TCF Financial 10-Q 5 May 17 2017 Q1 Quarterly report Financial data

Document and Entity Information

Document and Entity Information - shares	3 Months Ended
	Mar. 31, 2017	Apr. 28, 2017
Document and Entity Information
Entity Registrant Name	TCF FINANCIAL CORP
Entity Central Index Key	814,184
Current Fiscal Year End Date	--12-31
Entity Filer Category	Large Accelerated Filer
Document Type	10-Q
Document Period End Date	Mar. 31, 2017
Document Fiscal Year Focus	2,017
Document Fiscal Period Focus	Q1
Amendment Flag	false
Entity Common Stock, Shares Outstanding		171,230,663

Consolidated Statements of Fina

Consolidated Statements of Financial Condition - USD ($) $ in Thousands	Mar. 31, 2017	Dec. 31, 2016
Assets:
Cash and due from banks	$ 468,584	$ 609,603
Investments	81,717	74,714
Securities held to maturity	176,236	181,314
Securities available for sale	1,475,950	1,423,435
Loans and leases held for sale	605,631	268,832
Consumer real estate:
First mortgage lien	2,166,691	2,292,596
Junior lien	2,494,696	2,791,756
Total consumer real estate	4,661,387	5,084,352
Commercial	3,376,050	3,286,478
Leasing and equipment finance	4,276,008	4,336,310
Inventory finance	2,864,248	2,470,175
Auto finance	2,780,416	2,647,741
Other	16,785	18,771
Total loans and leases	17,974,894	17,843,827
Allowance for loan and lease losses	(160,166)	(160,269)
Net loans and leases	17,814,728	17,683,558
Premises and equipment, net	423,055	418,372
Goodwill	225,640	225,640
Other assets	565,027	555,858
Total assets	21,836,568	21,441,326
Deposits:
Checking	6,218,654	6,009,151
Savings	4,850,742	4,719,481
Money market	2,301,643	2,421,467
Certificates of deposit	4,094,551	4,092,423
Total deposits	17,465,590	17,242,522
Short-term borrowings	5,432	4,391
Long-term borrowings	1,241,155	1,073,181
Total borrowings	1,246,587	1,077,572
Accrued expenses and other liabilities	633,728	676,587
Total liabilities	19,345,905	18,996,681
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; 170,983,828 and 171,034,506 shares issued, respectively	1,710	1,710
Additional paid-in capital	853,024	862,776
Retained earnings, subject to certain restrictions	1,410,418	1,382,901
Accumulated other comprehensive income (loss)	(30,695)	(33,725)
Treasury stock at cost, 42,566 shares, and other	(33,585)	(49,419)
Total TCF Financial Corporation stockholders' equity	2,464,112	2,427,483
Non-controlling interest in subsidiaries	26,551	17,162
Total equity	2,490,663	2,444,645
Total liabilities and equity	$ 21,836,568	$ 21,441,326

Consolidated Statements of Fin3

Consolidated Statements of Financial Condition (Parenthetical) - $ / shares	Mar. 31, 2017	Dec. 31, 2016
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)	170,983,828	171,034,506
Treasury stock at cost, shares (shares)	42,566	42,566

Consolidated Statements of Inco

Consolidated Statements of Income - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2017	Mar. 31, 2016
Interest income:
Loans and leases	$ 219,548	$ 214,805
Securities available for sale	7,980	5,498
Securities held to maturity	1,280	1,319
Loans held for sale and other	13,499	10,720
Total interest income	242,307	232,342
Interest expense:
Deposits	13,715	14,991
Borrowings	6,478	5,693
Total interest expense	20,193	20,684
Net interest income	222,114	211,658
Provision for credit losses	12,193	18,842
Net interest income after provision for credit losses	209,921	192,816
Non-interest income:
Fees and service charges	31,282	32,817
Card revenue	13,150	13,363
ATM revenue	4,675	5,021
Subtotal	49,107	51,201
Gains on sales of auto loans, net	2,864	11,920
Gains on sales of consumer real estate loans, net	8,891	9,384
Servicing fee income	11,651	8,883
Subtotal	23,406	30,187
Leasing and equipment finance	28,298	28,487
Other	2,703	2,843
Fees and other revenue	103,514	112,718
Gains (losses) on securities, net	0	(116)
Total non-interest income	103,514	112,602
Non-interest expense:
Compensation and employee benefits	124,477	124,473
Occupancy and equipment	39,600	37,008
Other	64,037	53,348
Subtotal	228,114	214,829
Operating lease depreciation	11,242	9,573
Foreclosed real estate and repossessed assets, net	4,549	3,920
Other credit costs, net	101	12
Total non-interest expense	244,006	228,334
Income before income tax expense	69,429	77,084
Income tax expense	20,843	26,803
Income after income tax expense	48,586	50,281
Income attributable to non-controlling interest	2,308	2,235
Net income attributable to TCF Financial Corporation	46,278	48,046
Preferred stock dividends	4,847	4,847
Net income available to common stockholders	$ 41,431	$ 43,199
Net income per common share:
Basic (in dollars per share)	$ 0.25	$ 0.26
Diluted (in dollars per share)	$ 0.25	$ 0.26

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2017	Mar. 31, 2016
Statement of Comprehensive Income [Abstract]
Net income attributable to TCF Financial Corporation	$ 46,278	$ 48,046
Other comprehensive income (loss), net of tax:
Net unrealized gains (losses) on securities available for sale and interest-only strips	2,769	12,037
Net unrealized gains (losses) on net investment hedges	(313)	(2,020)
Foreign currency translation adjustment	581	3,409
Recognized postretirement prior service cost	(7)	(7)
Total other comprehensive income (loss), net of tax	3,030	13,419
Comprehensive income	$ 49,308	$ 61,465

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 (in shares) at Dec. 31, 2015			4,006,900	169,887,030
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
Increase (Decrease) in Equity
Net income	50,281	48,046				48,046			2,235
Other comprehensive income (loss), net of tax	13,419	13,419					13,419
Noncontrolling Interest, Increase from Subsidiary Equity Issuance	7,692								7,692
Dividends on preferred stock	(4,847)	(4,847)				(4,847)
Dividends on common stock	(12,515)	(12,515)				(12,515)
Common shares purchased by TCF employee benefit plans (in shares)				511,420
Common shares purchased by TCF employee benefit plans	5,838	5,838		$ 5	5,833
Stock Issued During Period, Shares, Share-based Compensation, Net of Forfeitures				248,805
Stock Issued During Period, Value, Share-based Compensation, Net of Forfeitures	2,056	2,056		$ 3	2,053
Change in shares held in trust for deferred compensation plans, at cost					585			(585)
Balance (in shares) at Mar. 31, 2016			4,006,900	170,647,255
Balance at Mar. 31, 2016	2,368,841	2,342,913	$ 263,240	$ 1,707	860,307	1,271,031	(1,927)	(51,445)	25,928
Balance (in shares) at Dec. 31, 2016			4,006,900	171,034,506
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
Increase (Decrease) in Equity
Change in accounting principle					1,319	(1,319)
Net income	48,586	46,278				46,278			2,308
Other comprehensive income (loss), net of tax	3,030	3,030					3,030
Noncontrolling Interest, Increase from Subsidiary Equity Issuance	7,081								7,081
Dividends on preferred stock	(4,847)	(4,847)				(4,847)
Dividends on common stock	(12,595)	(12,595)				(12,595)
Common shares purchased by TCF employee benefit plans (in shares)				366,591
Common shares purchased by TCF employee benefit plans	6,446	6,446		$ 4	6,442
Stock Issued During Period, Shares, Share-based Compensation, Net of Forfeitures				(417,269)
Stock Issued During Period, Value, Share-based Compensation, Net of Forfeitures	(1,683)	(1,683)		$ (4)	(1,679)
Change in shares held in trust for deferred compensation plans, at cost					(15,834)			15,834
Balance (in shares) at Mar. 31, 2017			4,006,900	170,983,828
Balance at Mar. 31, 2017	$ 2,490,663	$ 2,464,112	$ 263,240	$ 1,710	$ 853,024	$ 1,410,418	$ (30,695)	$ (33,585)	$ 26,551

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2017	Mar. 31, 2016
Cash flows from operating activities:
Net income	$ 48,586	$ 50,281
Adjustments to reconcile net income to net cash provided by (used in) operating activities:
Provision for credit losses	12,193	18,842
Depreciation and amortization	45,465	45,979
Provision for deferred income taxes	(12,032)	7,654
Proceeds from sale of loans and leases held for sale	61,287	300,610
Originations of loans and leases held for sale, net of repayments	(232,556)	(296,726)
Gains on sales of assets, net	(14,741)	(24,599)
Net change in other assets and accrued expenses and other liabilities	(39,398)	42,167
Other, net	(10,967)	(6,507)
Net cash provided by (used in) operating activities	(142,163)	137,701
Cash flows from investing activities:
Proceeds from maturities of and principal collected on securities	33,361	24,603
Purchases of securities	(86,841)	(240,789)
Redemption of Federal Home Loan Bank stock	78,000	34,963
Purchases of Federal Home Loan Bank stock	(85,000)	(36,000)
Proceeds from sales of loans and leases	611,515	493,671
Loan and lease originations and purchases, net of principal collected on loans and leases	(734,954)	(779,800)
Proceeds from sales of lease equipment	2,242	4,265
Purchases of lease equipment	(223,786)	(223,380)
Proceeds from sales of real estate owned	15,711	20,504
Purchases of premises and equipment	(9,597)	(7,661)
Other, net	7,965	5,354
Net cash provided by (used in) investing activities	(391,384)	(704,270)
Cash flows from financing activities:
Net change in deposits	227,133	592,380
Net change in short-term borrowings	990	(3,231)
Proceeds from long-term borrowings	3,610,415	1,249,037
Payments on long-term borrowings	(3,442,038)	(1,286,920)
Net investment by (distribution to) non-controlling interest	7,081	7,692
Dividends paid on preferred stock	(4,847)	(4,847)
Dividends paid on common stock	(12,595)	(12,515)
Stock compensation tax (expense) benefit	0	(49)
Common shares sold to TCF employee benefit plans	6,446	5,838
Exercise of stock options	(57)	0
Net cash provided by (used in) financing activities	392,528	547,385
Net change in cash and due from banks	(141,019)	(19,184)
Cash and due from banks at beginning of period	609,603	889,337
Cash and due from banks at end of period	468,584	870,153
Cash paid (received) for:
Interest on deposits and borrowings	18,726	20,613
Income taxes, net	18,835	(37,483)
Transfer of loans to other assets	$ 22,182	$ 26,016

Basis of Presentation (Notes)

Basis of Presentation (Notes)	3 Months Ended
	Mar. 31, 2017
Organization, Consolidation and Presentation of Financial Statements [Abstract]
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. The accompanying unaudited consolidated financial statements have been prepared in accordance with the instructions to Form 10-Q and, therefore do not include all of the information and notes necessary for complete financial statements in conformity with U.S. generally accepted accounting principles ("GAAP"). The information in this Quarterly Report on Form 10-Q is written with the presumption that the users of the interim financial statements have read or have access to the Company's most recent Annual Report on Form 10-K, which contains the latest audited financial statements and notes thereto, together with Management's Discussion and Analysis of Financial Condition and Results of Operations at December 31, 2016 , and for the year then ended. All significant intercompany accounts and transactions have been eliminated in consolidation. Accounting policies in effect at December 31, 2016 remain significantly unchanged and have been followed similarly as in previous periods. The preparation of financial statements in conformity with GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities, disclosure of contingent assets and liabilities at the date of the financial statements and the reported amount of revenues and expenses during the reporting period. These estimates are based on information available to management at the time the estimates are made. Actual results could differ from those estimates. In the opinion of management, the accompanying unaudited consolidated financial statements contain all the significant adjustments, consisting of normal recurring items, considered necessary for fair presentation. The results of operations for interim periods are not necessarily indicative of the results to be expected for the entire year. Effective January 1, 2017, the Company adopted Accounting Standards Update ("ASU") No. 2016-09, Compensation - Stock Compensation (Topic 718): Improvements to Employee Share-Based Payment Accounting , which simplified several aspects of the accounting for share-based payment transactions, including income tax consequences, classification of awards as either equity or liabilities and classification on the statement of cash flows. As a result of the adoption, the Company recorded a cumulative effect reduction to the opening balance of retained earnings of $1.3 million and a corresponding increase to additional paid-in capital. This cumulative effect adjustment to retained earnings was related to a policy election to account for forfeitures as they occur, thereby eliminating the need for an estimated forfeiture reserve against future cancellations. The adoption of this ASU on a prospective basis requires that tax benefits related to stock compensation be recorded to income tax expense, instead of to additional paid-in capital. The Company elected the prospective basis regarding the presentation of stock compensation tax (expense) benefit in the Consolidated Statement of Cash Flows as an operating activity, and as a result prior periods were not adjusted.

Cash and Due from Banks

Cash and Due from Banks	3 Months Ended
	Mar. 31, 2017
Cash and Cash Equivalents [Abstract]
Cash and Due from Banks	Cash and Due from Banks At March 31, 2017 and December 31, 2016 , TCF Bank was required by Federal Reserve regulations to maintain reserves of $110.7 million and $103.7 million , respectively, in cash on hand or at the Federal Reserve Bank. TCF maintains cash balances that are restricted as to their use in accordance with certain contractual agreements primarily related to the sale and servicing of auto 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 $52.4 million and $51.3 million at March 31, 2017 and December 31, 2016 , respectively. TCF had cash held in interest-bearing accounts of $218.4 million and $326.5 million at March 31, 2017 and December 31, 2016 , respectively.

Securities Available for Sale a

Securities Available for Sale and Securities Held to Maturity	3 Months Ended
	Mar. 31, 2017
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 March 31, 2017 At December 31, 2016 (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 $ 833,058 $ 448 $ 17,563 $ 815,943 $ 827,722 $ 423 $ 17,254 $ 810,891 Other 14 — — 14 18 — — 18 Obligations of states and political subdivisions 671,409 2,503 13,919 659,993 628,972 394 16,840 612,526 Total securities available for sale $ 1,504,481 $ 2,951 $ 31,482 $ 1,475,950 $ 1,456,712 $ 817 $ 34,094 $ 1,423,435 Securities held to maturity: Mortgage-backed securities: U.S. Government sponsored enterprises and federal agencies $ 173,436 $ 3,154 $ 514 $ 176,076 $ 178,514 $ 3,072 $ 440 $ 181,146 Other securities 2,800 — — 2,800 2,800 — — 2,800 Total securities held to maturity $ 176,236 $ 3,154 $ 514 $ 178,876 $ 181,314 $ 3,072 $ 440 $ 183,946 There were no sales of securities available for sale or impairment charges recognized during the first quarter s of 2017 and 2016 . At March 31, 2017 and December 31, 2016 , mortgage-backed securities with a carrying value of $9.4 million and $7.5 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 no impairment charges on securities held to maturity for the first quarter of 2017 and $0.1 million for the first quarter of 2016 . 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 March 31, 2017 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 $ 733,539 $ 17,563 $ — $ — $ 733,539 $ 17,563 Obligations of states and political subdivisions 437,921 13,919 — — 437,921 13,919 Total securities available for sale $ 1,171,460 $ 31,482 $ — $ — $ 1,171,460 $ 31,482 Securities held to maturity: Mortgage-backed securities: U.S. Government sponsored enterprises and federal agencies $ 26,036 $ 491 $ 489 $ 23 $ 26,525 $ 514 Total securities held to maturity $ 26,036 $ 491 $ 489 $ 23 $ 26,525 $ 514 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 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 March 31, 2017 At December 31, 2016 (In thousands) Amortized Cost Fair Value Amortized Cost Fair Value Securities available for sale: Due in one year or less $ — $ — $ 1 $ 1 Due in 1-5 years 2,404 2,440 18 18 Due in 5-10 years 353,864 354,044 331,430 329,005 Due after 10 years 1,148,213 1,119,466 1,125,263 1,094,411 Total securities available for sale $ 1,504,481 $ 1,475,950 $ 1,456,712 $ 1,423,435 Securities held to maturity: Due in one year or less $ — $ — $ — $ — Due in 1-5 years 1,400 1,400 1,400 1,400 Due in 5-10 years 1,400 1,400 1,400 1,400 Due after 10 years 173,436 176,076 178,514 181,146 Total securities held to maturity $ 176,236 $ 178,876 $ 181,314 $ 183,946 Interest income attributable to securities available for sale was as follows: Three Months Ended March 31, (In thousands) 2017 2016 Taxable interest income $ 4,654 $ 3,818 Tax-exempt interest income 3,326 1,680 Total interest income $ 7,980 $ 5,498

Loans and Leases

Loans and Leases	3 Months Ended
	Mar. 31, 2017
Receivables [Abstract]
Loans and Leases	Loans and Leases Loans and leases were as follows: (In thousands) At March 31, 2017 At December 31, 2016 Consumer real estate: First mortgage lien $ 2,166,691 $ 2,292,596 Junior lien 2,494,696 2,791,756 Total consumer real estate 4,661,387 5,084,352 Commercial: Commercial real estate: Permanent 2,402,702 2,356,287 Construction and development 271,627 277,904 Total commercial real estate 2,674,329 2,634,191 Commercial business 701,721 652,287 Total commercial 3,376,050 3,286,478 Leasing and equipment finance 4,276,008 4,336,310 Inventory finance 2,864,248 2,470,175 Auto finance 2,780,416 2,647,741 Other 16,785 18,771 Total loans and leases (1) $ 17,974,894 $ 17,843,827 (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 $56.7 million and $54.1 million at March 31, 2017 and December 31, 2016 , respectively. The following table summarizes the net sales proceeds for consumer real estate and auto finance loans sold, the interest-only strips received, the recorded investment in loans sold, including accrued interest, and the net gains. Included in consumer real estate loans sold in the three months ended March 31, 2017 were $49.4 million of non-accrual loans, which were sold servicing released. There were no auto finance securitizations for the three months ended March 31, 2017 and 2016 . TCF generally 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. Three Months Ended March 31, 2017 (In thousands) Consumer Real Estate Loans Auto Finance Loans Sales proceeds, net (1) $ 388,690 $ 254,164 Interest-only strips, initial value 1,347 — Recorded investment in loans sold, including accrued interest (380,762 ) (250,588 ) Net gains (2) $ 9,275 $ 3,576 Three Months Ended March 31, 2016 (In thousands) Consumer Real Estate Loans Auto Finance Loans Sales proceeds, net (1) $ 326,961 $ 453,747 Interest-only strips, initial value 5,661 4,841 Recorded investment in loans sold, including accrued interest (322,501 ) (446,365 ) Net gains (2) $ 10,121 $ 12,223 (1) Includes transaction fees and other sales related adjustments. (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: (In thousands) At March 31, 2017 At December 31, 2016 Interest-only strips attributable to: Consumer real estate loan sales $ 25,418 $ 27,260 Auto finance loan sales 10,365 12,892 Contractual liabilities attributable to: Consumer real estate loan sales $ 986 $ 701 Auto finance loan sales 150 168 TCF recorded $579 thousand of impairment charges on the consumer real estate interest-only strips for the three months ended March 31, 2017 , compared with none for the same period in 2016 . TCF recorded $24 thousand of impairment charges on the auto finance interest-only strips for the three months ended March 31, 2017 , compared with $5 thousand for the same period in 2016 . 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 the three months ended March 31, 2017 and 2016 , 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.

Allowance for Loan and Lease Lo

Allowance for Loan and Lease Losses and Credit Quality Information	3 Months Ended
	Mar. 31, 2017
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: (In thousands) Consumer Commercial Leasing and Inventory Auto Other Total At or For the Three Months Ended March 31, 2017: Balance, beginning of period $ 59,448 $ 32,695 $ 21,350 $ 13,932 $ 32,310 $ 534 $ 160,269 Charge-offs (3,452 ) (2,732 ) (2,046 ) (219 ) (8,813 ) (1,640 ) (18,902 ) Recoveries 10,692 65 614 119 1,233 1,090 13,813 Net (charge-offs) recoveries 7,240 (2,667 ) (1,432 ) (100 ) (7,580 ) (550 ) (5,089 ) Provision for credit losses (8,137 ) 3,669 1,386 1,965 12,857 453 12,193 Other (4,700 ) — (47 ) 19 (2,479 ) — (7,207 ) Balance, end of period $ 53,851 $ 33,697 $ 21,257 $ 15,816 $ 35,108 $ 437 $ 160,166 At or For the Three Months Ended March 31, 2016: Balance, beginning of period $ 67,992 $ 30,185 $ 19,018 $ 11,128 $ 26,486 $ 1,245 $ 156,054 Charge-offs (6,061 ) (28 ) (1,972 ) (641 ) (6,330 ) (1,635 ) (16,667 ) Recoveries 1,290 219 681 385 883 1,303 4,761 Net (charge-offs) recoveries (4,771 ) 191 (1,291 ) (256 ) (5,447 ) (332 ) (11,906 ) Provision for credit losses 5,025 1,171 1,727 2,263 9,065 (409 ) 18,842 Other (1,518 ) — — 171 (1,569 ) — (2,916 ) Balance, end of period $ 66,728 $ 31,547 $ 19,454 $ 13,306 $ 28,535 $ 504 $ 160,074 The allowance for loan and lease losses and loans and leases outstanding by type of allowance methodology were as follows: At March 31, 2017 (In thousands) Consumer Commercial Leasing and Inventory Auto Other Total Allowance for loan and lease losses: Collectively evaluated for impairment $ 33,472 $ 32,698 $ 18,829 $ 14,789 $ 34,228 $ 436 $ 134,452 Individually evaluated for impairment 20,379 999 2,428 1,027 880 1 25,714 Total $ 53,851 $ 33,697 $ 21,257 $ 15,816 $ 35,108 $ 437 $ 160,166 Loans and leases outstanding: Collectively evaluated for impairment $ 4,497,659 $ 3,332,256 $ 4,258,234 $ 2,859,086 $ 2,770,956 $ 16,780 $ 17,734,971 Individually evaluated for impairment 163,728 43,794 17,761 5,162 9,460 5 239,910 Loans acquired with deteriorated credit quality — — 13 — — — 13 Total $ 4,661,387 $ 3,376,050 $ 4,276,008 $ 2,864,248 $ 2,780,416 $ 16,785 $ 17,974,894 At December 31, 2016 (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 $ 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 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 March 31, 2017 (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 $ 2,083,889 $ 3,676 $ 2,185 $ 2,089,750 $ 76,941 $ 2,166,691 Junior lien 2,468,517 1,183 — 2,469,700 24,996 2,494,696 Total consumer real estate 4,552,406 4,859 2,185 4,559,450 101,937 4,661,387 Commercial: Commercial real estate 2,664,062 — — 2,664,062 10,267 2,674,329 Commercial business 699,291 — — 699,291 2,430 701,721 Total commercial 3,363,353 — — 3,363,353 12,697 3,376,050 Leasing and equipment finance 4,258,433 3,939 1,315 4,263,687 12,274 4,275,961 Inventory finance 2,858,986 87 13 2,859,086 5,162 2,864,248 Auto finance 2,770,028 1,942 1,536 2,773,506 6,909 2,780,415 Other 16,775 2 6 16,783 2 16,785 Subtotal 17,819,981 10,829 5,055 17,835,865 138,981 17,974,846 Portfolios acquired with deteriorated credit quality 48 — — 48 — 48 Total $ 17,820,029 $ 10,829 $ 5,055 $ 17,835,913 $ 138,981 $ 17,974,894 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 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: Three Months Ended March 31, (In thousands) 2017 2016 Contractual interest due on non-accrual loans and leases $ 4,498 $ 5,267 Interest income recognized on non-accrual loans and leases 1,056 966 Unrecognized interest income $ 3,442 $ 4,301 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: (In thousands) At March 31, 2017 At December 31, 2016 Consumer real estate loans to customers in bankruptcy: 0-59 days delinquent and accruing $ 12,492 $ 13,675 Non-accrual 15,494 21,372 Total consumer real estate loans to customers in bankruptcy $ 27,986 $ 35,047 Loan Modifications for Borrowers with Financial Difficulties Included within loans and leases in the previous tables are certain loans that have been modified in order to maximize collection of loan balances. If, for economic or legal reasons related to the customer's financial difficulties, TCF grants a concession, the modified loan is classified as a troubled debt restructuring ("TDR") loan. 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 March 31, 2017 and December 31, 2016 were $175.6 million and $207.4 million , respectively, of which $117.4 million and $126.0 million , respectively, were accruing. TCF held consumer real estate TDR loans of $138.1 million and $170.6 million at March 31, 2017 and December 31, 2016 , respectively, of which $96.3 million and $98.6 million , respectively, were accruing. TCF also held $22.5 million of commercial TDR loans at both March 31, 2017 and December 31, 2016 , of which $13.4 million and $20.3 million , respectively, were accruing. TDR loans for the remaining classes of finance receivables were not material at March 31, 2017 or December 31, 2016 . Unfunded commitments to consumer real estate and commercial loans classified as TDRs were $0.5 million and $0.4 million at March 31, 2017 and December 31, 2016 , respectively. At March 31, 2017 and December 31, 2016 , no additional funds were committed to leasing and equipment finance, inventory finance or auto finance loans classified as TDRs. 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. For the three months ended March 31, 2017 and 2016 , unrecognized interest income for consumer real estate first mortgage lien accruing TDR loans and consumer real estate junior lien accruing TDR loans was $0.5 million and $0.2 million , respectively. The average yield for the three months ended March 31, 2017 on consumer real estate accruing TDR loans was 4.2% , which compares to the original contractual average rate of 6.6% . The average yield for the the three months ended March 31, 2016 on consumer real estate accruing TDR loans was 4.1% , which compares to the original contractual average rate of 6.7% . The unrecognized interest income for the remaining classes of finance receivables was not material for the three months ended March 31, 2017 and 2016 . 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. The following table summarizes the TDR loans that defaulted during the three months ended March 31, 2017 and 2016 , which were modified during the respective reporting period or within one year of the beginning of the respective reporting period. The increase in commercial loans that defaulted during the three months ended March 31, 2017 was primarily due to the transfer of three commercial loans to non-accrual status. Three Months Ended March 31, (In thousands) 2017 2016 Loan balance: (1) Consumer real estate: First mortgage lien $ 368 $ — Junior lien 112 44 Total consumer real estate 480 44 Commercial: Commercial real estate 6,681 — Commercial business 3,353 — Total commercial 10,034 — Leasing and equipment finance 407 — Auto finance 302 466 Defaulted TDR loans modified during the applicable period $ 11,223 $ 510 (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 $18.8 million , or 19.5% of the outstanding balance, at March 31, 2017 , and $19.3 million , or 19.6% of the outstanding balance, at December 31, 2016 . In determining impairment for consumer real estate accruing TDR loans, TCF utilized assumed remaining re-default rates ranging from 10% to 33% in both 2017 and 2016 , depending on modification type and actual experience. At March 31, 2017 , 0.9% of accruing consumer real estate TDR loans were more than 60 days delinquent, compared with 1.5% at December 31, 2016 . 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 March 31, 2017 , $26.2 million , or 62.7% , were loans discharged in Chapter 7 bankruptcy that were not reaffirmed by the borrower, of which 70.0% were current. 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, of which 82.2% 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 less than $0.1 million , or less than 0.1% of the outstanding balance, at March 31, 2017 , and $1.1 million , or 5.6% of the outstanding balance, at December 31, 2016 . No accruing commercial TDR loans were 60 days or more delinquent at March 31, 2017 and December 31, 2016 . 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 March 31, 2017 At December 31, 2016 (In thousands) Unpaid Loan Related Unpaid Loan Related Impaired loans with an allowance recorded: Consumer real estate: First mortgage lien $ 100,409 $ 87,992 $ 15,410 $ 122,704 $ 104,601 $ 16,835 Junior lien 40,710 36,244 4,813 62,481 51,410 5,829 Total consumer real estate 141,119 124,236 20,223 185,185 156,011 22,664 Commercial: Commercial real estate 3,393 3,394 120 10,083 10,075 1,262 Commercial business 3,099 2,089 879 14 14 3 Total commercial 6,492 5,483 999 10,097 10,089 1,265 Leasing and equipment finance 11,342 11,342 1,169 9,900 9,900 1,044 Inventory finance 4,646 4,655 1,027 4,357 4,365 628 Auto finance 5,151 4,798 795 5,801 5,419 1,126 Other 5 5 1 6 6 1 Total impaired loans with an allowance recorded 168,755 150,519 24,214 215,346 185,790 26,728 Impaired loans without an allowance recorded: Consumer real estate: First mortgage lien 17,007 12,010 — 18,539 12,674 — Junior lien 18,564 1,884 — 26,915 1,882 — Total consumer real estate 35,571 13,894 — 45,454 14,556 — Commercial: Commercial real estate 27,690 20,092 — 21,601 15,780 — Commercial business 504 504 — 354 354 — Total commercial 28,194 20,596 — 21,955 16,134 — Inventory finance 506 507 — 767 769 — Auto finance 4,513 2,771 — 3,919 2,408 — Other 88 — — 85 — — Total impaired loans without an allowance recorded 68,872 37,768 — 72,180 33,867 — Total impaired loans $ 237,627 $ 188,287 $ 24,214 $ 287,526 $ 219,657 $ 26,728 The average loan balance of impaired loans and interest income recognized on impaired loans were as follows: Three Months Ended March 31, 2017 2016 (In thousands) Average Loan Balance Interest Income Recognized Average Loan Balance Interest Income Recognized Impaired loans with an allowance recorded: Consumer real estate: First mortgage lien $ 96,979 $ 725 $ 123,115 $ 835 Junior lien 43,827 446 58,035 630 Total consumer real estate 140,806 1,171 181,150 1,465 Commercial: Commercial real estate 6,733 16 5,645 33 Commercial business 1,052 48 16 — Total commercial 7,785 64 5,661 33 Leasing and equipment finance 10,620 3 7,794 13 Inventory finance 4,510 52 1,579 16 Auto finance 5,109 46 7,460 18 Other 6 — 10 — Total impaired loans with an allowance recorded 168,836 1,336 203,654 1,545 Impaired loans without an allowance recorded: Consumer real estate: First mortgage lien 12,342 318 3,045 52 Junior lien 1,883 252 510 148 Total consumer real estate 14,225 570 3,555 200 Commercial: Commercial real estate 17,936 174 23,820 251 Commercial business 429 — 3,881 — Total commercial 18,365 174 27,701 251 Inventory finance 638 44 220 11 Auto finance 2,590 — 1,602 — Total impaired loans without an allowance recorded 35,818 788 33,078 462 Total impaired loans $ 204,654 $ 2,124 $ 236,732 $ 2,007

Long-term Borrowings

Long-term Borrowings	3 Months Ended
	Mar. 31, 2017
Debt Disclosure [Abstract]
Long-term Borrowings	Long-term Borrowings Long-term borrowings were as follows: At March 31, 2017 At December 31, 2016 (Dollars in thousands) Stated Maturity Amount Stated Rate Amount Stated Rate Federal Home Loan Bank advances 2018 $ 100,000 0.99 % $ 375,000 0.72 % - 0.81 % 2019 750,000 0.99 % - 1.04 300,000 0.78 - 0.81 Subtotal 850,000 675,000 Subordinated bank notes 2022 108,706 6.25 108,654 6.25 2025 148,101 4.60 148,052 4.60 Hedge-related basis adjustment (1) (1,862 ) (1,349 ) Subtotal 254,945 255,357 Discounted lease rentals 2017 42,108 2.45 - 7.88 57,081 2.45 - 7.88 2018 44,807 2.55 - 7.95 42,132 2.55 - 7.95 2019 27,320 2.53 - 6.00 24,671 2.53 - 6.00 2020 13,383 2.64 - 6.90 11,753 2.64 - 6.90 2021 5,572 2.88 - 5.00 4,423 2.88 - 4.57 2022 246 3.95 - 5.17 — — Subtotal 133,436 140,060 Other long-term borrowings 2017 2,774 1.36 2,764 1.36 Total long-term borrowings $ 1,241,155 $ 1,073,181 (1) Related to subordinated bank notes with a stated maturity of 2025. At March 31, 2017 , TCF Bank had pledged loans secured by consumer and commercial real estate and Federal Home Loan Bank ("FHLB") stock with an aggregate carrying value of $4.4 billion as collateral for FHLB advances. At March 31, 2017 , $850.0 million of the FHLB advances outstanding were prepayable at TCF's option.

Regulatory Capital Requirements

Regulatory Capital Requirements	3 Months Ended
	Mar. 31, 2017
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 $361.2 million at March 31, 2017 , 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. Regulatory capital information for TCF and TCF Bank was as follows: TCF TCF Bank At March 31, At December 31, At March 31, At December 31, Well-capitalized Standard Minimum Capital Requirement (1) (Dollars in thousands) 2017 2016 2017 2016 Regulatory Capital: Common equity Tier 1 capital $ 2,003,988 $ 1,970,323 $ 2,182,487 $ 2,144,966 Tier 1 capital 2,288,736 2,248,221 2,209,038 2,162,128 Total capital 2,667,204 2,635,925 2,630,339 2,583,512 Regulatory Capital Ratios: Common equity Tier 1 capital ratio 10.11 % 10.24 % 11.01 % 11.14 % 6.50 % 4.50 % Tier 1 risk-based capital ratio 11.55 11.68 11.15 11.23 8.00 6.00 Total risk-based capital ratio 13.46 13.69 13.27 13.42 10.00 8.00 Tier 1 leverage ratio 10.64 10.73 10.27 10.32 5.00 4.00 (1) Excludes capital conservation buffer of 1.25% and 0.625% as of March 31, 2017 and December 31, 2016 .

Stock Compensation

Stock Compensation	3 Months Ended
	Mar. 31, 2017
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
Stock Compensation	Stock Compensation TCF's restricted stock award and stock option transactions under the TCF Financial 2015 Omnibus Incentive Plan ("Omnibus Incentive Plan") and the TCF Financial Incentive Stock Program ("Incentive Stock Program") during the three months ended March 31, 2017 were as follows: Restricted Stock Awards Stock Options Shares Grant Date Fair Value Range Weighted- average Grant Date Fair Value Shares Exercise Price Range Weighted- average Remaining Contractual Life in Years Weighted- average Exercise Price Outstanding at December 31, 2016 3,536,175 $ 7.73 - $ 16.28 $ 12.81 404,000 $ 15.75 - $ 15.75 1.06 $ 15.75 Granted 134,621 18.47 - 18.58 18.58 — — - — — — Exercised — — - — — (38,000 ) 15.75 - 15.75 — 15.75 Forfeited/canceled (399,042 ) 7.73 - 15.74 10.32 — — - — — — Vested (578,843 ) 9.36 - 16.02 14.82 — — - — — — Outstanding at March 31, 2017 2,692,911 7.73 - 18.58 13.04 366,000 15.75 - 15.75 0.81 15.75 Exercisable at March 31, 2017 N.A. N.A. 366,000 15.75 - 15.75 15.75 N.A. Not Applicable. At March 31, 2017 , there were 350,000 shares of performance-based restricted stock awards outstanding 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. Unrecognized stock compensation expense for restricted stock awards was $22.2 million with a weighted-average remaining amortization period of 1.8 years at March 31, 2017 . At March 31, 2017 , there were 360,988 performance-based restricted stock units granted under the Omnibus Incentive Plan that will vest only if certain performance goals are achieved. 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 weighted-average performance period of the restricted stock units was 2.4 years at March 31, 2017 . Compensation expense for restricted stock awards and restricted stock units was $1.9 million and $2.3 million for the three months ended March 31, 2017 and 2016 , respectively. The valuation assumptions for stock options granted in 2008 under the Incentive Stock Program have not changed significantly from December 31, 2016 and 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 March 31, 2017 , no stock options had been granted under the Omnibus Incentive Plan.

Employee Benefit Plans

Employee Benefit Plans	3 Months Ended
	Mar. 31, 2017
Compensation and Retirement Disclosure [Abstract]
Employee Benefit Plans	Employee Benefit Plans The net periodic benefit plan (income) cost included in compensation and employee benefits expense for the TCF Cash Balance Pension Plan (the "Pension Plan") and health care benefits for eligible retired employees (the "Postretirement Plan") for the three months ended March 31, 2017 and 2016 was as follows: Pension Plan Three Months Ended March 31, (In thousands) 2017 2016 Interest cost $ 285 $ 320 (Gain) loss on plan assets (142 ) (146 ) Net periodic benefit plan (income) cost $ 143 $ 174 Postretirement Plan Three Months Ended March 31, (In thousands) 2017 2016 Interest cost $ 34 $ 38 Amortization of prior service cost (12 ) (12 ) Net periodic benefit plan (income) cost $ 22 $ 26 TCF made no cash contributions to the Pension Plan in either of the three months ended March 31, 2017 or 2016 . During both the three months ended March 31, 2017 and 2016 , TCF contributed $0.1 million to the Postretirement Plan.

Derivative Instruments

Derivative Instruments	3 Months Ended
	Mar. 31, 2017
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Derivative Instruments	Derivative Instruments Derivative instruments were as follows: At March 31, 2017 (In thousands) Notional Amount Gross Amounts Recognized Gross Amounts Offset Net Amount Presented Derivative Assets: Derivatives designated as hedges: Interest rate contracts $ 150,000 $ 442 $ (122 ) $ 320 Derivatives not designated as hedges: Forward foreign exchange contracts 45,054 71 — 71 Interest rate contracts 159,766 1,032 — 1,032 Interest rate lock commitments 27,118 464 — 464 Total derivative assets $ 2,009 $ (122 ) $ 1,887 Derivative Liabilities: Derivatives designated as hedges: Forward foreign exchange contracts $ 64,652 $ 661 $ (540 ) $ 121 Derivatives not designated as hedges: Forward foreign exchange contracts 293,752 1,512 (1,054 ) 458 Interest rate contracts 159,766 848 (122 ) 726 Other contracts 13,804 541 (541 ) — Interest rate lock commitments 151 — — — Total derivative liabilities $ 3,562 $ (2,257 ) $ 1,305 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 The pre-tax impact of derivative activity within the Consolidated Statements of Income and the Consolidated Statements of Comprehensive Income was as follows: Three Months Ended March 31, (In thousands) Income Statement Location 2017 2016 Consolidated Statements of Income: Fair value hedges: Interest rate contracts Other non-interest income $ (501 ) $ 7,253 Non-derivative hedged items Other non-interest income 513 (6,371 ) Not designated as hedges: Forward foreign exchange contracts Other non-interest expense (3,259 ) (26,572 ) Interest rate lock commitments Gains on sales of consumer real estate loans, net 167 (176 ) Interest rate contracts Other non-interest income (9 ) (91 ) Other contracts Other non-interest expense — (85 ) Net gain (loss) recognized $ (3,089 ) $ (26,042 ) Consolidated Statements of Comprehensive Income: Net investment hedges: Forward foreign exchange contracts Other comprehensive income (loss) $ (504 ) $ (3,257 ) Net unrealized gain (loss) $ (504 ) $ (3,257 ) 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 March 31, 2017 , credit risk-related contingent features existed on forward foreign exchange contracts with a notional value of $63.8 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 $1.3 million in additional collateral. There were $0.2 million of forward foreign exchange contracts containing credit risk-related features in a net liability position at March 31, 2017 . At March 31, 2017 , TCF had posted $6.0 million , $1.4 million and $1.6 million of cash collateral related to its interest rate contracts, other contracts and forward foreign exchange contracts, respectively.

Fair Values Disclosures

Fair Values Disclosures	3 Months Ended
	Mar. 31, 2017
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 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 securities, categorized as Level 3, is estimated using probability of loss based on risk rating definitions. 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 Held for Sale Loans 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 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 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. Other real estate owned at March 31, 2017 and December 31, 2016 was $32.0 million and $46.8 million , respectively. Repossessed and returned assets at March 31, 2017 and December 31, 2016 was $9.4 million and $10.0 million , respectively. Other real estate owned and repossessed and returned assets were written down $1.7 million and $2.9 million , which was included in foreclosed real estate and repossessed assets, net expense for the three months ended March 31, 2017 and 2016 , respectively. 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 swap 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 March 31, 2017 (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 $ — $ 815,943 $ — $ 815,943 Other — — 14 14 Obligations of states and political subdivisions — 659,993 — 659,993 Loans held for sale — — 3,362 3,362 Interest-only strips — — 35,783 35,783 Forward foreign exchange contracts (1) — 71 — 71 Interest rate contracts (1) — 1,474 — 1,474 Interest rate lock commitments (1) — — 464 464 Forward loan sales commitments — — 14 14 Assets held in trust for deferred compensation plans 24,621 — — 24,621 Total assets $ 24,621 $ 1,477,481 $ 39,637 $ 1,541,739 Forward foreign exchange contracts (1) $ — $ 2,173 $ — $ 2,173 Interest rate contracts (1) — 848 — 848 Forward loan sales commitments — — 106 106 Liabilities held in trust for deferred compensation plans 24,621 — — 24,621 Other contracts (1) — — 541 541 Total liabilities $ 24,621 $ 3,021 $ 647 $ 28,289 Non-recurring Fair Value Measurements: Loans $ — $ — $ 91,144 $ 91,144 Other real estate owned: Consumer — — 19,536 19,536 Commercial — — 3,600 3,600 Repossessed and returned assets — 3,307 2,877 6,184 Total non-recurring fair value measurements $ — $ 3,307 $ 117,157 $ 120,464 (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, 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 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. Management assesses the appropriate classification of financial assets and liabilities within the fair value hierarchy by monitoring the level of available observable market information. Changes in markets or economic conditions, as well as changes to Company valuation models may require the transfer of financial instruments from one fair value level to another. Such transfers, if any, are recorded at the fair values as of the beginning of the quarter in which the transfer occurred. TCF had no transfers in the three months ended March 31, 2017 and 2016 . The changes in Level 3 assets and liabilities measured at fair value on a recurring basis were as follows: (In thousands) Securities Loans Interest-only Strips Interest Forward Other Contracts At or For the Three Months Ended March 31, 2017: Asset (liability) balance, beginning of period $ 18 $ 6,498 $ 40,152 $ 297 $ 361 $ (619 ) Total net gains (losses) included in: Net income — 104 1,113 167 (453 ) — Other comprehensive income (loss) — — (328 ) — — — Sales — (46,714 ) — — — — Originations — 43,479 1,347 — — — Principal paydowns / settlements (4 ) (5 ) (6,501 ) — — 78 Asset (liability) balance, end of period $ 14 $ 3,362 $ 35,783 $ 464 $ (92 ) $ (541 ) At or For the Three Months Ended March 31, 2016: Asset (liability) balance, beginning of period $ 34 $ 10,568 $ 44,332 $ 716 $ 265 $ (305 ) Total net gains (losses) included in: Net income — 138 1,465 (176 ) (234 ) (85 ) Sales — (79,231 ) — — — — Originations — 74,092 10,502 — — — Principal paydowns / settlements (6 ) — (7,572 ) — — 79 Asset (liability) balance, end of period $ 28 $ 5,567 $ 48,727 $ 540 $ 31 $ (311 ) 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: (In thousands) At March 31, 2017 At December 31, 2016 Fair value carrying amount $ 3,362 $ 6,498 Aggregate unpaid principal amount 3,297 6,563 Fair value carrying amount less aggregate unpaid principal $ 65 $ (65 ) 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 March 31, 2017 or December 31, 2016 . 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 $1.1 million and $1.9 million for the three months ended March 31, 2017 and 2016 , 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 March 31, 2017 and December 31, 2016 , 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 March 31, 2017 (In thousands) Level 1 Level 2 Level 3 Total Financial instrument assets: Investments $ 81,717 $ — $ 81,717 $ — $ 81,717 Securities held to maturity 176,236 — 176,076 2,800 178,876 Loans held for sale 604,714 — — 633,698 633,698 Loans: Consumer real estate 4,661,387 — — 4,740,497 4,740,497 Commercial real estate 2,674,329 — — 2,628,356 2,628,356 Commercial business 701,721 — — 676,776 676,776 Equipment finance 1,986,353 — — 1,957,281 1,957,281 Inventory finance 2,864,248 — — 2,845,408 2,845,408 Auto finance 2,780,416 — — 2,782,533 2,782,533 Other 16,785 — — 15,172 15,172 Allowance for loan losses (1) (160,166 ) — — — — Securitization receivable (2) 18,929 — — 18,929 18,929 Total financial instrument assets $ 16,406,669 $ — $ 257,793 $ 16,301,450 $ 16,559,243 Financial instrument liabilities: Deposits $ 17,465,590 $ 13,371,039 $ 4,114,574 $ — $ 17,485,613 Long-term borrowings 1,241,155 — 1,243,163 2,774 1,245,937 Total financial instrument liabilities $ 18,706,745 $ 13,371,039 $ 5,357,737 $ 2,774 $ 18,731,550 Financial instruments with off-balance sheet risk: (3) Commitments to extend credit $ 20,222 $ — $ 20,222 $ — $ 20,222 Standby letters of credit (29 ) — (29 ) — (29 ) Total financial instruments with off-balance sheet risk $ 20,193 $ — $ 20,193 $ — $ 20,193 (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, 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 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.

Earnings Per Common Share

Earnings Per Common Share	3 Months Ended
	Mar. 31, 2017
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: Three Months Ended March 31, (Dollars in thousands, except per-share data) 2017 2016 Basic Earnings Per Common Share: Net income available to common stockholders $ 41,431 $ 43,199 Earnings allocated to participating securities 8 11 Earnings allocated to common stock $ 41,423 $ 43,188 Weighted-average common shares outstanding for basic earnings per common share 167,902,615 166,887,293 Basic earnings per common share $ 0.25 $ 0.26 Diluted Earnings Per Common Share: Earnings allocated to common stock $ 41,423 $ 43,188 Weighted-average common shares outstanding used in basic earnings per common share calculation 167,902,615 166,887,293 Net dilutive effect of: Non-participating restricted stock 436,442 502,270 Stock options 41,626 45,645 Warrants 149,051 — Weighted-average common shares outstanding for diluted earnings per common share 168,529,734 167,435,208 Diluted earnings per common share $ 0.25 $ 0.26 For the three months ended March 31, 2017 , there were 0.5 million of outstanding shares related to non-participating restricted stock and for the three months ended March 31, 2016 , there were 5.0 million of outstanding shares related to non-participating restricted stock, stock options and warrants that were not included in the computation of diluted earnings per share because they were anti-dilutive.

Other Non-interest Expense

Other Non-interest Expense	3 Months Ended
	Mar. 31, 2017
Other Income and Expenses [Abstract]
Other Non-interest Expense	Other Non-interest Expense Other non-interest expense was as follows: Three Months Ended March 31, (In thousands) 2017 2016 Professional fees $ 7,193 $ 3,602 Severance 6,633 767 Advertising and marketing 6,406 5,887 Loan and lease processing 6,181 5,960 Outside processing 4,481 3,645 Card processing and issuance costs 4,109 3,720 FDIC insurance 3,959 4,113 Other 25,075 25,654 Total other non-interest expense $ 64,037 $ 53,348

Business Segments

Business Segments	3 Months Ended
	Mar. 31, 2017
Segment Reporting [Abstract]
Business Segments	Business Segments The Company's 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 , in Item 8 of TCF's 2016 Annual Report on Form 10-K, 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 Three Months Ended March 31, 2017: Net interest income $ 140,317 $ 87,642 $ (5,845 ) $ 222,114 Provision for credit losses 5,351 6,842 — 12,193 Non-interest income 72,762 30,719 33 103,514 Non-interest expense 169,289 65,562 9,155 244,006 Income tax expense (benefit) 13,510 15,068 (7,735 ) 20,843 Income (loss) after income tax expense (benefit) 24,929 30,889 (7,232 ) 48,586 Income attributable to non-controlling interest — 2,308 — 2,308 Preferred stock dividends — — 4,847 4,847 Net income (loss) available to common stockholders $ 24,929 $ 28,581 $ (12,079 ) $ 41,431 Total assets $ 8,662,681 $ 10,834,463 $ 2,339,424 $ 21,836,568 Revenues from external customers: Interest income $ 109,833 $ 122,365 $ 10,109 $ 242,307 Non-interest income 72,762 30,719 33 103,514 Total $ 182,595 $ 153,084 $ 10,142 $ 345,821 At or For the Three Months Ended March 31, 2016: Net interest income $ 139,343 $ 85,669 $ (13,354 ) $ 211,658 Provision for credit losses 13,675 5,167 — 18,842 Non-interest income 81,061 30,613 928 112,602 Non-interest expense 160,520 62,105 5,709 228,334 Income tax expense (benefit) 16,831 16,406 (6,434 ) 26,803 Income (loss) after income tax expense (benefit) 29,378 32,604 (11,701 ) 50,281 Income attributable to non-controlling interest — 2,235 — 2,235 Preferred stock dividends — — 4,847 4,847 Net income (loss) available to common stockholders $ 29,378 $ 30,369 $ (16,548 ) $ 43,199 Total assets $ 8,899,438 $ 10,031,265 $ 2,390,399 $ 21,321,102 Revenues from external customers: Interest income $ 112,950 $ 111,894 $ 7,498 $ 232,342 Non-interest income 81,061 30,613 928 112,602 Total $ 194,011 $ 142,507 $ 8,426 $ 344,944

Litigation Contingencies

Litigation Contingencies	3 Months Ended
	Mar. 31, 2017
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)	3 Months Ended
	Mar. 31, 2017
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: Three Months Ended March 31, 2017 2016 (In thousands) Before Tax Tax Effect Net of Tax Before Tax Tax Effect Net of Tax Net unrealized gains (losses) on securities available for sale and interest-only strips: Unrealized gains (losses) arising during the period $ 4,162 $ (1,582 ) $ 2,580 $ 19,135 $ (7,268 ) $ 11,867 Reclassification of net (gains) losses to net income 305 (116 ) 189 274 (104 ) 170 Net unrealized gains (losses) 4,467 (1,698 ) 2,769 19,409 (7,372 ) 12,037 Net unrealized gains (losses) on net investment hedges (504 ) 191 (313 ) (3,257 ) 1,237 (2,020 ) Foreign currency translation adjustment (1) 581 — 581 3,409 — 3,409 Recognized postretirement prior service cost: Reclassification of net (gains) losses to net income (12 ) 5 (7 ) (12 ) 5 (7 ) Total other comprehensive income (loss) $ 4,532 $ (1,502 ) $ 3,030 $ 19,549 $ (6,130 ) $ 13,419 (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 March 31, 2017 and 2016 , the unrealized holding loss on the transferred securities retained in accumulated other comprehensive income (loss) totaled $13.0 million and $14.5 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 9 , 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 Adjustment Recognized Postretirement Prior Service Cost Total At or For the Three Months Ended March 31, 2017: Balance, beginning of period $ (28,601 ) $ 6,493 $ (11,764 ) $ 147 $ (33,725 ) Other comprehensive income (loss) 2,580 (313 ) 581 — 2,848 Amounts reclassified from accumulated other comprehensive income (loss) 189 — — (7 ) 182 Net other comprehensive income (loss) 2,769 (313 ) 581 (7 ) 3,030 Balance, end of period $ (25,832 ) $ 6,180 $ (11,183 ) $ 140 $ (30,695 ) At or For the Three Months Ended March 31, 2016: Balance, beginning of period $ (9,707 ) $ 7,249 $ (13,064 ) $ 176 $ (15,346 ) Other comprehensive income (loss) 11,867 (2,020 ) 3,409 — 13,256 Amounts reclassified from accumulated other comprehensive income (loss) 170 — — (7 ) 163 Net other comprehensive income (loss) 12,037 (2,020 ) 3,409 (7 ) 13,419 Balance, end of period $ 2,330 $ 5,229 $ (9,655 ) $ 169 $ (1,927 )

Basis of Presentation (Policies

Basis of Presentation (Policies)	3 Months Ended
	Mar. 31, 2017
Organization, Consolidation and Presentation of Financial Statements [Abstract]
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. The accompanying unaudited consolidated financial statements have been prepared in accordance with the instructions to Form 10-Q and, therefore do not include all of the information and notes necessary for complete financial statements in conformity with U.S. generally accepted accounting principles ("GAAP"). The information in this Quarterly Report on Form 10-Q is written with the presumption that the users of the interim financial statements have read or have access to the Company's most recent Annual Report on Form 10-K, which contains the latest audited financial statements and notes thereto, together with Management's Discussion and Analysis of Financial Condition and Results of Operations at December 31, 2016 , and for the year then ended. All significant intercompany accounts and transactions have been eliminated in consolidation. Accounting policies in effect at December 31, 2016 remain significantly unchanged and have been followed similarly as in previous periods. The preparation of financial statements in conformity with GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities, disclosure of contingent assets and liabilities at the date of the financial statements and the reported amount of revenues and expenses during the reporting period. These estimates are based on information available to management at the time the estimates are made. Actual results could differ from those estimates. In the opinion of management, the accompanying unaudited consolidated financial statements contain all the significant adjustments, consisting of normal recurring items, considered necessary for fair presentation. The results of operations for interim periods are not necessarily indicative of the results to be expected for the entire year.
New Accounting Pronouncement	Effective January 1, 2017, the Company adopted Accounting Standards Update ("ASU") No. 2016-09, Compensation - Stock Compensation (Topic 718): Improvements to Employee Share-Based Payment Accounting , which simplified several aspects of the accounting for share-based payment transactions, including income tax consequences, classification of awards as either equity or liabilities and classification on the statement of cash flows. As a result of the adoption, the Company recorded a cumulative effect reduction to the opening balance of retained earnings of $1.3 million and a corresponding increase to additional paid-in capital. This cumulative effect adjustment to retained earnings was related to a policy election to account for forfeitures as they occur, thereby eliminating the need for an estimated forfeiture reserve against future cancellations. The adoption of this ASU on a prospective basis requires that tax benefits related to stock compensation be recorded to income tax expense, instead of to additional paid-in capital. The Company elected the prospective basis regarding the presentation of stock compensation tax (expense) benefit in the Consolidated Statement of Cash Flows as an operating activity, and as a result prior periods were not adjusted.

Securities Available for Sale25

Securities Available for Sale and Securities Held to Maturity (Tables)	3 Months Ended
	Mar. 31, 2017
Investments, Debt and Equity Securities [Abstract]
Schedule of securities	Securities were as follows: At March 31, 2017 At December 31, 2016 (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 $ 833,058 $ 448 $ 17,563 $ 815,943 $ 827,722 $ 423 $ 17,254 $ 810,891 Other 14 — — 14 18 — — 18 Obligations of states and political subdivisions 671,409 2,503 13,919 659,993 628,972 394 16,840 612,526 Total securities available for sale $ 1,504,481 $ 2,951 $ 31,482 $ 1,475,950 $ 1,456,712 $ 817 $ 34,094 $ 1,423,435 Securities held to maturity: Mortgage-backed securities: U.S. Government sponsored enterprises and federal agencies $ 173,436 $ 3,154 $ 514 $ 176,076 $ 178,514 $ 3,072 $ 440 $ 181,146 Other securities 2,800 — — 2,800 2,800 — — 2,800 Total securities held to maturity $ 176,236 $ 3,154 $ 514 $ 178,876 $ 181,314 $ 3,072 $ 440 $ 183,946
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 March 31, 2017 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 $ 733,539 $ 17,563 $ — $ — $ 733,539 $ 17,563 Obligations of states and political subdivisions 437,921 13,919 — — 437,921 13,919 Total securities available for sale $ 1,171,460 $ 31,482 $ — $ — $ 1,171,460 $ 31,482 Securities held to maturity: Mortgage-backed securities: U.S. Government sponsored enterprises and federal agencies $ 26,036 $ 491 $ 489 $ 23 $ 26,525 $ 514 Total securities held to maturity $ 26,036 $ 491 $ 489 $ 23 $ 26,525 $ 514 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
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 March 31, 2017 At December 31, 2016 (In thousands) Amortized Cost Fair Value Amortized Cost Fair Value Securities available for sale: Due in one year or less $ — $ — $ 1 $ 1 Due in 1-5 years 2,404 2,440 18 18 Due in 5-10 years 353,864 354,044 331,430 329,005 Due after 10 years 1,148,213 1,119,466 1,125,263 1,094,411 Total securities available for sale $ 1,504,481 $ 1,475,950 $ 1,456,712 $ 1,423,435 Securities held to maturity: Due in one year or less $ — $ — $ — $ — Due in 1-5 years 1,400 1,400 1,400 1,400 Due in 5-10 years 1,400 1,400 1,400 1,400 Due after 10 years 173,436 176,076 178,514 181,146 Total securities held to maturity $ 176,236 $ 178,876 $ 181,314 $ 183,946
Interest income attributable to securities available for sale	Interest income attributable to securities available for sale was as follows: Three Months Ended March 31, (In thousands) 2017 2016 Taxable interest income $ 4,654 $ 3,818 Tax-exempt interest income 3,326 1,680 Total interest income $ 7,980 $ 5,498

Loans and Leases (Tables)

Loans and Leases (Tables)	3 Months Ended
	Mar. 31, 2017
Receivables [Abstract]
Information about loans and leases	Loans and leases were as follows: (In thousands) At March 31, 2017 At December 31, 2016 Consumer real estate: First mortgage lien $ 2,166,691 $ 2,292,596 Junior lien 2,494,696 2,791,756 Total consumer real estate 4,661,387 5,084,352 Commercial: Commercial real estate: Permanent 2,402,702 2,356,287 Construction and development 271,627 277,904 Total commercial real estate 2,674,329 2,634,191 Commercial business 701,721 652,287 Total commercial 3,376,050 3,286,478 Leasing and equipment finance 4,276,008 4,336,310 Inventory finance 2,864,248 2,470,175 Auto finance 2,780,416 2,647,741 Other 16,785 18,771 Total loans and leases (1) $ 17,974,894 $ 17,843,827 (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 $56.7 million and $54.1 million at March 31, 2017 and December 31, 2016 , respectively.
Loan sales transaction table	The following table summarizes the net sales proceeds for consumer real estate and auto finance loans sold, the interest-only strips received, the recorded investment in loans sold, including accrued interest, and the net gains. Included in consumer real estate loans sold in the three months ended March 31, 2017 were $49.4 million of non-accrual loans, which were sold servicing released. There were no auto finance securitizations for the three months ended March 31, 2017 and 2016 . TCF generally 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. Three Months Ended March 31, 2017 (In thousands) Consumer Real Estate Loans Auto Finance Loans Sales proceeds, net (1) $ 388,690 $ 254,164 Interest-only strips, initial value 1,347 — Recorded investment in loans sold, including accrued interest (380,762 ) (250,588 ) Net gains (2) $ 9,275 $ 3,576 Three Months Ended March 31, 2016 (In thousands) Consumer Real Estate Loans Auto Finance Loans Sales proceeds, net (1) $ 326,961 $ 453,747 Interest-only strips, initial value 5,661 4,841 Recorded investment in loans sold, including accrued interest (322,501 ) (446,365 ) Net gains (2) $ 10,121 $ 12,223 (1) Includes transaction fees and other sales related adjustments. (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: (In thousands) At March 31, 2017 At December 31, 2016 Interest-only strips attributable to: Consumer real estate loan sales $ 25,418 $ 27,260 Auto finance loan sales 10,365 12,892 Contractual liabilities attributable to: Consumer real estate loan sales $ 986 $ 701 Auto finance loan sales 150 168

Allowance for Loan and Lease 27

Allowance for Loan and Lease Losses and Credit Quality Information (Tables)	3 Months Ended
	Mar. 31, 2017
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: (In thousands) Consumer Commercial Leasing and Inventory Auto Other Total At or For the Three Months Ended March 31, 2017: Balance, beginning of period $ 59,448 $ 32,695 $ 21,350 $ 13,932 $ 32,310 $ 534 $ 160,269 Charge-offs (3,452 ) (2,732 ) (2,046 ) (219 ) (8,813 ) (1,640 ) (18,902 ) Recoveries 10,692 65 614 119 1,233 1,090 13,813 Net (charge-offs) recoveries 7,240 (2,667 ) (1,432 ) (100 ) (7,580 ) (550 ) (5,089 ) Provision for credit losses (8,137 ) 3,669 1,386 1,965 12,857 453 12,193 Other (4,700 ) — (47 ) 19 (2,479 ) — (7,207 ) Balance, end of period $ 53,851 $ 33,697 $ 21,257 $ 15,816 $ 35,108 $ 437 $ 160,166 At or For the Three Months Ended March 31, 2016: Balance, beginning of period $ 67,992 $ 30,185 $ 19,018 $ 11,128 $ 26,486 $ 1,245 $ 156,054 Charge-offs (6,061 ) (28 ) (1,972 ) (641 ) (6,330 ) (1,635 ) (16,667 ) Recoveries 1,290 219 681 385 883 1,303 4,761 Net (charge-offs) recoveries (4,771 ) 191 (1,291 ) (256 ) (5,447 ) (332 ) (11,906 ) Provision for credit losses 5,025 1,171 1,727 2,263 9,065 (409 ) 18,842 Other (1,518 ) — — 171 (1,569 ) — (2,916 ) Balance, end of period $ 66,728 $ 31,547 $ 19,454 $ 13,306 $ 28,535 $ 504 $ 160,074
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 were as follows: At March 31, 2017 (In thousands) Consumer Commercial Leasing and Inventory Auto Other Total Allowance for loan and lease losses: Collectively evaluated for impairment $ 33,472 $ 32,698 $ 18,829 $ 14,789 $ 34,228 $ 436 $ 134,452 Individually evaluated for impairment 20,379 999 2,428 1,027 880 1 25,714 Total $ 53,851 $ 33,697 $ 21,257 $ 15,816 $ 35,108 $ 437 $ 160,166 Loans and leases outstanding: Collectively evaluated for impairment $ 4,497,659 $ 3,332,256 $ 4,258,234 $ 2,859,086 $ 2,770,956 $ 16,780 $ 17,734,971 Individually evaluated for impairment 163,728 43,794 17,761 5,162 9,460 5 239,910 Loans acquired with deteriorated credit quality — — 13 — — — 13 Total $ 4,661,387 $ 3,376,050 $ 4,276,008 $ 2,864,248 $ 2,780,416 $ 16,785 $ 17,974,894 At December 31, 2016 (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 $ 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
Information regarding accruing and non-accruing loans and leases	TCF's accruing and non-accrual loans and leases were as follows: At March 31, 2017 (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 $ 2,083,889 $ 3,676 $ 2,185 $ 2,089,750 $ 76,941 $ 2,166,691 Junior lien 2,468,517 1,183 — 2,469,700 24,996 2,494,696 Total consumer real estate 4,552,406 4,859 2,185 4,559,450 101,937 4,661,387 Commercial: Commercial real estate 2,664,062 — — 2,664,062 10,267 2,674,329 Commercial business 699,291 — — 699,291 2,430 701,721 Total commercial 3,363,353 — — 3,363,353 12,697 3,376,050 Leasing and equipment finance 4,258,433 3,939 1,315 4,263,687 12,274 4,275,961 Inventory finance 2,858,986 87 13 2,859,086 5,162 2,864,248 Auto finance 2,770,028 1,942 1,536 2,773,506 6,909 2,780,415 Other 16,775 2 6 16,783 2 16,785 Subtotal 17,819,981 10,829 5,055 17,835,865 138,981 17,974,846 Portfolios acquired with deteriorated credit quality 48 — — 48 — 48 Total $ 17,820,029 $ 10,829 $ 5,055 $ 17,835,913 $ 138,981 $ 17,974,894 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
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: Three Months Ended March 31, (In thousands) 2017 2016 Contractual interest due on non-accrual loans and leases $ 4,498 $ 5,267 Interest income recognized on non-accrual loans and leases 1,056 966 Unrecognized interest income $ 3,442 $ 4,301
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: (In thousands) At March 31, 2017 At December 31, 2016 Consumer real estate loans to customers in bankruptcy: 0-59 days delinquent and accruing $ 12,492 $ 13,675 Non-accrual 15,494 21,372 Total consumer real estate loans to customers in bankruptcy $ 27,986 $ 35,047
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. The following table summarizes the TDR loans that defaulted during the three months ended March 31, 2017 and 2016 , which were modified during the respective reporting period or within one year of the beginning of the respective reporting period. The increase in commercial loans that defaulted during the three months ended March 31, 2017 was primarily due to the transfer of three commercial loans to non-accrual status. Three Months Ended March 31, (In thousands) 2017 2016 Loan balance: (1) Consumer real estate: First mortgage lien $ 368 $ — Junior lien 112 44 Total consumer real estate 480 44 Commercial: Commercial real estate 6,681 — Commercial business 3,353 — Total commercial 10,034 — Leasing and equipment finance 407 — Auto finance 302 466 Defaulted TDR loans modified during the applicable period $ 11,223 $ 510 (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 March 31, 2017 At December 31, 2016 (In thousands) Unpaid Loan Related Unpaid Loan Related Impaired loans with an allowance recorded: Consumer real estate: First mortgage lien $ 100,409 $ 87,992 $ 15,410 $ 122,704 $ 104,601 $ 16,835 Junior lien 40,710 36,244 4,813 62,481 51,410 5,829 Total consumer real estate 141,119 124,236 20,223 185,185 156,011 22,664 Commercial: Commercial real estate 3,393 3,394 120 10,083 10,075 1,262 Commercial business 3,099 2,089 879 14 14 3 Total commercial 6,492 5,483 999 10,097 10,089 1,265 Leasing and equipment finance 11,342 11,342 1,169 9,900 9,900 1,044 Inventory finance 4,646 4,655 1,027 4,357 4,365 628 Auto finance 5,151 4,798 795 5,801 5,419 1,126 Other 5 5 1 6 6 1 Total impaired loans with an allowance recorded 168,755 150,519 24,214 215,346 185,790 26,728 Impaired loans without an allowance recorded: Consumer real estate: First mortgage lien 17,007 12,010 — 18,539 12,674 — Junior lien 18,564 1,884 — 26,915 1,882 — Total consumer real estate 35,571 13,894 — 45,454 14,556 — Commercial: Commercial real estate 27,690 20,092 — 21,601 15,780 — Commercial business 504 504 — 354 354 — Total commercial 28,194 20,596 — 21,955 16,134 — Inventory finance 506 507 — 767 769 — Auto finance 4,513 2,771 — 3,919 2,408 — Other 88 — — 85 — — Total impaired loans without an allowance recorded 68,872 37,768 — 72,180 33,867 — Total impaired loans $ 237,627 $ 188,287 $ 24,214 $ 287,526 $ 219,657 $ 26,728
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: Three Months Ended March 31, 2017 2016 (In thousands) Average Loan Balance Interest Income Recognized Average Loan Balance Interest Income Recognized Impaired loans with an allowance recorded: Consumer real estate: First mortgage lien $ 96,979 $ 725 $ 123,115 $ 835 Junior lien 43,827 446 58,035 630 Total consumer real estate 140,806 1,171 181,150 1,465 Commercial: Commercial real estate 6,733 16 5,645 33 Commercial business 1,052 48 16 — Total commercial 7,785 64 5,661 33 Leasing and equipment finance 10,620 3 7,794 13 Inventory finance 4,510 52 1,579 16 Auto finance 5,109 46 7,460 18 Other 6 — 10 — Total impaired loans with an allowance recorded 168,836 1,336 203,654 1,545 Impaired loans without an allowance recorded: Consumer real estate: First mortgage lien 12,342 318 3,045 52 Junior lien 1,883 252 510 148 Total consumer real estate 14,225 570 3,555 200 Commercial: Commercial real estate 17,936 174 23,820 251 Commercial business 429 — 3,881 — Total commercial 18,365 174 27,701 251 Inventory finance 638 44 220 11 Auto finance 2,590 — 1,602 — Total impaired loans without an allowance recorded 35,818 788 33,078 462 Total impaired loans $ 204,654 $ 2,124 $ 236,732 $ 2,007

Long-term Borrowings (Tables)

Long-term Borrowings (Tables)	3 Months Ended
	Mar. 31, 2017
Debt Disclosure [Abstract]
Information about long-term borrowings	Long-term borrowings were as follows: At March 31, 2017 At December 31, 2016 (Dollars in thousands) Stated Maturity Amount Stated Rate Amount Stated Rate Federal Home Loan Bank advances 2018 $ 100,000 0.99 % $ 375,000 0.72 % - 0.81 % 2019 750,000 0.99 % - 1.04 300,000 0.78 - 0.81 Subtotal 850,000 675,000 Subordinated bank notes 2022 108,706 6.25 108,654 6.25 2025 148,101 4.60 148,052 4.60 Hedge-related basis adjustment (1) (1,862 ) (1,349 ) Subtotal 254,945 255,357 Discounted lease rentals 2017 42,108 2.45 - 7.88 57,081 2.45 - 7.88 2018 44,807 2.55 - 7.95 42,132 2.55 - 7.95 2019 27,320 2.53 - 6.00 24,671 2.53 - 6.00 2020 13,383 2.64 - 6.90 11,753 2.64 - 6.90 2021 5,572 2.88 - 5.00 4,423 2.88 - 4.57 2022 246 3.95 - 5.17 — — Subtotal 133,436 140,060 Other long-term borrowings 2017 2,774 1.36 2,764 1.36 Total long-term borrowings $ 1,241,155 $ 1,073,181 (1) Related to subordinated bank notes with a stated maturity of 2025.

Regulatory Capital Requiremen29

Regulatory Capital Requirements (Tables)	3 Months Ended
	Mar. 31, 2017
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 March 31, At December 31, At March 31, At December 31, Well-capitalized Standard Minimum Capital Requirement (1) (Dollars in thousands) 2017 2016 2017 2016 Regulatory Capital: Common equity Tier 1 capital $ 2,003,988 $ 1,970,323 $ 2,182,487 $ 2,144,966 Tier 1 capital 2,288,736 2,248,221 2,209,038 2,162,128 Total capital 2,667,204 2,635,925 2,630,339 2,583,512 Regulatory Capital Ratios: Common equity Tier 1 capital ratio 10.11 % 10.24 % 11.01 % 11.14 % 6.50 % 4.50 % Tier 1 risk-based capital ratio 11.55 11.68 11.15 11.23 8.00 6.00 Total risk-based capital ratio 13.46 13.69 13.27 13.42 10.00 8.00 Tier 1 leverage ratio 10.64 10.73 10.27 10.32 5.00 4.00 (1) Excludes capital conservation buffer of 1.25% and 0.625% as of March 31, 2017 and December 31, 2016 .

Stock Compensation (Tables)

Stock Compensation (Tables)	3 Months Ended
	Mar. 31, 2017
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
Restricted Stock Award and Stock Option Transactions	TCF's restricted stock award and stock option transactions under the TCF Financial 2015 Omnibus Incentive Plan ("Omnibus Incentive Plan") and the TCF Financial Incentive Stock Program ("Incentive Stock Program") during the three months ended March 31, 2017 were as follows: Restricted Stock Awards Stock Options Shares Grant Date Fair Value Range Weighted- average Grant Date Fair Value Shares Exercise Price Range Weighted- average Remaining Contractual Life in Years Weighted- average Exercise Price Outstanding at December 31, 2016 3,536,175 $ 7.73 - $ 16.28 $ 12.81 404,000 $ 15.75 - $ 15.75 1.06 $ 15.75 Granted 134,621 18.47 - 18.58 18.58 — — - — — — Exercised — — - — — (38,000 ) 15.75 - 15.75 — 15.75 Forfeited/canceled (399,042 ) 7.73 - 15.74 10.32 — — - — — — Vested (578,843 ) 9.36 - 16.02 14.82 — — - — — — Outstanding at March 31, 2017 2,692,911 7.73 - 18.58 13.04 366,000 15.75 - 15.75 0.81 15.75 Exercisable at March 31, 2017 N.A. N.A. 366,000 15.75 - 15.75 15.75 N.A. Not Applicable.

Employee Benefit Plans (Tables)

Employee Benefit Plans (Tables)	3 Months Ended
	Mar. 31, 2017
Compensation and Retirement Disclosure [Abstract]
Schedule of net periodic benefit cost included in compensation and employee benefits expense for cash balance Pension Plan and Postretirement Plan	The net periodic benefit plan (income) cost included in compensation and employee benefits expense for the TCF Cash Balance Pension Plan (the "Pension Plan") and health care benefits for eligible retired employees (the "Postretirement Plan") for the three months ended March 31, 2017 and 2016 was as follows: Pension Plan Three Months Ended March 31, (In thousands) 2017 2016 Interest cost $ 285 $ 320 (Gain) loss on plan assets (142 ) (146 ) Net periodic benefit plan (income) cost $ 143 $ 174 Postretirement Plan Three Months Ended March 31, (In thousands) 2017 2016 Interest cost $ 34 $ 38 Amortization of prior service cost (12 ) (12 ) Net periodic benefit plan (income) cost $ 22 $ 26

Derivative Instruments (Tables)

Derivative Instruments (Tables)	3 Months Ended
	Mar. 31, 2017
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Summary of derivative instruments	Derivative instruments were as follows: At March 31, 2017 (In thousands) Notional Amount Gross Amounts Recognized Gross Amounts Offset Net Amount Presented Derivative Assets: Derivatives designated as hedges: Interest rate contracts $ 150,000 $ 442 $ (122 ) $ 320 Derivatives not designated as hedges: Forward foreign exchange contracts 45,054 71 — 71 Interest rate contracts 159,766 1,032 — 1,032 Interest rate lock commitments 27,118 464 — 464 Total derivative assets $ 2,009 $ (122 ) $ 1,887 Derivative Liabilities: Derivatives designated as hedges: Forward foreign exchange contracts $ 64,652 $ 661 $ (540 ) $ 121 Derivatives not designated as hedges: Forward foreign exchange contracts 293,752 1,512 (1,054 ) 458 Interest rate contracts 159,766 848 (122 ) 726 Other contracts 13,804 541 (541 ) — Interest rate lock commitments 151 — — — Total derivative liabilities $ 3,562 $ (2,257 ) $ 1,305 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
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: Three Months Ended March 31, (In thousands) Income Statement Location 2017 2016 Consolidated Statements of Income: Fair value hedges: Interest rate contracts Other non-interest income $ (501 ) $ 7,253 Non-derivative hedged items Other non-interest income 513 (6,371 ) Not designated as hedges: Forward foreign exchange contracts Other non-interest expense (3,259 ) (26,572 ) Interest rate lock commitments Gains on sales of consumer real estate loans, net 167 (176 ) Interest rate contracts Other non-interest income (9 ) (91 ) Other contracts Other non-interest expense — (85 ) Net gain (loss) recognized $ (3,089 ) $ (26,042 ) Consolidated Statements of Comprehensive Income: Net investment hedges: Forward foreign exchange contracts Other comprehensive income (loss) $ (504 ) $ (3,257 ) Net unrealized gain (loss) $ (504 ) $ (3,257 )

Fair Values Disclosures (Tables

Fair Values Disclosures (Tables)	3 Months Ended
	Mar. 31, 2017
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 March 31, 2017 (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 $ — $ 815,943 $ — $ 815,943 Other — — 14 14 Obligations of states and political subdivisions — 659,993 — 659,993 Loans held for sale — — 3,362 3,362 Interest-only strips — — 35,783 35,783 Forward foreign exchange contracts (1) — 71 — 71 Interest rate contracts (1) — 1,474 — 1,474 Interest rate lock commitments (1) — — 464 464 Forward loan sales commitments — — 14 14 Assets held in trust for deferred compensation plans 24,621 — — 24,621 Total assets $ 24,621 $ 1,477,481 $ 39,637 $ 1,541,739 Forward foreign exchange contracts (1) $ — $ 2,173 $ — $ 2,173 Interest rate contracts (1) — 848 — 848 Forward loan sales commitments — — 106 106 Liabilities held in trust for deferred compensation plans 24,621 — — 24,621 Other contracts (1) — — 541 541 Total liabilities $ 24,621 $ 3,021 $ 647 $ 28,289 Non-recurring Fair Value Measurements: Loans $ — $ — $ 91,144 $ 91,144 Other real estate owned: Consumer — — 19,536 19,536 Commercial — — 3,600 3,600 Repossessed and returned assets — 3,307 2,877 6,184 Total non-recurring fair value measurements $ — $ 3,307 $ 117,157 $ 120,464 (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, 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 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.
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 Loans Interest-only Strips Interest Forward Other Contracts At or For the Three Months Ended March 31, 2017: Asset (liability) balance, beginning of period $ 18 $ 6,498 $ 40,152 $ 297 $ 361 $ (619 ) Total net gains (losses) included in: Net income — 104 1,113 167 (453 ) — Other comprehensive income (loss) — — (328 ) — — — Sales — (46,714 ) — — — — Originations — 43,479 1,347 — — — Principal paydowns / settlements (4 ) (5 ) (6,501 ) — — 78 Asset (liability) balance, end of period $ 14 $ 3,362 $ 35,783 $ 464 $ (92 ) $ (541 ) At or For the Three Months Ended March 31, 2016: Asset (liability) balance, beginning of period $ 34 $ 10,568 $ 44,332 $ 716 $ 265 $ (305 ) Total net gains (losses) included in: Net income — 138 1,465 (176 ) (234 ) (85 ) Sales — (79,231 ) — — — — Originations — 74,092 10,502 — — — Principal paydowns / settlements (6 ) — (7,572 ) — — 79 Asset (liability) balance, end of period $ 28 $ 5,567 $ 48,727 $ 540 $ 31 $ (311 )
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 Loans Interest-only Strips Interest Forward Other Contracts At or For the Three Months Ended March 31, 2017: Asset (liability) balance, beginning of period $ 18 $ 6,498 $ 40,152 $ 297 $ 361 $ (619 ) Total net gains (losses) included in: Net income — 104 1,113 167 (453 ) — Other comprehensive income (loss) — — (328 ) — — — Sales — (46,714 ) — — — — Originations — 43,479 1,347 — — — Principal paydowns / settlements (4 ) (5 ) (6,501 ) — — 78 Asset (liability) balance, end of period $ 14 $ 3,362 $ 35,783 $ 464 $ (92 ) $ (541 ) At or For the Three Months Ended March 31, 2016: Asset (liability) balance, beginning of period $ 34 $ 10,568 $ 44,332 $ 716 $ 265 $ (305 ) Total net gains (losses) included in: Net income — 138 1,465 (176 ) (234 ) (85 ) Sales — (79,231 ) — — — — Originations — 74,092 10,502 — — — Principal paydowns / settlements (6 ) — (7,572 ) — — 79 Asset (liability) balance, end of period $ 28 $ 5,567 $ 48,727 $ 540 $ 31 $ (311 )
Fair value, option, quantitative disclosures	The difference between the aggregate fair value and aggregate unpaid principal balance of these loans held for sale was as follows: (In thousands) At March 31, 2017 At December 31, 2016 Fair value carrying amount $ 3,362 $ 6,498 Aggregate unpaid principal amount 3,297 6,563 Fair value carrying amount less aggregate unpaid principal $ 65 $ (65 )
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 March 31, 2017 (In thousands) Level 1 Level 2 Level 3 Total Financial instrument assets: Investments $ 81,717 $ — $ 81,717 $ — $ 81,717 Securities held to maturity 176,236 — 176,076 2,800 178,876 Loans held for sale 604,714 — — 633,698 633,698 Loans: Consumer real estate 4,661,387 — — 4,740,497 4,740,497 Commercial real estate 2,674,329 — — 2,628,356 2,628,356 Commercial business 701,721 — — 676,776 676,776 Equipment finance 1,986,353 — — 1,957,281 1,957,281 Inventory finance 2,864,248 — — 2,845,408 2,845,408 Auto finance 2,780,416 — — 2,782,533 2,782,533 Other 16,785 — — 15,172 15,172 Allowance for loan losses (1) (160,166 ) — — — — Securitization receivable (2) 18,929 — — 18,929 18,929 Total financial instrument assets $ 16,406,669 $ — $ 257,793 $ 16,301,450 $ 16,559,243 Financial instrument liabilities: Deposits $ 17,465,590 $ 13,371,039 $ 4,114,574 $ — $ 17,485,613 Long-term borrowings 1,241,155 — 1,243,163 2,774 1,245,937 Total financial instrument liabilities $ 18,706,745 $ 13,371,039 $ 5,357,737 $ 2,774 $ 18,731,550 Financial instruments with off-balance sheet risk: (3) Commitments to extend credit $ 20,222 $ — $ 20,222 $ — $ 20,222 Standby letters of credit (29 ) — (29 ) — (29 ) Total financial instruments with off-balance sheet risk $ 20,193 $ — $ 20,193 $ — $ 20,193 (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, 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 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.

Earnings Per Common Share (Tabl

Earnings Per Common Share (Tables)	3 Months Ended
	Mar. 31, 2017
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: Three Months Ended March 31, (Dollars in thousands, except per-share data) 2017 2016 Basic Earnings Per Common Share: Net income available to common stockholders $ 41,431 $ 43,199 Earnings allocated to participating securities 8 11 Earnings allocated to common stock $ 41,423 $ 43,188 Weighted-average common shares outstanding for basic earnings per common share 167,902,615 166,887,293 Basic earnings per common share $ 0.25 $ 0.26 Diluted Earnings Per Common Share: Earnings allocated to common stock $ 41,423 $ 43,188 Weighted-average common shares outstanding used in basic earnings per common share calculation 167,902,615 166,887,293 Net dilutive effect of: Non-participating restricted stock 436,442 502,270 Stock options 41,626 45,645 Warrants 149,051 — Weighted-average common shares outstanding for diluted earnings per common share 168,529,734 167,435,208 Diluted earnings per common share $ 0.25 $ 0.26

Other Non-interest Expense (Tab

Other Non-interest Expense (Tables)	3 Months Ended
	Mar. 31, 2017
Other Income and Expenses [Abstract]
Other Non-interest Expense	Other non-interest expense was as follows: Three Months Ended March 31, (In thousands) 2017 2016 Professional fees $ 7,193 $ 3,602 Severance 6,633 767 Advertising and marketing 6,406 5,887 Loan and lease processing 6,181 5,960 Outside processing 4,481 3,645 Card processing and issuance costs 4,109 3,720 FDIC insurance 3,959 4,113 Other 25,075 25,654 Total other non-interest expense $ 64,037 $ 53,348

Business Segments (Tables)

Business Segments (Tables)	3 Months Ended
	Mar. 31, 2017
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 Three Months Ended March 31, 2017: Net interest income $ 140,317 $ 87,642 $ (5,845 ) $ 222,114 Provision for credit losses 5,351 6,842 — 12,193 Non-interest income 72,762 30,719 33 103,514 Non-interest expense 169,289 65,562 9,155 244,006 Income tax expense (benefit) 13,510 15,068 (7,735 ) 20,843 Income (loss) after income tax expense (benefit) 24,929 30,889 (7,232 ) 48,586 Income attributable to non-controlling interest — 2,308 — 2,308 Preferred stock dividends — — 4,847 4,847 Net income (loss) available to common stockholders $ 24,929 $ 28,581 $ (12,079 ) $ 41,431 Total assets $ 8,662,681 $ 10,834,463 $ 2,339,424 $ 21,836,568 Revenues from external customers: Interest income $ 109,833 $ 122,365 $ 10,109 $ 242,307 Non-interest income 72,762 30,719 33 103,514 Total $ 182,595 $ 153,084 $ 10,142 $ 345,821 At or For the Three Months Ended March 31, 2016: Net interest income $ 139,343 $ 85,669 $ (13,354 ) $ 211,658 Provision for credit losses 13,675 5,167 — 18,842 Non-interest income 81,061 30,613 928 112,602 Non-interest expense 160,520 62,105 5,709 228,334 Income tax expense (benefit) 16,831 16,406 (6,434 ) 26,803 Income (loss) after income tax expense (benefit) 29,378 32,604 (11,701 ) 50,281 Income attributable to non-controlling interest — 2,235 — 2,235 Preferred stock dividends — — 4,847 4,847 Net income (loss) available to common stockholders $ 29,378 $ 30,369 $ (16,548 ) $ 43,199 Total assets $ 8,899,438 $ 10,031,265 $ 2,390,399 $ 21,321,102 Revenues from external customers: Interest income $ 112,950 $ 111,894 $ 7,498 $ 232,342 Non-interest income 81,061 30,613 928 112,602 Total $ 194,011 $ 142,507 $ 8,426 $ 344,944

Accumulated Other Comprehensi37

Accumulated Other Comprehensive Income (Loss) (Tables)	3 Months Ended
	Mar. 31, 2017
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: Three Months Ended March 31, 2017 2016 (In thousands) Before Tax Tax Effect Net of Tax Before Tax Tax Effect Net of Tax Net unrealized gains (losses) on securities available for sale and interest-only strips: Unrealized gains (losses) arising during the period $ 4,162 $ (1,582 ) $ 2,580 $ 19,135 $ (7,268 ) $ 11,867 Reclassification of net (gains) losses to net income 305 (116 ) 189 274 (104 ) 170 Net unrealized gains (losses) 4,467 (1,698 ) 2,769 19,409 (7,372 ) 12,037 Net unrealized gains (losses) on net investment hedges (504 ) 191 (313 ) (3,257 ) 1,237 (2,020 ) Foreign currency translation adjustment (1) 581 — 581 3,409 — 3,409 Recognized postretirement prior service cost: Reclassification of net (gains) losses to net income (12 ) 5 (7 ) (12 ) 5 (7 ) Total other comprehensive income (loss) $ 4,532 $ (1,502 ) $ 3,030 $ 19,549 $ (6,130 ) $ 13,419 (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 Adjustment Recognized Postretirement Prior Service Cost Total At or For the Three Months Ended March 31, 2017: Balance, beginning of period $ (28,601 ) $ 6,493 $ (11,764 ) $ 147 $ (33,725 ) Other comprehensive income (loss) 2,580 (313 ) 581 — 2,848 Amounts reclassified from accumulated other comprehensive income (loss) 189 — — (7 ) 182 Net other comprehensive income (loss) 2,769 (313 ) 581 (7 ) 3,030 Balance, end of period $ (25,832 ) $ 6,180 $ (11,183 ) $ 140 $ (30,695 ) At or For the Three Months Ended March 31, 2016: Balance, beginning of period $ (9,707 ) $ 7,249 $ (13,064 ) $ 176 $ (15,346 ) Other comprehensive income (loss) 11,867 (2,020 ) 3,409 — 13,256 Amounts reclassified from accumulated other comprehensive income (loss) 170 — — (7 ) 163 Net other comprehensive income (loss) 12,037 (2,020 ) 3,409 (7 ) 13,419 Balance, end of period $ 2,330 $ 5,229 $ (9,655 ) $ 169 $ (1,927 )

Cash and Due from Banks (Detail

Cash and Due from Banks (Details) - USD ($) $ in Millions	Mar. 31, 2017	Dec. 31, 2016
Cash and Cash Equivalents [Abstract]
Reserve in cash on hand or at the Federal Reserve as required by Federal Reserve regulations	$ 110.7	$ 103.7
Total restricted cash balance	52.4	51.3
Cash held in interest-bearing accounts	$ 218.4	$ 326.5

Basis of Presentation (Details)

Basis of Presentation (Details) - Accounting Standards Update 2016-09 $ in Millions	Mar. 31, 2017USD ($)
Retained Earnings
Change in Accounting Principle
Change in accounting principle	$ (1.3)
Additional Paid-in Capital
Change in Accounting Principle
Change in accounting principle	$ 1.3

Securities Available for Sale40

Securities Available for Sale and Securities Held to Maturity (Details) - USD ($)	3 Months Ended
	Mar. 31, 2017	Mar. 31, 2016	Dec. 31, 2016
Securities available for sale:
Amortized Cost	$ 1,504,481,000		$ 1,456,712,000
Gross Unrealized Gains	2,951,000		817,000
Gross Unrealized Losses	31,482,000		34,094,000
Fair Value	1,475,950,000		1,423,435,000
Securities available for sale sold during the period	0	$ 0
Impairment charges on securities available for sale	0	0
Securities held to maturity:
Amortized Cost	176,236,000		181,314,000
Gross Unrealized Gains	3,154,000		3,072,000
Gross Unrealized Losses	514,000		440,000
Fair Value	178,876,000		183,946,000
Impairment charges on securities held to maturity	0	$ 100,000
Mortgage-backed securities:
Securities available for sale:
Securities available for sale pledged as collateral	9,400,000		7,500,000
U.S. Government sponsored enterprises and federal agencies
Securities available for sale:
Amortized Cost	833,058,000		827,722,000
Gross Unrealized Gains	448,000		423,000
Gross Unrealized Losses	17,563,000		17,254,000
Fair Value	815,943,000		810,891,000
Securities held to maturity:
Amortized Cost	173,436,000		178,514,000
Gross Unrealized Gains	3,154,000		3,072,000
Gross Unrealized Losses	514,000		440,000
Fair Value	176,076,000		181,146,000
Mortgage-backed securities, Other
Securities available for sale:
Amortized Cost	14,000		18,000
Gross Unrealized Gains	0		0
Gross Unrealized Losses	0		0
Fair Value	14,000		18,000
Obligations of states and political subdivisions
Securities available for sale:
Amortized Cost	671,409,000		628,972,000
Gross Unrealized Gains	2,503,000		394,000
Gross Unrealized Losses	13,919,000		16,840,000
Fair Value	659,993,000		612,526,000
Other securities
Securities held to maturity:
Amortized Cost	2,800,000		2,800,000
Gross Unrealized Gains	0		0
Gross Unrealized Losses	0		0
Fair Value	$ 2,800,000		$ 2,800,000

Securities Available for Sale41

Securities Available for Sale and Securities Held to Maturity (Details 2) - USD ($) $ in Thousands	Mar. 31, 2017	Dec. 31, 2016
Gross unrealized losses and fair value of securities available for sale that are in a loss position
Less than 12 months, Fair Value	$ 1,171,460	$ 1,234,344
Less than 12 months, Unrealized Losses	31,482	34,094
12 months or more, Fair Value	0	0
12 months or more, Unrealized Losses	0	0
Total, fair value	1,171,460	1,234,344
Total, Unrealized Losses	31,482	34,094
Gross unrealized losses and fair value of securities held to maturity that are in a loss position
Less than 12 months, Fair Value	26,036	27,090
Less than 12 months, Unrealized Losses	491	440
12 months or more, Fair Value	489	0
12 months or more, Unrealized Losses	23	0
Total, fair value	26,525	27,090
Total, Unrealized Losses	514	440
U.S. Government sponsored enterprises and federal agencies
Gross unrealized losses and fair value of securities available for sale that are in a loss position
Less than 12 months, Fair Value	733,539	732,724
Less than 12 months, Unrealized Losses	17,563	17,254
12 months or more, Fair Value	0	0
12 months or more, Unrealized Losses	0	0
Total, fair value	733,539	732,724
Total, Unrealized Losses	17,563	17,254
Gross unrealized losses and fair value of securities held to maturity that are in a loss position
Less than 12 months, Fair Value	26,036	27,090
Less than 12 months, Unrealized Losses	491	440
12 months or more, Fair Value	489	0
12 months or more, Unrealized Losses	23	0
Total, fair value	26,525	27,090
Total, Unrealized Losses	514	440
Obligations of states and political subdivisions
Gross unrealized losses and fair value of securities available for sale that are in a loss position
Less than 12 months, Fair Value	437,921	501,620
Less than 12 months, Unrealized Losses	13,919	16,840
12 months or more, Fair Value	0	0
12 months or more, Unrealized Losses	0	0
Total, fair value	437,921	501,620
Total, Unrealized Losses	$ 13,919	$ 16,840

Securities Available for Sale42

Securities Available for Sale and Securities Held to Maturity (Details 3) - USD ($) $ in Thousands	Mar. 31, 2017	Dec. 31, 2016
Amortized cost, securities available for sale
Due in one year or less	$ 0	$ 1
Due in 1-5 years	2,404	18
Due in 5-10 years	353,864	331,430
Due after 10 years	1,148,213	1,125,263
Amortized Cost	1,504,481	1,456,712
Fair value, securities available for sale
Due in one year or less	0	1
Due in 1-5 years	2,440	18
Due in 5-10 years	354,044	329,005
Due after 10 years	1,119,466	1,094,411
Fair Value	1,475,950	1,423,435
Amortized cost, securities held to maturity
Due in one year or less	0	0
Due in 1-5 years	1,400	1,400
Due in 5-10 years	1,400	1,400
Due after 10 years	173,436	178,514
Amortized Cost	176,236	181,314
Fair value, securities held to maturity
Due in one year or less	0	0
Due in 1-5 years	1,400	1,400
Due in 5-10 years	1,400	1,400
Due after 10	176,076	181,146
Fair Value	$ 178,876	$ 183,946

Securities Available for Sale43

Securities Available for Sale and Securities Held to Maturity (Details 4) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2017	Mar. 31, 2016
Interest Income on Securities Available for Sale by Taxable Status
Securities available for sale	$ 7,980	$ 5,498
Securities available for sale
Interest Income on Securities Available for Sale by Taxable Status
Taxable interest income	4,654	3,818
Tax-exempt interest income	3,326	1,680
Securities available for sale	$ 7,980	$ 5,498

Loans and Leases (Details)

Loans and Leases (Details) - USD ($) $ in Thousands	Mar. 31, 2017	Dec. 31, 2016
Loans and Leases Receivable Disclosure [Line Items]
Loans and leases	$ 17,974,894	$ 17,843,827
Loan and lease adjustments	56,700	54,100
Consumer real estate
Loans and Leases Receivable Disclosure [Line Items]
Loans and leases	4,661,387	5,084,352
Commercial
Loans and Leases Receivable Disclosure [Line Items]
Loans and leases	3,376,050	3,286,478
Commercial | Commercial real estate
Loans and Leases Receivable Disclosure [Line Items]
Loans and leases	2,674,329	2,634,191
Commercial | Permanent
Loans and Leases Receivable Disclosure [Line Items]
Loans and leases	2,402,702	2,356,287
Commercial | Construction and development
Loans and Leases Receivable Disclosure [Line Items]
Loans and leases	271,627	277,904
Commercial | Commercial business
Loans and Leases Receivable Disclosure [Line Items]
Loans and leases	701,721	652,287
Leasing and equipment finance
Loans and Leases Receivable Disclosure [Line Items]
Loans and leases	4,276,008	4,336,310
Inventory finance
Loans and Leases Receivable Disclosure [Line Items]
Loans and leases	2,864,248	2,470,175
Auto finance
Loans and Leases Receivable Disclosure [Line Items]
Loans and leases	2,780,416	2,647,741
Other
Loans and Leases Receivable Disclosure [Line Items]
Loans and leases	16,785	18,771
First mortgage lien | Consumer real estate
Loans and Leases Receivable Disclosure [Line Items]
Loans and leases	2,166,691	2,292,596
Junior lien | Consumer real estate
Loans and Leases Receivable Disclosure [Line Items]
Loans and leases	$ 2,494,696	$ 2,791,756

Loans and Leases (Details 2)

Loans and Leases (Details 2) - Consumer Borrower - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2017	Mar. 31, 2016
Consumer Real Estate Loan
Accounts, Notes, Loans and Financing Receivable [Line Items]
Sales proceeds, net	$ 388,690	$ 326,961
Interest-only strips, initial value	1,347	5,661
Recorded investment in loans sold, including accrued interest	(380,762)	(322,501)
Net gains	9,275	10,121
Loans | Auto Finance
Accounts, Notes, Loans and Financing Receivable [Line Items]
Sales proceeds, net	254,164	453,747
Interest-only strips, initial value	0	4,841
Recorded investment in loans sold, including accrued interest	(250,588)	(446,365)
Net gains	$ 3,576	$ 12,223

Loans and Leases (Details 3)

Loans and Leases (Details 3) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2017	Mar. 31, 2016	Dec. 31, 2016
Consumer Real Estate Loan
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivable, Significant Sales	$ 49,400
Consumer Real Estate Loan | Consumer Borrower
Accounts, Notes, Loans and Financing Receivable [Line Items]
Interest-only strips	25,418		$ 27,260
Contractual liabilities related to sale of loans	986		701
Impairment related to consumer real estate interest-only strips	579	$ 0
Auto Finance | Consumer Borrower
Accounts, Notes, Loans and Financing Receivable [Line Items]
Interest-only strips	10,365		12,892
Contractual liabilities related to sale of loans	150		$ 168
Impairment related to auto finance interest-only strips	$ 24	$ 5

Allowance for Loan and Lease 47

Allowance for Loan and Lease Losses and Credit Quality Information (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2017	Mar. 31, 2016
Allowance for loan and lease losses
Balance, beginning of period	$ 160,269	$ 156,054
Charge-offs	(18,902)	(16,667)
Recoveries	13,813	4,761
Net (charge-offs) recoveries	(5,089)	(11,906)
Provision for credit losses	12,193	18,842
Other	(7,207)	(2,916)
Balance, end of period	160,166	160,074
Consumer Real Estate
Allowance for loan and lease losses
Balance, beginning of period	59,448	67,992
Charge-offs	(3,452)	(6,061)
Recoveries	10,692	1,290
Net (charge-offs) recoveries	7,240	(4,771)
Provision for credit losses	(8,137)	5,025
Other	(4,700)	(1,518)
Balance, end of period	53,851	66,728
Commercial
Allowance for loan and lease losses
Balance, beginning of period	32,695	30,185
Charge-offs	(2,732)	(28)
Recoveries	65	219
Net (charge-offs) recoveries	(2,667)	191
Provision for credit losses	3,669	1,171
Other	0	0
Balance, end of period	33,697	31,547
Leasing and Equipment Finance
Allowance for loan and lease losses
Balance, beginning of period	21,350	19,018
Charge-offs	(2,046)	(1,972)
Recoveries	614	681
Net (charge-offs) recoveries	(1,432)	(1,291)
Provision for credit losses	1,386	1,727
Other	(47)	0
Balance, end of period	21,257	19,454
Inventory Finance
Allowance for loan and lease losses
Balance, beginning of period	13,932	11,128
Charge-offs	(219)	(641)
Recoveries	119	385
Net (charge-offs) recoveries	(100)	(256)
Provision for credit losses	1,965	2,263
Other	19	171
Balance, end of period	15,816	13,306
Auto Finance
Allowance for loan and lease losses
Balance, beginning of period	32,310	26,486
Charge-offs	(8,813)	(6,330)
Recoveries	1,233	883
Net (charge-offs) recoveries	(7,580)	(5,447)
Provision for credit losses	12,857	9,065
Other	(2,479)	(1,569)
Balance, end of period	35,108	28,535
Other
Allowance for loan and lease losses
Balance, beginning of period	534	1,245
Charge-offs	(1,640)	(1,635)
Recoveries	1,090	1,303
Net (charge-offs) recoveries	(550)	(332)
Provision for credit losses	453	(409)
Other	0	0
Balance, end of period	$ 437	$ 504

Allowance for Loan and Lease 48

Allowance for Loan and Lease Losses and Credit Quality Information (Details 2) - USD ($) $ in Thousands	Mar. 31, 2017	Dec. 31, 2016	Mar. 31, 2016	Dec. 31, 2015
Allowance for loan and lease losses:
Collectively evaluated for impairment	$ 134,452	$ 131,569
Individually evaluated for impairment	25,714	28,700
Total	160,166	160,269	$ 160,074	$ 156,054
Loans and leases outstanding:
Collectively evaluated for impairment	17,734,971	17,569,357
Individually evaluated for impairment	239,910	274,453
Total loans and leases	17,974,894	17,843,827
Receivables Acquired with Deteriorated Credit Quality
Loans and leases outstanding:
Loans acquired with deteriorated credit quality	13	17
Consumer Real Estate
Allowance for loan and lease losses:
Collectively evaluated for impairment	33,472	36,103
Individually evaluated for impairment	20,379	23,345
Total	53,851	59,448	66,728	67,992
Loans and leases outstanding:
Collectively evaluated for impairment	4,497,659	4,884,653
Individually evaluated for impairment	163,728	199,699
Total loans and leases	4,661,387	5,084,352
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	32,698	31,430
Individually evaluated for impairment	999	1,265
Total	33,697	32,695	31,547	30,185
Loans and leases outstanding:
Collectively evaluated for impairment	3,332,256	3,242,389
Individually evaluated for impairment	43,794	44,089
Total loans and leases	3,376,050	3,286,478
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	18,829	19,093
Individually evaluated for impairment	2,428	2,257
Total	21,257	21,350	19,454	19,018
Loans and leases outstanding:
Collectively evaluated for impairment	4,258,234	4,320,129
Individually evaluated for impairment	17,761	16,165
Total loans and leases	4,276,008	4,336,310
Leasing and Equipment Finance | Receivables Acquired with Deteriorated Credit Quality
Loans and leases outstanding:
Loans acquired with deteriorated credit quality	13	16
Inventory Finance
Allowance for loan and lease losses:
Collectively evaluated for impairment	14,789	13,304
Individually evaluated for impairment	1,027	628
Total	15,816	13,932	13,306	11,128
Loans and leases outstanding:
Collectively evaluated for impairment	2,859,086	2,465,041
Individually evaluated for impairment	5,162	5,134
Total loans and leases	2,864,248	2,470,175
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	34,228	31,106
Individually evaluated for impairment	880	1,204
Total	35,108	32,310	28,535	26,486
Loans and leases outstanding:
Collectively evaluated for impairment	2,770,956	2,638,380
Individually evaluated for impairment	9,460	9,360
Total loans and leases	2,780,416	2,647,741
Auto Finance | Receivables Acquired with Deteriorated Credit Quality
Loans and leases outstanding:
Loans acquired with deteriorated credit quality	0	1
Other
Allowance for loan and lease losses:
Collectively evaluated for impairment	436	533
Individually evaluated for impairment	1	1
Total	437	534	$ 504	$ 1,245
Loans and leases outstanding:
Collectively evaluated for impairment	16,780	18,765
Individually evaluated for impairment	5	6
Total loans and leases	16,785	18,771
Other | Receivables Acquired with Deteriorated Credit Quality
Loans and leases outstanding:
Loans acquired with deteriorated credit quality	$ 0	$ 0

Allowance for Loan and Lease 49

Allowance for Loan and Lease Losses and Credit Quality Information (Details 3) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2017	Mar. 31, 2016	Dec. 31, 2016
Accruing and Non-accrual Loans and Leases
Current and Delinquent and Accruing	$ 17,835,913		$ 17,662,382
Non-accrual	138,981		181,445
Total loans and leases	17,974,894		17,843,827
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	4,498	$ 5,267
Interest income recognized on non-accrual loans and leases	1,056	966
Unrecognized interest income	3,442	$ 4,301
Current-59 Days Delinquent and Accruing
Accruing and Non-accrual Loans and Leases
Current and Delinquent and Accruing	17,820,029		17,641,553
60-89 Days Delinquent and Accruing
Accruing and Non-accrual Loans and Leases
Delinquent and Accruing	10,829		15,278
90 Days or More Delinquent and Accruing
Accruing and Non-accrual Loans and Leases
Delinquent and Accruing	5,055		5,551
Financing receivables
Accruing and Non-accrual Loans and Leases
Current and Delinquent and Accruing	17,835,865		17,662,269
Non-accrual	138,981		181,445
Total loans and leases	17,974,846		17,843,714
Financing receivables | Current-59 Days Delinquent and Accruing
Accruing and Non-accrual Loans and Leases
Current and Delinquent and Accruing	17,819,981		17,641,440
Financing receivables | 60-89 Days Delinquent and Accruing
Accruing and Non-accrual Loans and Leases
Delinquent and Accruing	10,829		15,278
Financing receivables | 90 Days or More Delinquent and Accruing
Accruing and Non-accrual Loans and Leases
Delinquent and Accruing	5,055		5,551
Consumer Real Estate
Accruing and Non-accrual Loans and Leases
Current and Delinquent and Accruing	4,559,450		4,931,881
Non-accrual	101,937		152,471
Total loans and leases	4,661,387		5,084,352
Consumer Real Estate | Current-59 Days Delinquent and Accruing
Accruing and Non-accrual Loans and Leases
Current and Delinquent and Accruing	4,552,406		4,921,752
Consumer Real Estate | 60-89 Days Delinquent and Accruing
Accruing and Non-accrual Loans and Leases
Delinquent and Accruing	4,859		7,985
Consumer Real Estate | 90 Days or More Delinquent and Accruing
Accruing and Non-accrual Loans and Leases
Delinquent and Accruing	2,185		2,144
First mortgage lien
Accruing and Non-accrual Loans and Leases
Current and Delinquent and Accruing	2,089,750		2,186,471
Non-accrual	76,941		106,125
Total loans and leases	2,166,691		2,292,596
First mortgage lien | Current-59 Days Delinquent and Accruing
Accruing and Non-accrual Loans and Leases
Current and Delinquent and Accruing	2,083,889		2,177,746
First mortgage lien | 60-89 Days Delinquent and Accruing
Accruing and Non-accrual Loans and Leases
Delinquent and Accruing	3,676		6,581
First mortgage lien | 90 Days or More Delinquent and Accruing
Accruing and Non-accrual Loans and Leases
Delinquent and Accruing	2,185		2,144
Junior lien
Accruing and Non-accrual Loans and Leases
Current and Delinquent and Accruing	2,469,700		2,745,410
Non-accrual	24,996		46,346
Total loans and leases	2,494,696		2,791,756
Junior lien | Current-59 Days Delinquent and Accruing
Accruing and Non-accrual Loans and Leases
Current and Delinquent and Accruing	2,468,517		2,744,006
Junior lien | 60-89 Days Delinquent and Accruing
Accruing and Non-accrual Loans and Leases
Delinquent and Accruing	1,183		1,404
Junior lien | 90 Days or More Delinquent and Accruing
Accruing and Non-accrual Loans and Leases
Delinquent and Accruing	0		0
Consumer real estate loans to customers in bankruptcy
Accruing and Non-accrual Loans and Leases
Non-accrual	15,494		21,372
Total loans and leases	27,986		35,047
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	12,492		13,675
Total commercial
Accruing and Non-accrual Loans and Leases
Current and Delinquent and Accruing	3,363,353		3,280,559
Non-accrual	12,697		5,919
Total loans and leases	3,376,050		3,286,478
Total commercial | Current-59 Days Delinquent and Accruing
Accruing and Non-accrual Loans and Leases
Current and Delinquent and Accruing	3,363,353		3,280,559
Total commercial | 60-89 Days Delinquent and Accruing
Accruing and Non-accrual Loans and Leases
Delinquent and Accruing	0		0
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	2,664,062		2,628,627
Non-accrual	10,267		5,564
Total loans and leases	2,674,329		2,634,191
Commercial real estate | Current-59 Days Delinquent and Accruing
Accruing and Non-accrual Loans and Leases
Current and Delinquent and Accruing	2,664,062		2,628,627
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	699,291		651,932
Non-accrual	2,430		355
Total loans and leases	701,721		652,287
Commercial business | Current-59 Days Delinquent and Accruing
Accruing and Non-accrual Loans and Leases
Current and Delinquent and Accruing	699,291		651,932
Commercial business | 60-89 Days Delinquent and Accruing
Accruing and Non-accrual Loans and Leases
Delinquent and Accruing	0		0
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	4,263,687		4,325,318
Non-accrual	12,274		10,880
Total loans and leases	4,275,961		4,336,198
Leasing and equipment finance | Current-59 Days Delinquent and Accruing
Accruing and Non-accrual Loans and Leases
Current and Delinquent and Accruing	4,258,433		4,320,795
Leasing and equipment finance | 60-89 Days Delinquent and Accruing
Accruing and Non-accrual Loans and Leases
Delinquent and Accruing	3,939		3,478
Leasing and equipment finance | 90 Days or More Delinquent and Accruing
Accruing and Non-accrual Loans and Leases
Delinquent and Accruing	1,315		1,045
Inventory Finance
Accruing and Non-accrual Loans and Leases
Current and Delinquent and Accruing	2,859,086		2,465,041
Non-accrual	5,162		5,134
Total loans and leases	2,864,248		2,470,175
Inventory Finance | Current-59 Days Delinquent and Accruing
Accruing and Non-accrual Loans and Leases
Current and Delinquent and Accruing	2,858,986		2,464,986
Inventory Finance | 60-89 Days Delinquent and Accruing
Accruing and Non-accrual Loans and Leases
Delinquent and Accruing	87		16
Inventory Finance | 90 Days or More Delinquent and Accruing
Accruing and Non-accrual Loans and Leases
Delinquent and Accruing	13		39
Auto finance
Accruing and Non-accrual Loans and Leases
Current and Delinquent and Accruing	2,773,506		2,640,702
Non-accrual	6,909		7,038
Total loans and leases	2,780,415		2,647,740
Auto finance | Current-59 Days Delinquent and Accruing
Accruing and Non-accrual Loans and Leases
Current and Delinquent and Accruing	2,770,028		2,634,600
Auto finance | 60-89 Days Delinquent and Accruing
Accruing and Non-accrual Loans and Leases
Delinquent and Accruing	1,942		3,785
Auto finance | 90 Days or More Delinquent and Accruing
Accruing and Non-accrual Loans and Leases
Delinquent and Accruing	1,536		2,317
Other
Accruing and Non-accrual Loans and Leases
Current and Delinquent and Accruing	16,783		18,768
Non-accrual	2		3
Total loans and leases	16,785		18,771
Other | Current-59 Days Delinquent and Accruing
Accruing and Non-accrual Loans and Leases
Current and Delinquent and Accruing	16,775		18,748
Other | 60-89 Days Delinquent and Accruing
Accruing and Non-accrual Loans and Leases
Delinquent and Accruing	2		14
Other | 90 Days or More Delinquent and Accruing
Accruing and Non-accrual Loans and Leases
Delinquent and Accruing	6		6
Portfolios acquired with deteriorated credit quality
Accruing and Non-accrual Loans and Leases
Current and Delinquent and Accruing	48		113
Non-accrual	0		0
Total loans and leases	48		113
Portfolios acquired with deteriorated credit quality | Current-59 Days Delinquent and Accruing
Accruing and Non-accrual Loans and Leases
Current and Delinquent and Accruing	48		113
Portfolios acquired with deteriorated credit quality | 60-89 Days Delinquent and Accruing
Accruing and Non-accrual Loans and Leases
Delinquent and Accruing	0		0
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 50

Allowance for Loan and Lease Losses and Credit Quality Information (Details 4) - USD ($) $ in Millions	3 Months Ended		12 Months Ended
	Mar. 31, 2017	Mar. 31, 2016	Dec. 31, 2016
Loan Modifications for Borrowers with Financial Difficulties
TDR loans	$ 175.6		$ 207.4
Accruing TDR Loans	117.4		126
Unfunded commitments to consumer real estate and commercial loans classified as TDRs	0.5		0.4
Commercial Borrower
Loan Modifications for Borrowers with Financial Difficulties
TDR loans	22.5		22.5
Accruing TDR Loans	13.4		20.3
Allowance on accruing TDR loans	$ 0.1		$ 1.1
Allowance on accruing TDR loans (as a percent)	0.10%		5.60%
Delinquency period of performing loans and leases	60 days		60 days
Consumer Real Estate Loan | Consumer Borrower
Loan Modifications for Borrowers with Financial Difficulties
TDR loans	$ 138.1		$ 170.6
Accruing TDR Loans	$ 96.3		98.6
Average yield on TDR loans (as a percent)	4.20%	4.10%
Contractual average rate of TDR loans (as a percent)	6.60%	6.70%
Allowance on accruing TDR loans	$ 18.8		$ 19.3
Allowance on accruing TDR loans (as a percent)	19.50%		19.60%
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	0.90%		1.50%
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	$ 26.2		$ 47.4
Portion of non-accrual TDR balance, loans discharged in Chapter 7 bankruptcy that are not reaffirmed (as a percent)	62.70%		65.90%
Portion of non-accrual TDR balance, loans discharged in Chapter 7 bankruptcy that are not reaffirmed, current (as a percent)	70.00%		82.20%
Consumer Real Estate Loan | Consumer Borrower | First mortgage lien
Loan Modifications for Borrowers with Financial Difficulties
Unrecognized Interest Income	$ 0.5	$ 0.5
Consumer Real Estate Loan | Consumer Borrower | Junior lien
Loan Modifications for Borrowers with Financial Difficulties
Unrecognized Interest Income	$ 0.2	$ 0.2

Allowance for Loan and Lease 51

Allowance for Loan and Lease Losses and Credit Quality Information (Details 5) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2017	Mar. 31, 2016
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	$ 11,223	$ 510
Consumer Real Estate Loan | Consumer Borrower
Loan Modifications for Borrowers with Financial Difficulties
Loan Balance	480	44
Consumer Real Estate Loan | Consumer Borrower | First mortgage lien
Loan Modifications for Borrowers with Financial Difficulties
Loan Balance	368	0
Consumer Real Estate Loan | Consumer Borrower | Junior lien
Loan Modifications for Borrowers with Financial Difficulties
Loan Balance	112	44
Consumer Real Estate Loan | Commercial real estate
Loan Modifications for Borrowers with Financial Difficulties
Loan Balance	6,681	0
Consumer Real Estate Loan | Commercial business
Loan Modifications for Borrowers with Financial Difficulties
Loan Balance	3,353	0
Commercial Financing Receivable | Commercial Borrower
Loan Modifications for Borrowers with Financial Difficulties
Loan Balance	10,034	0
Leasing and Equipment Finance
Loan Modifications for Borrowers with Financial Difficulties
Loan Balance	407	0
Auto Finance
Loan Modifications for Borrowers with Financial Difficulties
Loan Balance	$ 302	$ 466

Allowance for Loan and Lease 52

Allowance for Loan and Lease Losses and Credit Quality Information (Details 6) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2017	Mar. 31, 2016	Dec. 31, 2016
Impaired Loans
Unpaid Contractual Balance	$ 237,627		$ 287,526
Loan Balance	188,287		219,657
Related Allowance Recorded	24,214		26,728
Average Loan Balance	204,654	$ 236,732
Interest Income Recognized	2,124	2,007
Impaired loans with an allowance recorded
Impaired Loans
Unpaid Contractual Balance	168,755		215,346
Loan Balance	150,519		185,790
Related Allowance Recorded	24,214		26,728
Average Loan Balance	168,836	203,654
Interest Income Recognized	1,336	1,545
Impaired loans with an allowance recorded | Consumer real estate
Impaired Loans
Unpaid Contractual Balance	141,119		185,185
Loan Balance	124,236		156,011
Related Allowance Recorded	20,223		22,664
Average Loan Balance	140,806	181,150
Interest Income Recognized	1,171	1,465
Impaired loans with an allowance recorded | First mortgage lien
Impaired Loans
Unpaid Contractual Balance	100,409		122,704
Loan Balance	87,992		104,601
Related Allowance Recorded	15,410		16,835
Average Loan Balance	96,979	123,115
Interest Income Recognized	725	835
Impaired loans with an allowance recorded | Junior lien
Impaired Loans
Unpaid Contractual Balance	40,710		62,481
Loan Balance	36,244		51,410
Related Allowance Recorded	4,813		5,829
Average Loan Balance	43,827	58,035
Interest Income Recognized	446	630
Impaired loans with an allowance recorded | Total commercial
Impaired Loans
Unpaid Contractual Balance	6,492		10,097
Loan Balance	5,483		10,089
Related Allowance Recorded	999		1,265
Average Loan Balance	7,785	5,661
Interest Income Recognized	64	33
Impaired loans with an allowance recorded | Commercial real estate
Impaired Loans
Unpaid Contractual Balance	3,393		10,083
Loan Balance	3,394		10,075
Related Allowance Recorded	120		1,262
Average Loan Balance	6,733	5,645
Interest Income Recognized	16	33
Impaired loans with an allowance recorded | Commercial business
Impaired Loans
Unpaid Contractual Balance	3,099		14
Loan Balance	2,089		14
Related Allowance Recorded	879		3
Average Loan Balance	1,052	16
Interest Income Recognized	48	0
Impaired loans with an allowance recorded | Leasing and Equipment Finance
Impaired Loans
Unpaid Contractual Balance	11,342		9,900
Loan Balance	11,342		9,900
Related Allowance Recorded	1,169		1,044
Average Loan Balance	10,620	7,794
Interest Income Recognized	3	13
Impaired loans with an allowance recorded | Inventory Finance
Impaired Loans
Unpaid Contractual Balance	4,646		4,357
Loan Balance	4,655		4,365
Related Allowance Recorded	1,027		628
Average Loan Balance	4,510	1,579
Interest Income Recognized	52	16
Impaired loans with an allowance recorded | Auto Finance
Impaired Loans
Unpaid Contractual Balance	5,151		5,801
Loan Balance	4,798		5,419
Related Allowance Recorded	795		1,126
Average Loan Balance	5,109	7,460
Interest Income Recognized	46	18
Impaired loans with an allowance recorded | Other
Impaired Loans
Unpaid Contractual Balance	5		6
Loan Balance	5		6
Related Allowance Recorded	1		1
Average Loan Balance	6	10
Interest Income Recognized	0	0
Impaired loans without an allowance recorded
Impaired Loans
Unpaid Contractual Balance	68,872		72,180
Loan Balance	37,768		33,867
Average Loan Balance	35,818	33,078
Interest Income Recognized	788	462
Impaired loans without an allowance recorded | Consumer real estate
Impaired Loans
Unpaid Contractual Balance	35,571		45,454
Loan Balance	13,894		14,556
Average Loan Balance	14,225	3,555
Interest Income Recognized	570	200
Impaired loans without an allowance recorded | First mortgage lien
Impaired Loans
Unpaid Contractual Balance	17,007		18,539
Loan Balance	12,010		12,674
Average Loan Balance	12,342	3,045
Interest Income Recognized	318	52
Impaired loans without an allowance recorded | Junior lien
Impaired Loans
Unpaid Contractual Balance	18,564		26,915
Loan Balance	1,884		1,882
Average Loan Balance	1,883	510
Interest Income Recognized	252	148
Impaired loans without an allowance recorded | Total commercial
Impaired Loans
Unpaid Contractual Balance	28,194		21,955
Loan Balance	20,596		16,134
Average Loan Balance	18,365	27,701
Interest Income Recognized	174	251
Impaired loans without an allowance recorded | Commercial real estate
Impaired Loans
Unpaid Contractual Balance	27,690		21,601
Loan Balance	20,092		15,780
Average Loan Balance	17,936	23,820
Interest Income Recognized	174	251
Impaired loans without an allowance recorded | Commercial business
Impaired Loans
Unpaid Contractual Balance	504		354
Loan Balance	504		354
Average Loan Balance	429	3,881
Interest Income Recognized	0	0
Impaired loans without an allowance recorded | Inventory Finance
Impaired Loans
Unpaid Contractual Balance	506		767
Loan Balance	507		769
Average Loan Balance	638	220
Interest Income Recognized	44	11
Impaired loans without an allowance recorded | Auto Finance
Impaired Loans
Unpaid Contractual Balance	4,513		3,919
Loan Balance	2,771		2,408
Average Loan Balance	2,590	1,602
Interest Income Recognized	0	$ 0
Impaired loans without an allowance recorded | Other
Impaired Loans
Unpaid Contractual Balance	88		85
Loan Balance	$ 0		$ 0

Long-term Borrowings (Details)

Long-term Borrowings (Details) - USD ($) $ in Thousands	Mar. 31, 2017	Dec. 31, 2016
Debt instrument
Long-term borrowings	$ 1,241,155	$ 1,073,181
Federal Home Loan Bank advances
Debt instrument
Long-term borrowings	850,000	675,000
Variable-rate FHLB advances prepayable monthly	850,000
Federal Home Loan Bank advances | Maturity Year 2017 | TCF Bank
Debt instrument
Loans pledged as collateral	4,400,000
Federal Home Loan Bank advances | Maturity Year 2018
Debt instrument
Long-term borrowings	$ 100,000	$ 375,000
Stated Rate	0.99%
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	$ 750,000	$ 300,000
Federal Home Loan Bank advances | Maturity Year 2019 | Minimum
Debt instrument
Stated Rate	0.99%	0.78%
Federal Home Loan Bank advances | Maturity Year 2019 | Maximum
Debt instrument
Stated Rate	1.04%	0.81%
Subordinated bank notes
Debt instrument
Long-term borrowings	$ 254,945	$ 255,357
Subordinated bank notes | Maturity Year 2022
Debt instrument
Long-term borrowings	$ 108,706	$ 108,654
Stated Rate	6.25%	6.25%
Subordinated bank notes | Maturity Year 2025
Debt instrument
Long-term borrowings	$ 148,101	$ 148,052
Stated Rate	4.60%	4.60%
Subordinated bank notes | Maturity Year 2025, Interest Rate Swap
Debt instrument
Long-term borrowings	$ (1,862)	$ (1,349)
Discounted lease rentals
Debt instrument
Long-term borrowings	133,436	140,060
Discounted lease rentals | Maturity Year 2017
Debt instrument
Long-term borrowings	$ 42,108	$ 57,081
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	$ 44,807	$ 42,132
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	$ 27,320	$ 24,671
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	$ 13,383	$ 11,753
Discounted lease rentals | Maturity Year 2020 | Minimum
Debt instrument
Stated Rate	2.64%	2.64%
Discounted lease rentals | Maturity Year 2020 | Maximum
Debt instrument
Stated Rate	6.90%	6.90%
Discounted lease rentals | Maturity Year 2021
Debt instrument
Long-term borrowings	$ 5,572	$ 4,423
Discounted lease rentals | Maturity Year 2021 | Minimum
Debt instrument
Stated Rate	2.88%	2.88%
Discounted lease rentals | Maturity Year 2021 | Maximum
Debt instrument
Stated Rate	5.00%	4.57%
Discounted lease rentals | Maturity Year 2022
Debt instrument
Long-term borrowings	$ 246	$ 0
Stated Rate		0.00%
Discounted lease rentals | Maturity Year 2022 | Minimum
Debt instrument
Stated Rate	3.95%
Discounted lease rentals | Maturity Year 2022 | Maximum
Debt instrument
Stated Rate	5.17%
Other long-term borrowings | Maturity Year 2017
Debt instrument
Long-term borrowings	$ 2,774	$ 2,764
Stated Rate	1.36%	1.36%

Regulatory Capital Requiremen54

Regulatory Capital Requirements (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2017	Dec. 31, 2016
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	$ 361,200
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	$ 2,003,988	$ 1,970,323
Tier 1 capital	2,288,736	2,248,221
Total capital	$ 2,667,204	$ 2,635,925
Common equity Tier 1 capital ratio
Actual, Ratio	10.11%	10.24%
Tier 1 risk-based capital ratio
Actual, Ratio	11.55%	11.68%
Total risk-based capital ratio
Actual, Ratio	13.46%	13.69%
Tier 1 leverage ratio
Actual, Ratio	10.64%	10.73%
TCF Bank
Compliance with Regulatory Capital Requirements under Banking Regulations
Capital conservation buffer excluded from minimum capital requirement	1.25%	0.625%
Regulatory Capital:
Common equity Tier 1 capital	$ 2,182,487	$ 2,144,966
Tier 1 capital	2,209,038	2,162,128
Total capital	$ 2,630,339	$ 2,583,512
Common equity Tier 1 capital ratio
Actual, Ratio	11.01%	11.14%
Well-Capitalized Capital Requirement, Ratio	6.50%
Minimum Capital Requirement, Ratio	4.50%
Tier 1 risk-based capital ratio
Actual, Ratio	11.15%	11.23%
Well-Capitalized Capital Requirement, Ratio	8.00%
Minimum Capital Requirement, Ratio	6.00%
Total risk-based capital ratio
Actual, Ratio	13.27%	13.42%
Well-Capitalized Capital Requirement, Ratio	10.00%
Minimum Capital Requirement, Ratio	8.00%
Tier 1 leverage ratio
Actual, Ratio	10.27%	10.32%
Well-Capitalized Capital Requirement, Ratio	5.00%
Minimum Capital Requirement, Ratio	4.00%

Stock Compensation (Details)

Stock Compensation (Details) - $ / shares	Mar. 31, 2017	Mar. 31, 2017	Dec. 31, 2016
Restricted Stock Awards (RSAs)
Restricted Stock Awards, Shares Activity
Outstanding at the beginning of the period (in shares)		3,536,175
Granted (in shares)		134,621
Forfeited/cancelled (in shares)		(399,042)
Vested (in shares)		(578,843)
Outstanding at the end of the period (in shares)	2,692,911	2,692,911	3,536,175
Restricted Stock Awards, Weighted-Average Grant Date Fair Value
Weighted-Average Grant Date Fair Value, Outstanding at the beginning (in dollars per share)		$ 12.81
Weighted-Average Grant Date Fair Value, Granted (in dollars per share)		18.58
Weighted-Average Grant Date Fair Value, Forfeited/cancelled (in dollars per share)		10.32
Weighted-Average Grant Date Fair Value, Vested (in dollars per share)		14.82
Weighted-Average Grant Date Fair Value, Outstanding at the end (in dollars per share)	$ 13.04	13.04	$ 12.81
Restricted Stock Awards (RSAs) | Minimum
Restricted Stock Awards, Grant Date Fair Value Range
Grand Date Fair Value, Outstanding at the beginning (in dollars per share)		7.73
Grant Date Fair Value, Granted (in dollars per share)		18.47
Grant Date Fair Value, Forfeited/canceled (in dollars per share)		7.73
Grant Date Fair Value, Vested (in dollars per share)		9.36
Grand Date Fair Value, Outstanding at the end (in dollars per share)	7.73	7.73	7.73
Restricted Stock Awards (RSAs) | Maximum
Restricted Stock Awards, Grant Date Fair Value Range
Grand Date Fair Value, Outstanding at the beginning (in dollars per share)		16.28
Grant Date Fair Value, Granted (in dollars per share)		18.58
Grant Date Fair Value, Forfeited/canceled (in dollars per share)		15.74
Grant Date Fair Value, Vested (in dollars per share)		16.02
Grand Date Fair Value, Outstanding at the end (in dollars per share)	$ 18.58	$ 18.58	$ 16.28
Restricted Stock Units (RSUs) | Omnibus Incentive Plan
Restricted Stock Awards, Shares Activity
Vested (in shares)	0
Stock Options
Stock options, shares activity
Outstanding at the beginning of the period (in shares)		404,000
Granted (in shares)		0
Exercised (in shares)		(38,000)
Forfeited/canceled (in shares)		0
Vested (in shares)		0
Outstanding at the end of the period (in shares)	366,000	366,000	404,000
Stock Options, Weighted-Average Remaining Contractual Life
Weighted- Average Remaining Contractual Life		9 months 22 days	1 year 22 days
Weighted-Average Exercise Price
Weighted-Average Exercise Price, Outstanding at the beginning (in dollars per share)		$ 15.75
Weighted-Average Exercise Price, Granted (in dollars per share)		0
Weighted-Average Exercise Price, Exercised (in dollars per share)		15.75
Weighted-Average Exercise Price, Forfeited/canceled (in dollars per share)		0
Weighted-Average Exercise Price, Vested (in dollars per share)		0
Weighted-Average Exercise Price, Outstanding at the end (in dollars per share)	$ 15.75	$ 15.75	$ 15.75
Stock options outstanding and exercisable
Stock Options Exercisable (in shares)	366,000	366,000
Stock Options Exercisable, Weighted-Average Exercise Price (in dollars per share)	$ 15.75	$ 15.75
Stock Options | Omnibus Incentive Plan
Stock options, shares activity
Granted (in shares)		0
Stock Options | Incentive Stock Program
Stock options, shares activity
Granted (in shares)		0
Stock Options | Minimum
Stock Options, Exercise Price Range
Exercise price, Outstanding at the beginning (in dollars per share)		$ 15.75
Exercise price, Granted (in dollars per share)		0
Exercise price, Exercised (in dollars per share)		15.75
Exercise price, Forfeited/canceled (in dollars per share)		0
Exercise price, Vested (in dollars per share)		0
Exercise price, Outstanding at the end (in dollars per share)	15.75	15.75	15.75
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
Exercise price, Granted (in dollars per share)		0
Exercise price, Exercised (in dollars per share)		15.75
Exercise price, Forfeited/canceled (in dollars per share)		0
Exercise price, Vested (in dollars per share)		0
Exercise price, Outstanding at the end (in dollars per share)	$ 15.75	15.75	$ 15.75
Stock options outstanding and exercisable
Exercise price, Stock options exercisable (in dollars per share)		$ 15.75

Stock Compensation (Details 2)

Stock Compensation (Details 2) - USD ($) $ in Millions	Mar. 31, 2017	Mar. 31, 2017	Mar. 31, 2016
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)	350,000	350,000
Unrecognized stock compensation expense for restricted stock awards	$ 22.2	$ 22.2
Weighted-average amortization period		1 year 9 months 18 days
Restricted stock units vested (in shares)		578,843
Restricted Stock Awards and Restricted Stock Units
Share-based compensation
Compensation expense		$ 1.9	$ 2.3
Stock Options
Share-based compensation
Granted (in shares)		0
Omnibus Incentive Plan | Restricted Stock Units (RSUs)
Share-based compensation
Restricted stock units, grants in period (in shares)	360,988	360,988
Restricted stock, maximum multiplier		150.00%
Restricted stock units vested (in shares)	0
Remaining performance period for RSUs		2 years 4 months 24 days
Omnibus Incentive Plan | Stock Options
Share-based compensation
Granted (in shares)		0
Incentive Stock Program | Stock Options
Share-based compensation
Granted (in shares)		0

Employee Benefit Plans (Details

Employee Benefit Plans (Details) - USD ($)	3 Months Ended
	Mar. 31, 2017	Mar. 31, 2016
Pension Plan
Net periodic benefit plan (income) cost included in compensation and employee benefits expense
Interest cost on projected benefit obligation	$ 285,000	$ 320,000
(Gain) loss on plan assets	(142,000)	(146,000)
Net periodic benefit plan (income) cost	143,000	174,000
TCF contributions	0	0
Postretirement Plan
Net periodic benefit plan (income) cost included in compensation and employee benefits expense
Interest cost on projected benefit obligation	34,000	38,000
Amortization of prior service cost	(12,000)	(12,000)
Net periodic benefit plan (income) cost	22,000	26,000
TCF contributions	$ 100,000	$ 100,000

Derivative Instruments (Details

Derivative Instruments (Details) - USD ($) $ in Thousands	Mar. 31, 2017	Dec. 31, 2016
Derivative assets
Gross Amounts Recognized	$ 2,009	$ 6,320
Gross Amounts Offset	(122)	(2,072)
Net Amount Presented	1,887	4,248
Derivative liabilities
Gross Amounts Recognized	3,562	4,365
Gross Amounts Offset	(2,257)	(3,716)
Net Amount Presented	1,305	649
Interest rate contracts | Designated as Hedges
Derivative assets
Notional Amount	150,000
Gross Amounts Recognized	442
Gross Amounts Offset	(122)
Net Amount Presented	320
Derivative liabilities
Notional Amount		150,000
Gross Amounts Recognized		1,320
Gross Amounts Offset		(1,320)
Net Amount Presented		0
Interest rate contracts | Not Designated as Hedges
Derivative assets
Notional Amount	159,766	149,499
Gross Amounts Recognized	1,032	1,925
Gross Amounts Offset	0	(633)
Net Amount Presented	1,032	1,292
Derivative liabilities
Notional Amount	159,766	149,499
Gross Amounts Recognized	848	1,936
Gross Amounts Offset	(122)	(1,332)
Net Amount Presented	726	604
Forward foreign exchange contracts | Designated as Hedges
Derivative assets
Notional Amount		61,760
Gross Amounts Recognized		1,082
Gross Amounts Offset		0
Net Amount Presented		1,082
Derivative liabilities
Notional Amount	64,652
Gross Amounts Recognized	661
Gross Amounts Offset	(540)
Net Amount Presented	121
Forward foreign exchange contracts | Not Designated as Hedges
Derivative assets
Notional Amount	45,054	250,018
Gross Amounts Recognized	71	2,995
Gross Amounts Offset	0	(1,439)
Net Amount Presented	71	1,556
Derivative liabilities
Notional Amount	293,752	115,336
Gross Amounts Recognized	1,512	469
Gross Amounts Offset	(1,054)	(445)
Net Amount Presented	458	24
Interest rate lock commitments | Not Designated as Hedges
Derivative assets
Notional Amount	27,118	27,954
Gross Amounts Recognized	464	318
Gross Amounts Offset	0	0
Net Amount Presented	464	318
Derivative liabilities
Notional Amount	151	2,947
Gross Amounts Recognized	0	21
Gross Amounts Offset	0	0
Net Amount Presented	0	21
Other contracts | Not Designated as Hedges
Derivative liabilities
Notional Amount	13,804	13,804
Gross Amounts Recognized	541	619
Gross Amounts Offset	(541)	(619)
Net Amount Presented	$ 0	$ 0

Derivative Instruments (Detai59

Derivative Instruments (Details 2) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2017	Mar. 31, 2016
Derivative instruments, gain (loss)
Net gain (loss) recognized	$ (3,089)	$ (26,042)
Net investment hedges:
Net unrealized gain (loss)	(504)	(3,257)
Other Comprehensive Income (Loss) | Designated as Hedges | Net Investment Hedges
Net investment hedges:
Net unrealized gain (loss)	(504)	(3,257)
Non-interest income | Designated as Hedges | Fair Value Hedging
Derivative instruments, gain (loss)
Net gain (loss) recognized	513	(6,371)
Interest rate contracts
Derivative, Collateral
Cash Collateral Posted	6,000
Interest rate contracts | Non-interest income | Designated as Hedges | Fair Value Hedging
Derivative instruments, gain (loss)
Net gain (loss) recognized	(501)	7,253
Interest rate contracts | Non-interest income | Not Designated as Hedges
Derivative instruments, gain (loss)
Net gain (loss) recognized	(9)	(91)
Forward foreign exchange contracts
Credit risk-related contingent features
Forward foreign exchange contracts with credit risk-related contingent features, notional value	63,800
Additional collateral required, if TCF was rated less than BB- by Standard and Poor's	1,300
Forward foreign exchange contracts with credit risk-related contingent features, net liability amount	200
Derivative, Collateral
Cash Collateral Posted	1,600
Forward foreign exchange contracts | Non-interest expense | Not Designated as Hedges
Derivative instruments, gain (loss)
Net gain (loss) recognized	(3,259)	(26,572)
Interest rate lock commitments | Non-interest income | Not Designated as Hedges
Derivative instruments, gain (loss)
Net gain (loss) recognized	167	(176)
Other contracts
Derivative, Collateral
Cash Collateral Posted	1,400
Other contracts | Non-interest expense | Not Designated as Hedges
Derivative instruments, gain (loss)
Net gain (loss) recognized	$ 0	$ (85)

Fair Values Disclosures (Detail

Fair Values Disclosures (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2017	Mar. 31, 2016	Dec. 31, 2016
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Other Real Estate Owned	$ 32		$ 46.8
Repossessed and Returned Equipment at Carrying Value	9.4		$ 10
Measurement of fair value on a non-recurring basis
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
OREO and repossessed assets, written down	1.7	$ 2.9
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 (Deta61

Fair Values Disclosures (Details 2) - USD ($) $ in Thousands	Mar. 31, 2017	Dec. 31, 2016
Fair Value, Assets and liabilities measured at fair value on Recurring and Nonrecurring basis
Securities held to maturity	$ 176,236	$ 181,314
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	173,436	178,514
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	1,541,739	1,500,142
Liabilities, Fair value carrying amount	28,289	27,741
Measurement of fair value on a recurring basis | Loans held for sale
Fair Value, Assets and liabilities measured at fair value on Recurring and Nonrecurring basis
Assets, Fair value carrying amount	3,362	6,498
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	35,783	40,152
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	71	4,077
Liabilities, Fair value carrying amount	2,173	469
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	1,474	1,925
Liabilities, Fair value carrying amount	848	3,256
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	464	318
Liabilities, Fair value carrying amount		21
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	541	619
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	14	374
Liabilities, Fair value carrying amount	106	13
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	24,621	23,363
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	24,621	23,363
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	815,943	810,891
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	14	18
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	659,993	612,526
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	120,464	151,546
Securities held to maturity		2,400
Loans	91,144	113,954
Repossessed and returned assets	6,184	5,567
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, Fair value disclosure	19,536	25,751
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, Fair value disclosure	3,600	3,874
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	24,621	23,363
Liabilities, Fair value carrying amount	24,621	23,363
Level 1 | Measurement of fair value on a recurring basis | Loans 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
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 | 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	24,621	23,363
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	24,621	23,363
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
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, Fair value disclosure	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, Fair value disclosure	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	1,477,481	1,429,419
Liabilities, Fair value carrying amount	3,021	3,725
Level 2 | Measurement of fair value on a recurring basis | Loans 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	71	4,077
Liabilities, Fair value carrying amount	2,173	469
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	1,474	1,925
Liabilities, Fair value carrying amount	848	3,256
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
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 | 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 | 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	815,943	810,891
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	659,993	612,526
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	3,307	2,767
Securities held to maturity		0
Loans	0	0
Repossessed and returned assets	3,307	2,767
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, Fair value disclosure	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, Fair value disclosure	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	39,637	47,360
Liabilities, Fair value carrying amount	647	653
Level 3 | Measurement of fair value on a recurring basis | Loans held for sale
Fair Value, Assets and liabilities measured at fair value on Recurring and Nonrecurring basis
Assets, Fair value carrying amount	3,362	6,498
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	35,783	40,152
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	464	318
Liabilities, Fair value carrying amount		21
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	541	619
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	14	374
Liabilities, Fair value carrying amount	106	13
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 | 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	14	18
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	117,157	148,779
Securities held to maturity		2,400
Loans	91,144	113,954
Repossessed and returned assets	2,877	2,800
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, Fair value disclosure	19,536	25,751
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, Fair value disclosure	$ 3,600	$ 3,874

Fair Values Disclosures (Deta62

Fair Values Disclosures (Details 3) - Level 3 - Measurement of fair value on a recurring basis - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2017	Mar. 31, 2016
Interest rate lock commitments
Fair Value, Net Derivative Asset (Liability) Measured on Recurring Basis, Unobservable Input Reconciliation [Roll Forward]
Beginning balance	$ 297	$ 716
Net income	167	(176)
Other comprehensive income (loss)	0
Sales	0	0
Originations	0	0
Principal paydowns / settlements	0	0
Ending balance	464	540
Forward loan sales commitments
Fair Value, Net Derivative Asset (Liability) Measured on Recurring Basis, Unobservable Input Reconciliation [Roll Forward]
Beginning balance	361	265
Net income	(453)	(234)
Other comprehensive income (loss)	0
Sales	0	0
Originations	0	0
Principal paydowns / settlements	0	0
Ending balance	(92)	31
Other Contract
Fair Value, Net Derivative Asset (Liability) Measured on Recurring Basis, Unobservable Input Reconciliation [Roll Forward]
Beginning balance	(619)	(305)
Net income	0	(85)
Other comprehensive income (loss)	0
Sales	0	0
Originations	0	0
Principal paydowns / settlements	78	79
Ending balance	(541)	(311)
Securities available for sale
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Beginning balance	18	34
Net income	0	0
Other comprehensive income (loss)	0
Sales	0	0
Originations	0	0
Principal paydowns / settlements	(4)	(6)
Ending balance	14	28
Loans held for sale
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Beginning balance	6,498	10,568
Net income	104	138
Other comprehensive income (loss)	0
Sales	(46,714)	(79,231)
Originations	43,479	74,092
Principal paydowns / settlements	(5)	0
Ending balance	3,362	5,567
Interest-only Strips
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Beginning balance	40,152	44,332
Net income	1,113	1,465
Other comprehensive income (loss)	(328)
Sales	0	0
Originations	1,347	10,502
Principal paydowns / settlements	(6,501)	(7,572)
Ending balance	$ 35,783	$ 48,727

Fair Values Disclosures (Deta63

Fair Values Disclosures (Details 4) - Loans held for sale - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2017	Mar. 31, 2016	Dec. 31, 2016
Fair Value, Option, Quantitative Disclosures [Line Items]
Fair value carrying amount	$ 3,362		$ 6,498
Aggregate unpaid principal amount	3,297		6,563
Fair value carrying amount less aggregate unpaid principal	65		$ (65)
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	$ 1,100	$ 1,900

Fair Values Disclosures (Deta64

Fair Values Disclosures (Details 5) - USD ($) $ in Thousands	Mar. 31, 2017	Dec. 31, 2016	Mar. 31, 2016	Dec. 31, 2015
Financial instrument assets:
Securities held to maturity	$ 176,236	$ 181,314
Loans:
Consumer real estate	4,661,387	5,084,352
Inventory finance	2,864,248	2,470,175
Auto finance	2,780,416	2,647,741
Other	16,785	18,771
Allowance for loan losses	(160,166)	(160,269)	$ (160,074)	$ (156,054)
Carrying Amount
Financial instrument assets:
Investments	81,717	74,714
Securities held to maturity	176,236	181,314
Loans held for sale	604,714	268,832
Loans:
Consumer real estate	4,661,387	5,084,352
Commercial real estate	2,674,329	2,634,191
Commercial business	701,721	652,287
Equipment finance	1,986,353	2,016,732
Inventory finance	2,864,248	2,470,175
Auto finance	2,780,416	2,647,741
Other	16,785	18,771
Allowance for loan losses	(160,166)	(160,269)
Securitization receivable	18,929	18,835
Total financial instrument assets	16,406,669	15,907,675
Financial instrument liabilities:
Deposits	17,465,590	17,242,522
Long-term borrowings	1,241,155	1,073,181
Total financial instrument liabilities	18,706,745	18,315,703
Financial instruments with off-balance sheet risk:
Commitments to extend credit	20,222	21,681
Standby letters of credit	(29)	(29)
Total financial instruments with off-balance sheet risk	20,193	21,652
Estimated Fair Value
Financial instrument assets:
Investments	81,717	74,714
Securities held to maturity	178,876	183,946
Loans held for sale	633,698	282,786
Loans:
Consumer real estate	4,740,497	5,165,062
Commercial real estate	2,628,356	2,583,775
Commercial business	676,776	631,215
Equipment finance	1,957,281	1,983,237
Inventory finance	2,845,408	2,453,184
Auto finance	2,782,533	2,656,266
Other	15,172	17,780
Allowance for loan losses	0	0
Securitization receivable	18,929	18,835
Total financial instrument assets	16,559,243	16,050,800
Financial instrument liabilities:
Deposits	17,485,613	17,262,784
Long-term borrowings	1,245,937	1,076,639
Total financial instrument liabilities	18,731,550	18,339,423
Financial instruments with off-balance sheet risk:
Commitments to extend credit	20,222	21,681
Standby letters of credit	(29)	(29)
Total financial instruments with off-balance sheet risk	20,193	21,652
Estimated Fair Value | Level 1
Financial instrument assets:
Investments	0	0
Securities held to maturity	0	0
Loans 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	0
Total financial instrument assets	0	0
Financial instrument liabilities:
Deposits	13,371,039	13,150,099
Long-term borrowings	0	0
Total financial instrument liabilities	13,371,039	13,150,099
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	81,717	74,714
Securities held to maturity	176,076	181,146
Loans 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	0
Total financial instrument assets	257,793	255,860
Financial instrument liabilities:
Deposits	4,114,574	4,112,685
Long-term borrowings	1,243,163	1,073,875
Total financial instrument liabilities	5,357,737	5,186,560
Financial instruments with off-balance sheet risk:
Commitments to extend credit	20,222	21,681
Standby letters of credit	(29)	(29)
Total financial instruments with off-balance sheet risk	20,193	21,652
Estimated Fair Value | Level 3
Financial instrument assets:
Investments	0	0
Securities held to maturity	2,800	2,800
Loans held for sale	633,698	282,786
Loans:
Consumer real estate	4,740,497	5,165,062
Commercial real estate	2,628,356	2,583,775
Commercial business	676,776	631,215
Equipment finance	1,957,281	1,983,237
Inventory finance	2,845,408	2,453,184
Auto finance	2,782,533	2,656,266
Other	15,172	17,780
Allowance for loan losses	0	0
Securitization receivable	18,929	18,835
Total financial instrument assets	16,301,450	15,794,940
Financial instrument liabilities:
Deposits	0	0
Long-term borrowings	2,774	2,764
Total financial instrument liabilities	2,774	2,764
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	3 Months Ended
	Mar. 31, 2017	Mar. 31, 2016
Basic Earnings Per Common Share:
Net income available to common stockholders	$ 41,431	$ 43,199
Earnings allocated to participating securities	8	11
Earnings allocated to common stock	$ 41,423	$ 43,188
Weighted-average common shares outstanding for basic earnings per common share (in shares)	167,902,615	166,887,293
Basic earnings per common share (in dollars per share)	$ 0.25	$ 0.26
Diluted Earnings Per Common Share:
Earnings allocated to common stock	$ 41,423	$ 43,188
Weighted-average common shares outstanding used in basic earnings per common share calculation (in shares)	167,902,615	166,887,293
Net dilutive effect of:
Non-participating restricted stock (in shares)	436,442	502,270
Stock options (in shares)	41,626	45,645
Warrants (in shares)	149,051	0
Weighted-average common shares outstanding for diluted earnings per common share (in shares)	168,529,734	167,435,208
Diluted earnings per common share (in dollars per share)	$ 0.25	$ 0.26

Earnings Per Common Share (De66

Earnings Per Common Share (Details 2) - shares shares in Millions	3 Months Ended
	Mar. 31, 2017	Mar. 31, 2016
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)	0.5	5

Other Non-interest Expense (Det

Other Non-interest Expense (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2017	Mar. 31, 2016
Other Income and Expenses [Abstract]
Professional fees	$ 7,193	$ 3,602
Severance	6,633	767
Advertising and marketing	6,406	5,887
Loan and lease processing	6,181	5,960
Outside processing	4,481	3,645
Card processing and issuance costs	4,109	3,720
FDIC insurance	3,959	4,113
Other	25,075	25,654
Total other non-interest expense	$ 64,037	$ 53,348

Business Segments (Details)

Business Segments (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2017	Mar. 31, 2016	Dec. 31, 2016
Segment Reporting Information
Net interest income	$ 222,114	$ 211,658
Provision for credit losses	12,193	18,842
Non-interest income	103,514	112,602
Non-interest expense	244,006	228,334
Income tax expense (benefit)	20,843	26,803
Income after income tax expense	48,586	50,281
Income attributable to non-controlling interest	2,308	2,235
Preferred stock dividends	4,847	4,847
Net income available to common stockholders	41,431	43,199
Total assets	21,836,568	21,321,102	$ 21,441,326
Revenues from external customers:
Interest income	242,307	232,342
Non-interest income	103,514	112,602
Total	345,821	344,944
Operating segments | Consumer Banking
Segment Reporting Information
Net interest income	140,317	139,343
Provision for credit losses	5,351	13,675
Non-interest income	72,762	81,061
Non-interest expense	169,289	160,520
Income tax expense (benefit)	13,510	16,831
Income after income tax expense	24,929	29,378
Income attributable to non-controlling interest	0	0
Preferred stock dividends	0	0
Net income available to common stockholders	24,929	29,378
Total assets	8,662,681	8,899,438
Revenues from external customers:
Interest income	109,833	112,950
Non-interest income	72,762	81,061
Total	182,595	194,011
Operating segments | Wholesale Banking
Segment Reporting Information
Net interest income	87,642	85,669
Provision for credit losses	6,842	5,167
Non-interest income	30,719	30,613
Non-interest expense	65,562	62,105
Income tax expense (benefit)	15,068	16,406
Income after income tax expense	30,889	32,604
Income attributable to non-controlling interest	2,308	2,235
Preferred stock dividends	0	0
Net income available to common stockholders	28,581	30,369
Total assets	10,834,463	10,031,265
Revenues from external customers:
Interest income	122,365	111,894
Non-interest income	30,719	30,613
Total	153,084	142,507
Operating segments | Enterprise Services
Segment Reporting Information
Net interest income	(5,845)	(13,354)
Provision for credit losses	0	0
Non-interest income	33	928
Non-interest expense	9,155	5,709
Income tax expense (benefit)	(7,735)	(6,434)
Income after income tax expense	(7,232)	(11,701)
Income attributable to non-controlling interest	0	0
Preferred stock dividends	4,847	4,847
Net income available to common stockholders	(12,079)	(16,548)
Total assets	2,339,424	2,390,399
Revenues from external customers:
Interest income	10,109	7,498
Non-interest income	33	928
Total	$ 10,142	$ 8,426

Accumulated Other Comprehensi69

Accumulated Other Comprehensive Income (Loss) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2017	Mar. 31, 2016	Dec. 31, 2014
Accumulated Other Comprehensive Income (Loss)
Total other comprehensive income (loss), before tax	$ 4,532	$ 19,549
Total other comprehensive income (loss), tax	(1,502)	(6,130)
Unrealized gains (losses) arising during the period, net of tax	2,848	13,256
Reclassification of net (gains) losses to net income, net of tax	182	163
Total other comprehensive income (loss), net of tax	3,030	13,419
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	14,500
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	4,162	19,135
Reclassification of net (gains) losses to net income, before tax	305	274
Total other comprehensive income (loss), before tax	4,467	19,409
Unrealized gains (losses) arising during the period, tax	(1,582)	(7,268)
Reclassification of net (gains) losses to net income, tax	(116)	(104)
Total other comprehensive income (loss), tax	(1,698)	(7,372)
Unrealized gains (losses) arising during the period, net of tax	2,580	11,867
Reclassification of net (gains) losses to net income, net of tax	189	170
Total other comprehensive income (loss), net of tax	2,769	12,037
Net unrealized gains (losses) on net investment hedges
Accumulated Other Comprehensive Income (Loss)
Unrealized gains (losses) arising during the period, before tax	(504)	(3,257)
Unrealized gains (losses) arising during the period, tax	191	1,237
Unrealized gains (losses) arising during the period, net of tax	(313)	(2,020)
Reclassification of net (gains) losses to net income, net of tax	0	0
Total other comprehensive income (loss), net of tax	(313)	(2,020)
Foreign currency translation adjustment
Accumulated Other Comprehensive Income (Loss)
Unrealized gains (losses) arising during the period, before tax	581	3,409
Unrealized gains (losses) arising during the period, tax	0	0
Unrealized gains (losses) arising during the period, net of tax	581	3,409
Reclassification of net (gains) losses to net income, net of tax	0	0
Total other comprehensive income (loss), net of tax	581	3,409
Recognized postretirement prior service cost:
Accumulated Other Comprehensive Income (Loss)
Reclassification of net (gains) losses to net income, before tax	(12)	(12)
Reclassification of net (gains) losses to net income, tax	5	5
Unrealized gains (losses) arising during the period, net of tax	0	0
Reclassification of net (gains) losses to net income, net of tax	(7)	(7)
Total other comprehensive income (loss), net of tax	$ (7)	$ (7)

Accumulated Other Comprehensi70

Accumulated Other Comprehensive Income (Loss) (Details 2) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2017	Mar. 31, 2016
Changes in accumulated other comprehensive income by component
Comprehensive income at the beginning of the period	$ (33,725)	$ (15,346)
Other comprehensive income (loss)	2,848	13,256
Amounts reclassified from accumulated other comprehensive income (loss)	182	163
Total other comprehensive income (loss), net of tax	3,030	13,419
Comprehensive income at the end of the period	(30,695)	(1,927)
Securities Available for Sale and Interest-Only Strips
Changes in accumulated other comprehensive income by component
Comprehensive income at the beginning of the period	(28,601)	(9,707)
Other comprehensive income (loss)	2,580	11,867
Amounts reclassified from accumulated other comprehensive income (loss)	189	170
Total other comprehensive income (loss), net of tax	2,769	12,037
Comprehensive income at the end of the period	(25,832)	2,330
Net Investment Hedges
Changes in accumulated other comprehensive income by component
Comprehensive income at the beginning of the period	6,493	7,249
Other comprehensive income (loss)	(313)	(2,020)
Amounts reclassified from accumulated other comprehensive income (loss)	0	0
Total other comprehensive income (loss), net of tax	(313)	(2,020)
Comprehensive income at the end of the period	6,180	5,229
Foreign Currency Translation Adjustment
Changes in accumulated other comprehensive income by component
Comprehensive income at the beginning of the period	(11,764)	(13,064)
Other comprehensive income (loss)	581	3,409
Amounts reclassified from accumulated other comprehensive income (loss)	0	0
Total other comprehensive income (loss), net of tax	581	3,409
Comprehensive income at the end of the period	(11,183)	(9,655)
Recognized Postretirement Prior Service Cost
Changes in accumulated other comprehensive income by component
Comprehensive income at the beginning of the period	147	176
Other comprehensive income (loss)	0	0
Amounts reclassified from accumulated other comprehensive income (loss)	(7)	(7)
Total other comprehensive income (loss), net of tax	(7)	(7)
Comprehensive income at the end of the period	$ 140	$ 169