. 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 December 31, 2016 (In thousands) Level 1 Level 2 Level 3 Total Financial instrument assets: Investments $ 74,714 $ — $ 74,714 $ — $ 74,714 Securities held to maturity 181,314 — 181,146 2,800 183,946 Loans and leases held for sale 268,832 — — 282,786 282,786 Loans: Consumer real estate 5,084,352 — — 5,165,062 5,165,062 Commercial real estate 2,634,191 — — 2,583,775 2,583,775 Commercial business 652,287 — — 631,215 631,215 Equipment finance 2,016,732 — — 1,983,237 1,983,237 Inventory finance 2,470,175 — — 2,453,184 2,453,184 Auto finance 2,647,741 — — 2,656,266 2,656,266 Other 18,771 — — 17,780 17,780 Allowance for loan losses (1) (160,269 ) — — — — Securitization receivable (2) 18,835 — — 18,835 18,835 Total financial instrument assets $ 15,907,675 $ — $ 255,860 $ 15,794,940 $ 16,050,800 Financial instrument liabilities: Deposits $ 17,242,522 $ 13,150,099 $ 4,112,685 $ — $ 17,262,784 Long-term borrowings 1,073,181 — 1,073,875 2,764 1,076,639 Total financial instrument liabilities $ 18,315,703 $ 13,150,099 $ 5,186,560 $ 2,764 $ 18,339,423 Financial instruments with off-balance sheet risk: (3) Commitments to extend credit $ 21,681 $ — $ 21,681 $ — $ 21,681 Standby letters of credit (29 ) — (29 ) — (29 ) Total financial instruments with off-balance sheet risk $ 21,652 $ — $ 21,652 $ — $ 21,652 (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, 2015 (In thousands) Level 1 Level 2 Level 3 Total Financial instrument assets: Investments $ 70,537 $ — $ 70,537 $ — $ 70,537 Securities held to maturity 201,920 — 202,443 4,510 206,953 Loans and leases held for sale 157,625 — — 165,387 165,387 Loans: Consumer real estate 5,464,272 — — 5,543,273 5,543,273 Commercial real estate 2,593,429 — — 2,556,018 2,556,018 Commercial business 552,403 — — 531,274 531,274 Equipment finance 1,909,672 — — 1,888,664 1,888,664 Inventory finance 2,146,754 — — 2,132,435 2,132,435 Auto finance 2,647,596 — — 2,650,429 2,650,429 Other 19,297 — — 14,699 14,699 Allowance for loan losses (1) (156,054 ) — — — — Total financial instrument assets $ 15,607,451 $ — $ 272,980 $ 15,486,689 $ 15,759,669 Financial instrument liabilities: Deposits $ 16,719,989 $ 12,816,196 $ 3,927,434 $ — $ 16,743,630 Long-term borrowings 1,034,557 — 1,035,846 5,427 1,041,273 Total financial instrument liabilities $ 17,754,546 $ 12,816,196 $ 4,963,280 $ 5,427 $ 17,784,903 Financial instruments with off-balance sheet risk: (2) Commitments to extend credit $ 23,937 $ — $ 23,937 $ — $ 23,937 Standby letters of credit (35 ) — (35 ) — (35 ) Total financial instruments with off-balance sheet risk $ 23,902 $ — $ 23,902 $ — $ 23,902 (1) Expected credit losses are included in the estimated fair values. (2) Positive amounts represent assets, negative amounts represent liabilities.

Earnings Per Common Share (Tabl

Earnings Per Common Share (Tables)	12 Months Ended
	Dec. 31, 2016
Earnings Per Share [Abstract]
Computation of basic and diluted earnings per common share	The computations of basic and diluted earnings per common share were as follows: Year Ended December 31, (Dollars in thousands, except per-share data) 2016 2015 2014 Basic Earnings Per Common Share: Net income available to common stockholders $ 192,736 $ 177,735 $ 154,799 Earnings allocated to participating securities 49 45 40 Earnings allocated to common stock $ 192,687 $ 177,690 $ 154,759 Weighted-average common shares outstanding for basic earnings per common share 167,219,964 165,696,678 163,581,435 Basic earnings per common share $ 1.15 $ 1.07 $ 0.95 Diluted Earnings Per Common Share: Earnings allocated to common stock $ 192,687 $ 177,690 $ 154,759 Weighted-average common shares outstanding used in basic earnings per common share calculation 167,219,964 165,696,678 163,581,435 Net dilutive effect of: Non-participating restricted stock 505,162 335,193 250,499 Stock options 82,325 210,049 252,892 Weighted-average common shares outstanding for diluted earnings per common share 167,807,451 166,241,920 164,084,826 Diluted earnings per common share $ 1.15 $ 1.07 $ 0.94

Other Expense (Tables)

Other Expense (Tables)	12 Months Ended
	Dec. 31, 2016
Other Income and Expenses [Abstract]
Other Expense	Other expense was as follows: Year Ended December 31, (In thousands) 2016 2015 2014 Loan and lease processing $ 26,193 $ 24,641 $ 20,294 Advertising and marketing 22,264 22,782 22,943 Professional fees 19,335 19,615 18,949 FDIC insurance 15,912 20,262 25,123 Card processing and issuance cost 15,856 16,591 16,588 Outside processing 15,313 14,332 13,288 Other 116,547 111,032 110,785 Total other expense $ 231,420 $ 229,255 $ 227,970

Business Segments (Tables)

Business Segments (Tables)	12 Months Ended
	Dec. 31, 2016
Segment Reporting [Abstract]
Reportable segments, including a reconciliation of consolidated totals	Certain information for each of TCF's reportable segments, including reconciliations of TCF's consolidated totals, was as follows: (In thousands) Consumer Banking Wholesale Banking Enterprise Services Consolidated At or For the Year Ended December 31, 2016: Net interest income $ 559,851 $ 343,653 $ (55,398 ) $ 848,106 Provision for credit losses 50,819 15,055 — 65,874 Non-interest income 336,991 128,881 28 465,900 Non-interest expense 652,460 247,115 10,312 909,887 Income tax expense (benefit) 69,523 70,805 (23,800 ) 116,528 Income (loss) after income tax expense (benefit) 124,040 139,559 (41,882 ) 221,717 Income attributable to non-controlling interest — 9,593 — 9,593 Preferred stock dividends — — 19,388 19,388 Net income (loss) available to common stockholders $ 124,040 $ 129,966 $ (61,270 ) $ 192,736 Total assets $ 8,671,126 $ 10,379,951 $ 2,390,249 $ 21,441,326 Revenues from external customers: Interest income $ 443,959 $ 452,882 $ 33,889 $ 930,730 Non-interest income 336,991 128,881 28 465,900 Total $ 780,950 $ 581,763 $ 33,917 $ 1,396,630 At or For the Year Ended December 31, 2015: Net interest income $ 536,714 $ 339,934 $ (56,260 ) $ 820,388 Provision for credit losses 44,328 8,616 — 52,944 Non-interest income 320,399 119,779 1,820 441,998 Non-interest expense 645,939 244,921 3,887 894,747 Income tax expense (benefit) 61,384 70,127 (22,639 ) 108,872 Income (loss) after income tax expense (benefit) 105,462 136,049 (35,688 ) 205,823 Income attributable to non-controlling interest — 8,700 — 8,700 Preferred stock dividends — — 19,388 19,388 Net income (loss) available to common stockholders $ 105,462 $ 127,349 $ (55,076 ) $ 177,735 Total assets $ 8,954,807 $ 9,558,406 $ 2,176,396 $ 20,689,609 Revenues from external customers: Interest income $ 434,674 $ 431,764 $ 25,492 $ 891,930 Non-interest income 320,399 119,779 1,820 441,998 Total $ 755,073 $ 551,543 $ 27,312 $ 1,333,928 At or For the Year Ended December 31, 2014: Net interest income $ 511,663 $ 326,291 $ (22,325 ) $ 815,629 Provision for credit losses 89,895 5,842 — 95,737 Non-interest income 326,048 105,624 1,595 433,267 Non-interest expense 619,526 237,221 15,030 871,777 Income tax expense (benefit) 47,906 66,475 (14,615 ) 99,766 Income (loss) after income tax expense (benefit) 80,384 122,377 (21,145 ) 181,616 Income attributable to non-controlling interest — 7,429 — 7,429 Preferred stock dividends — — 19,388 19,388 Net income (loss) available to common stockholders $ 80,384 $ 114,948 $ (40,533 ) $ 154,799 Total assets $ 8,443,343 $ 8,969,814 $ 1,980,499 $ 19,393,656 Revenues from external customers: Interest income $ 433,954 $ 418,064 $ 22,211 $ 874,229 Non-interest income 326,048 105,624 1,595 433,267 Total $ 760,002 $ 523,688 $ 23,806 $ 1,307,496

Parent Company Financial Info54

Parent Company Financial Information (Tables)	12 Months Ended
	Dec. 31, 2016
Condensed Financial Information of Parent Company Only Disclosure [Abstract]
Schedule of condensed statements of financial position	Condensed Statements of Financial Condition At December 31, (In thousands) 2016 2015 Assets: Cash and due from bank $ 69,711 $ 69,503 Investment in bank subsidiary 2,338,885 2,205,818 Accounts receivable from bank subsidiary 19,967 16,217 Other assets 9,476 9,216 Total assets $ 2,438,039 $ 2,300,754 Liabilities and Equity: Other liabilities $ 10,556 $ 9,838 Total liabilities 10,556 9,838 Equity 2,427,483 2,290,916 Total liabilities and equity $ 2,438,039 $ 2,300,754
Schedule of Condensed Statements of Income	Condensed Statements of Income Year Ended December 31, (In thousands) 2016 2015 2014 Interest income $ 155 $ 306 $ 365 Non-interest income: Dividends from TCF Bank 63,000 25,000 19,000 Affiliate service fees 17,657 17,281 22,461 Other 5 1,733 1,178 Total non-interest income 80,662 44,014 42,639 Non-interest expense: Compensation and employee benefits 17,578 13,905 21,193 Occupancy and equipment 370 342 338 Other 3,545 5,344 3,436 Total non-interest expense 21,493 19,591 24,967 Income before income tax benefit and equity in undistributed earnings of subsidiary 59,324 24,729 18,037 Income tax benefit 1,010 435 52 Income before equity in undistributed earnings of subsidiary 60,334 25,164 18,089 Equity in undistributed earnings of bank subsidiary 151,790 171,959 156,098 Net income 212,124 197,123 174,187 Preferred stock dividends 19,388 19,388 19,388 Net income available to common stockholders $ 192,736 $ 177,735 $ 154,799
Schedule of condensed statements of cash flows	Condensed Statements of Cash Flows Year Ended December 31, (In thousands) 2016 2015 2014 Cash flows from operating activities: Net income $ 212,124 $ 197,123 $ 174,187 Adjustments to reconcile net income to net cash provided by (used in) operating activities: Equity in undistributed earnings of bank subsidiary (151,790 ) (171,959 ) (156,098 ) Gains on sales of assets, net — (50 ) (1,177 ) Other, net 4,731 1,308 16,430 Net cash provided by (used in) operating activities 65,065 26,422 33,342 Cash flows from investing activities: Proceeds from sales of securities available for sale — — 2,813 Purchases of premises and equipment (69 ) (65 ) (260 ) Proceeds from sales of premises and equipment 22 92 91 Net cash provided by (used in) investing activities (47 ) 27 2,644 Cash flows from financing activities: Dividends paid on preferred stock (19,388 ) (19,388 ) (19,388 ) Dividends paid on common stock (50,182 ) (37,302 ) (32,731 ) Common shares sold to TCF employee benefit plans 5,838 24,835 23,083 Stock compensation tax (expense) benefit (377 ) 558 1,316 Exercise of stock options (701 ) 2,570 740 Net cash provided by (used in) financing activities (64,810 ) (28,727 ) (26,980 ) Net change in cash and due from bank 208 (2,278 ) 9,006 Cash and due from bank at beginning of period 69,503 71,781 62,775 Cash and due from bank at end of period $ 69,711 $ 69,503 $ 71,781

Accumulated Other Comprehensi55

Accumulated Other Comprehensive Income (Loss) (Tables)	12 Months Ended
	Dec. 31, 2016
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 were as follows: (In thousands) Before Tax Tax Effect Net of Tax Year Ended December 31, 2016: Net unrealized gains (losses) on securities available for sale and interest-only strips: Unrealized gains (losses) arising during the period $ (32,408 ) $ 12,323 $ (20,085 ) Reclassification of net (gains) losses to net income 1,913 (722 ) 1,191 Net unrealized gains (losses) (30,495 ) 11,601 (18,894 ) Net unrealized gains (losses) on net investment hedges (1,213 ) 457 (756 ) Foreign currency translation adjustment (1) 1,300 — 1,300 Recognized postretirement prior service cost: Reclassification of net (gains) losses to net income (46 ) 17 (29 ) Total other comprehensive income (loss) $ (30,454 ) $ 12,075 $ (18,379 ) Year Ended December 31, 2015: Net unrealized gains (losses) on securities available for sale and interest-only strips: Unrealized gains (losses) arising during the period $ (2,523 ) $ 955 $ (1,568 ) Reclassification of net (gains) losses to net income 1,159 (407 ) 752 Net unrealized gains (losses) (1,364 ) 548 (816 ) Net unrealized gains (losses) on net investment hedges 7,613 (2,900 ) 4,713 Foreign currency translation adjustment (1) (8,304 ) — (8,304 ) Recognized postretirement prior service cost: Reclassification of net (gains) losses to net income (46 ) 17 (29 ) Total other comprehensive income (loss) $ (2,101 ) $ (2,335 ) $ (4,436 ) Year Ended December 31, 2014: Net unrealized gains (losses) on securities available for sale and interest-only strips: Unrealized gains (losses) arising during the period $ 29,071 $ (10,932 ) $ 18,139 Reclassification of net (gains) losses to net income (76 ) 29 (47 ) Net unrealized gains (losses) 28,995 (10,903 ) 18,092 Net unrealized gains (losses) on net investment hedges 3,126 (1,181 ) 1,945 Foreign currency translation adjustment (1) (3,704 ) — (3,704 ) Recognized postretirement prior service cost: Reclassification of net (gains) losses to net income (47 ) 17 (30 ) Total other comprehensive income (loss) $ 28,370 $ (12,067 ) $ 16,303 (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	The components of accumulated other comprehensive income (loss) were as follows: (In thousands) Securities Available for Sale and Interest-only Strips Net Investment Hedges Foreign Currency Translation Recognized Postretirement Prior Service Cost Total At or For the Year Ended December 31, 2016: Balance, beginning of period $ (9,707 ) $ 7,249 $ (13,064 ) $ 176 $ (15,346 ) Other comprehensive income (loss) (20,085 ) (756 ) 1,300 — (19,541 ) Amounts reclassified from accumulated other comprehensive income (loss) 1,191 — — (29 ) 1,162 Net other comprehensive income (loss) (18,894 ) (756 ) 1,300 (29 ) (18,379 ) Balance, end of period $ (28,601 ) $ 6,493 $ (11,764 ) $ 147 $ (33,725 ) At or For the Year Ended December 31, 2015: Balance, beginning of period $ (8,891 ) $ 2,536 $ (4,760 ) $ 205 $ (10,910 ) Other comprehensive income (loss) (1,568 ) 4,713 (8,304 ) — (5,159 ) Amounts reclassified from accumulated other comprehensive income (loss) 752 — — (29 ) 723 Net other comprehensive income (loss) (816 ) 4,713 (8,304 ) (29 ) (4,436 ) Balance, end of period $ (9,707 ) $ 7,249 $ (13,064 ) $ 176 $ (15,346 ) At or For the Year Ended December 31, 2014: Balance, beginning of period $ (26,983 ) $ 591 $ (1,056 ) $ 235 $ (27,213 ) Other comprehensive income (loss) 18,139 1,945 (3,704 ) — 16,380 Amounts reclassified from accumulated other comprehensive income (loss) (47 ) — — (30 ) (77 ) Net other comprehensive income (loss) 18,092 1,945 (3,704 ) (30 ) 16,303 Balance, end of period $ (8,891 ) $ 2,536 $ (4,760 ) $ 205 $ (10,910 )

Basis of Presentation (Details)

Basis of Presentation (Details) - Accounting Standards Update 2015-03 $ in Millions	Dec. 31, 2015USD ($)
Long-term borrowings
New Accounting Pronoucements or Change in Accounting Principle
Reclassification of unamortized debt issuance costs	$ (2.1)
Other assets
New Accounting Pronoucements or Change in Accounting Principle
Reclassification of unamortized debt issuance costs	$ 2.1

Basis of Presentation (Details

Basis of Presentation (Details 2) $ in Thousands	12 Months Ended
	Dec. 31, 2016USD ($)Integer	Dec. 31, 2015USD ($)Integer	Dec. 31, 2014USD ($)
Other Real Estate Owned
Other Real Estate Owned	$ 46,800	$ 50,000
Repossessed and Returned Equipment	10,000	8,000
Investments in Affordable Housing Limited Liability Entities
Investments in Affordable Housing Limited Liability Entities	$ 30,300	$ 35,200
Variable Interest Entity Number of Investments | Integer	4	6
Variable Interest Entity Nonconsolidated Carrying Amount Investments	$ 29,800	$ 34,700
Variable Interest Entity, Reporting Entity Involvement, Maximum Loss Exposure, Amount	29,800	34,700
Affordable Housing Tax Credits and Other Tax Benefits, Amount	(7,100)	(3,900)	$ (3,500)
Qualified Affordable Housing Project Investments, Commitment	$ 12,600
Net Investment Hedges
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Maximum Remaining Maturity of Foreign Currency Derivatives	34 days
Fair Value, Measurements, Nonrecurring
Other Real Estate Owned
Asset impairment charges	$ 8,300	12,800
Designated as Hedges | Interest rate contracts
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Derivative Liability, Notional Amount	$ 150,000	150,000
Derivative, Fixed Interest Rate	4.60%
Not Designated as Hedges | Interest rate contracts
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Derivative Liability, Notional Amount	$ 149,499	111,347
Not Designated as Hedges | Forward foreign exchange contracts
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Maximum Remaining Maturity of Foreign Currency Derivatives	34 days
Not Designated as Hedges | Interest rate lock commitments
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Derivative Liability, Notional Amount	$ 2,947	$ 3,218
Minimum
Non-accrual Loans and Leases
Past Due of Interest and Principal for Loans and leases to be Placed on Nonaccrual Status	90 days
Past Due of Interest and Principal for Third Party Consumer First Mortgage Lien to be Placed on Nonaccrual Status	90 days
Sustained Repayment Performance Period Until when Loans and Leases are to be Reported as Nonaccrual Loans	6 months
Sustained Repayment Performance Period Until when Income on Loans and Leases are Recognized on Cash Basis	6 months
Minimum | Not Designated as Hedges | Interest rate swap
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Derivative, Term of Contract	3 years
Maximum
Allowance for Loan and Lease Losses
Number of days past due to be considered to charge off consumer real estate loans	150 days
Number of days past due to be considered to charge off auto finance loans in full	120 days
Number of days from date of overdraft to report net losses on uncollectible overdrafts as net charge offs in allowance for loan and lease losses	60 days
Number of days past due to be considered to charge off uncollectible overdrafts	60 days
Non-accrual Loans and Leases
Sustained Repayment Performance Period Until when Income on Loans and Leases are Recognized on Cash Basis	12 months
Number of Days Delinquent Until when Income on Loans and Leases are Recognized on Cash Basis	60 days
Maximum | Interest rate lock commitments
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Derivative, Remaining Maturity	60 days
Maximum | Not Designated as Hedges | Interest rate swap
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Derivative, Term of Contract	10 years

Cash and Due from Banks (Detail

Cash and Due from Banks (Details) - USD ($) $ in Millions	Dec. 31, 2016	Dec. 31, 2015
Cash and Cash Equivalents [Abstract]
Reserve in cash on hand or at the Federal Reserve as required by Federal Reserve regulations	$ 103.7	$ 101.6
Total restricted cash balance	51.3	58.3
Cash held in interest-bearing accounts	$ 326.5	$ 609.5

Investments (Details)

Investments (Details) - USD ($)	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Investments, All Other Investments [Abstract]
Federal Home Loan Bank stock, at cost	$ 37,022,000	$ 32,909,000
Federal Reserve Bank stock, at cost	37,692,000	37,628,000
Total investments	74,714,000	70,537,000
Impairment charges on investments	$ 0	$ 0	$ 0
Yield on investments, no stated maturity (as a percent)	2.59%	4.41%

Securities Available for Sale60

Securities Available for Sale and Securities Held to Maturity (Details) - USD ($)	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Securities available for sale:
Amortized Cost	$ 1,456,712,000	$ 889,744,000
Gross Unrealized Gains	817,000	5,387,000
Gross Unrealized Losses	34,094,000	6,246,000
Fair Value	1,423,435,000	888,885,000
Gross gains recognized on sales of securities	0		$ 1,200,000
Available-for-sale securities sold during period		200,000
Proceeds from sales of securities available for sale	0	177,000	2,813,000
Impairment charges on available for sale securities	0	0	0
Securities held to maturity:
Amortized Cost	181,314,000	201,920,000
Gross Unrealized Gains	3,072,000	5,247,000
Gross Unrealized Losses	440,000	214,000
Fair Value	183,946,000	206,953,000
Impairment charge on held to maturity securities	700,000	300,000	$ 100,000
Mortgage-backed securities:
Securities available for sale:
Securities available for sale pledged as collateral	7,500,000	17,100,000
U.S. Government sponsored enterprises and federal agencies
Securities available for sale:
Amortized Cost	827,722,000	627,521,000
Gross Unrealized Gains	423,000	655,000
Gross Unrealized Losses	17,254,000	6,246,000
Fair Value	810,891,000	621,930,000
Securities held to maturity:
Amortized Cost	178,514,000	197,410,000
Gross Unrealized Gains	3,072,000	5,247,000
Gross Unrealized Losses	440,000	214,000
Fair Value	181,146,000	202,443,000
Mortgage-backed securities, Other
Securities available for sale:
Amortized Cost	18,000	34,000
Gross Unrealized Gains	0	0
Gross Unrealized Losses	0	0
Fair Value	18,000	34,000
Securities held to maturity:
Amortized Cost	0	1,110,000
Gross Unrealized Gains	0	0
Gross Unrealized Losses	0	0
Fair Value	0	1,110,000
Obligations of states and political subdivisions
Securities available for sale:
Amortized Cost	628,972,000	262,189,000
Gross Unrealized Gains	394,000	4,732,000
Gross Unrealized Losses	16,840,000	0
Fair Value	612,526,000	266,921,000
Other securities
Securities held to maturity:
Amortized Cost	2,800,000	3,400,000
Gross Unrealized Gains	0	0
Gross Unrealized Losses	0	0
Fair Value	$ 2,800,000	$ 3,400,000

Securities Available for Sale61

Securities Available for Sale and Securities Held to Maturity (Details 2) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
Gross unrealized losses and fair value of securities available for sale that is in a loss position
Less than 12 months, Fair Value	$ 1,234,344	$ 552,127
Less than 12 months, Unrealized Losses	34,094	6,246
12 months or more, Fair Value	0	0
12 months or more, Unrealized Losses	0	0
Total, fair value	1,234,344	552,127
Total, Unrealized Losses	34,094	6,246
Gross unrealized losses and fair value of securities held to maturity that is in a loss position
Less than 12 months, Fair Value	27,090	12,333
Less than 12 months, Unrealized Losses	440	100
12 months or more, Fair Value	0	1,732
12 months or more, Unrealized Losses	0	114
Total, fair value	27,090	14,065
Total, Unrealized Losses	440	214
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	732,724	552,127
Less than 12 months, Unrealized Losses	17,254	6,246
12 months or more, Fair Value	0	0
12 months or more, Unrealized Losses	0	0
Total, fair value	732,724	552,127
Total, Unrealized Losses	17,254	6,246
Gross unrealized losses and fair value of securities held to maturity that is in a loss position
Less than 12 months, Fair Value	27,090	12,333
Less than 12 months, Unrealized Losses	440	100
12 months or more, Fair Value	0	1,732
12 months or more, Unrealized Losses	0	114
Total, fair value	27,090	14,065
Total, Unrealized Losses	440	$ 214
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	501,620
Less than 12 months, Unrealized Losses	16,840
12 months or more, Fair Value	0
12 months or more, Unrealized Losses	0
Total, fair value	501,620
Total, Unrealized Losses	$ 16,840

Securities Available for Sale62

Securities Available for Sale and Securities Held to Maturity (Details 3) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
Amortized cost, securities available for sale
Due in one year or less	$ 1	$ 1
Due in 1-5 years	18	38
Due in 5-10 years	331,430	268,638
Due after 10 years	1,125,263	621,067
Amortized Cost	1,456,712	889,744
Fair value, securities available for sale
Due in one year or less	1	1
Due in 1-5 years	18	38
Due in 5-10 years	329,005	272,511
Due after 10 years	1,094,411	616,335
Fair Value	1,423,435	888,885
Amortized cost, securities held to maturity
Due in one year or less	0	100
Due in 1-5 years	1,400	1,900
Due in 5-10 years	1,400	1,400
Due after 10 years	178,514	198,520
Amortized Cost	181,314	201,920
Fair value, securities held to maturity
Due in one year or less	0	100
Due in 1-5 years	1,400	1,900
Due in 5-10 years	1,400	1,400
Due after 10	181,146	203,553
Fair Value	$ 183,946	$ 206,953

Securities Available for Sale63

Securities Available for Sale and Securities Held to Maturity (Details 4) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Interest Income on Securities Available For Sale by Taxable Status
Securities available for sale	$ 26,573	$ 15,648	$ 11,994
Securities available for sale
Interest Income on Securities Available For Sale by Taxable Status
Taxable interest income	16,238	13,930	11,994
Tax-exempt interest income	10,335	1,718	0
Securities available for sale	$ 26,573	$ 15,648	$ 11,994

Loans and Leases (Details)

Loans and Leases (Details) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
Loans and Leases Receivable Disclosure [Line Items]
Loans and leases	$ 17,843,827	$ 17,435,999
Loan and lease adjustments	54,100	73,700
Direct financing, sales-type leases and operating leases, Future minimum payments receivable, Fiscal year maturity [Abstract]
2,017	828,687
2,018	631,715
2,019	464,743
2,020	285,663
2,021	143,654
Thereafter	56,584
Total	2,411,046
Consumer real estate
Loans and Leases Receivable Disclosure [Line Items]
Loans and leases	5,084,352	5,464,272
Commercial
Loans and Leases Receivable Disclosure [Line Items]
Loans and leases	3,286,478	3,145,832
Commercial | Commercial real estate [Member]
Loans and Leases Receivable Disclosure [Line Items]
Loans and leases	2,634,191	2,593,429
Commercial | Permanent
Loans and Leases Receivable Disclosure [Line Items]
Loans and leases	2,356,287	2,267,218
Commercial | Construction and development
Loans and Leases Receivable Disclosure [Line Items]
Loans and leases	277,904	326,211
Commercial | Commercial business
Loans and Leases Receivable Disclosure [Line Items]
Loans and leases	652,287	552,403
Leasing and equipment finance
Loans and Leases Receivable Disclosure [Line Items]
Loans and leases	4,336,310	4,012,248
Inventory finance
Loans and Leases Receivable Disclosure [Line Items]
Loans and leases	2,470,175	2,146,754
Auto finance
Loans and Leases Receivable Disclosure [Line Items]
Loans and leases	2,647,741	2,647,596
Other
Loans and Leases Receivable Disclosure [Line Items]
Loans and leases	18,771	19,297
First mortgage lien | Consumer real estate
Loans and Leases Receivable Disclosure [Line Items]
Loans and leases	2,292,596	2,624,956
Junior lien | Consumer real estate
Loans and Leases Receivable Disclosure [Line Items]
Loans and leases	$ 2,791,756	$ 2,839,316

Loans and Leases (Details 2)

Loans and Leases (Details 2) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Auto finance
Accounts, Notes, Loans and Financing Receivable [Line Items]
Sales proceeds, net	$ 2,135,340	$ 1,390,231	$ 1,364,611
Securitization receivable	18,620
Interest-only strips, initial value	5,695	0	17,927
Recorded investment in loans sold, including accrued interest	(2,123,058)	(1,358,040)	(1,337,791)
Net gains	36,597	32,191	44,747
Loans | Auto finance
Accounts, Notes, Loans and Financing Receivable [Line Items]
Sales proceeds, net	688,227	225,018	1,098,635
Securitization receivable	0
Interest-only strips, initial value	5,695	0	17,927
Recorded investment in loans sold, including accrued interest	(669,775)	(218,339)	(1,079,230)
Net gains	24,147	6,679	37,332
Securitizations | Auto finance
Accounts, Notes, Loans and Financing Receivable [Line Items]
Sales proceeds, net	1,447,113	1,165,213	265,976
Securitization receivable	18,620
Interest-only strips, initial value	0	0	0
Recorded investment in loans sold, including accrued interest	(1,453,283)	(1,139,701)	(258,561)
Net gains	12,450	25,512	7,415
Consumer Borrower | Consumer Real Estate Loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Sales proceeds, net	1,665,507	1,301,438	1,450,244
Securitization receivable	0
Interest-only strips, initial value	16,925	7,495	10,816
Recorded investment in loans sold, including accrued interest	(1,630,113)	(1,269,108)	(1,426,969)
Net gains	$ 52,319	$ 39,825	$ 34,091

Loans and Leases (Details 3)

Loans and Leases (Details 3) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Consumer Real Estate Loans | Consumer Borrower
Accounts, Notes, Loans and Financing Receivable [Line Items]
Interest-only strips	$ 27,260	$ 19,182
Contractual liabilities related to sale of loans	701	702
Impairment related to consumer real estate interest-only strips	800	0	$ 0
Auto finance | Consumer Borrower
Accounts, Notes, Loans and Financing Receivable [Line Items]
Interest-only strips	12,892	25,150
Contractual liabilities related to sale of loans	168	185
Impairment related to auto finance interest-only strips	2,400	900	$ 3,500
Leasing and equipment finance
Accounts, Notes, Loans and Financing Receivable [Line Items]
Lease receivable	2,300,000	2,100,000
Loans receivable	$ 2,000,000	$ 1,900,000

Allowance for Loan and Lease 67

Allowance for Loan and Lease Losses and Credit Quality Information (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Allowance for loan and lease losses
Balance, beginning of period	$ 156,054	$ 164,169	$ 252,230
Charge-offs	(64,085)	(74,547)	(100,967)
Recoveries	18,850	23,013	21,636
Net (charge-offs) recoveries	(45,235)	(51,534)	(79,331)
Provision for credit losses	65,874	52,944	95,737
Other	(16,424)	(9,525)	(104,467)
Balance, end of period	160,269	156,054	164,169
Transfer of Portfolio Loans and Leases to Held-for-sale			95,300
Transfer of Portfolio Loans and Leases to Held-for-sale, Allowance for Loan and Lease Losses			77,000
Transfer of Portfolio Loans and Leases to Held-for-sale, Write-offs			18,300
Consumer Real Estate
Allowance for loan and lease losses
Balance, beginning of period	67,992	85,361	176,030
Charge-offs	(18,624)	(33,687)	(63,126)
Recoveries	7,065	7,428	6,867
Net (charge-offs) recoveries	(11,559)	(26,259)	(56,259)
Provision for credit losses	9,304	12,697	63,973
Other	(6,289)	(3,807)	(98,383)
Balance, end of period	59,448	67,992	85,361
Commercial
Allowance for loan and lease losses
Balance, beginning of period	30,185	31,367	37,467
Charge-offs	(753)	(5,249)	(8,657)
Recoveries	373	3,769	2,887
Net (charge-offs) recoveries	(380)	(1,480)	(5,770)
Provision for credit losses	2,890	298	(259)
Other	0	0	(71)
Balance, end of period	32,695	30,185	31,367
Leasing and Equipment Finance
Allowance for loan and lease losses
Balance, beginning of period	19,018	18,446	18,733
Charge-offs	(7,738)	(7,631)	(7,316)
Recoveries	2,386	2,792	3,705
Net (charge-offs) recoveries	(5,352)	(4,839)	(3,611)
Provision for credit losses	7,706	5,411	3,324
Other	(22)	0	0
Balance, end of period	21,350	19,018	18,446
Inventory Finance
Allowance for loan and lease losses
Balance, beginning of period	11,128	10,020	8,592
Charge-offs	(2,623)	(2,501)	(1,653)
Recoveries	816	1,019	826
Net (charge-offs) recoveries	(1,807)	(1,482)	(827)
Provision for credit losses	4,540	3,036	2,498
Other	71	(446)	(243)
Balance, end of period	13,932	11,128	10,020
Auto Finance
Allowance for loan and lease losses
Balance, beginning of period	26,486	18,230	10,623
Charge-offs	(26,994)	(18,386)	(11,856)
Recoveries	3,853	2,971	1,491
Net (charge-offs) recoveries	(23,141)	(15,415)	(10,365)
Provision for credit losses	39,149	28,943	23,742
Other	(10,184)	(5,272)	(5,770)
Balance, end of period	32,310	26,486	18,230
Other
Allowance for loan and lease losses
Balance, beginning of period	1,245	745	785
Charge-offs	(7,353)	(7,093)	(8,359)
Recoveries	4,357	5,034	5,860
Net (charge-offs) recoveries	(2,996)	(2,059)	(2,499)
Provision for credit losses	2,285	2,559	2,459
Other	0	0	0
Balance, end of period	$ 534	$ 1,245	$ 745

Allowance for Loan and Lease 68

Allowance for Loan and Lease Losses and Credit Quality Information (Details 2) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Allowance for loan and lease losses:
Collectively evaluated for impairment	$ 131,569	$ 121,626
Individually evaluated for impairment	28,700	34,428
Total	160,269	156,054	$ 164,169	$ 252,230
Loans and leases outstanding:
Collectively evaluated for impairment	17,569,357	17,140,931
Individually evaluated for impairment	274,453	295,014
Total loans and leases	17,843,827	17,435,999
Receivables Acquired with Deteriorated Credit Quality
Loans and leases outstanding:
Loans acquired with deteriorated credit quality	17	54
Consumer Real Estate
Allowance for loan and lease losses:
Collectively evaluated for impairment	36,103	38,819
Individually evaluated for impairment	23,345	29,173
Total	59,448	67,992	85,361	176,030
Loans and leases outstanding:
Collectively evaluated for impairment	4,884,653	5,248,829
Individually evaluated for impairment	199,699	215,443
Total loans and leases	5,084,352	5,464,272
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	31,430	30,170
Individually evaluated for impairment	1,265	15
Total	32,695	30,185	31,367	37,467
Loans and leases outstanding:
Collectively evaluated for impairment	3,242,389	3,092,398
Individually evaluated for impairment	44,089	53,434
Total loans and leases	3,286,478	3,145,832
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	19,093	16,994
Individually evaluated for impairment	2,257	2,024
Total	21,350	19,018	18,446	18,733
Loans and leases outstanding:
Collectively evaluated for impairment	4,320,129	3,997,544
Individually evaluated for impairment	16,165	14,669
Total loans and leases	4,336,310	4,012,248
Leasing and Equipment Finance | Receivables Acquired with Deteriorated Credit Quality
Loans and leases outstanding:
Loans acquired with deteriorated credit quality	16	35
Inventory Finance
Allowance for loan and lease losses:
Collectively evaluated for impairment	13,304	10,929
Individually evaluated for impairment	628	199
Total	13,932	11,128	10,020	8,592
Loans and leases outstanding:
Collectively evaluated for impairment	2,465,041	2,145,605
Individually evaluated for impairment	5,134	1,149
Total loans and leases	2,470,175	2,146,754
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	31,106	23,471
Individually evaluated for impairment	1,204	3,015
Total	32,310	26,486	18,230	10,623
Loans and leases outstanding:
Collectively evaluated for impairment	2,638,380	2,637,269
Individually evaluated for impairment	9,360	10,308
Total loans and leases	2,647,741	2,647,596
Auto finance | Receivables Acquired with Deteriorated Credit Quality
Loans and leases outstanding:
Loans acquired with deteriorated credit quality	1	19
Other
Allowance for loan and lease losses:
Collectively evaluated for impairment	533	1,243
Individually evaluated for impairment	1	2
Total	534	1,245	$ 745	$ 785
Loans and leases outstanding:
Collectively evaluated for impairment	18,765	19,286
Individually evaluated for impairment	6	11
Total loans and leases	18,771	19,297
Other | Receivables Acquired with Deteriorated Credit Quality
Loans and leases outstanding:
Loans acquired with deteriorated credit quality	$ 0	$ 0

Allowance for Loan and Lease 69

Allowance for Loan and Lease Losses and Credit Quality Information (Details 3) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Accruing and Non-accrual Loans and Leases
Current and Delinquent and Accruing	$ 17,662,382	$ 17,235,533
Non-accrual	181,445	200,466
Total loans and leases	17,843,827	17,435,999
Loans and Leases Receivable Impaired Decrease in Interest Income Assuming Nonaccrual of Interest for Bankruptcy	100	200
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	20,604	21,459	$ 26,584
Interest income recognized on non-accrual loans and leases	4,152	4,305	9,359
Unrecognized interest income	16,452	17,154	$ 17,225
Current-59 Days Delinquent and Accruing
Accruing and Non-accrual Loans and Leases
Current and Delinquent and Accruing	17,641,553	17,216,444
60-89 Days Delinquent and Accruing
Accruing and Non-accrual Loans and Leases
Delinquent and Accruing	15,278	14,303
90 Days or More Delinquent and Accruing
Accruing and Non-accrual Loans and Leases
Delinquent and Accruing	5,551	4,786
Financing receivables
Accruing and Non-accrual Loans and Leases
Current and Delinquent and Accruing	17,662,269	17,235,290
Non-accrual	181,445	200,466
Total loans and leases	17,843,714	17,435,756
Financing receivables | Current-59 Days Delinquent and Accruing
Accruing and Non-accrual Loans and Leases
Current and Delinquent and Accruing	17,641,440	17,216,202
Financing receivables | 60-89 Days Delinquent and Accruing
Accruing and Non-accrual Loans and Leases
Delinquent and Accruing	15,278	14,302
Financing receivables | 90 Days or More Delinquent and Accruing
Accruing and Non-accrual Loans and Leases
Delinquent and Accruing	5,551	4,786
Consumer Real Estate
Accruing and Non-accrual Loans and Leases
Current and Delinquent and Accruing	4,931,881	5,296,003
Non-accrual	152,471	168,269
Total loans and leases	5,084,352	5,464,272
Consumer Real Estate | Current-59 Days Delinquent and Accruing
Accruing and Non-accrual Loans and Leases
Current and Delinquent and Accruing	4,921,752	5,282,919
Consumer Real Estate | 60-89 Days Delinquent and Accruing
Accruing and Non-accrual Loans and Leases
Delinquent and Accruing	7,985	10,130
Consumer Real Estate | 90 Days or More Delinquent and Accruing
Accruing and Non-accrual Loans and Leases
Delinquent and Accruing	2,144	2,954
First mortgage lien
Accruing and Non-accrual Loans and Leases
Current and Delinquent and Accruing	2,186,471	2,500,800
Non-accrual	106,125	124,156
Total loans and leases	2,292,596	2,624,956
First mortgage lien | Current-59 Days Delinquent and Accruing
Accruing and Non-accrual Loans and Leases
Current and Delinquent and Accruing	2,177,746	2,489,235
First mortgage lien | 60-89 Days Delinquent and Accruing
Accruing and Non-accrual Loans and Leases
Delinquent and Accruing	6,581	8,649
First mortgage lien | 90 Days or More Delinquent and Accruing
Accruing and Non-accrual Loans and Leases
Delinquent and Accruing	2,144	2,916
Junior lien
Accruing and Non-accrual Loans and Leases
Current and Delinquent and Accruing	2,745,410	2,795,203
Non-accrual	46,346	44,113
Total loans and leases	2,791,756	2,839,316
Junior lien | Current-59 Days Delinquent and Accruing
Accruing and Non-accrual Loans and Leases
Current and Delinquent and Accruing	2,744,006	2,793,684
Junior lien | 60-89 Days Delinquent and Accruing
Accruing and Non-accrual Loans and Leases
Delinquent and Accruing	1,404	1,481
Junior lien | 90 Days or More Delinquent and Accruing
Accruing and Non-accrual Loans and Leases
Delinquent and Accruing	0	38
Consumer real estate loans to customers in bankruptcy
Accruing and Non-accrual Loans and Leases
Non-accrual	21,372	20,264
Total loans and leases	35,047	46,284
Consumer real estate loans to customers in bankruptcy | Current-59 Days Delinquent and Accruing
Accruing and Non-accrual Loans and Leases
Current and Delinquent and Accruing	13,675	26,020
Total commercial
Accruing and Non-accrual Loans and Leases
Current and Delinquent and Accruing	3,280,559	3,135,507
Non-accrual	5,919	10,325
Total loans and leases	3,286,478	3,145,832
Total commercial | Current-59 Days Delinquent and Accruing
Accruing and Non-accrual Loans and Leases
Current and Delinquent and Accruing	3,280,559	3,135,506
Total commercial | 60-89 Days Delinquent and Accruing
Accruing and Non-accrual Loans and Leases
Delinquent and Accruing	0	1
Total commercial | 90 Days or More Delinquent and Accruing
Accruing and Non-accrual Loans and Leases
Delinquent and Accruing	0	0
Commercial real estate
Accruing and Non-accrual Loans and Leases
Current and Delinquent and Accruing	2,628,627	2,586,692
Non-accrual	5,564	6,737
Total loans and leases	2,634,191	2,593,429
Commercial real estate | Current-59 Days Delinquent and Accruing
Accruing and Non-accrual Loans and Leases
Current and Delinquent and Accruing	2,628,627	2,586,692
Commercial real estate | 60-89 Days Delinquent and Accruing
Accruing and Non-accrual Loans and Leases
Delinquent and Accruing	0	0
Commercial real estate | 90 Days or More Delinquent and Accruing
Accruing and Non-accrual Loans and Leases
Delinquent and Accruing	0	0
Commercial business
Accruing and Non-accrual Loans and Leases
Current and Delinquent and Accruing	651,932	548,815
Non-accrual	355	3,588
Total loans and leases	652,287	552,403
Commercial business | Current-59 Days Delinquent and Accruing
Accruing and Non-accrual Loans and Leases
Current and Delinquent and Accruing	651,932	548,814
Commercial business | 60-89 Days Delinquent and Accruing
Accruing and Non-accrual Loans and Leases
Delinquent and Accruing	0	1
Commercial business | 90 Days or More Delinquent and Accruing
Accruing and Non-accrual Loans and Leases
Delinquent and Accruing	0	0
Leasing and equipment finance
Accruing and Non-accrual Loans and Leases
Current and Delinquent and Accruing	4,325,318	4,000,761
Non-accrual	10,880	11,262
Total loans and leases	4,336,198	4,012,023
Leasing and equipment finance | Current-59 Days Delinquent and Accruing
Accruing and Non-accrual Loans and Leases
Current and Delinquent and Accruing	4,320,795	3,998,469
Leasing and equipment finance | 60-89 Days Delinquent and Accruing
Accruing and Non-accrual Loans and Leases
Delinquent and Accruing	3,478	1,728
Leasing and equipment finance | 90 Days or More Delinquent and Accruing
Accruing and Non-accrual Loans and Leases
Delinquent and Accruing	1,045	564
Inventory Finance
Accruing and Non-accrual Loans and Leases
Current and Delinquent and Accruing	2,465,041	2,145,656
Non-accrual	5,134	1,098
Total loans and leases	2,470,175	2,146,754
Inventory Finance | Current-59 Days Delinquent and Accruing
Accruing and Non-accrual Loans and Leases
Current and Delinquent and Accruing	2,464,986	2,145,538
Inventory Finance | 60-89 Days Delinquent and Accruing
Accruing and Non-accrual Loans and Leases
Delinquent and Accruing	16	87
Inventory Finance | 90 Days or More Delinquent and Accruing
Accruing and Non-accrual Loans and Leases
Delinquent and Accruing	39	31
Auto finance
Accruing and Non-accrual Loans and Leases
Current and Delinquent and Accruing	2,640,702	2,638,069
Non-accrual	7,038	9,509
Total loans and leases	2,647,740	2,647,578
Auto finance | Current-59 Days Delinquent and Accruing
Accruing and Non-accrual Loans and Leases
Current and Delinquent and Accruing	2,634,600	2,634,496
Auto finance | 60-89 Days Delinquent and Accruing
Accruing and Non-accrual Loans and Leases
Delinquent and Accruing	3,785	2,343
Auto finance | 90 Days or More Delinquent and Accruing
Accruing and Non-accrual Loans and Leases
Delinquent and Accruing	2,317	1,230
Other
Accruing and Non-accrual Loans and Leases
Current and Delinquent and Accruing	18,768	19,294
Non-accrual	3	3
Total loans and leases	18,771	19,297
Other | Current-59 Days Delinquent and Accruing
Accruing and Non-accrual Loans and Leases
Current and Delinquent and Accruing	18,748	19,274
Other | 60-89 Days Delinquent and Accruing
Accruing and Non-accrual Loans and Leases
Delinquent and Accruing	14	13
Other | 90 Days or More Delinquent and Accruing
Accruing and Non-accrual Loans and Leases
Delinquent and Accruing	6	7
Portfolios acquired with deteriorated credit quality
Accruing and Non-accrual Loans and Leases
Current and Delinquent and Accruing	113	243
Non-accrual	0	0
Total loans and leases	113	243
Portfolios acquired with deteriorated credit quality | Current-59 Days Delinquent and Accruing
Accruing and Non-accrual Loans and Leases
Current and Delinquent and Accruing	113	242
Portfolios acquired with deteriorated credit quality | 60-89 Days Delinquent and Accruing
Accruing and Non-accrual Loans and Leases
Delinquent and Accruing	0	1
Portfolios acquired with deteriorated credit quality | 90 Days or More Delinquent and Accruing
Accruing and Non-accrual Loans and Leases
Delinquent and Accruing	$ 0	$ 0

Allowance for Loan and Lease 70

Allowance for Loan and Lease Losses and Credit Quality Information (Details 4) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Loan Modifications for Borrowers with Financial Difficulties
TDR loans	$ 207.4	$ 230.6
Total Accruing TDR Loans	126	135.3
Unfunded commitments to consumer real estate and commercial loans classified as TDRs	0.4	0.4
Commercial Borrower
Loan Modifications for Borrowers with Financial Difficulties
TDR loans	22.5	31.7
Total Accruing TDR Loans	20.3	24.7
Loans Removed from Troubled Debt Restructurings Status	0.1	14
Allowance for credit losses (Less than $0.1 million for commercial at December 31, 2015)	$ 1.1	$ 0.1
Allowance on accruing TDR loans (as a percent)	5.60%	0.10%
Delinquency period of performing loans and leases	60 days	60 days
Consumer Real Estate Loans | Consumer Borrower
Loan Modifications for Borrowers with Financial Difficulties
TDR loans	$ 170.6	$ 185.8
Total Accruing TDR Loans	$ 98.6	$ 106.8
Average yield on TDR loans (as a percent)	4.20%	4.10%	3.30%
Contractual average rate of TDR loans (as a percent)	6.70%	6.70%	6.80%
Allowance for credit losses (Less than $0.1 million for commercial at December 31, 2015)	$ 19.3	$ 22.4
Allowance on accruing TDR loans (as a percent)	19.60%	21.00%
Assumed remaining re-default rate used in determining impairment, low end of range (as a percent)	10.00%	10.00%
Assumed remaining re-default rate used in determining impairment, high end of range (as a percent)	33.00%	33.00%
Percent of accruing TDR loans more than 60 days delinquent	1.50%	2.00%
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	$ 47.4	$ 51.5
Portion of non-accrual TDR balance, loans discharged in Chapter 7 bankruptcy that are not reaffirmed (as a percent)	65.90%	65.10%
Portion of non-accrual TDR balance, loans discharged in Chapter 7 bankruptcy that are not reaffirmed, current (as a percent)	82.20%	77.20%
Consumer Real Estate Loans | Consumer Borrower | First mortgage lien
Loan Modifications for Borrowers with Financial Difficulties
Unrecognized Interest Income	$ 2	$ 2.2	$ 16.7
Consumer Real Estate Loans | Consumer Borrower | Junior lien
Loan Modifications for Borrowers with Financial Difficulties
Unrecognized Interest Income	$ 0.7	$ 0.8	$ 1.2

Allowance for Loan and Lease 71

Allowance for Loan and Lease Losses and Credit Quality Information (Details 5) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Loan Modifications for Borrowers with Financial Difficulties
Minimum period for loans to be delinquent to be considered in default	90 days	90 days
Loan Balance	$ 11,516	$ 3,579	$ 7,747
Consumer Real Estate Loans | Consumer Borrower
Loan Modifications for Borrowers with Financial Difficulties
Loan Balance	9,823	2,495	3,333
Consumer Real Estate Loans | Consumer Borrower | First mortgage lien
Loan Modifications for Borrowers with Financial Difficulties
Loan Balance	8,193	1,674	1,969
Consumer Real Estate Loans | Consumer Borrower | Junior lien
Loan Modifications for Borrowers with Financial Difficulties
Loan Balance	1,630	821	1,364
Commercial Loans | Commercial Borrower
Loan Modifications for Borrowers with Financial Difficulties
Loan Balance	0	0	4,022
Commercial Loans | Commercial real estate
Loan Modifications for Borrowers with Financial Difficulties
Loan Balance	0	0	3,895
Commercial Loans | Commercial business
Loan Modifications for Borrowers with Financial Difficulties
Loan Balance	0	0	127
Leasing and Equipment Finance
Loan Modifications for Borrowers with Financial Difficulties
Loan Balance	0	45	0
Auto finance
Loan Modifications for Borrowers with Financial Difficulties
Loan Balance	$ 1,693	$ 1,039	$ 392

Allowance for Loan and Lease 72

Allowance for Loan and Lease Losses and Credit Quality Information (Details 6) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Impaired Loans
Unpaid Contractual Balance	$ 287,526	$ 309,353
Loan Balance	219,657	238,556
Related Allowance Recorded	26,728	31,697
Average Loan Balance	229,106	279,107	$ 568,870
Interest Income Recognized	8,723	14,699	27,517
Impaired loans with an allowance recorded
Impaired Loans
Unpaid Contractual Balance	215,346	232,607
Loan Balance	185,790	198,613
Related Allowance Recorded	26,728	31,697
Average Loan Balance	192,201	211,573	454,938
Interest Income Recognized	6,764	9,761	20,718
Impaired loans with an allowance recorded | Consumer real estate
Impaired Loans
Unpaid Contractual Balance	185,185	215,871
Loan Balance	156,011	182,094
Related Allowance Recorded	22,664	27,717
Average Loan Balance	169,052	169,583	375,435
Interest Income Recognized	6,203	8,791	18,207
Impaired loans with an allowance recorded | First mortgage lien
Impaired Loans
Unpaid Contractual Balance	122,704	145,749
Loan Balance	104,601	123,728
Related Allowance Recorded	16,835	20,880
Average Loan Balance	114,164	112,698	311,458
Interest Income Recognized	3,597	5,438	14,715
Impaired loans with an allowance recorded | Junior lien
Impaired Loans
Unpaid Contractual Balance	62,481	70,122
Loan Balance	51,410	58,366
Related Allowance Recorded	5,829	6,837
Average Loan Balance	54,888	56,885	63,977
Interest Income Recognized	2,606	3,353	3,492
Impaired loans with an allowance recorded | Total commercial
Impaired Loans
Unpaid Contractual Balance	10,097	314
Loan Balance	10,089	314
Related Allowance Recorded	1,265	15
Average Loan Balance	5,201	27,372	65,298
Interest Income Recognized	353	852	2,349
Impaired loans with an allowance recorded | Commercial real estate
Impaired Loans
Unpaid Contractual Balance	10,083	298
Loan Balance	10,075	298
Related Allowance Recorded	1,262	12
Average Loan Balance	5,186	27,355	63,099
Interest Income Recognized	353	852	2,349
Impaired loans with an allowance recorded | Commercial business
Impaired Loans
Unpaid Contractual Balance	14	16
Loan Balance	14	16
Related Allowance Recorded	3	3
Average Loan Balance	15	17	2,199
Interest Income Recognized	0	0	0
Impaired loans with an allowance recorded | Leasing and Equipment Finance
Impaired Loans
Unpaid Contractual Balance	9,900	7,259
Loan Balance	9,900	7,259
Related Allowance Recorded	1,044	822
Average Loan Balance	8,579	7,758	8,247
Interest Income Recognized	40	18	58
Impaired loans with an allowance recorded | Inventory Finance
Impaired Loans
Unpaid Contractual Balance	4,357	867
Loan Balance	4,365	873
Related Allowance Recorded	628	199
Average Loan Balance	2,619	1,315	4,249
Interest Income Recognized	56	76	97
Impaired loans with an allowance recorded | Auto finance
Impaired Loans
Unpaid Contractual Balance	5,801	8,275
Loan Balance	5,419	8,062
Related Allowance Recorded	1,126	2,942
Average Loan Balance	6,741	5,495	1,617
Interest Income Recognized	112	22	0
Impaired loans with an allowance recorded | Other
Impaired Loans
Unpaid Contractual Balance	6	21
Loan Balance	6	11
Related Allowance Recorded	1	2
Average Loan Balance	9	50	92
Interest Income Recognized	0	2	7
Impaired loans without an allowance recorded
Impaired Loans
Unpaid Contractual Balance	72,180	76,746
Loan Balance	33,867	39,943
Average Loan Balance	36,905	67,534	113,932
Interest Income Recognized	1,959	4,938	6,799
Impaired loans without an allowance recorded | Consumer real estate
Impaired Loans
Unpaid Contractual Balance	45,454	33,131
Loan Balance	14,556	3,748
Average Loan Balance	9,152	23,147	44,938
Interest Income Recognized	1,121	2,862	3,606
Impaired loans without an allowance recorded | First mortgage lien
Impaired Loans
Unpaid Contractual Balance	18,539	7,100
Loan Balance	12,674	3,228
Average Loan Balance	7,951	19,188	39,086
Interest Income Recognized	449	1,045	2,321
Impaired loans without an allowance recorded | Junior lien
Impaired Loans
Unpaid Contractual Balance	26,915	26,031
Loan Balance	1,882	520
Average Loan Balance	1,201	3,959	5,852
Interest Income Recognized	672	1,817	1,285
Impaired loans without an allowance recorded | Total commercial
Impaired Loans
Unpaid Contractual Balance	21,955	41,336
Loan Balance	16,134	34,742
Average Loan Balance	25,438	42,861	68,113
Interest Income Recognized	743	1,962	3,067
Impaired loans without an allowance recorded | Commercial real estate
Impaired Loans
Unpaid Contractual Balance	21,601	37,598
Loan Balance	15,780	31,157
Average Loan Balance	23,468	40,828	65,167
Interest Income Recognized	743	1,957	2,973
Impaired loans without an allowance recorded | Commercial business
Impaired Loans
Unpaid Contractual Balance	354	3,738
Loan Balance	354	3,585
Average Loan Balance	1,970	2,033	2,946
Interest Income Recognized	0	5	94
Impaired loans without an allowance recorded | Inventory Finance
Impaired Loans
Unpaid Contractual Balance	767	274
Loan Balance	769	276
Average Loan Balance	523	564	426
Interest Income Recognized	95	114	126
Impaired loans without an allowance recorded | Auto finance
Impaired Loans
Unpaid Contractual Balance	3,919	2,003
Loan Balance	2,408	1,177
Average Loan Balance	1,792	962	455
Interest Income Recognized	0	0	$ 0
Impaired loans without an allowance recorded | Other
Impaired Loans
Unpaid Contractual Balance	85	2
Loan Balance	$ 0	$ 0

Premises and Equipment (Details

Premises and Equipment (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Premises and equipment
Subtotal	$ 808,235	$ 805,608
Less accumulated depreciation and amortization	389,863	359,674
Property, Plant and Equipment, Net	418,372	445,934
Depreciation, Depletion and Amortization
Depreciation and amortization expense	44,900	40,800	$ 40,900
Operating leases
Net lease expense	35,500	35,100	$ 34,000
Future minimum rental payments for operating leases
2,017	28,264
2,018	28,595
2,019	26,481
2,020	22,211
2,021	15,642
Thereafter	70,738
Total	191,931
Land
Premises and equipment
Subtotal	144,221	152,034
Office buildings
Premises and equipment
Subtotal	271,597	281,462
Leasehold improvements
Premises and equipment
Subtotal	50,796	56,243
Furniture and equipment
Premises and equipment
Subtotal	$ 341,621	$ 315,869

Goodwill and Other Intangible74

Goodwill and Other Intangibles (Details) - USD ($)	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Goodwill and other intangible assets
Amortization expenses	$ 1,400,000	$ 1,600,000	$ 1,700,000
Impairment of goodwill	0	0	0
Impairment of intangible assets	0	0	$ 0
Amortizable intangible assets:
Gross Amount	10,669,000	10,669,000
Accumulated Amortization	8,961,000	7,583,000
Net Amount	1,708,000	3,086,000
Goodwill
Goodwill	225,640,000	225,640,000
Estimated amortization expense for intangible assets
2,017	500,000
2,018	400,000
2,019	300,000
2,020	300,000
2,021	200,000
Consumer banking | Operating segments
Goodwill
Goodwill	214,286,000	214,286,000
Wholesale banking | Operating segments
Goodwill
Goodwill	11,354,000	11,354,000
Deposit base intangibles
Amortizable intangible assets:
Gross Amount	3,049,000	3,049,000
Accumulated Amortization	2,069,000	1,817,000
Net Amount	980,000	1,232,000
Customer base intangibles
Amortizable intangible assets:
Gross Amount	2,730,000	2,730,000
Accumulated Amortization	2,002,000	1,709,000
Net Amount	728,000	1,021,000
Non-compete agreement
Amortizable intangible assets:
Gross Amount	4,590,000	4,590,000
Accumulated Amortization	4,590,000	3,757,000
Net Amount	0	833,000
Tradename
Amortizable intangible assets:
Gross Amount	300,000	300,000
Accumulated Amortization	300,000	300,000
Net Amount	$ 0	$ 0

Deposits (Details)

Deposits (Details) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
Weighted-average Rate
Interest bearing	0.01%	0.02%
Total checking	0.01%	0.01%
Savings	0.03%	0.06%
Money market	0.61%	0.63%
Certificates of deposit	1.06%	0.91%
Total deposits	0.36%	0.30%
Deposits
Non-interest bearing	$ 3,454,962	$ 3,187,581
Interest bearing	2,554,189	2,502,978
Total checking	6,009,151	5,690,559
Savings	4,719,481	4,717,457
Money market	2,421,467	2,408,180
Total	4,092,423	3,903,793
Total deposits	$ 17,242,522	$ 16,719,989
% of Total
Non-interest bearing	20.00%	19.10%
Interest bearing	14.90%	14.90%
Total checking	34.90%	34.00%
Savings	27.40%	28.20%
Money market	14.00%	14.50%
Certificates of deposit	23.70%	23.30%
Total deposits	100.00%	100.00%
Annual Maturities for Certificates of Deposit
2,017	$ 3,392,044
2,018	643,552
2,019	18,859
2,020	13,867
2,021	10,196
Thereafter	13,905
Total	4,092,423	$ 3,903,793
Time Deposits, at or above FDIC insurance limit	$ 561,000	$ 484,200

Short-term Borrowings (Details)

Short-term Borrowings (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Short-term Borrowings
Period end balance for short-term borrowings	$ 4,391	$ 5,381	$ 4,425
Interest rate at period end (as a percent)	0.94%	0.03%	0.10%
Average daily balances of short-term borrowings	$ 7,051	$ 18,822	$ 83,673
Average daily interest rate (as a percent)	0.73%	0.28%	0.31%
Federal Home Loan Bank advances
Short-term Borrowings
Average daily balances of short-term borrowings	$ 0	$ 0	$ 74,385
Average daily interest rate (as a percent)	0.00%	0.00%	0.26%
Maximum month-end balances of short-term borrowings	$ 0	$ 0	$ 250,000
Federal funds purchased
Short-term Borrowings
Average daily balances of short-term borrowings	$ 156	$ 225	$ 375
Average daily interest rate (as a percent)	0.71%	0.45%	0.40%
Securities sold under repurchase agreements
Short-term Borrowings
Period end balance for short-term borrowings	$ 2,159	$ 5,381	$ 4,425
Interest rate at period end (as a percent)	0.10%	0.03%	0.10%
Average daily balances of short-term borrowings	$ 5,235	$ 16,431	$ 5,956
Average daily interest rate (as a percent)	0.41%	0.06%	0.18%
Maximum month-end balances of short-term borrowings	$ 3,391	$ 62,995	$ 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
Period end balance for short-term borrowings	$ 2,232	$ 0	$ 0
Interest rate at period end (as a percent)	1.75%	0.00%	0.00%
Average daily balances of short-term borrowings	$ 1,660	$ 2,166	$ 2,957
Average daily interest rate (as a percent)	1.75%	1.96%	1.88%
Maximum month-end balances of short-term borrowings	$ 5,907	$ 5,519	$ 11,751

Long-term Borrowings (Details)

Long-term Borrowings (Details) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
Debt instrument
Long-term borrowings	$ 1,073,181	$ 1,034,557
Federal Home Loan Bank advances
Debt instrument
Long-term borrowings	675,000	572,000
Variable-rate FHLB advances prepayable monthly	675,000
Federal Home Loan Bank advances | Maturity year 2016
Debt instrument
Long-term borrowings	$ 0	$ 447,000
Stated Rate	0.00%
Federal Home Loan Bank advances | Maturity year 2016 | TCF Bank
Debt instrument
Loans pledged as collateral	$ 4,500,000
Federal Home Loan Bank advances | Maturity year 2016 | Minimum
Debt instrument
Stated Rate		0.54%
Federal Home Loan Bank advances | Maturity year 2016 | Maximum
Debt instrument
Stated Rate		1.17%
Federal Home Loan Bank advances | Maturity Year 2017
Debt instrument
Long-term borrowings	$ 0	$ 125,000
Stated Rate	0.00%
Federal Home Loan Bank advances | Maturity Year 2017 | Minimum
Debt instrument
Stated Rate		0.49%
Federal Home Loan Bank advances | Maturity Year 2017 | Maximum
Debt instrument
Stated Rate		0.51%
Federal Home Loan Bank advances | Maturity Year 2018
Debt instrument
Long-term borrowings	$ 375,000	$ 0
Stated Rate		0.00%
Federal Home Loan Bank advances | Maturity Year 2018 | Minimum
Debt instrument
Stated Rate	0.72%
Federal Home Loan Bank advances | Maturity Year 2018 | Maximum
Debt instrument
Stated Rate	0.81%
Federal Home Loan Bank advances | Maturity Year 2019
Debt instrument
Long-term borrowings	$ 300,000	$ 0
Stated Rate		0.00%
Federal Home Loan Bank advances | Maturity Year 2019 | Minimum
Debt instrument
Stated Rate	0.78%
Federal Home Loan Bank advances | Maturity Year 2019 | Maximum
Debt instrument
Stated Rate	0.81%
Subordinated bank notes
Debt instrument
Long-term borrowings	$ 255,357	$ 331,098
Subordinated bank notes | Maturity year 2016
Debt instrument
Long-term borrowings	$ 0	$ 74,992
Stated Rate	0.00%	5.50%
Subordinated bank notes | Maturity Year 2022
Debt instrument
Long-term borrowings	$ 108,654	$ 108,454
Stated Rate	6.25%	6.25%
Subordinated bank notes | Maturity Year 2025
Debt instrument
Long-term borrowings	$ 148,052	$ 147,861
Stated Rate	4.60%	4.60%
Subordinated bank notes | Maturity Year 2025, Interest Rate Swap
Debt instrument
Long-term borrowings	$ (1,349)	$ (209)
Discounted Lease Rentals
Debt instrument
Long-term borrowings	140,060	126,032
Discounted Lease Rentals | Maturity year 2016
Debt instrument
Long-term borrowings	$ 0	$ 48,120
Stated Rate	0.00%
Discounted Lease Rentals | Maturity year 2016 | Minimum
Debt instrument
Stated Rate		2.39%
Discounted Lease Rentals | Maturity year 2016 | Maximum
Debt instrument
Stated Rate		7.95%
Discounted Lease Rentals | Maturity Year 2017
Debt instrument
Long-term borrowings	$ 57,081	$ 41,969
Discounted Lease Rentals | Maturity Year 2017 | Minimum
Debt instrument
Stated Rate	2.45%	2.45%
Discounted Lease Rentals | Maturity Year 2017 | Maximum
Debt instrument
Stated Rate	7.88%	7.88%
Discounted Lease Rentals | Maturity Year 2018
Debt instrument
Long-term borrowings	$ 42,132	$ 24,496
Discounted Lease Rentals | Maturity Year 2018 | Minimum
Debt instrument
Stated Rate	2.55%	2.55%
Discounted Lease Rentals | Maturity Year 2018 | Maximum
Debt instrument
Stated Rate	7.95%	7.95%
Discounted Lease Rentals | Maturity Year 2019
Debt instrument
Long-term borrowings	$ 24,671	$ 9,329
Discounted Lease Rentals | Maturity Year 2019 | Minimum
Debt instrument
Stated Rate	2.53%	2.53%
Discounted Lease Rentals | Maturity Year 2019 | Maximum
Debt instrument
Stated Rate	6.00%	6.00%
Discounted Lease Rentals | Maturity Year 2020
Debt instrument
Long-term borrowings	$ 11,753	$ 2,035
Discounted Lease Rentals | Maturity Year 2020 | Minimum
Debt instrument
Stated Rate	2.64%	2.95%
Discounted Lease Rentals | Maturity Year 2020 | Maximum
Debt instrument
Stated Rate	6.90%	5.15%
Discounted Lease Rentals | Maturity Year 2021
Debt instrument
Long-term borrowings	$ 4,423	$ 83
Stated Rate		4.57%
Discounted Lease Rentals | Maturity Year 2021 | Minimum
Debt instrument
Stated Rate	2.88%
Discounted Lease Rentals | Maturity Year 2021 | Maximum
Debt instrument
Stated Rate	4.57%
Other long-term borrowings
Debt instrument
Long-term borrowings	$ 2,764	$ 5,427
Other long-term borrowings | Maturity year 2016
Debt instrument
Long-term borrowings	$ 0	$ 2,685
Stated Rate	0.00%	1.36%
Other long-term borrowings | Maturity Year 2017
Debt instrument
Long-term borrowings	$ 2,764	$ 2,742
Stated Rate	1.36%	1.36%

Income Taxes (Details)

Income Taxes (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Current
Federal	$ 66,810	$ 73,579	$ 55,062
State	11,402	9,255	2,087
Foreign	5,350	5,252	5,185
Total current	83,562	88,086	62,334
Deferred
Federal	28,629	16,141	26,308
State	4,425	4,637	11,147
Foreign	(88)	8	(23)
Total deferred	32,966	20,786	37,432
Total
Federal, Total	95,439	89,720	81,370
State, Total	15,827	13,892	13,234
Foreign, Total	5,262	5,260	5,162
Total	$ 116,528	$ 108,872	$ 99,766
Reconciliation of effective income tax rate from the federal income tax rate
Federal income tax rate (as a percent)	35.00%	35.00%	35.00%
Increase (decrease) resulting from:
State income tax, net of federal income tax (as a percent)	3.04%	2.87%	3.06%
Tax-exempt income (as a percent)	(2.07%)	(0.93%)	(0.76%)
Non-controlling interest tax effect (as a percent)	(0.99%)	(0.97%)	(0.92%)
Foreign tax effects (as a percent)	(0.50%)	(0.53%)	(0.58%)
Other, net (as a percent)	(0.03%)	(0.84%)	(0.34%)
Effective income tax rate (as a percent)	34.45%	34.60%	35.46%

Income Taxes (Details 2)

Income Taxes (Details 2) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Reconciliation of the change in unrecognized tax benefits
Balance at the beginning of the period	$ 4,249	$ 4,649	$ 4,704
Increases for tax positions related to the current year	546	323	468
Increases for tax positions related to prior years	627	0	8
Decreases for tax positions related to prior years	(84)	(157)	(350)
Settlements with taxing authorities	(525)	(425)	0
Decreases related to lapses of applicable statutes of limitation	(123)	(141)	(181)
Balance at the end of the period	4,690	4,249	$ 4,649
Deferred tax assets:
Allowance for loan and lease losses	75,976	74,858
Stock compensation and deferred compensation plans	41,105	37,913
Securities available for sale	17,606	5,945
Net operating losses	11,924	10,735
Accrued expense	3,730	5,228
Non-accrual interest	2,140	4,250
Other	3,408	3,437
Deferred tax assets	155,889	142,366
Valuation allowance	(10,377)	(7,515)
Total deferred tax assets, net of valuation allowance	145,512	134,851
Deferred tax liabilities
Lease financing	348,933	320,374
Premises and equipment	32,430	28,657
Loan fees and discounts	17,017	19,220
Prepaid expenses	11,245	10,936
Goodwill and other intangibles	3,870	4,105
Other	7,375	6,026
Total deferred tax liabilities	420,870	389,318
Net deferred tax liabilities	$ 275,358	$ 254,467

Income Taxes (Details 3)

Income Taxes (Details 3) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Income Tax Disclosure [Abstract]
Undistributed foreign earnings	$ 56.3	$ 42.9
Potential deferred tax liability if undistributed foreign earnings were repatriated to the U.S.	3	2.6
Unrecognized tax benefits that would impact effective tax rate	1.6	1.3
Interest and penalties, net of tax effects	0.9	(0.2)	$ 0.1
Accrued interest and penalties	$ 1.2	$ 0.3

Equity (Details)

Equity (Details) - USD ($)	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Restricted Retained Earnings
Undistributed earnings of TCF's bank subsidiary	$ 134,400,000
Retained Earnings Provision for Federal Income Taxes	0
Treasury Stock and Other
Treasury stock, at cost	(1,102,000)	$ (1,102,000)
Shares held in trust for deferred compensation plans, at cost	(48,317,000)	(49,758,000)
Total	$ 49,419,000	$ 50,860,000
Common stock repurchased (in shares)	0	0	0
Stock repurchase program, remaining shares authorized for repurchase	5,400,000

Equity (Details 2)

Equity (Details 2) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Public offering of preferred shares
Preferred stock, par value (in dollars per share)	$ 0.01	$ 0.01
Cash dividends paid on preferred stock	$ 19,388	$ 19,388	$ 19,388
Series A Preferred Stock
Public offering of preferred shares
Shares, Issued	6,900,000	6,900,000
Par value per share	$ 0.01	$ 0.01
Annual rate of dividend (as a percent)	7.50%	7.50%
Cash dividends paid on preferred stock	$ 12,900	$ 12,900	12,900
Series B Preferred Stock
Public offering of preferred shares
Shares, Issued	4,000,000	4,000,000
Annual rate of dividend (as a percent)	6.45%	6.45%
Preferred stock, par value (in dollars per share)	$ 0.01	$ 0.01
Cash dividends paid on preferred stock	$ 6,500	$ 6,500	$ 6,500

Equity (Details 3)

Equity (Details 3) - USD ($)	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Warrants
Outstanding warrants to purchase common stock (in shares)	3,199,988
Warrants exercise price (in dollars per share)	$ 16.93
Joint Venture
Ownership interest in Joint Venture, by TCF (as a percent)	55.00%
Ownership interest in Joint Venture, by Toro Company (as a percent)	45.00%
Directors Deferred Compensation Plan
Deferred Compensation Plans
Fair value of the assets in the plan	$ 14,000,000	$ 11,700,000
Directors Deferred Compensation Plan | TCF Common Stock
Deferred Compensation Plans
Fair value of the assets in the plan	$ 10,500,000	7,500,000
Directors Deferred Compensation Plan | Directors | Maximum
Deferred Compensation Plans
Amount of director fees and restricted stock awards which can be deferred by a non-employee director under the deferred compensation plan (as a percent).	100.00%
TCF Employees Deferred Stock Compensation Plan | TCF Common Stock
Deferred Compensation Plans
Fair value of the assets in the plan	$ 35,600,000	29,500,000
TCF 401K Supplemental Plan
Deferred Compensation Plans
Matching contributions to the plan	1,700,000	1,000,000	$ 1,500,000
Fair value of the assets in the plan	48,200,000	32,800,000
Other contributions to the plan, other than payment of administrative expenses	0	0	$ 0
TCF 401K Supplemental Plan | TCF Common Stock
Deferred Compensation Plans
Fair value of the assets in the plan	$ 27,900,000	$ 17,500,000
TCF 401K Supplemental Plan | Certain employees | Maximum
Deferred Compensation Plans
Employees contribution under supplemental non-qualified Employee Stock Purchase Plan (as a percent)	50.00%

Regulatory Capital Requiremen84

Regulatory Capital Requirements (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Jan. 01, 2019	Dec. 31, 2015
Compliance with Regulatory Capital Requirements under Banking Regulations
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	$ 479,800
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:
Common equity Tier 1 capital	$ 1,970,323		$ 1,814,442
Tier 1 capital	2,248,221		2,092,195
Total capital	$ 2,635,925		$ 2,487,060
Common equity Tier 1 capital ratio
Actual, Ratio	10.24%		10.00%
Tier 1 risk-based capital ratio
Actual, Ratio	11.68%		11.54%
Total risk-based capital ratio
Actual, Ratio	13.69%		13.71%
Tier 1 leverage ratio
Actual, Ratio	10.73%		10.46%
TCF Bank
Compliance with Regulatory Capital Requirements under Banking Regulations
Capital conservation buffer excluded from minimum capital requirement	0.625%
Regulatory Capital:
Common equity Tier 1 capital	$ 2,144,966		$ 1,992,584
Tier 1 capital	2,162,128		2,008,585
Total capital	$ 2,583,512		$ 2,425,682
Common equity Tier 1 capital ratio
Actual, Ratio	11.14%		10.99%
Well-Capitalized Capital Requirement, Ratio	6.50%
Minimum Capital Requirement, Ratio	4.50%
Tier 1 risk-based capital ratio
Actual, Ratio	11.23%		11.07%
Well-Capitalized Capital Requirement, Ratio	8.00%
Minimum Capital Requirement, Ratio	6.00%
Total risk-based capital ratio
Actual, Ratio	13.42%		13.37%
Well-Capitalized Capital Requirement, Ratio	10.00%
Minimum Capital Requirement, Ratio	8.00%
Tier 1 leverage ratio
Actual, Ratio	10.32%		10.04%
Well-Capitalized Capital Requirement, Ratio	5.00%
Minimum Capital Requirement, Ratio	4.00%
Scenario, Forecast | TCF Bank
Compliance with Regulatory Capital Requirements under Banking Regulations
Capital conservation buffer excluded from minimum capital requirement		2.50%
Common equity Tier 1 capital ratio
Minimum Capital Requirement, Ratio		7.00%
Tier 1 risk-based capital ratio
Minimum Capital Requirement, Ratio		8.50%
Total risk-based capital ratio
Minimum Capital Requirement, Ratio		10.50%

Stock Compensation (Details)

Stock Compensation (Details) - USD ($)	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Restricted Stock Awards and Restricted Stock Units
Share-based compensation
Compensation expense	$ 8,715,000	$ 5,931,000	$ 8,690,000
Tax benefit recognized for stock compensation expense	3,103,000	2,127,000	3,424,000
Restricted Stock Awards (RSAs)
Share-based compensation
Unrecognized stock compensation expense	$ 24,925,000	$ 25,919,000	$ 22,532,000
Weighted-average amortization (years)	1 year 7 months 6 days	2 years 1 month 6 days	2 years 7 months 6 days
Restricted stock awards, shares activity
Outstanding at the beginning of the period (in shares)	3,273,086	2,858,494	3,355,295
Granted (in shares)	899,000	786,933	1,120,750
Forfeited/cancelled (in shares)	(230,486)	(156,332)	(108,490)
Vested (in shares)	(405,425)	(216,009)	(1,509,061)
Outstanding at the end of the period (in shares)	3,536,175	3,273,086	2,858,494	3,355,295
Restricted Stock Awards, Weighted-Average Grant Date Fair Value
Weighted-Average Grant Date Fair Value, Outstanding at the beginning (in dollars per share)	$ 13.09	$ 12.73	$ 11.09
Weighted-Average Grant Date Fair Value, Granted (in dollars per share)	12.13	14.45	15.61
Weighted-Average Grant Date Fair Value, Forfeited/cancelled (in dollars per share)	13.59	13.20	13.06
Weighted-Average Grant Date Fair Value, Vested (in dollars per share)	13.10	13.16	11.21
Weighted-Average Grant Date Fair Value, Outstanding at the end (in dollars per share)	$ 12.81	13.09	12.73	$ 11.09
Restricted Stock Awards (RSAs) | Minimum
Share-based compensation
Share-based award vesting period	1 year
Restricted Stock Awards, Grant Date Fair Value Range
Grant Date Fair Value, Outstanding at the beginning (in dollars per share)	$ 6.16	6.16	6.16
Grant Date Fair Value, Granted (in dollars per share)	9.48	12.86	13.84
Grant Date Fair Value, Forfeited/canceled (in dollars per share)	6.16	6.80	6.80
Grant Date Fair Value, Vested (in dollars per share)	9.65	9.65	8.35
Grant Date Fair Value, Outstanding at the end (in dollars per share)	$ 7.73	6.16	6.16	6.16
Restricted Stock Awards (RSAs) | Maximum
Share-based compensation
Share-based award vesting period	5 years
Restricted Stock Awards, Grant Date Fair Value Range
Grant Date Fair Value, Outstanding at the beginning (in dollars per share)	$ 16.28	16.02	15.17
Grant Date Fair Value, Granted (in dollars per share)	13.24	16.28	16.02
Grant Date Fair Value, Forfeited/canceled (in dollars per share)	15.96	15.96	15.79
Grant Date Fair Value, Vested (in dollars per share)	15.96	15.96	14.90
Grant Date Fair Value, Outstanding at the end (in dollars per share)	$ 16.28	$ 16.28	$ 16.02	$ 15.17
Stock Options
Stock options, shares activity
Outstanding at the beginning of the period (in shares)	1,379,000	1,579,000	1,626,000
Granted (in shares)	0	0	0
Exercised (in shares)	(857,000)	(200,000)	(47,000)
Forfeited/canceled (in shares)	(118,000)	0	0
Vested (in shares)	0	0	0
Outstanding at the end of the period (in shares)	404,000	1,379,000	1,579,000	1,626,000
Stock Options, Weighted-Average Remaining Contractual Life
Weighted- Average Remaining Contractual Life (in years)	1 year 22 days	2 years 2 months 1 day	2 years 11 months 23 days	4 years 4 months 10 days
Stock Options, Weighted-Average Exercise Price
Weighted-Average Exercise Price, Outstanding at the beginning (in dollars per share)	$ 14.07	$ 13.91	$ 13.97
Weighted-Average Exercise Price, Granted (in dollars per share)	0	0	0
Weighted-Average Exercise Price, Exercised (in dollars per share)	13.04	12.85	15.75
Weighted-Average Exercise Price, Forfeited/canceled (in dollars per share)	15.75	0	0
Weighted-Average Exercise Price, Vested (in dollars per share)	0	0	0
Weighted-Average Exercise Price, Outstanding at the end (in dollars per share)	$ 15.75	14.07	13.91	$ 13.97
Stock options outstanding and exercisable
Stock Options Exercisable (in shares)	404,000
Stock Options Exercisable, Weighted-Average Exercise Price (in dollars per share)	$ 15.75
Stock Options | Minimum
Stock Options, Exercise Price Range
Exercise price, Outstanding at the beginning (in dollars per share)	12.85	12.85	12.85
Exercise price, Granted (in dollars per share)	0	0	0
Exercise price, Exercised (in dollars per share)	12.85	12.85	15.75
Exercise price, Forfeited/canceled (in dollars per share)	15.75	0	0
Exercise price, Vested (in dollars per share)	0	0	0
Exercise price, Outstanding at the end (in dollars per share)	15.75	12.85	12.85	12.85
Stock options outstanding and exercisable
Exercise price, Stock options exercisable (in dollars per share)	15.75
Stock Options | Maximum
Stock Options, Exercise Price Range
Exercise price, Outstanding at the beginning (in dollars per share)	15.75	15.75	15.75
Exercise price, Granted (in dollars per share)	0	0	0
Exercise price, Exercised (in dollars per share)	15.75	12.85	15.75
Exercise price, Forfeited/canceled (in dollars per share)	15.75	0	0
Exercise price, Vested (in dollars per share)	0	0	0
Exercise price, Outstanding at the end (in dollars per share)	15.75	$ 15.75	$ 15.75	$ 15.75
Stock options outstanding and exercisable
Exercise price, Stock options exercisable (in dollars per share)	$ 15.75
Omnibus Incentive Plan
Share-based compensation
Shares reserved for issuance under the program (in shares)	1,650,598
Omnibus Incentive Plan | Restricted Stock Awards (RSAs)
Share-based compensation
Outstanding number of shares to vest only if certain return on asset goals, and service conditions are achieved (in shares)	50,000
Omnibus Incentive Plan | Restricted Stock Units (RSUs)
Share-based compensation
Restricted stock granted, not yet vested (in shares)	228,867
Award performance period for RSUs	3 years
Restricted stock units, maximum multiplier	150.00%
Restricted stock units vested (in shares)	0
Remaining performance period for RSUs	2 years
Omnibus Incentive Plan | Restricted Stock Units (RSUs) | Minimum
Share-based compensation
Peer group, asset threshold	$ 10,000,000,000
Omnibus Incentive Plan | Restricted Stock Units (RSUs) | Maximum
Share-based compensation
Peer group, asset threshold	$ 50,000,000,000
Omnibus Incentive Plan | Stock Options
Stock options, shares activity
Outstanding at the end of the period (in shares)	0
Incentive Stock Program
Share-based compensation
Shares reserved for issuance under the program (in shares)	404,000
Stock options expiration period	10 years
Valuation assumptions for stock option plans
Expected volatility	28.50%
Weighted-average volatility	28.50%
Expected dividend yield	3.50%
Risk-free interest rate, minimum	2.58%
Risk-free interest rate, maximum	2.91%
Incentive Stock Program | Minimum
Valuation assumptions for stock option plans
Expected term (years)	6 years 3 months
Incentive Stock Program | Maximum
Valuation assumptions for stock option plans
Expected term (years)	6 years 9 months
Incentive Stock Program | Restricted Stock Awards (RSAs)
Share-based compensation
Outstanding number of shares to vest only if certain return on asset goals, and service conditions are achieved (in shares)	1,050,000
Incentive Stock Program | Stock Options
Stock options, shares activity
Outstanding at the end of the period (in shares)	0
Incentive Stock Program | Stock Options | Minimum
Share-based compensation
Share-based award vesting period	1 year
Incentive Stock Program | Stock Options | Maximum
Share-based compensation
Share-based award vesting period	10 years

Employee Benefit Plans (Details

Employee Benefit Plans (Details) $ in Millions	12 Months Ended
	Dec. 31, 2016USD ($)	Dec. 31, 2015USD ($)	Dec. 31, 2014USD ($)
Schedule of The 401K Plan
Participants' contribution as a percentage of covered compensation	50.00%
Fair value of the assets in the plan	$ 315.5
Employer contribution to the plan	12.6	$ 10.6	$ 9.6
TCF Common Stock
Schedule of The 401K Plan
Fair value of the assets in the plan	$ 174.4
Minimum
Schedule of The 401K Plan
Employer's contribution, vesting period		5 years
One or more years
Schedule of The 401K Plan
Employer matching contribution per dollar	1
Maximum matching contribution by employer as percentage of covered compensation	5.00%
One or more years | Minimum
Schedule of The 401K Plan
Years of service	1 year
One through four years
Schedule of The 401K Plan
Employer matching contribution per dollar		0.5
Maximum matching contribution by employer as percentage of covered compensation		3.00%
One through four years | Minimum
Schedule of The 401K Plan
Years of service		1 year
One through four years | Maximum
Schedule of The 401K Plan
Years of service		4 years
Five through nine years
Schedule of The 401K Plan
Employer matching contribution per dollar		0.75
Maximum matching contribution by employer as percentage of covered compensation		4.50%
Five through nine years | Minimum
Schedule of The 401K Plan
Years of service		5 years
Five through nine years | Maximum
Schedule of The 401K Plan
Years of service		9 years
10 or more years
Schedule of The 401K Plan
Employer matching contribution per dollar		1
Maximum matching contribution by employer as percentage of covered compensation		6.00%
10 or more years | Minimum
Schedule of The 401K Plan
Years of service		10 years

Employee Benefit Plans (Detai87

Employee Benefit Plans (Details 2) - USD ($)	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Pension Plan
Employee Benefit Plans
Requisite age of employees to be eligible for participation	21 years
Term of treasury note used to determine rate credited to participants' accounts	5 years
Basis spread on variable base rate used to calculate interest on participants' accounts balance (as a percent)	0.25%
Change in projected benefit obligation:
Benefit obligation, beginning of period	$ 35,953,000	$ 39,490,000
Interest cost on projected benefit obligation	1,281,000	1,216,000	$ 1,587,000
Actuarial (gain) loss	(625,000)	(1,436,000)	1,862,000
Benefits paid	(3,435,000)	(3,317,000)
Projected benefit obligation, end of period	33,174,000	35,953,000	39,490,000
Change in fair value of plan assets:
Fair value of plan assets, beginning of period	40,914,000	44,678,000
Actual gain (loss) on plan assets	1,898,000	(447,000)	(511,000)
Benefits paid	(3,435,000)	(3,317,000)
TCF contributions	0	0
Fair value of plan assets, end of period	39,377,000	40,914,000	44,678,000
Funded status of plans, end of period	6,203,000	4,961,000
Amounts recognized in the Consolidated Statements of Financial Condition:
Prepaid (accrued) benefit cost, end of period	6,203,000	4,961,000
Prior service cost included in accumulated other comprehensive income (loss)	0	0
Total recognized asset (liability)	6,203,000	4,961,000
Benefit obligation:
Accumulated benefit obligation	33,200,000	36,000,000
Postretirement Plan
Change in projected benefit obligation:
Benefit obligation, beginning of period	4,570,000	4,984,000
Interest cost on projected benefit obligation	151,000	154,000	198,000
Actuarial (gain) loss	(211,000)	(173,000)	(63,000)
Benefits paid	(346,000)	(395,000)
Projected benefit obligation, end of period	4,164,000	4,570,000	4,984,000
Change in fair value of plan assets:
Fair value of plan assets, beginning of period	0	0
Actual gain (loss) on plan assets	0	0
Benefits paid	(346,000)	(395,000)
TCF contributions	346,000	395,000
Fair value of plan assets, end of period	0	0	$ 0
Funded status of plans, end of period	(4,164,000)	(4,570,000)
Amounts recognized in the Consolidated Statements of Financial Condition:
Pension and Other Postretirement Defined Benefit Plans, Liabilities	(4,164,000)	(4,570,000)
Prior service cost included in accumulated other comprehensive income (loss)	239,000	285,000
Total recognized asset (liability)	$ (4,403,000)	$ (4,855,000)

Employee Benefit Plans (Detai88

Employee Benefit Plans (Details 3) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Pension Plan
Employee Benefit Plans
Fair value of plan assets	$ 39,377	$ 40,914	$ 44,678
Pension Plan | Measurement of fair value on a recurring basis
Employee Benefit Plans
Fair value of plan assets	39,371	40,884
Pension Plan | Measurement of fair value on a recurring basis | Collective investment fund
Employee Benefit Plans
Fair value of plan assets	4,989	4,729
Pension Plan | Measurement of fair value on a recurring basis | Level 1 | Fixed income mutual funds
Employee Benefit Plans
Fair value of plan assets	26,121	25,323
Pension Plan | Measurement of fair value on a recurring basis | Level 1 | Money market mutual funds
Employee Benefit Plans
Fair value of plan assets	2,430	3,406
Pension Plan | Measurement of fair value on a recurring basis | Level 1 | Cash
Employee Benefit Plans
Fair value of plan assets	65	87
Pension Plan | Measurement of fair value on a recurring basis | Level 2 | Mortgage-backed securities
Employee Benefit Plans
Fair value of plan assets	5,766	7,339
Postretirement Plan
Employee Benefit Plans
Fair value of plan assets	0	0	0
Defined Benefit Plan Changes Recognized in Accumulated Other Comprehensive Loss [Roll Forward]
Accumulated other comprehensive income (loss) before tax, beginning of period	(285)	(331)	(378)
Amortization of prior service credit (recognized in net periodic benefit cost)	46	46	47
Accumulated other comprehensive income (loss) before tax, end of period	$ (239)	$ (285)	$ (331)

Employee Benefit Plans (Detai89

Employee Benefit Plans (Details 4) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Pension Plan
Net periodic benefit cost included in compensation and employee benefits expense
Interest cost on projected benefit obligation	$ 1,281	$ 1,216	$ 1,587
(Gain) loss on plan assets	1,898	(447)	(511)
Recognized actuarial (gain) loss	(625)	(1,436)	1,862
Net periodic benefit plan (income) cost	(1,242)	227	3,960
Postretirement Plan
Net periodic benefit cost included in compensation and employee benefits expense
Interest cost on projected benefit obligation	151	154	198
(Gain) loss on plan assets	0	0
Recognized actuarial (gain) loss	(211)	(173)	(63)
Amortization of prior service cost	(46)	(46)	(47)
Net periodic benefit plan (income) cost	$ (106)	$ (65)	$ 88

Employee Benefit Plans (Detai90

Employee Benefit Plans (Details 5) - USD ($)	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Maximum
Employee Benefit Plans
Average estimated duration of Pension and Postretirement Plans	7 years
Minimum
Employee Benefit Plans
Average estimated duration of Pension and Postretirement Plans	6 years 8 months 12 days
Pension Plan
Employee Benefit Plans
Actual return (loss) on plan assets, net of administrative expenses (as a percent)	4.90%	(1.00%)	(1.00%)
Expected actuarial return on plan assets	$ 600,000	$ 600,000	$ 700,000
Actual gain (loss) on plan assets	$ 1,898,000	(447,000)	$ (511,000)
Weighted-average return of the indexes consistent with the Plan's current investment strategy, net of administrative expenses (as a percent)	1.40%
Change in net periodic benefit cost as a result of 1% difference in the expected return on plan assets	$ 400,000
Contributions to plan during the year	0	0
Pension Plan | Maximum
Employee Benefit Plans
Eligible contributions by employer	11,900,000
Postretirement Plan
Employee Benefit Plans
Actual gain (loss) on plan assets	0	0
Prior service credits expected to be recognized as components of net periodic benefit cost	46,000
Expected contribution	500,000
Contributions to plan during the year	$ 346,000	$ 395,000

Employee Benefit Plans (Detai91

Employee Benefit Plans (Details 6) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Pension Plan
Assumptions Used in Calculations
Discount rate	3.75%	3.25%	4.00%
Expected long-term rate of return on plan assets	1.50%	1.50%	1.50%
Discount rate	3.60%	3.75%
Expected future benefit payments used to determine projected benefit obligations
2,017	$ 3,111
2,018	3,110
2,019	3,128
2,020	2,980
2,021	2,317
2022-2026	$ 10,518
Postretirement Plan
Assumptions Used in Calculations
Discount rate	3.50%	3.25%	4.00%
Discount rate	3.40%	3.50%
Final health care cost trend rate	5.80%	5.90%
Final health care cost trend rate	4.50%	4.50%
Year that final health care trend rate is reached	2,038	2,038
1% change in assumed health care cost trend rates
Effect on total service and interest cost components, increase	$ 5
Effect on total service and interest cost components, decrease	(5)
Effect on postretirement benefits obligations, increase	145
Effect on postretirement benefits obligations, decrease	(133)
Expected future benefit payments used to determine projected benefit obligations
2,017	496
2,018	471
2,019	444
2,020	418
2,021	391
2022-2026	$ 1,564

Financial Instruments with Of92

Financial Instruments with Off-Balance Sheet Risk (Details) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
Financial instruments with off-balance sheet risk
Commitments to extend credit	$ 2,450,042	$ 2,169,812
Financial Instruments with Off-Balance Sheet Risk Amount	2,458,824	2,178,990
Standby letters of credit and guarantees on industrial revenue bonds
Financial instruments with off-balance sheet risk
Standby letters of credit and guarantees on industrial revenue bonds	8,782	9,178
Consumer Real Estate and Other
Financial instruments with off-balance sheet risk
Commitments to extend credit	1,425,585	1,402,088
Commercial
Financial instruments with off-balance sheet risk
Commitments to extend credit	898,809	639,465
Leasing and equipment finance
Financial instruments with off-balance sheet risk
Commitments to extend credit	$ 125,648	$ 128,259

Derivative Instruments (Details

Derivative Instruments (Details) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
Derivative assets
Gross Amounts Recognized	$ 6,320	$ 8,737
Gross Amounts Offset	(2,072)	(2,081)
Net Amount Presented	4,248	6,656
Derivative liabilities
Gross Amounts Recognized	4,365	3,827
Gross Amounts Offset	(3,716)	(3,703)
Net Amount Presented	649	124
Forward foreign exchange contracts | Designated as Hedges
Derivative assets
Notional Amount	61,760	47,409
Gross Amounts Recognized	1,082	858
Gross Amounts Offset	0	0
Net Amount Presented	1,082	858
Forward foreign exchange contracts | Not Designated as Hedges
Derivative assets
Notional Amount	250,018	260,678
Gross Amounts Recognized	2,995	5,057
Gross Amounts Offset	(1,439)	(2,081)
Net Amount Presented	1,556	2,976
Derivative liabilities
Notional Amount	115,336	187,902
Gross Amounts Recognized	469	1,192
Gross Amounts Offset	(445)	(1,081)
Net Amount Presented	24	111
Interest rate contracts | Designated as Hedges
Derivative liabilities
Notional Amount	150,000	150,000
Gross Amounts Recognized	1,320	142
Gross Amounts Offset	(1,320)	(142)
Net Amount Presented	0	0
Interest rate contracts | Not Designated as Hedges
Derivative assets
Notional Amount	149,499	111,347
Gross Amounts Recognized	1,925	2,093
Gross Amounts Offset	(633)	0
Net Amount Presented	1,292	2,093
Derivative liabilities
Notional Amount	149,499	111,347
Gross Amounts Recognized	1,936	2,175
Gross Amounts Offset	(1,332)	(2,175)
Net Amount Presented	604	0
Interest rate lock commitments | Not Designated as Hedges
Derivative assets
Notional Amount	27,954	50,667
Gross Amounts Recognized	318	729
Gross Amounts Offset	0	0
Net Amount Presented	318	729
Derivative liabilities
Notional Amount	2,947	3,218
Gross Amounts Recognized	21	13
Gross Amounts Offset	0	0
Net Amount Presented	21	13
Other contracts | Not Designated as Hedges
Derivative liabilities
Notional Amount	13,804	13,804
Gross Amounts Recognized	619	305
Gross Amounts Offset	(619)	(305)
Net Amount Presented	$ 0	$ 0

Derivative Instruments (Detai94

Derivative Instruments (Details 2) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Derivatives instruments, gain (loss)
Net gain (loss) recognized	$ (14,704)	$ 74,794	$ 38,958
Net investment hedges:
Net unrealized gain (loss)	(1,213)	7,613	3,126
Other Comprehensive Income (Loss) | Designated as Hedges | Net Investment Hedges
Net investment hedges:
Net unrealized gain (loss)	(1,213)	7,613	3,126
Non-interest income | Designated as Hedges | Fair Value Hedging
Derivatives instruments, gain (loss)
Net gain (loss) recognized	1,140	209	0
Interest rate contracts
Derivative, Collateral
Cash Collateral Posted	10,100
Interest rate contracts | Non-interest income | Designated as Hedges | Fair Value Hedging
Derivatives instruments, gain (loss)
Net gain (loss) recognized	(1,178)	(142)	0
Interest rate contracts | Non-interest income | Not Designated as Hedges
Derivatives instruments, gain (loss)
Net gain (loss) recognized	71	4	(79)
Forward foreign exchange contracts
Credit risk-related contingent features
Forward foreign exchange contracts with credit risk-related contingent features, notional value	78,100
Additional collateral required, if TCF was rated less than BB- by Standard and Poor's	1,600
Forward foreign exchange contracts containing credit risk-related features, net liability amount	0
Derivative, Collateral
Cash Collateral Received	3,800
Forward foreign exchange contracts | Non-interest expense | Not Designated as Hedges
Derivatives instruments, gain (loss)
Net gain (loss) recognized	(13,689)	74,292	38,752
Interest rate lock commitments | Non-interest income | Not Designated as Hedges
Derivatives instruments, gain (loss)
Net gain (loss) recognized	(419)	431	285
Other contracts
Derivative, Collateral
Cash Collateral Posted	1,400
Other contracts | Non-interest expense | Not Designated as Hedges
Derivatives instruments, gain (loss)
Net gain (loss) recognized	$ (629)	$ 0	$ 0

Fair Values Disclosures (Detail

Fair Values Disclosures (Details) $ in Millions	Dec. 31, 2016USD ($)
Subordinated bank notes | Maturity Year 2025
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt instrument, face amount	$ 150

Fair Values Disclosures (Deta96

Fair Values Disclosures (Details 2) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
Fair Value, Assets and liabilities measured at fair value on Recurring and Nonrecurring basis
Securities held to maturity	$ 181,314	$ 201,920
Other Real Estate Owned	46,800	50,000
U.S. Government sponsored enterprises and federal agencies
Fair Value, Assets and liabilities measured at fair value on Recurring and Nonrecurring basis
Securities held to maturity	178,514	197,410
Mortgage-backed securities, Other
Fair Value, Assets and liabilities measured at fair value on Recurring and Nonrecurring basis
Securities held to maturity	0	1,110
Measurement of fair value on a recurring basis
Fair Value, Assets and liabilities measured at fair value on Recurring and Nonrecurring basis
Assets, Fair value carrying amount	1,500,142	972,537
Liabilities, Fair value carrying amount	27,741	23,577
Measurement of fair value on a recurring basis | Loans and leases held for sale
Fair Value, Assets and liabilities measured at fair value on Recurring and Nonrecurring basis
Assets, Fair value carrying amount	6,498	10,568
Measurement of fair value on a recurring basis | Interest-Only-Strip
Fair Value, Assets and liabilities measured at fair value on Recurring and Nonrecurring basis
Assets, Fair value carrying amount	40,152	44,332
Measurement of fair value on a recurring basis | Forward foreign exchange contracts
Fair Value, Assets and liabilities measured at fair value on Recurring and Nonrecurring basis
Assets, Fair value carrying amount	4,077	5,915
Liabilities, Fair value carrying amount	469	1,192
Measurement of fair value on a recurring basis | Interest rate contracts
Fair Value, Assets and liabilities measured at fair value on Recurring and Nonrecurring basis
Assets, Fair value carrying amount	1,925	2,093
Liabilities, Fair value carrying amount	3,256	2,317
Measurement of fair value on a recurring basis | Interest rate lock commitments
Fair Value, Assets and liabilities measured at fair value on Recurring and Nonrecurring basis
Assets, Fair value carrying amount	318	729
Liabilities, Fair value carrying amount	21	13
Measurement of fair value on a recurring basis | Forward loan sales commitments
Fair Value, Assets and liabilities measured at fair value on Recurring and Nonrecurring basis
Assets, Fair value carrying amount	374	284
Liabilities, Fair value carrying amount	13	19
Measurement of fair value on a recurring basis | Assets held in trust for deferred compensation plans
Fair Value, Assets and liabilities measured at fair value on Recurring and Nonrecurring basis
Assets, Fair value carrying amount	23,363	19,731
Measurement of fair value on a recurring basis | Liabilities held in trust for deferred compensation plans
Fair Value, Assets and liabilities measured at fair value on Recurring and Nonrecurring basis
Liabilities, Fair value carrying amount	23,363	19,731
Measurement of fair value on a recurring basis | Other contracts
Fair Value, Assets and liabilities measured at fair value on Recurring and Nonrecurring basis
Liabilities, Fair value carrying amount	619	305
Measurement of fair value on a recurring basis | U.S. Government sponsored enterprises and federal agencies
Fair Value, Assets and liabilities measured at fair value on Recurring and Nonrecurring basis
Assets, Fair value carrying amount	810,891	621,930
Measurement of fair value on a recurring basis | Mortgage-backed securities, Other
Fair Value, Assets and liabilities measured at fair value on Recurring and Nonrecurring basis
Assets, Fair value carrying amount	18	34
Measurement of fair value on a recurring basis | Obligations of states and political subdivisions
Fair Value, Assets and liabilities measured at fair value on Recurring and Nonrecurring basis
Assets, Fair value carrying amount	612,526	266,921
Measurement of fair value on a non-recurring basis
Fair Value, Assets and liabilities measured at fair value on Recurring and Nonrecurring basis
Assets, Fair value carrying amount	151,546	179,645
Securities held to maturity	2,400	1,110
Loans	113,954	130,797
Repossessed and returned assets	5,567	4,870
Measurement of fair value on a non-recurring basis | Consumer real estate
Fair Value, Assets and liabilities measured at fair value on Recurring and Nonrecurring basis
Other Real Estate Owned	25,751	37,619
Measurement of fair value on a non-recurring basis | Commercial real estate
Fair Value, Assets and liabilities measured at fair value on Recurring and Nonrecurring basis
Other Real Estate Owned	3,874	5,249
Level 1 | Measurement of fair value on a recurring basis
Fair Value, Assets and liabilities measured at fair value on Recurring and Nonrecurring basis
Assets, Fair value carrying amount	23,363	19,731
Liabilities, Fair value carrying amount	23,363	19,731
Level 1 | Measurement of fair value on a recurring basis | Loans and leases held for sale
Fair Value, Assets and liabilities measured at fair value on Recurring and Nonrecurring basis
Assets, Fair value carrying amount	0	0
Level 1 | Measurement of fair value on a recurring basis | Interest-Only-Strip
Fair Value, Assets and liabilities measured at fair value on Recurring and Nonrecurring basis
Assets, Fair value carrying amount	0	0
Level 1 | Measurement of fair value on a recurring basis | Forward foreign exchange contracts
Fair Value, Assets and liabilities measured at fair value on Recurring and Nonrecurring basis
Assets, Fair value carrying amount	0	0
Liabilities, Fair value carrying amount	0	0
Level 1 | Measurement of fair value on a recurring basis | Interest rate contracts
Fair Value, Assets and liabilities measured at fair value on Recurring and Nonrecurring basis
Assets, Fair value carrying amount	0	0
Liabilities, Fair value carrying amount	0	0
Level 1 | Measurement of fair value on a recurring basis | Interest rate lock commitments
Fair Value, Assets and liabilities measured at fair value on Recurring and Nonrecurring basis
Assets, Fair value carrying amount	0	0
Liabilities, Fair value carrying amount	0	0
Level 1 | Measurement of fair value on a recurring basis | Forward loan sales commitments
Fair Value, Assets and liabilities measured at fair value on Recurring and Nonrecurring basis
Assets, Fair value carrying amount	0	0
Liabilities, Fair value carrying amount	0	0
Level 1 | Measurement of fair value on a recurring basis | Assets held in trust for deferred compensation plans
Fair Value, Assets and liabilities measured at fair value on Recurring and Nonrecurring basis
Assets, Fair value carrying amount	23,363	19,731
Level 1 | Measurement of fair value on a recurring basis | Liabilities held in trust for deferred compensation plans
Fair Value, Assets and liabilities measured at fair value on Recurring and Nonrecurring basis
Liabilities, Fair value carrying amount	23,363	19,731
Level 1 | Measurement of fair value on a recurring basis | Other contracts
Fair Value, Assets and liabilities measured at fair value on Recurring and Nonrecurring basis
Liabilities, Fair value carrying amount	0	0
Level 1 | Measurement of fair value on a recurring basis | U.S. Government sponsored enterprises and federal agencies
Fair Value, Assets and liabilities measured at fair value on Recurring and Nonrecurring basis
Assets, Fair value carrying amount	0	0
Level 1 | Measurement of fair value on a recurring basis | Mortgage-backed securities, Other
Fair Value, Assets and liabilities measured at fair value on Recurring and Nonrecurring basis
Assets, Fair value carrying amount	0	0
Level 1 | Measurement of fair value on a recurring basis | Obligations of states and political subdivisions
Fair Value, Assets and liabilities measured at fair value on Recurring and Nonrecurring basis
Assets, Fair value carrying amount	0	0
Level 1 | Measurement of fair value on a non-recurring basis
Fair Value, Assets and liabilities measured at fair value on Recurring and Nonrecurring basis
Assets, Fair value carrying amount	0	0
Securities held to maturity	0	0
Loans	0	0
Repossessed and returned assets	0	0
Level 1 | Measurement of fair value on a non-recurring basis | Consumer real estate
Fair Value, Assets and liabilities measured at fair value on Recurring and Nonrecurring basis
Other Real Estate Owned	0	0
Level 1 | Measurement of fair value on a non-recurring basis | Commercial real estate
Fair Value, Assets and liabilities measured at fair value on Recurring and Nonrecurring basis
Other Real Estate Owned	0	0
Level 2 | Measurement of fair value on a recurring basis
Fair Value, Assets and liabilities measured at fair value on Recurring and Nonrecurring basis
Assets, Fair value carrying amount	1,429,419	896,859
Liabilities, Fair value carrying amount	3,725	3,509
Level 2 | Measurement of fair value on a recurring basis | Loans and leases held for sale
Fair Value, Assets and liabilities measured at fair value on Recurring and Nonrecurring basis
Assets, Fair value carrying amount	0	0
Level 2 | Measurement of fair value on a recurring basis | Interest-Only-Strip
Fair Value, Assets and liabilities measured at fair value on Recurring and Nonrecurring basis
Assets, Fair value carrying amount	0	0
Level 2 | Measurement of fair value on a recurring basis | Forward foreign exchange contracts
Fair Value, Assets and liabilities measured at fair value on Recurring and Nonrecurring basis
Assets, Fair value carrying amount	4,077	5,915
Liabilities, Fair value carrying amount	469	1,192
Level 2 | Measurement of fair value on a recurring basis | Interest rate contracts
Fair Value, Assets and liabilities measured at fair value on Recurring and Nonrecurring basis
Assets, Fair value carrying amount	1,925	2,093
Liabilities, Fair value carrying amount	3,256	2,317
Level 2 | Measurement of fair value on a recurring basis | Interest rate lock commitments
Fair Value, Assets and liabilities measured at fair value on Recurring and Nonrecurring basis
Assets, Fair value carrying amount	0	0
Liabilities, Fair value carrying amount	0	0
Level 2 | Measurement of fair value on a recurring basis | Forward loan sales commitments
Fair Value, Assets and liabilities measured at fair value on Recurring and Nonrecurring basis
Assets, Fair value carrying amount	0	0
Liabilities, Fair value carrying amount	0	0
Level 2 | Measurement of fair value on a recurring basis | Assets held in trust for deferred compensation plans
Fair Value, Assets and liabilities measured at fair value on Recurring and Nonrecurring basis
Assets, Fair value carrying amount	0	0
Level 2 | Measurement of fair value on a recurring basis | Liabilities held in trust for deferred compensation plans
Fair Value, Assets and liabilities measured at fair value on Recurring and Nonrecurring basis
Liabilities, Fair value carrying amount	0	0
Level 2 | Measurement of fair value on a recurring basis | Other contracts
Fair Value, Assets and liabilities measured at fair value on Recurring and Nonrecurring basis
Liabilities, Fair value carrying amount	0	0
Level 2 | Measurement of fair value on a recurring basis | U.S. Government sponsored enterprises and federal agencies
Fair Value, Assets and liabilities measured at fair value on Recurring and Nonrecurring basis
Assets, Fair value carrying amount	810,891	621,930
Level 2 | Measurement of fair value on a recurring basis | Mortgage-backed securities, Other
Fair Value, Assets and liabilities measured at fair value on Recurring and Nonrecurring basis
Assets, Fair value carrying amount	0	0
Level 2 | Measurement of fair value on a recurring basis | Obligations of states and political subdivisions
Fair Value, Assets and liabilities measured at fair value on Recurring and Nonrecurring basis
Assets, Fair value carrying amount	612,526	266,921
Level 2 | Measurement of fair value on a non-recurring basis
Fair Value, Assets and liabilities measured at fair value on Recurring and Nonrecurring basis
Assets, Fair value carrying amount	2,767	2,673
Securities held to maturity	0	0
Loans	0	0
Repossessed and returned assets	2,767	2,673
Level 2 | Measurement of fair value on a non-recurring basis | Consumer real estate
Fair Value, Assets and liabilities measured at fair value on Recurring and Nonrecurring basis
Other Real Estate Owned	0	0
Level 2 | Measurement of fair value on a non-recurring basis | Commercial real estate
Fair Value, Assets and liabilities measured at fair value on Recurring and Nonrecurring basis
Other Real Estate Owned	0	0
Level 3 | Measurement of fair value on a recurring basis
Fair Value, Assets and liabilities measured at fair value on Recurring and Nonrecurring basis
Assets, Fair value carrying amount	47,360	55,947
Liabilities, Fair value carrying amount	653	337
Level 3 | Measurement of fair value on a recurring basis | Loans and leases held for sale
Fair Value, Assets and liabilities measured at fair value on Recurring and Nonrecurring basis
Assets, Fair value carrying amount	6,498	10,568
Level 3 | Measurement of fair value on a recurring basis | Interest-Only-Strip
Fair Value, Assets and liabilities measured at fair value on Recurring and Nonrecurring basis
Assets, Fair value carrying amount	40,152	44,332
Level 3 | Measurement of fair value on a recurring basis | Forward foreign exchange contracts
Fair Value, Assets and liabilities measured at fair value on Recurring and Nonrecurring basis
Assets, Fair value carrying amount	0	0
Liabilities, Fair value carrying amount	0	0
Level 3 | Measurement of fair value on a recurring basis | Interest rate contracts
Fair Value, Assets and liabilities measured at fair value on Recurring and Nonrecurring basis
Assets, Fair value carrying amount	0	0
Liabilities, Fair value carrying amount	0	0
Level 3 | Measurement of fair value on a recurring basis | Interest rate lock commitments
Fair Value, Assets and liabilities measured at fair value on Recurring and Nonrecurring basis
Assets, Fair value carrying amount	318	729
Liabilities, Fair value carrying amount	21	13
Level 3 | Measurement of fair value on a recurring basis | Forward loan sales commitments
Fair Value, Assets and liabilities measured at fair value on Recurring and Nonrecurring basis
Assets, Fair value carrying amount	374	284
Liabilities, Fair value carrying amount	13	19
Level 3 | Measurement of fair value on a recurring basis | Assets held in trust for deferred compensation plans
Fair Value, Assets and liabilities measured at fair value on Recurring and Nonrecurring basis
Assets, Fair value carrying amount	0	0
Level 3 | Measurement of fair value on a recurring basis | Liabilities held in trust for deferred compensation plans
Fair Value, Assets and liabilities measured at fair value on Recurring and Nonrecurring basis
Liabilities, Fair value carrying amount	0	0
Level 3 | Measurement of fair value on a recurring basis | Other contracts
Fair Value, Assets and liabilities measured at fair value on Recurring and Nonrecurring basis
Liabilities, Fair value carrying amount	619	305
Level 3 | Measurement of fair value on a recurring basis | U.S. Government sponsored enterprises and federal agencies
Fair Value, Assets and liabilities measured at fair value on Recurring and Nonrecurring basis
Assets, Fair value carrying amount	0	0
Level 3 | Measurement of fair value on a recurring basis | Mortgage-backed securities, Other
Fair Value, Assets and liabilities measured at fair value on Recurring and Nonrecurring basis
Assets, Fair value carrying amount	18	34
Level 3 | Measurement of fair value on a recurring basis | Obligations of states and political subdivisions
Fair Value, Assets and liabilities measured at fair value on Recurring and Nonrecurring basis
Assets, Fair value carrying amount	0	0
Level 3 | Measurement of fair value on a non-recurring basis
Fair Value, Assets and liabilities measured at fair value on Recurring and Nonrecurring basis
Assets, Fair value carrying amount	148,779	176,972
Securities held to maturity	2,400	1,110
Loans	113,954	130,797
Repossessed and returned assets	2,800	2,197
Level 3 | Measurement of fair value on a non-recurring basis | Consumer real estate
Fair Value, Assets and liabilities measured at fair value on Recurring and Nonrecurring basis
Other Real Estate Owned	25,751	37,619
Level 3 | Measurement of fair value on a non-recurring basis | Commercial real estate
Fair Value, Assets and liabilities measured at fair value on Recurring and Nonrecurring basis
Other Real Estate Owned	$ 3,874	$ 5,249

Fair Values Disclosures (Deta97

Fair Values Disclosures (Details 3) - Level 3 - Measurement of fair value on a recurring basis - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Interest rate lock commitments
Fair Value, Net Derivative Asset (Liability) Measured on Recurring Basis, Unobservable Input Reconciliation [Roll Forward]
Beginning balance	$ 716	$ 285	$ 0
Net income	(419)	431	285
Other comprehensive income (loss)	0
Sales	0	0	0
Originations	0	0	0
Principal paydowns / settlements	0	0	0
Ending balance	297	716	285
Forward loan sales commitments
Fair Value, Net Derivative Asset (Liability) Measured on Recurring Basis, Unobservable Input Reconciliation [Roll Forward]
Beginning balance	265	(23)	0
Net income	96	288	(23)
Other comprehensive income (loss)	0
Sales	0	0	0
Originations	0	0	0
Principal paydowns / settlements	0	0	0
Ending balance	361	265	(23)
Other Contract
Fair Value, Net Derivative Asset (Liability) Measured on Recurring Basis, Unobservable Input Reconciliation [Roll Forward]
Beginning balance	(305)	(621)	(899)
Net income	(629)	0	(47)
Other comprehensive income (loss)	0
Sales	0	0	0
Originations	0	0	0
Principal paydowns / settlements	315	316	325
Ending balance	(619)	(305)	(621)
Securities available for sale
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Beginning balance	34	55	93
Net income	0	0	0
Other comprehensive income (loss)	0
Sales	0	0	0
Originations	0	0	0
Principal paydowns / settlements	(16)	(21)	(38)
Ending balance	18	34	55
Loans and leases held for sale
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Beginning balance	10,568	3,308	0
Net income	(48)	(68)	72
Other comprehensive income (loss)	0
Sales	(343,949)	(289,751)	(39,246)
Originations	339,930	297,079	42,482
Principal paydowns / settlements	(3)	0	0
Ending balance	6,498	10,568	3,308
Interest-Only-Strip
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Beginning balance	44,332	69,789	84,561
Net income	2,980	6,960	6,836
Other comprehensive income (loss)	159
Sales	0	0	0
Originations	22,620	7,495	28,743
Principal paydowns / settlements	(29,939)	(39,912)	(50,351)
Ending balance	$ 40,152	$ 44,332	$ 69,789

Fair Values Disclosures (Deta98

Fair Values Disclosures (Details 4) - Loans and leases held for sale - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Fair Value, Option, Quantitative Disclosures [Line Items]
Fair value carrying amount	$ 6,498	$ 10,568
Aggregate unpaid principal amount	6,563	10,547
Fair value carrying amount less aggregate unpaid principal	(65)	21
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	$ 7,600	$ 6,300	$ 900

Fair Values Disclosures (Deta99

Fair Values Disclosures (Details 5) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Financial instrument assets:
Securities held to maturity	$ 181,314	$ 201,920
Loans:
Consumer real estate	5,084,352	5,464,272
Inventory finance	2,470,175	2,146,754
Auto finance	2,647,741	2,647,596
Other	18,771	19,297
Allowance for loan losses	(160,269)	(156,054)	$ (164,169)	$ (252,230)
Carrying Amount
Financial instrument assets:
Investments	74,714	70,537
Securities held to maturity	181,314	201,920
Loans and leases held for sale	268,832	157,625
Loans:
Consumer real estate	5,084,352	5,464,272
Commercial real estate	2,634,191	2,593,429
Commercial business	652,287	552,403
Equipment finance	2,016,732	1,909,672
Inventory finance	2,470,175	2,146,754
Auto finance	2,647,741	2,647,596
Other	18,771	19,297
Allowance for loan losses	(160,269)	(156,054)
Securitization receivable	18,835
Total financial instrument assets	15,907,675	15,607,451
Financial instrument liabilities:
Deposits	17,242,522	16,719,989
Long-term borrowings	1,073,181	1,034,557
Total financial instrument liabilities	18,315,703	17,754,546
Financial instruments with off-balance sheet risk:
Commitments to extend credit	21,681	23,937
Standby letters of credit	(29)	(35)
Total financial instruments with off-balance sheet risk	21,652	23,902
Estimated Fair Value
Financial instrument assets:
Investments	74,714	70,537
Securities held to maturity	183,946	206,953
Loans and leases held for sale	282,786	165,387
Loans:
Consumer real estate	5,165,062	5,543,273
Commercial real estate	2,583,775	2,556,018
Commercial business	631,215	531,274
Equipment finance	1,983,237	1,888,664
Inventory finance	2,453,184	2,132,435
Auto finance	2,656,266	2,650,429
Other	17,780	14,699
Allowance for loan losses	0	0
Securitization receivable	18,835
Total financial instrument assets	16,050,800	15,759,669
Financial instrument liabilities:
Deposits	17,262,784	16,743,630
Long-term borrowings	1,076,639	1,041,273
Total financial instrument liabilities	18,339,423	17,784,903
Financial instruments with off-balance sheet risk:
Commitments to extend credit	21,681	23,937
Standby letters of credit	(29)	(35)
Total financial instruments with off-balance sheet risk	21,652	23,902
Estimated Fair Value | 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
Securitization receivable	0
Total financial instrument assets	0	0
Financial instrument liabilities:
Deposits	13,150,099	12,816,196
Long-term borrowings	0	0
Total financial instrument liabilities	13,150,099	12,816,196
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
Estimated Fair Value | Level 2
Financial instrument assets:
Investments	74,714	70,537
Securities held to maturity	181,146	202,443
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
Securitization receivable	0
Total financial instrument assets	255,860	272,980
Financial instrument liabilities:
Deposits	4,112,685	3,927,434
Long-term borrowings	1,073,875	1,035,846
Total financial instrument liabilities	5,186,560	4,963,280
Financial instruments with off-balance sheet risk:
Commitments to extend credit	21,681	23,937
Standby letters of credit	(29)	(35)
Total financial instruments with off-balance sheet risk	21,652	23,902
Estimated Fair Value | Level 3
Financial instrument assets:
Investments	0	0
Securities held to maturity	2,800	4,510
Loans and leases held for sale	282,786	165,387
Loans:
Consumer real estate	5,165,062	5,543,273
Commercial real estate	2,583,775	2,556,018
Commercial business	631,215	531,274
Equipment finance	1,983,237	1,888,664
Inventory finance	2,453,184	2,132,435
Auto finance	2,656,266	2,650,429
Other	17,780	14,699
Allowance for loan losses	0	0
Securitization receivable	18,835
Total financial instrument assets	15,794,940	15,486,689
Financial instrument liabilities:
Deposits	0	0
Long-term borrowings	2,764	5,427
Total financial instrument liabilities	2,764	5,427
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

Earnings Per Common Share (Deta

Earnings Per Common Share (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Basic Earnings Per Common Share:
Net income available to common stockholders	$ 192,736	$ 177,735	$ 154,799
Earnings allocated to participating securities	49	45	40
Earnings allocated to common stock	$ 192,687	$ 177,690	$ 154,759
Weighted-average common shares outstanding for basic earnings per common share (in shares)	167,219,964	165,696,678	163,581,435
Basic earnings per common share (in dollars per share)	$ 1.15	$ 1.07	$ 0.95
Diluted Earnings Per Common Share:
Earnings allocated to common stock	$ 192,687	$ 177,690	$ 154,759
Weighted-average common shares outstanding used in basic earnings per common share calculation (in shares)	167,219,964	165,696,678	163,581,435
Net dilutive effect of:
Non-participating restricted stock (in shares)	505,162	335,193	250,499
Stock options (in shares)	82,325	210,049	252,892
Weighted-average common shares outstanding for diluted earnings per common share (in shares)	167,807,451	166,241,920	164,084,826
Diluted earnings per common share (in dollars per share)	$ 1.15	$ 1.07	$ 0.94

Earnings Per Common Share (D101

Earnings Per Common Share (Details 2) - shares shares in Millions	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 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 (in shares)	4.7	4.5	4.2

Other Expense (Details)

Other Expense (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Other Income and Expenses [Abstract]
Loan and lease processing	$ 26,193	$ 24,641	$ 20,294
Advertising and marketing	22,264	22,782	22,943
Professional fees	19,335	19,615	18,949
FDIC insurance	15,912	20,262	25,123
Card processing and issuance cost	15,856	16,591	16,588
Outside processing	15,313	14,332	13,288
Other	116,547	111,032	110,785
Total other expense	$ 231,420	$ 229,255	$ 227,970

Business Segments (Details)

Business Segments (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Segment Reporting Information
Net interest income	$ 848,106	$ 820,388	$ 815,629
Provision for credit losses	65,874	52,944	95,737
Non-interest income	465,900	441,998	433,267
Non-interest expense	909,887	894,747	871,777
Income tax expense (benefit)	116,528	108,872	99,766
Income after income tax expense	221,717	205,823	181,616
Income attributable to non-controlling interest	9,593	8,700	7,429
Preferred stock dividends	19,388	19,388	19,388
Net income available to common stockholders	192,736	177,735	154,799
Total assets	21,441,326	20,689,609	19,393,656
Revenues from external customers:
Interest income	930,730	891,930	874,229
Non-interest income	465,900	441,998	433,267
Total	1,396,630	1,333,928	1,307,496
Operating segments | Consumer banking
Segment Reporting Information
Net interest income	559,851	536,714	511,663
Provision for credit losses	50,819	44,328	89,895
Non-interest income	336,991	320,399	326,048
Non-interest expense	652,460	645,939	619,526
Income tax expense (benefit)	69,523	61,384	47,906
Income after income tax expense	124,040	105,462	80,384
Income attributable to non-controlling interest	0	0	0
Preferred stock dividends	0	0	0
Net income available to common stockholders	124,040	105,462	80,384
Total assets	8,671,126	8,954,807	8,443,343
Revenues from external customers:
Interest income	443,959	434,674	433,954
Non-interest income	336,991	320,399	326,048
Total	780,950	755,073	760,002
Operating segments | Wholesale banking
Segment Reporting Information
Net interest income	343,653	339,934	326,291
Provision for credit losses	15,055	8,616	5,842
Non-interest income	128,881	119,779	105,624
Non-interest expense	247,115	244,921	237,221
Income tax expense (benefit)	70,805	70,127	66,475
Income after income tax expense	139,559	136,049	122,377
Income attributable to non-controlling interest	9,593	8,700	7,429
Preferred stock dividends	0	0	0
Net income available to common stockholders	129,966	127,349	114,948
Total assets	10,379,951	9,558,406	8,969,814
Revenues from external customers:
Interest income	452,882	431,764	418,064
Non-interest income	128,881	119,779	105,624
Total	581,763	551,543	523,688
Operating segments | Enterprise services
Segment Reporting Information
Net interest income	(55,398)	(56,260)	(22,325)
Provision for credit losses	0	0	0
Non-interest income	28	1,820	1,595
Non-interest expense	10,312	3,887	15,030
Income tax expense (benefit)	(23,800)	(22,639)	(14,615)
Income after income tax expense	(41,882)	(35,688)	(21,145)
Income attributable to non-controlling interest	0	0	0
Preferred stock dividends	19,388	19,388	19,388
Net income available to common stockholders	(61,270)	(55,076)	(40,533)
Total assets	2,390,249	2,176,396	1,980,499
Revenues from external customers:
Interest income	33,889	25,492	22,211
Non-interest income	28	1,820	1,595
Total	$ 33,917	$ 27,312	$ 23,806

Parent Company Financial Inf104

Parent Company Financial Information (Details) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Assets:
Other assets	$ 555,858	$ 529,786
Total assets	21,441,326	20,689,609	$ 19,393,656
Liabilities and Equity:
Other liabilities	676,587	622,765
Total liabilities	18,996,681	18,382,692
Equity	2,427,483	2,290,916
Total liabilities and equity	21,441,326	20,689,609
TCF Financial Corporation
Assets:
Cash and due from bank	69,711	69,503	$ 71,781	$ 62,775
Investment in bank subsidiary	2,338,885	2,205,818
Accounts receivable from bank subsidiary	19,967	16,217
Other assets	9,476	9,216
Total assets	2,438,039	2,300,754
Liabilities and Equity:
Other liabilities	10,556	9,838
Total liabilities	10,556	9,838
Equity	2,427,483	2,290,916
Total liabilities and equity	$ 2,438,039	$ 2,300,754

Parent Company Financial Inf105

Parent Company Financial Information (Details 2) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Condensed Statements of (Loss) Income
Other	$ 8,883	$ 10,463	$ 10,704
Compensation and employee benefits	474,722	457,743	452,942
Occupancy and equipment	149,980	144,962	139,023
Other	231,420	229,255	227,970
Total non-interest expense	909,887	894,747	871,777
Income before income tax expense	338,245	314,695	281,382
Income tax benefit	(116,528)	(108,872)	(99,766)
Net income	212,124	197,123	174,187
Preferred stock dividends	19,388	19,388	19,388
Net income available to common stockholders	192,736	177,735	154,799
TCF Financial Corporation
Condensed Statements of (Loss) Income
Interest income	155	306	365
Dividends from TCF Bank	63,000	25,000	19,000
Affiliate service fees	17,657	17,281	22,461
Other	5	1,733	1,178
Total non-interest Income	80,662	44,014	42,639
Compensation and employee benefits	17,578	13,905	21,193
Occupancy and equipment	370	342	338
Other	3,545	5,344	3,436
Total non-interest expense	21,493	19,591	24,967
Income before income tax expense	59,324	24,729	18,037
Income tax benefit	1,010	435	52
Income before equity in undistributed earnings of subsidiary	60,334	25,164	18,089
Equity in undistributed earnings of bank subsidiary	151,790	171,959	156,098
Net income	212,124	197,123	174,187
Preferred stock dividends	19,388	19,388	19,388
Net income available to common stockholders	$ 192,736	$ 177,735	$ 154,799

Parent Company Financial Inf106

Parent Company Financial Information (Details 3) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Condensed Statements of Cash Flows
Net Income	$ 221,717	$ 205,823	$ 181,616
Net Retained Profits for Current Year Combined with Retained Net Profits for Preceding Two Calendar Years	479,800
Adjustments to reconcile net income to net cash provided by (used in) operating activities:
Gains on sales of assets, net	(97,383)	(80,471)	(90,736)
Other, net	(24,667)	(29,439)	(32,571)
Cash flows from investing activities:
Proceeds from sales of securities available for sale	0	177	2,813
Purchases of premises and equipment	(34,513)	(53,594)	(45,469)
Cash flows from financing activities:
Dividends paid on preferred stock	(19,388)	(19,388)	(19,388)
Dividends paid on common stock	(50,182)	(37,302)	(32,731)
Stock compensation tax (expense) benefit	(377)	558	1,316
Exercise of stock options	(701)	2,570	740
TCF Financial Corporation
Condensed Statements of Cash Flows
Net Income	212,124	197,123	174,187
Adjustments to reconcile net income to net cash provided by (used in) operating activities:
Equity in undistributed earnings of bank subsidiary	(151,790)	(171,959)	(156,098)
Gains on sales of assets, net	0	(50)	(1,177)
Other, net	4,731	1,308	16,430
Net Cash Provided by (Used in) Operating Activities	65,065	26,422	33,342
Cash flows from investing activities:
Proceeds from sales of securities available for sale	0	0	2,813
Purchases of premises and equipment	(69)	(65)	(260)
Proceeds from sales of premises and equipment	22	92	91
Net Cash Provided by (Used in) Investing Activities	(47)	27	2,644
Cash flows from financing activities:
Dividends paid on preferred stock	(19,388)	(19,388)	(19,388)
Dividends paid on common stock	(50,182)	(37,302)	(32,731)
Common shares sold to TCF employee benefit plans	5,838	24,835	23,083
Stock compensation tax (expense) benefit	(377)	558	1,316
Exercise of stock options	(701)	2,570	740
Net Cash Provided by (Used in) Financing Activities	(64,810)	(28,727)	(26,980)
Net change in cash and due from bank	208	(2,278)	9,006
Cash and due from bank at beginning of period	69,503	71,781	62,775
Cash and due from bank at end of period	$ 69,711	$ 69,503	$ 71,781

Accumulated Other Comprehens107

Accumulated Other Comprehensive Income (Loss) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Accumulated Other Comprehensive Income (Loss)
Total other comprehensive income (loss), before tax	$ (30,454)	$ (2,101)	$ 28,370
Total other comprehensive income (loss), tax	12,075	(2,335)	(12,067)
Unrealized gains (losses) arising during the period, net of tax	(19,541)	(5,159)	16,380
Reclassification of net (gains) losses to net income, net of tax	1,162	723	(77)
Total other comprehensive income (loss), net of tax	(18,379)	(4,436)	16,303
Available-for-sale Securities Transferred to Held-to-maturity Securities Value			191,700
Unrealized Holding Gain (Loss) Transfers from Available for Sale to Held to Maturity Retained in Accumulated Other Comprehensive Income	13,000	14,800
Net unrealized gains (losses) on securities available for sale and interest-only strips:
Accumulated Other Comprehensive Income (Loss)
Unrealized gains (losses) arising during the period, before tax	(32,408)	(2,523)	29,071
Reclassification of net (gains) losses to net income, before tax	1,913	1,159	(76)
Total other comprehensive income (loss), before tax	(30,495)	(1,364)	28,995
Unrealized gains (losses) arising during the period, tax	12,323	955	(10,932)
Reclassification of net (gains) losses to net income, tax	(722)	(407)	29
Total other comprehensive income (loss), tax	11,601	548	(10,903)
Unrealized gains (losses) arising during the period, net of tax	(20,085)	(1,568)	18,139
Reclassification of net (gains) losses to net income, net of tax	1,191	752	(47)
Total other comprehensive income (loss), net of tax	(18,894)	(816)	18,092
Net unrealized gains (losses) on net investment hedges
Accumulated Other Comprehensive Income (Loss)
Unrealized gains (losses) arising during the period, before tax	(1,213)	7,613	3,126
Unrealized gains (losses) arising during the period, tax	457	(2,900)	(1,181)
Unrealized gains (losses) arising during the period, net of tax	(756)	4,713	1,945
Reclassification of net (gains) losses to net income, net of tax	0	0	0
Total other comprehensive income (loss), net of tax	(756)	4,713	1,945
Foreign currency translation adjustment
Accumulated Other Comprehensive Income (Loss)
Unrealized gains (losses) arising during the period, before tax	1,300	(8,304)	(3,704)
Unrealized gains (losses) arising during the period, tax	0	0	0
Unrealized gains (losses) arising during the period, net of tax	1,300	(8,304)	(3,704)
Reclassification of net (gains) losses to net income, net of tax	0	0	0
Total other comprehensive income (loss), net of tax	1,300	(8,304)	(3,704)
Recognized postretirement prior service cost:
Accumulated Other Comprehensive Income (Loss)
Reclassification of net (gains) losses to net income, before tax	(46)	(46)	(47)
Reclassification of net (gains) losses to net income, tax	17	17	17
Unrealized gains (losses) arising during the period, net of tax	0	0	0
Reclassification of net (gains) losses to net income, net of tax	(29)	(29)	(30)
Total other comprehensive income (loss), net of tax	$ (29)	$ (29)	$ (30)

Accumulated Other Comprehens108

Accumulated Other Comprehensive Income (Loss) (Details 2) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Changes in accumulated other comprehensive income by component
Comprehensive income at the beginning of the period	$ (15,346)	$ (10,910)	$ (27,213)
Other comprehensive income (loss)	(19,541)	(5,159)	16,380
Amounts reclassified from accumulated other comprehensive income (loss)	1,162	723	(77)
Total other comprehensive income (loss), net of tax	(18,379)	(4,436)	16,303
Comprehensive income at the end of the period	(33,725)	(15,346)	(10,910)
Securities Available for Sale and Interest-only Strips
Changes in accumulated other comprehensive income by component
Comprehensive income at the beginning of the period	(9,707)	(8,891)	(26,983)
Other comprehensive income (loss)	(20,085)	(1,568)	18,139
Amounts reclassified from accumulated other comprehensive income (loss)	1,191	752	(47)
Total other comprehensive income (loss), net of tax	(18,894)	(816)	18,092
Comprehensive income at the end of the period	(28,601)	(9,707)	(8,891)
Net Investment Hedges
Changes in accumulated other comprehensive income by component
Comprehensive income at the beginning of the period	7,249	2,536	591
Other comprehensive income (loss)	(756)	4,713	1,945
Amounts reclassified from accumulated other comprehensive income (loss)	0	0	0
Total other comprehensive income (loss), net of tax	(756)	4,713	1,945
Comprehensive income at the end of the period	6,493	7,249	2,536
Foreign Currency Translation
Changes in accumulated other comprehensive income by component
Comprehensive income at the beginning of the period	(13,064)	(4,760)	(1,056)
Other comprehensive income (loss)	1,300	(8,304)	(3,704)
Amounts reclassified from accumulated other comprehensive income (loss)	0	0	0
Total other comprehensive income (loss), net of tax	1,300	(8,304)	(3,704)
Comprehensive income at the end of the period	(11,764)	(13,064)	(4,760)
Recognized postretirement prior service cost:
Changes in accumulated other comprehensive income by component
Comprehensive income at the beginning of the period	176	205	235
Other comprehensive income (loss)	0	0	0
Amounts reclassified from accumulated other comprehensive income (loss)	(29)	(29)	(30)
Total other comprehensive income (loss), net of tax	(29)	(29)	(30)
Comprehensive income at the end of the period	$ 147	$ 176	$ 205