TCF Financial 10-Q 3 May 19 2019 Q1 Quarterly report Financial data

Document and Entity Information

Document and Entity Information - shares	3 Months Ended
	Mar. 31, 2019	Apr. 25, 2019
Document and Entity Information
Entity Registrant Name	TCF Financial Corporation
Entity Central Index Key	0000814184
Current Fiscal Year End Date	--12-31
Entity Filer Category	Large Accelerated Filer
Entity Emerging Growth Company	false
Entity Small Business	false
Entity Shell Company	false
Document Type	10-Q
Document Period End Date	Mar. 31, 2019
Document Fiscal Year Focus	2019
Document Fiscal Period Focus	Q1
Amendment Flag	false
Entity Common Stock, Shares Outstanding		164,187,744

Consolidated Statements of Fina

Consolidated Statements of Financial Condition - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018
Assets:
Cash and due from banks	$ 463,822	$ 587,057
Investments	103,644	91,654
Debt securities held to maturity	148,024	148,852
Debt securities available for sale	2,945,342	2,470,065
Loans and leases held for sale	64,468	90,664
Consumer real estate:
First mortgage lien	2,480,750	2,444,380
Junior lien	2,872,807	2,965,960
Total consumer real estate	5,353,557	5,410,340
Commercial	3,884,106	3,851,303
Leasing and equipment finance	4,674,309	4,699,740
Inventory finance	3,749,146	3,107,356
Auto finance	1,704,614	1,982,277
Other	17,943	21,295
Total loans and leases	19,383,675	19,072,311
Allowance for loan and lease losses	(147,972)	(157,446)
Net loans and leases	19,235,703	18,914,865
Premises and equipment, net	429,711	427,534
Goodwill, net	154,757	154,757
Other assets	873,244	814,164
Total assets	24,418,715	23,699,612
Deposits:
Checking	6,621,261	6,381,327
Savings	6,442,544	6,122,257
Money market	1,468,308	1,609,422
Certificates of deposit	4,491,998	4,790,680
Total deposits	19,024,111	18,903,686
Short-term borrowings	355,992	0
Long-term borrowings	1,411,426	1,449,472
Total borrowings	1,767,418	1,449,472
Accrued expenses and other liabilities	981,341	790,194
Total liabilities	21,772,870	21,143,352
Equity:
Preferred stock, par value $0.01 per share, 30,000,000 shares authorized; 7,000 shares issued	169,302	169,302
Common stock, par value $0.01 per share, 280,000,000 shares authorized; 173,318,320 and 173,584,846 shares issued	1,733	1,736
Additional paid-in capital	875,797	885,089
Retained earnings, subject to certain restrictions	1,810,701	1,766,994
Accumulated other comprehensive income (loss)	5,481	(33,138)
Treasury stock at cost, 9,367,165 and 9,661,619 shares and other	(246,621)	(252,182)
Total TCF Financial Corporation stockholders' equity	2,616,393	2,537,801
Non-controlling interest in subsidiaries	29,452	18,459
Total equity	2,645,845	2,556,260
Total liabilities and equity	$ 24,418,715	$ 23,699,612

Consolidated Statements of Fi_2

Consolidated Statements of Financial Condition (Parenthetical) - $ / shares	Mar. 31, 2019	Dec. 31, 2018
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)	7,000	7,000
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)	173,318,320	173,584,846
Treasury stock, shares (shares)	9,367,165	9,661,619

Consolidated Statements of Inco

Consolidated Statements of Income - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Interest income:
Loans and leases	$ 279,594	$ 260,375
Debt securities available for sale	18,815	10,123
Debt securities held to maturity	535	1,019
Loans held for sale and other	4,301	3,745
Total interest income	303,245	275,262
Interest expense:
Deposits	37,480	22,510
Borrowings	14,858	9,553
Total interest expense	52,338	32,063
Net interest income	250,907	243,199
Provision for credit losses	10,122	11,368
Net interest income after provision for credit losses	240,785	231,831
Non-interest income:
Leasing and equipment finance	41,139	41,847
Gains on sales of loans, net	7,972	9,123
Gains (losses) on debt securities, net	451	63
Other	2,347	3,716
Total non-interest income	107,026	112,204
Non-interest expense:
Compensation and employee benefits	121,557	123,840
Occupancy and equipment	41,737	40,514
Lease financing equipment depreciation	19,256	17,274
Foreclosed real estate and repossessed assets, net	4,630	4,916
Merger-related expenses	9,458	0
Other	56,437	59,436
Total non-interest expense	253,075	245,980
Income before income tax expense	94,736	98,055
Income tax expense	21,287	21,631
Income after income tax expense	73,449	76,424
Income attributable to non-controlling interest	2,955	2,663
Net income attributable to TCF Financial Corporation	70,494	73,761
Preferred stock dividends	2,493	4,106
Impact of preferred stock redemption	0	3,481
Net income available to common stockholders	$ 68,001	$ 66,174
Earnings per common share:
Basic (in dollars per share)	$ 0.42	$ 0.39
Diluted (in dollars per share)	$ 0.42	$ 0.39
Weighted Average Number of Shares Outstanding Reconciliation [Abstract]
Basic (in shares)	161,865,270	168,507,448
Diluted (in shares)	162,427,823	169,997,146
Fees and service charges
Non-interest income:
Fee revenue	$ 31,324	$ 30,751
Card revenue
Non-interest income:
Fee revenue	14,243	13,759
ATM revenue
Non-interest income:
Fee revenue	4,440	4,650
Servicing fee income
Non-interest income:
Fee revenue	$ 5,110	$ 8,295

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Statement of Comprehensive Income [Abstract]
Net income attributable to TCF Financial Corporation	$ 70,494	$ 73,761
Other comprehensive income (loss), net of tax:
Net unrealized gains (losses) on debt securities available for sale and interest-only strips	37,368	(27,819)
Net unrealized gains (losses) on net investment hedges	(2,308)	1,604
Foreign currency translation adjustment	3,567	(2,110)
Recognized postretirement prior service cost	(8)	(9)
Total other comprehensive income (loss), net of tax	38,619	(28,334)
Comprehensive income	$ 109,113	$ 45,427

Consolidated Statements of Equi

Consolidated Statements of Equity - USD ($) $ in Thousands	Total	Series B Preferred Stock	Series C Preferred Stock	TCF Financial Corporation	TCF Financial CorporationSeries B Preferred Stock	TCF Financial CorporationSeries C Preferred Stock	Preferred Stock	Preferred StockSeries B Preferred Stock	Preferred StockSeries C Preferred Stock	Common Stock	Common StockSeries B Preferred Stock	Common StockSeries C Preferred Stock	Additional Paid-in Capital	Additional Paid-in CapitalSeries B Preferred Stock	Additional Paid-in CapitalSeries C Preferred Stock	Retained Earnings	Retained EarningsSeries B Preferred Stock	Retained EarningsSeries C Preferred Stock	Accumulated Other Comprehensive Income (Loss)	Accumulated Other Comprehensive Income (Loss)Series B Preferred Stock	Accumulated Other Comprehensive Income (Loss)Series C Preferred Stock	Treasury Stock and Other	Treasury Stock and OtherSeries B Preferred Stock	Treasury Stock and OtherSeries C Preferred Stock	Non-controlling Interest	Non-controlling InterestSeries B Preferred Stock	Non-controlling InterestSeries C Preferred Stock
Increase (Decrease) in Equity
Change in accounting principle | Accounting Standards Update 2017-12	$ (116)			$ (116)			$ 0			$ 0			$ 0			$ (116)			$ 0			$ 0			$ 0
Adjusted balance after cumulative adjustment related to change in accounting principle	2,680,468			2,662,641			$ 265,821			$ 1,722			877,217			1,577,195			(18,517)			(40,797)			17,827
Balance (in shares) at Dec. 31, 2017							4,007,000			172,158,449
Balance at Dec. 31, 2017	2,680,584			2,662,757			$ 265,821			$ 1,722			877,217			1,577,311			(18,517)			(40,797)			17,827
Increase (Decrease) in Equity
Net income	76,424			73,761			0			0			0			73,761			0			0			2,663
Other comprehensive income (loss), net of tax	(28,334)			(28,334)			0			0			0			0			(28,334)			0			0
Net investment by (distribution to) non-controlling interest	7,947			0			0			0			0			0			0			0			7,947
Redemption of Series B Preferred Stock (in shares)								(4,000,000)			0
Redemption of Series B Preferred Stock		$ (100,000)			$ (100,000)			$ (96,519)			$ 0			$ 0			$ (3,481)			$ 0			$ 0			$ 0
Repurchases of shares of common stock	(57,673)			(57,673)			0			0			0			0			0			(57,673)			0
Dividends on Preferred Stock		$ (1,613)	$ (2,493)		$ (1,613)	$ (2,493)		$ 0	$ 0		$ 0	$ 0		$ 0	$ 0		$ (1,613)	$ (2,493)		$ 0	$ 0		$ 0	$ 0		$ 0	$ 0
Dividends on common stock	(25,328)			(25,328)			$ 0			$ 0			0			(25,328)			0			0			0
Common stock warrants exercised (in shares)							0			1,196
Common stock warrants exercised	0			0			$ 0			$ 0			0			0			0			0			0
Common shares purchased by TCF employee benefit plans (in shares)							0			34,627
Common shares purchased by TCF employee benefit plans	715			715			$ 0			$ 0			715			0			0			0			0
Stock compensation plans, net of tax (in shares)							0			277,763
Stock compensation plans, net of tax	837			837			$ 0			$ 3			834			0			0			0			0
Change in shares held in trust for deferred compensation plans, at cost	0			0			$ 0			$ 0			(670)			0			0			670			0
Balance (in shares) at Mar. 31, 2018							7,000			172,472,035
Balance at Mar. 31, 2018	2,550,950			2,522,513			$ 169,302			$ 1,725			878,096			1,618,041			(46,851)			(97,800)			28,437
Balance (in shares) at Dec. 31, 2018							7,000			173,584,846
Balance at Dec. 31, 2018	2,556,260			2,537,801			$ 169,302			$ 1,736			885,089			1,766,994			(33,138)			(252,182)			18,459
Increase (Decrease) in Equity
Net income	73,449			70,494			0			0			0			70,494			0			0			2,955
Other comprehensive income (loss), net of tax	38,619			38,619			0			0			0			0			38,619			0			0
Net investment by (distribution to) non-controlling interest	8,038			0			0			0			0			0			0			0			8,038
Dividends on Preferred Stock			$ (2,493)			$ (2,493)			$ 0			$ 0			$ 0			$ (2,493)			$ 0			$ 0			$ 0
Dividends on common stock	(24,294)			(24,294)			$ 0			$ 0			0			(24,294)			0			0			0
Stock compensation plans, net of tax (in shares)							0			(266,526)
Stock compensation plans, net of tax	(3,734)			(3,734)			$ 0			$ (3)			(10,522)			0			0			6,791			0
Change in shares held in trust for deferred compensation plans, at cost	0			0			$ 0			$ 0			1,230			0			0			(1,230)			0
Balance (in shares) at Mar. 31, 2019							7,000			173,318,320
Balance at Mar. 31, 2019	$ 2,645,845			$ 2,616,393			$ 169,302			$ 1,733			$ 875,797			$ 1,810,701			$ 5,481			$ (246,621)			$ 29,452

Consolidated Statements of Eq_2

Consolidated Statements of Equity (Parenthetical) - $ / shares	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Stock Transactions, Parenthetical Disclosures [Abstract]
Dividends on common stock, per common share	$ 0.15	$ 0.15
Repurchases of shares of common stock (in shares)	0	2,567,171
Series B Preferred Stock
Stock Transactions, Parenthetical Disclosures [Abstract]
Dividends on preferred stock		6.45%
Series C Preferred Stock
Stock Transactions, Parenthetical Disclosures [Abstract]
Dividends on preferred stock	5.70%	5.70%

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Cash flows from operating activities:
Net income	$ 73,449	$ 76,424
Adjustments to reconcile net income to net cash provided by (used in) operating activities:
Provision for credit losses	10,122	11,368
Depreciation and amortization	56,508	56,606
Provision for deferred income taxes	(1,011)	879
Proceeds from sales of loans and leases held for sale	80,877	69,342
Originations of loans and leases held for sale, net of repayments	(72,125)	(73,872)
Gains on sales of assets, net	(14,918)	(10,556)
Net change in other assets and accrued expenses and other liabilities	15,095	(1,965)
Other, net	(11,089)	(11,313)
Net cash provided by (used in) operating activities	136,908	116,913
Cash flows from investing activities:
Proceeds from sales of debt securities	205,862	0
Proceeds from maturities of and principal collected on debt securities	52,894	32,533
Purchases of debt securities	(597,875)	(320,722)
Redemption of Federal Home Loan Bank stock	26,000	56,000
Purchases of Federal Home Loan Bank stock	(38,000)	(65,000)
Proceeds from sales of loans and leases	194,109	240,934
Loan and lease originations and purchases, net of principal collected on loans and leases	(521,907)	(468,326)
Proceeds from sales of assets	19,644	11,873
Purchases of premises and equipment and lease equipment	(41,121)	(38,541)
Other, net	2,937	7,451
Net cash provided by (used in) investing activities	(697,457)	(543,798)
Cash flows from financing activities:
Net change in deposits	141,885	357,224
Net change in short-term borrowings	355,947	841
Proceeds from long-term borrowings	621,328	2,355,602
Payments on long-term borrowings	(662,097)	(2,143,531)
Payments on liabilities related to acquisition and portfolio purchase	1,000	0
Redemption of Series B preferred stock	0	(100,000)
Repurchases of common stock	0	(54,371)
Common shares sold to TCF employee benefit plans	0	715
Dividends paid on preferred stock	(2,493)	(4,106)
Dividends paid on common stock	(24,294)	(25,328)
Exercise of stock options	0	(997)
Net investment by (distribution to) non-controlling interest	8,038	7,947
Net cash provided by (used in) financing activities	437,314	393,996
Net change in cash and due from banks	(123,235)	(32,889)
Cash and due from banks at beginning of period	587,057	621,782
Cash and due from banks at end of period	463,822	588,893
Supplemental disclosures of cash flow information:
Cash paid (received) for interest on deposits and borrowings	48,276	29,857
Cash paid (received) for income taxes, net	(140)	(28,064)
Transfer of loans and leases to other assets	27,280	26,044
Transfer of loans and leases from held for investment to held for sale, net	170,537	150,357
Operating lease right-of-use assets arising from obtaining operating lease liabilities	$ 92,259	$ 0

Basis of Presentation

Basis of Presentation	3 Months Ended
	Mar. 31, 2019
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. Its principal subsidiary, TCF National Bank ("TCF Bank"), is headquartered in Sioux Falls, South Dakota. TCF Bank operates bank branches in Illinois, Minnesota, Michigan, Colorado, Wisconsin, Arizona and South Dakota (TCF's "primary banking markets"). Through its direct subsidiaries, TCF Bank provides a full range of consumer-facing and commercial services, including consumer banking services, commercial banking services, commercial leasing and equipment financing, and commercial inventory financing. The accompanying unaudited consolidated financial statements have been prepared in conformity with U.S. generally accepted accounting principles ("GAAP") for interim financial information and in accordance with the instructions to Quarterly Report on Form 10-Q and Article 10 of Regulation S-X as promulgated by the Securities and Exchange Commission ("SEC"). Accordingly, the consolidated financial statements do not include all of the information and notes necessary for complete financial statements in conformity with GAAP. 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. 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 and for the year ended December 31, 2018 .

Pending Merger with Chemical Fi

Pending Merger with Chemical Financial Corporation	3 Months Ended
	Mar. 31, 2019
Business Combinations [Abstract]
Pending Merger with Chemical Financial Corporation	Proposed Merger with Chemical Financial Corporation On January 27, 2019, TCF entered into an Agreement and Plan of Merger (the "Merger Agreement") with Chemical Financial Corporation ("Chemical"), a bank holding company headquartered in Detroit, Michigan, with $21.8 billion in assets at March 31, 2019 . The merger is expected to close in the late third or early fourth quarter of 2019, subject to satisfaction of customary closing conditions, including regulatory approvals and approval by the shareholders of TCF and Chemical. Under the terms of the Merger Agreement, which has been unanimously approved by the boards of directors of both companies, each outstanding share of TCF common stock will be converted into the right to receive, without interest, 0.5081 shares of Chemical common stock. Also, at the effective time of the merger, each outstanding share of the 5.70% Series C non-cumulative perpetual preferred stock of TCF will be converted into the right to receive, without interest, one share of a newly created series of preferred stock of Chemical with equivalent rights and preferences (the "New Chemical Preferred Stock"). The shares of Chemical common stock and the New Chemical Preferred Stock to be issued in the merger will be listed on the Nasdaq. Following the completion of the merger, TCF and Chemical shareholders will own approximately 54% and 46%

Summary of Significant Accounti

Summary of Significant Accounting Policies	3 Months Ended
	Mar. 31, 2019
Accounting Policies [Abstract]
Summary of Significant Accounting Policies	Summary of Significant Accounting Policies Accounting policies in effect at December 31, 2018 remain significantly unchanged and have been followed similarly as in previous periods except for the lease financing accounting policy. These accounting policy changes are the result of the adoption of Accounting Standards Update ("ASU") No. 2016-02, Leases (Topic 842) and related ASUs. Leases TCF enters into lease contracts as both a lessor and a lessee. A contract, or part of a contract, is considered a lease if it conveys the right to obtain substantially all of the economic benefits from, and the right to direct and use, an identified asset for a period of time in exchange for consideration. The determination of lease classification requires various judgments and estimates by management which may include the fair value of the equipment at lease inception, useful life of the equipment under lease, estimate of the lease residual value and collectability of minimum lease payments. Management has policies and procedures in place for the determination of lease classification and review of the related judgments and estimates for all leases. As a lessor, TCF provides various types of lease financing that are classified for accounting purposes as direct financing, sales-type or operating leases. Leases that transfer substantially all of the benefits and risks of ownership to the lessee are classified as direct financing or sales-type leases and are recorded in loans and leases. Direct financing and sales-type leases are carried at the combined present value of future minimum lease payments and lease residual values. Interest income on net investment in direct financing and sales-type leases is recognized using methods that approximate a level yield over the fixed, non-cancelable term of the lease, including pro rata rent payments received for the interim period until the lease contract commences and the fixed, non-cancelable lease term begins. Sales-type leases generate selling profit (loss), which is recognized on the commencement date by recording lease revenue net of lease cost. Lease revenue consists of the present value of the future minimum lease payments and lease cost consists of the leased equipment's net book value, less the present value of its residual. Some lease financing contracts include a residual value component, which represents the estimated fair value of the leased equipment at the expiration of the initial term of the transaction. The estimation of residual values involves judgment regarding product and technology changes, customer behavior, shifts in supply and demand and other economic assumptions. TCF reviews residual assumptions when assessing potential impairment of the net investment in direct financing and sales-type leases each quarter. Decreases in the expected residual value are reflected through an increase in the provision for credit losses, which results in an increase to the allowance for loan and lease losses. TCF may sell minimum lease payment receivables, primarily as a credit risk reduction tool, to third-party financial institutions at fixed rates, on a non-recourse basis, with its underlying equipment as collateral. For those transactions that qualify for sale accounting, the related lease cash flow stream and the non-recourse financing are derecognized. For those transactions that do not qualify for sale accounting, the underlying lease remains on TCF's Consolidated Statements of Financial Condition and non-recourse debt is recorded in the amount of the proceeds received. TCF retains servicing of these leases and bills, collects and remits funds to the third-party financial institution. Upon default by the lessee, the third-party financial institutions may take control of the underlying collateral which TCF would otherwise retain as residual value. Leases that do not transfer substantially all benefits and risks of ownership to the lessee are classified as operating leases. Such leased equipment and related initial direct costs are included in other assets and depreciated to their estimated salvage value on a straight-line basis over the term of the lease. Lease financing equipment depreciation is recorded in non-interest expense. Operating lease payments received are recognized as lease income when due and recorded as a component of leasing and equipment finance non-interest income. An allowance for lease losses is not provided on operating leases. See Note 6 . Loans and Leases for further information. As a lessee, TCF enters into contracts to lease real estate, information technology equipment and various other types of equipment. Leases that transfer substantially all of the benefits and risks of ownership to TCF are classified as finance leases, while all others are classified as operating leases. At lease commencement, a lease liability and right-of-use asset are calculated and recognized for both types of leases. The lease liability is equal to the present value of future minimum lease payments. The right-of-use asset is equal to the lease liability, plus any initial direct costs and prepaid lease payments, less any lease incentives received. Operating lease right-of-use assets are recorded in other assets and finance lease right-of-use assets are recorded in premises and equipment, net. The Company uses the appropriate term Federal Home Loan Bank ("FHLB") rate to determine the discount rate for the present value calculation of future minimum payments when an implicit rate is not known for a given lease. The lease term used in the calculation includes any options to extend that TCF is reasonably certain to exercise. Subsequent to lease commencement, lease liabilities recorded for finance leases are measured using the effective interest rate method and the related right-of-use assets are amortized on a straight-line basis over the lease term. Interest expense and amortization expense are recorded separately in the income statement in interest expense on borrowings and occupancy and equipment non-interest expense, respectively. For operating leases, total lease cost is comprised of lease expense, short-term lease cost, variable lease cost and sublease income. Lease expense includes future minimum lease payments, which are recognized on a straight-line basis over the lease term, as well as common area maintenance charges, real estate taxes, insurance and other expenses, where applicable, which are expensed as incurred. Total lease cost for operating leases is recorded in occupancy and equipment non-interest expense. See Note 8 . Operating Lease Right-of-Use Assets and Liabilities for further information. Recently Adopted Accounting Pronouncements Effective January 1, 2019, the Company adopted ASU No. 2018-16, Derivatives and Hedging (Topic 815): Inclusion of the Secured Overnight Financing Rate (SOFR) Overnight Index Swap (OIS) Rate as a Benchmark Interest Rate for Hedge Accounting Purposes , which permits the use of the OIS Rate based on SOFR as a U.S. benchmark interest rate for hedge accounting purposes under Topic 815 in addition to the interest rates on direct Treasury obligations of the U.S. government, the London Interbank Offered Rate ("LIBOR") swap rate, the OIS Rate based on the Fed Funds Effective Rate and the Securities Industry and Financial Markets Association Municipal Swap Rate. The adoption of this ASU was on a prospective basis for qualifying new or redesignated hedging relationships entered into on or after January 1, 2019. The adoption of this guidance did not have a material impact on our consolidated financial statements. Effective January 1, 2019, the Company adopted ASU No. 2018-15, Intangibles - Goodwill and Other - Internal-Use Software (Subtopic 350-40): Customer's Accounting for Implementation Costs Incurred in a Cloud Computing Arrangement That Is a Service Contract (a consensus of the FASB Emerging Issues Task Force) , which requires the decision to capitalize or expense implementation costs incurred in a cloud computing arrangement (i.e. a hosting arrangement) that is a service contract to follow the internal-use software guidance in Accounting Standards Codification ("ASC") 350-40. TCF's policy had been to expense these costs as incurred. The adoption of this ASU was on a prospective basis. The adoption of this guidance did not have a material impact on our consolidated financial statements. Effective January 1, 2019, the Company adopted ASU No. 2018-07, Compensation - Stock Compensation (Topic 718): Improvements to Nonemployee Share-Based Payment Accounting , which simplifies the accounting for share-based payments to nonemployees by aligning it more consistently with the accounting for share-based payments to employees. The new guidance in ASC 718 supersedes the guidance in ASC 505-50. The adoption of this ASU was on a modified retrospective basis with no cumulative effect adjustment recorded. The adoption of this guidance did not have a material impact on our consolidated financial statements. Effective January 1, 2019, the Company adopted ASU No. 2017-11, Earnings Per Share (Topic 260): Distinguishing Liabilities from Equity (Topic 480); Derivatives and Hedging (Topic 815): (Part I) Accounting for Certain Financial Instruments with Down Round Features , which simplifies the accounting for certain equity-linked financial instruments and embedded features with the down round features that reduce the exercise price when the pricing of a future round of financing is lower. The adoption of this ASU was on a modified retrospective basis. The adoption of this guidance did not have a material impact on our consolidated financial statements. Effective January 1, 2019, the Company adopted ASU No. 2016-02, Leases (Topic 842) , which, along with other amendments, requires lessees to recognize most leases on their balance sheet. Lessor accounting is largely unchanged. The ASU requires both quantitative and qualitative disclosure regarding key information about leasing arrangements from both lessees and lessors. Effective January 1, 2019, the Company also adopted the following ASUs, which further amend the original lease guidance in Topic 842: (i) ASU No. 2017-13, Revenue Recognition (Topic 605), Revenue from Contracts with Customers (Topic 606), Leases (Topic 840) and Leases (Topic 842): Amendments to SEC Paragraphs , which rescinds certain SEC Observer comments and staff announcements from the lease guidance and incorporates SEC staff announcements on the effect of a change in tax law on leveraged leases from ASC 840 into ASC 842; (ii) ASU No. 2018-01, Leases (Topic 842): Land Easement Practical Expedient for Transition to Topic 842 , which amends the new lease guidance to add an optional transition practical expedient that permits an entity to continue applying its current accounting policy for land easements that existed or expired before January 1, 2019; (iii) ASU No. 2018-10, Codification Improvements to Topic 842, Leases , which makes narrow scope improvements to the standard for specific issues; (iv) ASU No. 2018-11, Leases (Topic 842): Targeted Improvements , which provides an optional transition method allowing the standard to be applied at the adoption date and provides a practical expedient related to separating components of a contract for lessors; (v) ASU No. 2018-20, Leases (Topic 842): Narrow-Scope Improvements for Lessors , which allows lessors to elect to account for all sales taxes as lessee costs, instead of determining whether they are lessee or lessor costs in each individual jurisdiction. It requires lessor costs paid by lessees directly to third parties to be excluded from revenue, requires lessors to account for costs excluded from the consideration of a contract that are paid by the lessor as revenue and requires certain variable payments to be allocated (rather than recognized) to lease and nonlease components when changes occur in the facts and circumstances on which the variable payments are based; and (vi) ASU No. 2019-01, Leases (Topic 842): Codification Improvements , which allows lessors that are not manufacturers or dealers to calculate the fair value of an underlying asset as its cost less any volume or trade discount, requires lessors to classify principal payments received from direct financing and sales-type leases as investing activities in the statement of cash flows and clarifies that certain disclosure requirements that were explicitly excluded from annual reporting during the year of adoption are also excluded from interim reporting during the same year. These ASUs were adopted on a modified retrospective basis. Management elected the practical expedients and optional transition method, which allow for leases entered into prior to January 1, 2019 to be accounted for consistent with prior guidance. Management evaluated TCF's leasing contracts and activities, and developed methodologies and processes to estimate and account for the right-of-use assets and lease liabilities based on the present value of future lease payments. On January 1, 2019, the Company recorded right-of-use assets and lease liabilities totaling $91.9 million and $112.8 million , respectively. The impact to capital ratios as a result of increased risk-weighted assets is immaterial. The adoption of this guidance did not result in a material change to lessee expense recognition. The changes to lessor accounting, as well as changes in customer behavior driven by the adoption of these ASUs, impacts the results of TCF's leasing and equipment financing businesses, including earlier recognition of expense due to a narrower definition of initial direct costs and the timing of revenue recognition for certain leases, resulting in more revenue being deferred over the lease term. Recently Issued Accounting Pronouncements In November 2018, the Financial Accounting Standards Board (the "FASB") issued ASU No. 2018-18, Collaborative Arrangements (Topic 808): Clarifying the Interaction between Topic 808 and Topic 606 , which makes targeted improvements to the accounting for collaborative arrangements in response to questions raised as a result of the issuance of ASU 2014-09, Revenue from Contracts with Customers (Topic 606) . The adoption of this ASU will be required beginning with TCF's Quarterly Report on Form 10-Q for the quarter ending March 31, 2020. Early adoption is allowed. The adoption of this guidance will not have a material impact on our consolidated financial statements. In October 2018, the FASB issued ASU No. 2018-17, Consolidation (Topic 810): Targeted Improvements to Related Party Guidance for Variable Interest Entities , which provides an elective exemption to private companies from applying variable interest entities ("VIE") guidance to all entities under common control if certain criteria are met. In addition, this ASU contains an amendment applicable to all entities which amends how a decision maker or service provider determines whether its fee is a variable interest in a VIE when a related party under common control also has an interest in the VIE. The adoption of this ASU will be required beginning with TCF's Quarterly Report on Form 10-Q for the quarter ending March 31, 2020. Early adoption is allowed. The adoption of this guidance will not have a material impact on our consolidated financial statements. In August 2018, the FASB issued ASU No. 2018-13, Fair Value Measurement (Topic 820): Disclosure Framework - Changes to the Disclosure Requirements for Fair Value Measurement , which eliminates, adds and modifies certain disclosure requirements for fair value measurements. The adoption of this ASU will be required beginning with TCF's Quarterly Report on Form 10-Q for the quarter ending March 31, 2020. Certain of the amendments require prospective application, while the remainder require retrospective application. Early adoption is allowed either for the entire standard or only the provisions that eliminate or modify the requirements. Management is currently evaluating the potential impact of this guidance on our consolidated financial statements. In June 2016, the FASB issued ASU No. 2016-13, Financial Instruments - Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments , which changes the impairment model for most financial assets, including trade and other receivables, held to maturity debt securities, loans, net investments in leases and purchased financial assets with credit deterioration. The ASU requires the use of a current expected credit loss ("CECL") approach to determine the allowance for credit losses for loans and held to maturity debt securities. CECL requires loss estimates for the remaining estimated life of the asset using historical loss data as well as reasonable and supportable forecasts based on current economic conditions. In November 2018, the FASB issued ASU No. 2018-19, Codification Improvements to Topic 326, Financial Instruments - Credit Losses , which clarifies that receivables arising from operating leases are not within the scope of Subtopic 326-20 and should be accounted for in accordance with Topic 842. In April 2019, the FASB issued ASU No. 2019-04, Codification Improvements to Topic 326, Financial Instruments - Credit Losses, Topic 815, Derivatives and Hedging, and Topic 825, Financial Instruments

Cash and Due from Banks

Cash and Due from Banks	3 Months Ended
	Mar. 31, 2019
Cash and Cash Equivalents [Abstract]
Cash and Due from Banks	Cash and Due from Banks At March 31, 2019 and December 31, 2018 , TCF Bank was required by Federal Reserve regulations to maintain reserves of $117.4 million and $106.2 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 obligations. 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 $34.1 million and $38.3 million at March 31, 2019 and December 31, 2018 , respectively. TCF had cash held in interest-bearing accounts of $180.2 million and $307.8 million at March 31, 2019 and December 31, 2018

Debt Securities Available for S

Debt Securities Available for Sale and Debt Securities Held to Maturity	3 Months Ended
	Mar. 31, 2019
Investments, Debt and Equity Securities [Abstract]
Debt Securities Available for Sale and Debt Securities Held to Maturity	Debt Securities Available for Sale and Debt Securities Held to Maturity Debt securities were as follows: At March 31, 2019 At December 31, 2018 (In thousands) Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value Debt securities available for sale: Mortgage-backed securities: U.S. Government sponsored enterprises and federal agencies $ 2,566,426 $ 31,187 $ 13,102 $ 2,584,511 $ 1,930,696 $ 9,222 $ 26,728 $ 1,913,190 Other 4 — — 4 4 — — 4 Obligations of states and political subdivisions 358,118 3,330 621 360,827 566,304 46 9,479 556,871 Total debt securities available for sale $ 2,924,548 $ 34,517 $ 13,723 $ 2,945,342 $ 2,497,004 $ 9,268 $ 36,207 $ 2,470,065 Debt securities held to maturity: Mortgage-backed securities: U.S. Government sponsored enterprises and federal agencies $ 144,403 $ 3,755 $ 548 $ 147,610 $ 146,052 $ 1,460 $ 1,045 $ 146,467 Other securities 3,621 — — 3,621 2,800 — — 2,800 Total debt securities held to maturity $ 148,024 $ 3,755 $ 548 $ 151,231 $ 148,852 $ 1,460 $ 1,045 $ 149,267 At March 31, 2019 and December 31, 2018 , mortgage-backed debt securities with a carrying value of $1.5 million and $1.6 million , respectively, were pledged as collateral to secure certain deposits and borrowings. We have assessed each debt security with unrealized losses included in the table above for credit impairment. As part of that assessment we evaluated and concluded that it is more likely than not that we will not be required to and do not intend to sell any of the debt securities prior to recovery of the amortized cost. Unrealized losses on debt securities available for sale and debt securities held to maturity were primarily due to changes in interest rates. Net gains (losses) on debt securities were $451 thousand and $63 thousand for the first quarter of 2019 and 2018 , respectively. During the first quarter of 2019 , TCF sold $205.4 million of debt securities available for sale and recognized a net gain of $447 thousand . There were no sales of debt securities available for sale during the first quarter of 2018 . There were no impairment charges on debt securities available for sale and debt securities held to maturity during the first quarter of 2019 and 2018 . The net gains (losses) on debt securities for both periods include recoveries on previously impaired debt securities held to maturity. Gross unrealized losses and fair value of debt securities available for sale and debt 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, 2019 Less than 12 months 12 months or more Total (In thousands) Fair Value Unrealized Losses Fair Value Unrealized Losses Fair Value Unrealized Losses Debt securities available for sale: Mortgage-backed securities: U.S. Government sponsored enterprises and federal agencies $ 4,943 $ 4 $ 748,535 $ 13,098 $ 753,478 $ 13,102 Obligations of states and political subdivisions — — 77,036 621 77,036 621 Total debt securities available for sale $ 4,943 $ 4 $ 825,571 $ 13,719 $ 830,514 $ 13,723 Debt securities held to maturity: Mortgage-backed securities: U.S. Government sponsored enterprises and federal agencies $ 107 $ 3 $ 26,871 $ 545 $ 26,978 $ 548 Total debt securities held to maturity $ 107 $ 3 $ 26,871 $ 545 $ 26,978 $ 548 At December 31, 2018 Less than 12 months 12 months or more Total (In thousands) Fair Value Unrealized Losses Fair Value Unrealized Losses Fair Value Unrealized Losses Debt securities available for sale: Mortgage-backed securities: U.S. Government sponsored enterprises and federal agencies $ 102,709 $ 184 $ 838,482 $ 26,544 $ 941,191 $ 26,728 Obligations of states and political subdivisions 3,620 — 526,817 9,479 530,437 9,479 Total debt securities available for sale $ 106,329 $ 184 $ 1,365,299 $ 36,023 $ 1,471,628 $ 36,207 Debt securities held to maturity: Mortgage-backed securities: U.S. Government sponsored enterprises and federal agencies $ 3,074 $ 14 $ 31,738 $ 1,031 $ 34,812 $ 1,045 Total debt securities held to maturity $ 3,074 $ 14 $ 31,738 $ 1,031 $ 34,812 $ 1,045 The amortized cost and fair value of debt securities available for sale and debt securities held to maturity by final contractual maturity were as follows. The final contractual maturities do not consider possible prepayments and therefore expected maturities may differ because borrowers may have the right to prepay. At March 31, 2019 At December 31, 2018 (In thousands) Amortized Cost Fair Value Amortized Cost Fair Value Debt securities available for sale: Due in 1-5 years $ 21,220 $ 21,241 $ 24,464 $ 24,375 Due in 5-10 years 367,273 369,916 509,832 503,768 Due after 10 years 2,536,055 2,554,185 1,962,708 1,941,922 Total debt securities available for sale $ 2,924,548 $ 2,945,342 $ 2,497,004 $ 2,470,065 Debt securities held to maturity: Due in 1-5 years $ 3,150 $ 3,150 $ 2,400 $ 2,400 Due in 5-10 years 428 431 430 432 Due after 10 years 144,446 147,650 146,022 146,435 Total debt securities held to maturity $ 148,024 $ 151,231 $ 148,852 $ 149,267 Interest income attributable to debt securities available for sale was as follows: Quarter Ended March 31, (In thousands) 2019 2018 Taxable interest income $ 16,131 $ 5,813 Tax-exempt interest income 2,684 4,310 Total interest income $ 18,815 $ 10,123

Loans and Leases

Loans and Leases	3 Months Ended
	Mar. 31, 2019
Receivables [Abstract]
Loans and Leases	Loans and Leases Loans and leases were as follows: (In thousands) At March 31, 2019 At December 31, 2018 Consumer real estate: First mortgage lien $ 2,480,750 $ 2,444,380 Junior lien 2,872,807 2,965,960 Total consumer real estate 5,353,557 5,410,340 Commercial: Commercial real estate: Permanent 2,564,187 2,510,583 Construction and development 401,455 397,564 Total commercial real estate 2,965,642 2,908,147 Commercial business 918,464 943,156 Total commercial 3,884,106 3,851,303 Leasing and equipment finance 4,674,309 4,699,740 Inventory finance 3,749,146 3,107,356 Auto finance 1,704,614 1,982,277 Other 17,943 21,295 Total loans and leases (1) $ 19,383,675 $ 19,072,311 (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 $(5.4) million and $(2.2) million at March 31, 2019 and December 31, 2018 , respectively. Leasing and Equipment Finance Portfolio Included in leasing and equipment finance loans and leases were $2.6 billion and $2.5 billion of direct financing and sales-type leases at March 31, 2019 and December 31, 2018 , respectively. Effective January 1, 2019, the Company adopted ASU No. 2016-02, Leases (Topic 842) and related ASUs on a modified retrospective basis, electing the practical expedients and optional transition method. As such, the following leasing disclosures include information at or for the quarter ended March 31, 2019 . The components of the net investment in direct financing and sales-type leases were as follows: (In thousands) At March 31, 2019 Carrying amount $ 2,627,699 Unguaranteed residual assets 139,184 Net direct fees and costs and unearned income (215,539 ) Total net investment in direct financing and sales-type leases $ 2,551,344 The carrying amount of the direct financing and sales-type leases subject to residual value guarantees was $249.7 million at March 31, 2019 . The components of total lease income were as follows: Quarter Ended (In thousands) March 31, 2019 Interest income - loans and leases: Interest income on net investment in direct financing and sales-type leases $ 31,284 Leasing and equipment finance non-interest income: Lease income from operating lease payments 25,250 Profit (loss) recorded on commencement date on sales-type leases 7,057 Other (1) 8,832 Total leasing and equipment finance non-interest income 41,139 Total lease income $ 72,423 (1) Other leasing and equipment finance non-interest income consists of gains (losses) on sales of leased equipment, fees and service charges on leases and gains (losses) on sales of leases. Lease financing equipment depreciation on equipment leased to others was $19.3 million for the first quarter of 2019 . The net book value of equipment leased to others and related initial direct costs under operating leases was $305.4 million at March 31, 2019 . Undiscounted future minimum lease payments receivable for direct financing and sales-type leases, and a reconciliation to the carrying amount recorded at March 31, 2019 were as follows: (In thousands) 2019 $ 716,804 2020 736,501 2021 532,046 2022 320,015 2023 165,397 Thereafter 65,227 Equipment under leases not yet commenced 76,469 Total undiscounted future minimum lease payments receivable for direct financing and sales-type leases 2,612,459 Third-party residual value guarantees 15,240 Total carrying amount of direct financing and sales-type leases $ 2,627,699 Undiscounted future minimum lease payments expected to be received for operating leases at March 31, 2019 were as follows: (In thousands) 2019 $ 57,122 2020 61,709 2021 40,610 2022 20,497 2023 7,721 Thereafter 3,783 Total undiscounted future minimum lease payments $ 191,442 Loan Sales During the first quarter of 2019 and 2018 , TCF sold $219.1 million and $266.3 million , respectively, of consumer real estate loans, received cash of $227.6 million and $272.9 million , respectively, and recognized net gains of $8.0 million and $9.1 million , respectively. Related to these sales, TCF retained interest-only strips of $0.8 million and $3.3 million during the first quarter of 2019 and 2018 , respectively. TCF generally retains servicing on loans sold. No servicing assets or liabilities related to consumer real estate loans were recorded within TCF's Consolidated Statements of Financial Condition at March 31, 2019 and December 31, 2018 , as the contractual servicing fees are adequate to compensate TCF for its servicing responsibilities based on the amount demanded by the marketplace. Total interest-only strips and the contractual liabilities related to loan sales were as follows: (In thousands) At March 31, 2019 At December 31, 2018 Total interest-only strips $ 16,163 $ 16,835 Contractual liabilities related to consumer real estate loan sales 871 1,321 TCF recorded no impairment charges on interest-only strips during the first quarter of 2019 and $603 thousand during the same period in 2018

Allowance for Loan and Lease Lo

Allowance for Loan and Lease Losses and Credit Quality Information	3 Months Ended
	Mar. 31, 2019
Financing Receivable, Allowance for Credit Loss, Additional Information [Abstract]
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 Quarter Ended March 31, 2019: Balance, beginning of period $ 44,866 $ 41,182 $ 23,791 $ 12,456 $ 34,329 $ 822 $ 157,446 Charge-offs (1,548 ) (2,100 ) (2,946 ) (2,519 ) (13,035 ) (2,283 ) (24,431 ) Recoveries 1,100 12 476 432 2,853 904 5,777 Net (charge-offs) recoveries (448 ) (2,088 ) (2,470 ) (2,087 ) (10,182 ) (1,379 ) (18,654 ) Provision for credit losses 371 (4,383 ) 3,524 3,723 5,707 1,180 10,122 Other (1) (969 ) — (13 ) 40 — — (942 ) Balance, end of period $ 43,820 $ 34,711 $ 24,832 $ 14,132 $ 29,854 $ 623 $ 147,972 At or For the Quarter Ended March 31, 2018: Balance, beginning of period $ 47,168 $ 37,195 $ 22,528 $ 13,233 $ 50,225 $ 692 $ 171,041 Charge-offs (2,154 ) — (1,956 ) (549 ) (13,441 ) (1,765 ) (19,865 ) Recoveries 1,037 14 616 140 2,785 1,122 5,714 Net (charge-offs) recoveries (1,117 ) 14 (1,340 ) (409 ) (10,656 ) (643 ) (14,151 ) Provision for credit losses 2,104 (11 ) 1,996 512 6,253 514 11,368 Other (1) (470 ) — (2 ) (83 ) — — (555 ) Balance, end of period $ 47,685 $ 37,198 $ 23,182 $ 13,253 $ 45,822 $ 563 $ 167,703 (1) Primarily includes the transfer of the allowance for loan and lease losses to loans and leases held for sale. The allowance for loan and lease losses and loans and leases outstanding by type of allowance methodology were as follows: At March 31, 2019 (In thousands) Consumer Commercial Leasing and Inventory Auto Other Total Allowance for loan and lease losses: Collectively evaluated for impairment $ 26,402 $ 32,711 $ 19,988 $ 14,009 $ 29,699 $ 623 $ 123,432 Individually evaluated for impairment 17,418 2,000 4,844 123 155 — 24,540 Total $ 43,820 $ 34,711 $ 24,832 $ 14,132 $ 29,854 $ 623 $ 147,972 Loans and leases outstanding: Collectively evaluated for impairment $ 5,238,404 $ 3,852,073 $ 4,642,913 $ 3,748,177 $ 1,690,996 $ 17,942 $ 19,190,505 Individually evaluated for impairment 115,153 32,033 28,277 969 13,618 1 190,051 Loans acquired with deteriorated credit quality — — 3,119 — — — 3,119 Total $ 5,353,557 $ 3,884,106 $ 4,674,309 $ 3,749,146 $ 1,704,614 $ 17,943 $ 19,383,675 At December 31, 2018 (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 $ 22,134 $ 36,411 $ 20,108 $ 11,621 $ 34,157 $ 822 $ 125,253 Individually evaluated for impairment 22,732 4,771 3,683 835 172 — 32,193 Total $ 44,866 $ 41,182 $ 23,791 $ 12,456 $ 34,329 $ 822 $ 157,446 Loans and leases outstanding: Collectively evaluated for impairment $ 5,295,817 $ 3,815,422 $ 4,672,168 $ 3,099,073 $ 1,968,645 $ 21,291 $ 18,872,416 Individually evaluated for impairment 114,523 35,881 23,755 8,283 13,632 4 196,078 Loans acquired with deteriorated credit quality — — 3,817 — — — 3,817 Total $ 5,410,340 $ 3,851,303 $ 4,699,740 $ 3,107,356 $ 1,982,277 $ 21,295 $ 19,072,311 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. Loans and leases that are over 60 days delinquent have a higher potential to become non-accrual and generally are a leading indicator for future charge-off trends. TCF's accruing and non-accrual loans and leases were as follows: At March 31, 2019 (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 $ 2,437,608 $ 3,171 $ 1,717 $ 2,442,496 $ 38,254 $ 2,480,750 Junior lien 2,843,169 2,374 — 2,845,543 27,264 2,872,807 Total consumer real estate 5,280,777 5,545 1,717 5,288,039 65,518 5,353,557 Commercial: Commercial real estate 2,965,035 — — 2,965,035 607 2,965,642 Commercial business 911,542 — — 911,542 6,922 918,464 Total commercial 3,876,577 — — 3,876,577 7,529 3,884,106 Leasing and equipment finance 4,641,613 6,490 2,852 4,650,955 20,235 4,671,190 Inventory finance 3,748,110 67 — 3,748,177 969 3,749,146 Auto finance 1,689,055 4,196 2,330 1,695,581 9,033 1,704,614 Other 17,922 10 10 17,942 1 17,943 Subtotal 19,254,054 16,308 6,909 19,277,271 103,285 19,380,556 Portfolios acquired with deteriorated credit quality 2,909 — 210 3,119 — 3,119 Total $ 19,256,963 $ 16,308 $ 7,119 $ 19,280,390 $ 103,285 $ 19,383,675 At December 31, 2018 (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 $ 2,403,391 $ 3,281 $ 1,276 $ 2,407,948 $ 36,432 $ 2,444,380 Junior lien 2,942,414 1,213 — 2,943,627 22,333 2,965,960 Total consumer real estate 5,345,805 4,494 1,276 5,351,575 58,765 5,410,340 Commercial: Commercial real estate 2,903,629 — — 2,903,629 4,518 2,908,147 Commercial business 932,648 1 — 932,649 10,507 943,156 Total commercial 3,836,277 1 — 3,836,278 15,025 3,851,303 Leasing and equipment finance 4,670,021 7,996 2,642 4,680,659 15,264 4,695,923 Inventory finance 3,098,763 310 — 3,099,073 8,283 3,107,356 Auto finance 1,962,042 8,326 3,331 1,973,699 8,578 1,982,277 Other 21,264 11 17 21,292 3 21,295 Subtotal 18,934,172 21,138 7,266 18,962,576 105,918 19,068,494 Portfolios acquired with deteriorated credit quality 3,639 — 178 3,817 — 3,817 Total $ 18,937,811 $ 21,138 $ 7,444 $ 18,966,393 $ 105,918 $ 19,072,311 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: Quarter Ended March 31, (In thousands) 2019 2018 Contractual interest due on non-accrual loans and leases $ 2,584 $ 2,927 Interest income recognized on non-accrual loans and leases 223 458 Unrecognized interest income $ 2,361 $ 2,469 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, 2019 At December 31, 2018 0-59 days delinquent and accruing $ 3,044 $ 3,306 Non-accrual 11,359 9,046 Total consumer real estate loans to customers in bankruptcy $ 14,403 $ 12,352 Loan Modifications for Borrowers with Financial Difficulties Included within loans and leases in the previous accruing and non-accrual loans and leases 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. When a loan is modified as a TDR, principal balances are generally not forgiven. All loans classified as TDR loans are considered to be impaired. For purposes of this disclosure, purchased credit impaired ("PCI") loans have been excluded. TDR loans were as follows: At March 31, 2019 At December 31, 2018 (In thousands) Accruing TDR Loans Non-accrual TDR Loans Total TDR Loans Accruing TDR Loans Non-accrual TDR Loans Total TDR Loans Consumer real estate $ 79,471 $ 17,391 $ 96,862 $ 80,739 $ 16,192 $ 96,931 Commercial 7,958 607 8,565 4,174 3,946 8,120 Leasing and equipment finance 8,042 1,931 9,973 8,491 1,754 10,245 Inventory finance — 205 205 — 453 453 Auto finance 4,585 6,956 11,541 5,054 6,362 11,416 Other 1 — 1 1 — 1 Total $ 100,057 $ 27,090 $ 127,147 $ 98,459 $ 28,707 $ 127,166 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, 2019 , $8.4 million , or 48.5% , were loans discharged in Chapter 7 bankruptcy that were not reaffirmed by the borrower, of which 60.4% were current. Of the non-accrual TDR balance at December 31, 2018 , $7.8 million , or 48.2% , were loans discharged in Chapter 7 bankruptcy that were not reaffirmed by the borrower, of which 56.5% were current. All eligible loans are re-aged to current delinquency status upon modification. The allowance on accruing consumer real estate TDR loans was $14.7 million , or 18.5% of the outstanding balance, at March 31, 2019 and $15.5 million , or 19.2% of the outstanding balance, at December 31, 2018 . At March 31, 2019 and December 31, 2018 , 0.1% and 0.3% , respectively, of accruing consumer real estate TDR loans were 60 days or more delinquent. The allowance on accruing TDRs and the percentage of accruing TDR loans that were 60 days or more delinquent were not material for the remaining classes of finance receivables at March 31, 2019 and December 31, 2018 . Unfunded commitments to consumer real estate loans classified as TDRs were $0.5 million and $0.6 million at March 31, 2019 and December 31, 2018 , respectively. At March 31, 2019 and December 31, 2018 , no additional funds were committed to the remaining classes of finance receivables classified as TDRs. Loan modifications to troubled borrowers are no longer disclosed as TDR loans in the calendar years after modification if the loans were modified to an interest rate equal to or greater than the yields of new loan originations with comparable risk at the time of restructuring and if the loan is performing based on the restructured terms; however, these loans are still considered impaired and follow TCF's impaired loan reserve policies. Interest income on TDR loans is recognized based on the restructured terms. Unrecognized interest represents the financial impact of TDR loans and is the difference between interest income recognized on accruing TDR loans and the contractual interest that would have been recorded had the loans performed in accordance with their original contractual terms. The following table summarizes the financial effects of consumer real estate accruing TDR loans. The financial effects of TDR loans for the remaining classes of finance receivables were not material for the first quarter of 2019 and 2018 . Quarter Ended March 31, 2019 2018 (In thousands) Contractual Interest Due Interest Income Unrecognized Interest Contractual Interest Due Interest Income Unrecognized Interest Consumer real estate: First mortgage lien $ 968 $ 579 $ 389 $ 1,066 $ 640 $ 426 Junior lien 374 256 118 424 290 134 Total consumer real estate $ 1,342 $ 835 $ 507 $ 1,490 $ 930 $ 560 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 periods presented that were modified during the respective reporting period or within one year of the beginning of the respective reporting period. Quarter Ended March 31, (In thousands) 2019 2018 Defaulted TDR loan balances modified during the applicable period: (1) Consumer real estate: First mortgage lien $ 190 $ 1,480 Junior lien 94 28 Total consumer real estate 284 1,508 Commercial business — 4,697 Auto finance 536 364 Defaulted TDR loan balances modified during the applicable period $ 820 $ 6,569 (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 and Leases Effective January 1, 2019, in conjunction with the adoption of ASU No. 2016-02, Leases (Topic 842) and related ASUs, TCF considers impaired loans and leases to include non-accrual commercial loans, non-accrual leasing and equipment finance loans and leases and non-accrual inventory finance loans, as well as all TDR loans. Previously, TCF did not include impaired leases within the following tables. For purposes of this disclosure, PCI loans have been excluded. Non-accrual impaired loans and leases, 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 table, the balance of impaired loans and leases 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 and leases at March 31, 2019 and information on impaired loans at December 31, 2018 was as follows: At March 31, 2019 At December 31, 2018 (In thousands) Unpaid Loan and Lease Balance Related Unpaid Loan Balance Related Impaired loans and leases with an allowance recorded: Consumer real estate: First mortgage lien $ 68,890 $ 65,360 $ 14,322 $ 64,529 $ 61,744 $ 16,848 Junior lien 30,213 28,910 3,096 25,861 24,264 5,656 Total consumer real estate 99,103 94,270 17,418 90,390 86,008 22,504 Commercial: Commercial real estate 4,872 4,416 438 4,905 4,474 1,108 Commercial business 6,754 6,751 1,562 12,317 9,192 3,663 Total commercial 11,626 11,167 2,000 17,222 13,666 4,771 Leasing and equipment finance 28,277 28,277 4,844 15,763 15,763 1,856 Inventory finance 294 295 123 7,364 7,371 835 Auto finance 1,104 867 155 917 646 81 Other 1 1 — 2 1 — Total impaired loans and leases with an allowance recorded 140,405 134,877 24,540 131,658 123,455 30,047 Impaired loans and leases without an allowance recorded: Consumer real estate: First mortgage lien 21,298 18,872 — 11,829 9,586 — Junior lien 12,672 2,011 — 10,427 1,337 — Total consumer real estate 33,970 20,883 — 22,256 10,923 — Commercial: Commercial real estate 20,783 20,685 — 4,275 4,208 — Commercial business 1,189 181 — 1,328 1,325 — Total commercial 21,972 20,866 — 5,603 5,533 — Inventory finance 672 674 — 911 912 — Auto finance 17,859 12,751 — 15,071 10,770 — Other 395 — — 329 — — Total impaired loans and leases without an allowance recorded 74,868 55,174 — 44,170 28,138 — Total impaired loans and leases $ 215,273 $ 190,051 $ 24,540 $ 175,828 $ 151,593 $ 30,047 The average balance of impaired loans and leases and interest income recognized on impaired loans and leases for the first quarter of 2019 and the average loan balance of impaired loans and interest income recognized on impaired loans for the first quarter of 2018 were as follows: Quarter Ended March 31, 2019 2018 (In thousands) Average Loan and Lease Balance Interest Income Recognized Average Loan Balance Interest Income Recognized Impaired loans and leases with an allowance recorded: Consumer real estate: First mortgage lien $ 63,552 $ 476 $ 80,245 $ 654 Junior lien 26,587 236 29,372 305 Total consumer real estate 90,139 712 109,617 959 Commercial: Commercial real estate 4,445 17 6,631 — Commercial business 7,972 — 7,552 86 Total commercial 12,417 17 14,183 86 Leasing and equipment finance 22,020 44 16,826 6 Inventory finance 3,833 6 1,243 23 Auto finance 756 — 873 — Other 1 — 4 — Total impaired loans and leases with an allowance recorded 129,166 779 142,746 1,074 Impaired loans and leases without an allowance recorded: Consumer real estate: First mortgage lien 14,229 307 10,421 183 Junior lien 1,674 51 1,572 55 Total consumer real estate 15,903 358 11,993 238 Commercial: Commercial real estate 12,447 272 4,457 58 Commercial business 752 — — — Total commercial 13,199 272 4,457 58 Inventory finance 793 55 2,625 57 Auto finance 11,761 91 7,957 69 Total impaired loans and leases without an allowance recorded 41,656 776 27,032 422 Total impaired loans and leases $ 170,822 $ 1,555 $ 169,778 $ 1,496 Other Real Estate Owned and Repossessed and Returned Assets Other real estate owned and repossessed and returned assets were as follows: (In thousands) At March 31, 2019 At December 31, 2018 Other real estate owned $ 18,361 $ 17,403 Repossessed and returned assets 15,645 14,574 Consumer real estate loans in process of foreclosure 15,594 15,540 Other real estate owned and repossessed and returned assets were written down $1.8 million and $1.2 million during the first quarter of 2019 and 2018

Operating Lease Right-of-Use As

Operating Lease Right-of-Use Assets and Liabilities	3 Months Ended
	Mar. 31, 2019
Leases [Abstract]
Operating Lease Right-of-Use Assets and Liabilities	Operating Lease Right-of-Use Assets and Liabilities Operating lease right-of-use assets, included in other assets, were $86.2 million at March 31, 2019 . Operating lease liabilities, included in accrued expenses and other liabilities, were $106.5 million at March 31, 2019 . Undiscounted future minimum operating lease payments and a reconciliation to the amount recorded as operating lease liabilities at March 31, 2019 were as follows: (In thousands) 2019 $ 21,854 2020 24,765 2021 16,432 2022 12,156 2023 10,505 Thereafter 31,648 Total undiscounted future minimum operating lease payments 117,360 Discount (10,833 ) Total operating lease liabilities $ 106,527 The weighted-average discount rate and remaining lease term for operating leases were as follows: At March 31, 2019 Weighted-average discount rate 2.86 % Weighted-average remaining lease term (years) 6.3 The components of total lease cost for operating leases, included in occupancy and equipment non-interest expense, were as follows: Quarter Ended (In thousands) March 31, 2019 Lease expense $ 8,899 Short-term and variable lease cost 45 Sublease income (407 ) Total lease cost for operating leases $ 8,537

Regulatory Capital Requirements

Regulatory Capital Requirements	3 Months Ended
	Mar. 31, 2019
Regulatory Capital Requirements [Abstract]
Regulatory Capital Requirements	Regulatory Capital Requirements TCF and TCF Bank are subject to minimum capital requirements administered by the federal banking regulators. Failure to meet minimum capital requirements can initiate certain mandatory, and possible additional discretionary, actions by the federal banking regulators 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 $269.1 million at March 31, 2019 , 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 federal banking regulators. 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 (Dollars in thousands) 2019 2018 2019 2018 Regulatory Capital: Common equity Tier 1 capital $ 2,266,244 $ 2,224,183 $ 2,347,092 $ 2,282,013 Tier 1 capital 2,459,132 2,408,393 2,376,544 2,300,472 Total capital 2,792,419 2,750,581 2,742,456 2,675,347 Regulatory Capital Ratios: Common equity Tier 1 capital ratio 10.79 % 10.82 % 11.18 % 11.10 % 6.50 % 7.00 % Tier 1 risk-based capital ratio 11.71 11.72 11.32 11.19 8.00 8.50 Total risk-based capital ratio 13.30 13.38 13.06 13.01 10.00 10.50 Tier 1 leverage ratio 10.26 10.44 9.92 9.97 5.00 4.00

Stock Compensation

Stock Compensation	3 Months Ended
	Mar. 31, 2019
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
Stock Compensation	Stock Compensation TCF's restricted stock award transactions under the TCF Financial 2015 Omnibus Incentive Plan (the "Omnibus Incentive Plan") and the TCF Financial Incentive Stock Program were as follows: Shares Weighted-average Grant Date Fair Value Outstanding at December 31, 2018 2,289,446 $ 16.70 Granted 142,085 21.18 Forfeited/canceled (120,003 ) 17.60 Vested (314,802 ) 19.28 Outstanding at March 31, 2019 1,996,726 16.56 At March 31, 2019 , there were 114,049 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 $17.6 million with a weighted-average remaining amortization period of 1.5 years at March 31, 2019 . At March 31, 2019 , there were 331,155 performance-based restricted stock units granted and outstanding 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 that will vest 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. The remaining weighted-average performance period of the restricted stock units was 2.1 years at March 31, 2019 . Compensation expense for restricted stock awards and restricted stock units was $1.5 million and $5.9 million for the first quarter of 2019 and 2018

Employee Benefit Plans

Employee Benefit Plans	3 Months Ended
	Mar. 31, 2019
Retirement Benefits [Abstract]
Employee Benefit Plans	Employee Benefit Plans The net periodic benefit plan (income) cost included in other non-interest expense for the TCF Cash Balance Pension Plan (the "Pension Plan") and the Postretirement Plan were as follows: Pension Plan Quarter Ended March 31, (In thousands) 2019 2018 Interest cost $ 264 $ 246 Return on plan assets (137 ) (132 ) Net periodic benefit plan (income) cost $ 127 $ 114 Postretirement Plan Quarter Ended March 31, (In thousands) 2019 2018 Interest cost $ 30 $ 28 Amortization of prior service cost (12 ) (12 ) Net periodic benefit plan (income) cost $ 18 $ 16 TCF made no cash contributions to the Pension Plan during the first quarter of 2019 and 2018 . TCF contributed $0.1 million to the Postretirement Plan during the first quarter of 2019 and 2018

Derivative Instruments

Derivative Instruments	3 Months Ended
	Mar. 31, 2019
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Derivative Instruments	Derivative Instruments Derivative instruments, recognized at fair value within other assets or accrued expenses and other liabilities on the Consolidated Statements of Financial Condition, were as follows: At March 31, 2019 Fair Value (In thousands) Notional Amount Derivative Assets Derivative Liabilities Derivatives designated as hedging instruments: Interest rate contracts $ 150,000 $ — $ 333 Forward foreign exchange contracts 163,828 — 815 Total derivatives designated as hedging instruments — 1,148 Derivatives not designated as hedging instruments: Interest rate contracts 1,269,616 15,480 1,091 Forward foreign exchange contracts 241,060 286 513 Interest rate lock commitments 51,407 1,130 13 Other contracts 13,020 — 510 Total derivatives not designated as hedging instruments 16,896 2,127 Total derivatives before netting 16,896 3,275 Netting (1) (655 ) (1,093 ) Total derivatives, net $ 16,241 $ 2,182 At December 31, 2018 Fair Value (In thousands) Notional Amount Derivative Assets Derivative Liabilities Derivatives designated as hedging instruments: Interest rate contracts $ 150,000 $ 393 $ — Forward foreign exchange contracts 157,271 2,980 — Total derivatives designated as hedging instruments 3,373 — Derivatives not designated as hedging instruments: Interest rate contracts 1,095,449 7,516 3,732 Forward foreign exchange contracts 254,274 3,709 13 Interest rate lock commitments 28,007 652 28 Other contracts 13,020 — 583 Total derivatives not designated as hedging instruments 11,877 4,356 Total derivatives before netting 15,250 4,356 Netting (1) (6,982 ) (991 ) Total derivatives, net $ 8,268 $ 3,365 (1) Includes balance sheet netting of derivative asset and derivative liability balances, related cash collateral and portfolio level counterparty valuation adjustments. Derivative instruments may be subject to master netting arrangements and collateral arrangements and qualify for offset in the Consolidated Statements of Financial Condition. A master netting arrangement with a counterparty creates a right of offset for amounts due to and from that same counterparty that is enforceable in the event of a default or bankruptcy. Derivative instruments subject to master netting arrangements and collateral arrangements are recognized on a net basis in the Consolidated Statements of Financial Condition. The gross amounts recognized, gross amounts offset and net amount presented of derivative instruments were as follows: At March 31, 2019 (In thousands) Gross Amounts Recognized Gross Amounts Offset (1) Net Amount Presented Derivative assets: Interest rate contracts $ 15,480 $ (369 ) $ 15,111 Forward foreign exchange contracts 286 (286 ) — Interest rate lock commitments 1,130 — 1,130 Total derivative assets $ 16,896 $ (655 ) $ 16,241 Derivative liabilities: Interest rate contracts $ 1,424 $ (340 ) $ 1,084 Forward foreign exchange contracts 1,328 (243 ) 1,085 Interest rate lock commitments 13 — 13 Other contracts 510 (510 ) — Total derivative liabilities $ 3,275 $ (1,093 ) $ 2,182 At December 31, 2018 (In thousands) Gross Amounts Recognized Gross Amounts Offset (1) Net Amount Presented Derivative assets: Interest rate contracts $ 7,909 $ (395 ) $ 7,514 Forward foreign exchange contracts 6,689 (6,587 ) 102 Interest rate lock commitments 652 — 652 Total derivative assets $ 15,250 $ (6,982 ) $ 8,268 Derivative liabilities: Interest rate contracts $ 3,732 $ (395 ) $ 3,337 Forward foreign exchange contracts 13 (13 ) — Interest rate lock commitments 28 — 28 Other contracts 583 (583 ) — Total derivative liabilities $ 4,356 $ (991 ) $ 3,365 (1) Includes the amounts with counterparties subject to enforceable master netting arrangements that have been offset in the Consolidated Statements of Financial Condition. Derivatives Designated as Hedging Instruments Interest Rate Contract TCF Bank entered into an interest rate swap agreement which was designated as a fair value hedge of its contemporaneously issued subordinated debt. The interest rate swap agreement effectively converts the fixed interest rate to a floating rate based on the three-month LIBOR plus a fixed number of basis points on the $150.0 million notional amount. The carrying amount of the hedged subordinated debt, including the cumulative basis adjustment related to the application of fair value hedge accounting, is recorded in long-term borrowings on the Consolidated Statements of Financial Condition and was as follows: Carrying Amount of the Hedged Liability Cumulative Amount of Fair Value Hedging Adjustments Included in the Carrying Amount of the Hedged Liability (In thousands) At March 31, 2019 At December 31, 2018 At March 31, 2019 At December 31, 2018 Subordinated bank note - 2025 $ 146,960 $ 144,296 $ (1,555 ) $ (4,165 ) The gain (loss) related to the fair value hedge and the line within the Consolidated Statements of Income where the gain (loss) was recorded were as follows: Quarter Ended March 31, (In thousands) 2019 2018 Gain (loss) of fair value hedge: Hedged item $ (2,610 ) $ 3,806 Derivative designated as a hedging instrument 2,562 (3,858 ) Income statement line where the gain (loss) on the fair value hedge was recorded: Interest expense - borrowings $ 14,858 $ 9,553 Forward Foreign Exchange Contracts Certain of TCF's forward foreign exchange contracts are used to manage the foreign exchange risk associated with the Company's net investment in TCF Commercial Finance Canada, Inc., a wholly-owned indirect Canadian subsidiary of TCF Bank. These forward foreign exchange contracts have been designated as net investment hedges. The effect of net investment hedges on accumulated other comprehensive income was as follows: Quarter Ended March 31, (In thousands) 2019 2018 Forward foreign exchange contracts $ (3,050 ) $ 2,137 Derivatives Not Designated as Hedging Instruments Certain other interest rate contracts, forward foreign exchange contracts, interest rate lock commitments and other contracts have not been designated as hedging instruments. The effect of these derivatives on the Consolidated Statements of Income was as follows: Quarter Ended March 31, (In thousands) Location of Gain (Loss) 2019 2018 Interest rate contracts Other non-interest income $ (808 ) $ 99 Forward foreign exchange contracts Other non-interest expense (4,779 ) 8,944 Interest rate lock commitments Gains on sales of loans, net 493 624 Net gain (loss) recognized $ (5,094 ) $ 9,667 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, 2019 and December 31, 2018 , credit risk-related contingent features existed on forward foreign exchange contracts with a notional value of $30.0 million and $25.7 million , respectively. 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 $0.6 million and $0.5 million in additional collateral at March 31, 2019 and December 31, 2018 , respectively. There were $66 thousand of forward foreign exchange contracts containing credit risk-related features in a liability position at March 31, 2019 and none at December 31, 2018 . At March 31, 2019 , TCF had posted $11.1 million and $1.3 million of cash collateral related to its interest rate contracts and other contracts, respectively, and received $2.4 million

Fair Values Disclosures

Fair Values Disclosures	3 Months Ended
	Mar. 31, 2019
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. Debt securities available for sale, certain loans held for sale, interest-only strips, interest rate contracts, forward foreign exchange contracts, interest rate lock commitments, other contracts, forward loan sales commitments, and assets and liabilities held in trust for deferred compensation plans are recorded at fair value on a recurring basis. From time to time we may be required to record at fair value other assets on a non-recurring basis, such as certain debt securities held to maturity, loans and leases, goodwill, other intangible assets, other real estate owned, repossessed and returned assets or 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. The levels are 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, which includes valuations 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. Debt Securities Available for Sale Debt 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 for which the fair value option has been elected are categorized as Level 3. The fair value of these loans is recorded utilizing internal valuation models which use quoted investor prices to estimate the fair value. Loans and Leases Loans and leases 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. Effective January 1, 2019, in conjunction with the adoption of ASU No. 2016-02, Leases (Topic 842) and the related ASUs, such loans and leases include non-accrual impaired loans and leases as well as certain delinquent non-accrual consumer real estate and auto finance loans. Previously, TCF did not include non-accrual impaired leases. The fair value of the collateral is determined based on internal estimates and/or 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 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 fair value of the interest-only strips may fluctuate significantly from period to period. Derivative Instruments Interest Rate Contracts TCF executes interest rate contracts with commercial banking customers to facilitate their respective risk management strategies. Certain of these interest rate contracts are simultaneously hedged by offsetting interest rate contracts 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 interest rate contracts, categorized as Level 2, is determined using a cash flow model which may consider the forward curve, the discount curve and credit valuation adjustments related to counterparty and/or borrower non-performance risk. 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 Lock Commitments TCF's interest rate lock commitments are derivative instruments that are recorded at fair value using an internal valuation model that utilizes estimated rates of successful loan closings and quoted investor prices. While this model uses both Level 2 and Level 3 inputs, TCF has determined that the significant inputs used in the valuation of these commitments fall within Level 3 and therefore the interest rate lock commitments are categorized as Level 3. Other Contracts TCF's swap agreement, categorized as Level 3, is related to the sale of TCF's Visa Class B stock. The fair value of the swap agreement is based on TCF's estimated exposure related to the Visa covered litigation through a probability analysis of the funding and estimated settlement amounts. Forward Loan Sales Commitments TCF enters into forward loan sales commitments to sell certain consumer real estate loans. The resulting loans held for sale are 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 Level 3 inputs, TCF has determined that the significant inputs used in the valuation of these commitments fall within Level 3 and therefore the forward loan sales commitments 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. 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 stock and other equity, and U.S. Treasury notes. The fair value of these assets, categorized as Level 1, is based on prices obtained from independent asset pricing services based on active markets. The fair value of the liabilities equals the fair value of the assets. The balances of assets and liabilities measured at fair value on a recurring and non-recurring basis were as follows: At March 31, 2019 (In thousands) Level 1 Level 2 Level 3 Total Recurring fair value measurements through net income: Assets: Loans held for sale $ — $ — $ 9,863 $ 9,863 Interest rate contracts (1) — 15,480 — 15,480 Forward foreign exchange contracts (1) — 286 — 286 Interest rate lock commitments (1) — — 1,130 1,130 Forward loan sales commitments — — 109 109 Assets held in trust for deferred compensation plans 36,188 — — 36,188 Total assets $ 36,188 $ 15,766 $ 11,102 $ 63,056 Liabilities: Interest rate contracts (1) $ — $ 1,424 $ — $ 1,424 Forward foreign exchange contracts (1) — 513 — 513 Interest rate lock commitments (1) — — 13 13 Other contracts (1) — — 510 510 Forward loan sales commitments — — 227 227 Liabilities held in trust for deferred compensation plans 36,188 — — 36,188 Total liabilities $ 36,188 $ 1,937 $ 750 $ 38,875 Recurring fair value measurements through other comprehensive income: Assets: Debt securities available for sale: Mortgage-backed securities: U.S. Government sponsored enterprises and federal agencies $ — $ 2,584,511 $ — $ 2,584,511 Other — — 4 4 Obligations of states and political subdivisions — 360,827 — 360,827 Interest-only strips — — 16,163 16,163 Total assets $ — $ 2,945,338 $ 16,167 $ 2,961,505 Liabilities: Forward foreign exchange contracts (1) $ — $ 815 $ — $ 815 Total liabilities $ — $ 815 $ — $ 815 Non-recurring fair value measurements: Loans and leases $ — $ — $ 69,691 $ 69,691 Other real estate owned — — 11,570 11,570 Repossessed and returned assets — 6,496 4,536 11,032 Total non-recurring fair value measurements $ — $ 6,496 $ 85,797 $ 92,293 (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. At December 31, 2018 (In thousands) Level 1 Level 2 Level 3 Total Recurring fair value measurements through net income: Assets: Loans held for sale $ — $ — $ 18,070 $ 18,070 Interest rate contracts (1) — 7,909 — 7,909 Forward foreign exchange contracts (1) — 3,709 — 3,709 Interest rate lock commitments (1) — — 652 652 Forward loan sales commitments — — 152 152 Assets held in trust for deferred compensation plans 33,217 — — 33,217 Total assets $ 33,217 $ 11,618 $ 18,874 $ 63,709 Liabilities: Interest rate contracts (1) $ — $ 3,732 $ — $ 3,732 Forward foreign exchange contracts (1) — 13 — 13 Interest rate lock commitments (1) — — 28 28 Other contracts (1) — — 583 583 Forward loan sales commitments — — 178 178 Liabilities held in trust for deferred compensation plans 33,217 — — 33,217 Total liabilities $ 33,217 $ 3,745 $ 789 $ 37,751 Recurring fair value measurements through other comprehensive income: Assets: Debt securities available for sale: Mortgage-backed securities: U.S. Government sponsored enterprises and federal agencies $ — $ 1,913,190 $ — $ 1,913,190 Other — — 4 4 Obligations of states and political subdivisions — 556,871 — 556,871 Interest-only strips — — 16,835 16,835 Forward foreign exchange contracts (1) — 2,980 — 2,980 Total assets $ — $ 2,473,041 $ 16,839 $ 2,489,880 Non-recurring fair value measurements: Loans $ — $ — $ 57,663 $ 57,663 Other real estate owned — — 9,397 9,397 Repossessed and returned assets — 4,358 5,165 9,523 Total non-recurring fair value measurements $ — $ 4,358 $ 72,225 $ 76,583 (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 transfers occurred. TCF had no transfers during the first quarter of 2019 and 2018 . The changes in Level 3 assets and liabilities measured at fair value on a recurring basis were as follows: (In thousands) Debt Securities Loans Interest-only Strips Interest Other Contracts Forward At or For the Quarter Ended March 31, 2019: Asset (liability) balance, beginning of period $ 4 $ 18,070 $ 16,835 $ 624 $ (583 ) $ (26 ) Total net gains (losses) included in: Net income — (166 ) 712 493 — (92 ) Other comprehensive income (loss) — — 286 — — — Sales — (73,438 ) — — — — Originations — 65,400 844 — — — Principal paydowns / settlements — (3 ) (2,514 ) — 73 — Asset (liability) balance, end of period $ 4 $ 9,863 $ 16,163 $ 1,117 $ (510 ) $ (118 ) At or For the Quarter Ended March 31, 2018: Asset (liability) balance, beginning of period $ 6 $ 3,356 $ 21,386 $ 223 $ (615 ) $ 63 Total net gains (losses) included in: Net income — 97 331 335 — 81 Other comprehensive income (loss) — — 777 — — — Sales — (59,747 ) — — — — Originations — 65,355 3,299 — — — Principal paydowns / settlements (1 ) (3 ) (3,942 ) — 77 — Asset (liability) balance, end of period $ 5 $ 9,058 $ 21,851 $ 558 $ (538 ) $ 144 Fair Value Option TCF Home Loans, a division of TCF Bank, originates first mortgage lien loans in its primary banking markets and sells the loans through correspondent relationships. TCF elected the fair value option for these loans. This election facilitates the offsetting of changes in fair value 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, 2019 At December 31, 2018 Fair value carrying amount $ 9,863 $ 18,070 Aggregate unpaid principal amount 9,520 17,517 Fair value carrying amount less aggregate unpaid principal $ 343 $ 553 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, 2019 and December 31, 2018 . 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 $2.2 million and $1.6 million for the first quarter of 2019 and 2018 , respectively, and are included in net gains on sales of loans. These amounts exclude the impacts from the interest rate lock commitments and forward loan sales commitments which are also included in net gains on sales of loans. Disclosures About Fair Value of Financial Instruments Management discloses the estimated fair value of financial instruments, including assets and liabilities on and off the Consolidated Statements of Financial Condition, for which it is practicable to estimate fair value. These fair value estimates were made at March 31, 2019 and December 31, 2018 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 value 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 Consolidated Statements of Financial Condition 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. At March 31, 2019 Carrying Estimated Fair Value (In thousands) Amount Level 1 Level 2 Level 3 Total Financial instrument assets: Investments $ 103,644 $ — $ 103,644 $ — $ 103,644 Debt securities held to maturity 148,024 — 147,610 3,621 151,231 Loans held for sale 53,905 — — 55,919 55,919 Loans: Consumer real estate 5,353,557 — — 5,434,461 5,434,461 Commercial real estate 2,965,642 — — 2,920,368 2,920,368 Commercial business 918,464 — — 885,178 885,178 Equipment finance 2,122,965 — — 2,093,552 2,093,552 Inventory finance 3,749,146 — — 3,731,535 3,731,535 Auto finance 1,704,614 — — 1,668,084 1,668,084 Other 17,943 — — 15,826 15,826 Allowance for loan losses (1) (147,972 ) — — — — Securitization receivable (2) 19,496 — — 19,134 19,134 Total financial instrument assets $ 17,009,428 $ — $ 251,254 $ 16,827,678 $ 17,078,932 Financial instrument liabilities: Deposits $ 19,024,111 $ 14,532,113 $ 4,525,854 $ — $ 19,057,967 Long-term borrowings 1,411,426 — 1,418,024 — 1,418,024 Total financial instrument liabilities $ 20,435,537 $ 14,532,113 $ 5,943,878 $ — $ 20,475,991 Financial instruments with off-balance sheet risk: (3) Commitments to extend credit $ 18,525 $ — $ 18,525 $ — $ 18,525 Standby letters of credit (61 ) — (61 ) — (61 ) Total financial instruments with off-balance sheet risk $ 18,464 $ — $ 18,464 $ — $ 18,464 (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. At December 31, 2018 Carrying Estimated Fair Value (In thousands) Amount Level 1 Level 2 Level 3 Total Financial instrument assets: Investments $ 91,654 $ — $ 91,654 $ — $ 91,654 Debt securities held to maturity 148,852 — 146,467 2,800 149,267 Loans held for sale 72,594 — — 74,078 74,078 Loans: Consumer real estate 5,410,340 — — 5,461,209 5,461,209 Commercial real estate 2,908,147 — — 2,872,829 2,872,829 Commercial business 943,156 — — 890,828 890,828 Equipment finance 2,169,577 — — 2,131,147 2,131,147 Inventory finance 3,107,356 — — 3,091,593 3,091,593 Auto finance 1,982,277 — — 1,935,017 1,935,017 Other 21,295 — — 16,928 16,928 Allowance for loan losses (1) (157,446 ) — — — — Securitization receivable (2) 19,432 — — 19,025 19,025 Total financial instrument assets $ 16,717,234 $ — $ 238,121 $ 16,495,454 $ 16,733,575 Financial instrument liabilities: Deposits $ 18,903,686 $ 14,113,006 $ 4,820,442 $ — $ 18,933,448 Long-term borrowings 1,449,472 — 1,451,550 — 1,451,550 Total financial instrument liabilities $ 20,353,158 $ 14,113,006 $ 6,271,992 $ — $ 20,384,998 Financial instruments with off-balance sheet risk: (3) Commitments to extend credit $ 18,555 $ — $ 18,555 $ — $ 18,555 Standby letters of credit (77 ) — (77 ) — (77 ) Total financial instruments with off-balance sheet risk $ 18,478 $ — $ 18,478 $ — $ 18,478 (1) Expected credit losses are included in the estimated fair values. (2) Carrying amounts are included in other assets. (3)

Earnings Per Common Share

Earnings Per Common Share	3 Months Ended
	Mar. 31, 2019
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: Quarter Ended March 31, (Dollars in thousands, except per share data) 2019 2018 Basic earnings per common share: Net income attributable to TCF Financial Corporation $ 70,494 $ 73,761 Preferred stock dividends 2,493 4,106 Impact of preferred stock redemption (1) — 3,481 Net income available to common stockholders 68,001 66,174 Less: Earnings allocated to participating securities 13 9 Earnings allocated to common stock $ 67,988 $ 66,165 Weighted-average common shares outstanding used in basic earnings per common share calculation 161,865,270 168,507,448 Basic earnings per common share $ 0.42 $ 0.39 Diluted earnings per common share: Earnings allocated to common stock $ 67,988 $ 66,165 Weighted-average common shares outstanding used in basic earnings per common share calculation 161,865,270 168,507,448 Net dilutive effect of: Non-participating restricted stock 562,553 721,353 Stock options — 8,278 Warrants — 760,067 Weighted-average common shares outstanding used in diluted earnings per common share calculation 162,427,823 169,997,146 Diluted earnings per common share $ 0.42 $ 0.39 (1) Represents the amount of deferred stock issuance costs originally recorded in preferred stock that were reclassified to retained earnings. For the first quarter of 2019 and 2018 , there were 728,455 and 591,695

Other Non-interest Expense

Other Non-interest Expense	3 Months Ended
	Mar. 31, 2019
Other Income and Expenses [Abstract]
Other Non-interest Expense	Other Non-interest Expense Other non-interest expense was as follows: Quarter Ended March 31, (In thousands) 2019 2018 Advertising and marketing $ 6,855 $ 7,297 Professional fees 5,528 5,321 Outside processing 5,474 5,236 Card processing and issuance costs 4,508 4,457 FDIC insurance 2,918 4,070 Other 31,154 33,055 Total other non-interest expense $ 56,437 $ 59,436

Business Segments

Business Segments	3 Months Ended
	Mar. 31, 2019
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 other, and auto finance. Wholesale Banking is comprised of commercial banking, 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, internal audit, legal and human capital management that provide services to the operating segments; (iii) the Holding Company and (iv) eliminations. TCF evaluates performance and allocates resources based on each reportable segment's net income or loss. The reportable business segments follow GAAP as described in Note 1 . Basis of Presentation , except for the accounting for intercompany interest income and interest expense, which are eliminated in consolidation and presenting net interest income on a fully tax-equivalent basis. TCF generally accounts for inter-segment sales and transfers at cost. Certain information for each of TCF's reportable segments, including reconciliations of TCF's consolidated totals, was as follows: At or For the Quarter Ended March 31, 2019 (In thousands) Consumer Banking Wholesale Banking Enterprise Services Consolidated Interest income: Loans and leases $ 105,759 $ 174,845 $ (1,010 ) $ 279,594 Debt securities available for sale — — 18,815 18,815 Debt securities held to maturity — 22 513 535 Loans held for sale and other 1,669 142 2,490 4,301 Funds transfer pricing - credits 113,733 10,952 (124,685 ) — Total interest income 221,161 185,961 (103,877 ) 303,245 Interest expense: Deposits 26,607 4,143 6,730 37,480 Borrowings 7,933 26,236 (19,311 ) 14,858 Funds transfer pricing - charges 48,614 59,724 (108,338 ) — Total interest expense 83,154 90,103 (120,919 ) 52,338 Net interest income (expense) 138,007 95,858 17,042 250,907 Provision for credit losses 7,294 2,828 — 10,122 Net interest income (expense) after provision for credit losses 130,713 93,030 17,042 240,785 Non-interest income: Leasing and equipment finance — 41,139 — 41,139 Fees and service charges 27,794 3,530 — 31,324 Card revenue 14,226 17 — 14,243 ATM revenue 4,439 1 — 4,440 Gains on sales of loans, net 7,972 — — 7,972 Servicing fee income 4,824 286 — 5,110 Gains (losses) on debt securities, net — 4 447 451 Other 2,593 (301 ) 55 2,347 Total non-interest income 61,848 44,676 502 107,026 Non-interest expense: Compensation and employee benefits 51,778 27,690 42,089 121,557 Occupancy and equipment 26,418 4,927 10,392 41,737 Lease financing equipment depreciation — 19,256 — 19,256 Foreclosed real estate and repossessed assets, net 3,744 886 — 4,630 Merger-related expenses — — 9,458 9,458 Other 73,845 31,390 (48,798 ) 56,437 Total non-interest expense 155,785 84,149 13,141 253,075 Income (loss) before income tax expense (benefit) 36,776 53,557 4,403 94,736 Income tax expense (benefit) 8,562 11,938 787 21,287 Income (loss) after income tax expense (benefit) 28,214 41,619 3,616 73,449 Income attributable to non-controlling interest — 2,955 — 2,955 Preferred stock dividends — — 2,493 2,493 Net income (loss) available to common stockholders $ 28,214 $ 38,664 $ 1,123 $ 68,001 Revenues from external customers: Interest income $ 107,428 $ 173,999 $ 21,818 $ 303,245 Non-interest income 61,848 44,676 502 107,026 Total $ 169,276 $ 218,675 $ 22,320 $ 410,271 Total assets $ 7,896,858 $ 12,875,586 $ 3,646,271 $ 24,418,715 At or For the Quarter Ended March 31, 2018 (In thousands) Consumer Banking Wholesale Banking Enterprise Services Consolidated Interest income: Loans and leases $ 109,760 $ 151,525 $ (910 ) $ 260,375 Debt securities available for sale — — 10,123 10,123 Debt securities held to maturity — 23 996 1,019 Loans held for sale and other 2,057 21 1,667 3,745 Funds transfer pricing - credits 96,582 7,748 (104,330 ) — Total interest income 208,399 159,317 (92,454 ) 275,262 Interest expense: Deposits 17,855 1,434 3,221 22,510 Borrowings 12,407 17,398 (20,252 ) 9,553 Funds transfer pricing - charges 38,229 44,885 (83,114 ) — Total interest expense 68,491 63,717 (100,145 ) 32,063 Net interest income (expense) 139,908 95,600 7,691 243,199 Provision for credit losses 8,889 2,479 — 11,368 Net interest income (expense) after provision for credit losses 131,019 93,121 7,691 231,831 Non-interest income: Leasing and equipment finance — 41,847 — 41,847 Fees and service charges 28,597 2,154 — 30,751 Card revenue 13,750 9 — 13,759 ATM revenue 4,649 1 — 4,650 Gains on sales of loans, net 9,123 — — 9,123 Servicing fee income 7,926 369 — 8,295 Gains (losses) on debt securities, net — 63 — 63 Other 3,065 607 44 3,716 Total non-interest income 67,110 45,050 44 112,204 Non-interest expense: Compensation and employee benefits 55,230 24,288 44,322 123,840 Occupancy and equipment 25,868 4,907 9,739 40,514 Lease financing equipment depreciation — 17,274 — 17,274 Foreclosed real estate and repossessed assets, net 4,259 650 7 4,916 Other 76,109 29,253 (45,926 ) 59,436 Total non-interest expense 161,466 76,372 8,142 245,980 Income (loss) before income tax expense (benefit) 36,663 61,799 (407 ) 98,055 Income tax expense (benefit) 8,823 13,877 (1,069 ) 21,631 Income (loss) after income tax expense (benefit) 27,840 47,922 662 76,424 Income attributable to non-controlling interest — 2,663 — 2,663 Preferred stock dividends — — 4,106 4,106 Impact of preferred stock redemption — — 3,481 3,481 Net income (loss) available to common stockholders $ 27,840 $ 45,259 $ (6,925 ) $ 66,174 Revenues from external customers: Interest income $ 111,817 $ 150,659 $ 12,786 $ 275,262 Non-interest income 67,110 45,050 44 112,204 Total $ 178,927 $ 195,709 $ 12,830 $ 387,466 Total assets $ 8,325,213 $ 12,293,798 $ 2,766,041 $ 23,385,052

Litigation Contingencies

Litigation Contingencies	3 Months Ended
	Mar. 31, 2019
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 SEC, the Federal Reserve, the OCC and the Consumer Financial Protection Bureau which 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. Based on our current understanding of TCF's pending legal proceedings, including the lawsuits discussed below related to the proposed merger with Chemical, 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 March 29, 2019, purported stockholders of TCF filed two putative class action lawsuits and one individual lawsuit in the United States District Court for the District of Delaware against TCF and members of the TCF Board: Wang v. TCF Financial Corporation et al. , 1:19-cv-00661 (filed on April 9, 2019), Parshall v. TCF Financial Corporation et al. , 1:19-cv-00663 (filed on April 10, 2019), and White v. TCF Financial Corporation et al. , 1:19-cv-00683 (filed on April 12, 2019). The lawsuits contain similar allegations contending, among other things, that the registration statement on Form S-4 related to the proposed merger misstates or fails to disclose certain allegedly material information in violation of federal securities laws. These lawsuits generally seek, among other things, an award of costs and attorneys’ fees, to enjoin the stockholder vote with respect to the merger and/or the completion of the merger until additional information is disclosed, to recover damages and to rescind the merger to the extent the merger is completed. Additionally, a purported shareholder of TCF filed an individual lawsuit in the United States District Court for the Southern District of New York against TCF and members of the TCF Board: Harrelson v. TCF Financial Corporation et al. , 1:19-cv-03183 (filed on April 10, 2019). The lawsuit contains similar allegations to the complaints filed in the District of Delaware. Like the lawsuits filed in the District of Delaware, this lawsuit seeks, among other things, an award of costs and attorneys’ fees, to enjoin the completion of the merger until additional information is disclosed, to recover damages and to rescind the merger to the extent the merger is completed. Finally, a purported shareholder of TCF filed a putative class action lawsuit in Minnesota’s Fourth Judicial District Court, Hennepin County against TCF and members of the TCF Board: Nelson v. TCF Financial Corporation et al.

Accumulated Other Comprehensive

Accumulated Other Comprehensive Income (Loss)	3 Months Ended
	Mar. 31, 2019
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), reclassifications from accumulated other comprehensive income (loss) to various financial statement line items and the related tax effects were as follows : Quarter Ended March 31, 2019 2018 (In thousands) Before Tax Tax Effect Net of Tax Before Tax Tax Effect Net of Tax Net unrealized gains (losses) on debt securities available for sale and interest-only strips: Net unrealized gains (losses) arising during the period $ 48,628 $ (11,836 ) $ 36,792 $ (37,892 ) $ 9,538 $ (28,354 ) Reclassification of net (gains) losses from accumulated other comprehensive income (loss) to: Total interest income 1,370 (333 ) 1,037 276 (69 ) 207 Gains (losses) on debt securities, net (447 ) 109 (338 ) — — — Other non-interest expense (162 ) 39 (123 ) 437 (109 ) 328 Amounts reclassified from accumulated other comprehensive income (loss) 761 (185 ) 576 713 (178 ) 535 Net unrealized gains (losses) on debt securities available for sale and interest-only strips 49,389 (12,021 ) 37,368 (37,179 ) 9,360 (27,819 ) Net unrealized gains (losses) on net investment hedges (3,050 ) 742 (2,308 ) 2,137 (533 ) 1,604 Foreign currency translation adjustment (1) 3,567 — 3,567 (2,110 ) — (2,110 ) Recognized postretirement prior service cost: Reclassification of amortization of prior service cost to Other non-interest expense (12 ) 4 (8 ) (12 ) 3 (9 ) Total other comprehensive income (loss) $ 49,894 $ (11,275 ) $ 38,619 $ (37,164 ) $ 8,830 $ (28,334 ) (1) Foreign investments are deemed to be permanent in nature and, therefore, TCF does not provide for taxes on foreign currency translation adjustments. The components of accumulated other comprehensive income (loss) were as follows: (In thousands) Net Unrealized Gains (Losses) on Debt Securities Available for Sale and Interest-only Strips Net Unrealized Gains (Losses) on Net Investment Hedges Foreign Currency Translation Adjustment Recognized Postretirement Prior Service Cost Total At or For the Quarter Ended March 31, 2019: Balance, beginning of period $ (28,022 ) $ 14,986 $ (20,211 ) $ 109 $ (33,138 ) Other comprehensive income (loss) 36,792 (2,308 ) 3,567 — 38,051 Amounts reclassified from accumulated other comprehensive income (loss) 576 — — (8 ) 568 Net other comprehensive income (loss) 37,368 (2,308 ) 3,567 (8 ) 38,619 Balance, end of period $ 9,346 $ 12,678 $ (16,644 ) $ 101 $ 5,481 At or For the Quarter Ended March 31, 2018: Balance, beginning of period $ (16,353 ) $ 4,536 $ (6,843 ) $ 143 $ (18,517 ) Other comprehensive income (loss) (28,354 ) 1,604 (2,110 ) — (28,860 ) Amounts reclassified from accumulated other comprehensive income (loss) 535 — — (9 ) 526 Net other comprehensive income (loss) (27,819 ) 1,604 (2,110 ) (9 ) (28,334 ) Balance, end of period $ (44,172 ) $ 6,140 $ (8,953 ) $ 134 $ (46,851 )

Basis of Presentation (Policies

Basis of Presentation (Policies)	3 Months Ended
	Mar. 31, 2019
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Business	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. Its principal subsidiary, TCF National Bank ("TCF Bank"), is headquartered in Sioux Falls, South Dakota. TCF Bank operates bank branches in Illinois, Minnesota, Michigan, Colorado, Wisconsin, Arizona and South Dakota (TCF's "primary banking markets"). Through its direct subsidiaries, TCF Bank provides a full range of consumer-facing and commercial services, including consumer banking services, commercial banking services, commercial leasing and equipment financing, and commercial inventory financing.
Principles of Consolidation	The accompanying unaudited consolidated financial statements have been prepared in conformity with U.S. generally accepted accounting principles ("GAAP") for interim financial information and in accordance with the instructions to Quarterly Report on Form 10-Q and Article 10 of Regulation S-X as promulgated by the Securities and Exchange Commission ("SEC"). Accordingly, the consolidated financial statements do not include all of the information and notes necessary for complete financial statements in conformity with GAAP. 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. 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 and for the year ended December 31, 2018 . 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. All significant intercompany accounts and transactions have been eliminated in consolidation. Certain reclassifications have been made to prior period financial statements to conform to the current period presentation.

Summary of Significant Accoun_2

Summary of Significant Accounting Policies (Policies)	3 Months Ended
	Mar. 31, 2019
Accounting Policies [Abstract]
Lessor Accounting Policy	Leases TCF enters into lease contracts as both a lessor and a lessee. A contract, or part of a contract, is considered a lease if it conveys the right to obtain substantially all of the economic benefits from, and the right to direct and use, an identified asset for a period of time in exchange for consideration. The determination of lease classification requires various judgments and estimates by management which may include the fair value of the equipment at lease inception, useful life of the equipment under lease, estimate of the lease residual value and collectability of minimum lease payments. Management has policies and procedures in place for the determination of lease classification and review of the related judgments and estimates for all leases. As a lessor, TCF provides various types of lease financing that are classified for accounting purposes as direct financing, sales-type or operating leases. Leases that transfer substantially all of the benefits and risks of ownership to the lessee are classified as direct financing or sales-type leases and are recorded in loans and leases. Direct financing and sales-type leases are carried at the combined present value of future minimum lease payments and lease residual values. Interest income on net investment in direct financing and sales-type leases is recognized using methods that approximate a level yield over the fixed, non-cancelable term of the lease, including pro rata rent payments received for the interim period until the lease contract commences and the fixed, non-cancelable lease term begins. Sales-type leases generate selling profit (loss), which is recognized on the commencement date by recording lease revenue net of lease cost. Lease revenue consists of the present value of the future minimum lease payments and lease cost consists of the leased equipment's net book value, less the present value of its residual. Some lease financing contracts include a residual value component, which represents the estimated fair value of the leased equipment at the expiration of the initial term of the transaction. The estimation of residual values involves judgment regarding product and technology changes, customer behavior, shifts in supply and demand and other economic assumptions. TCF reviews residual assumptions when assessing potential impairment of the net investment in direct financing and sales-type leases each quarter. Decreases in the expected residual value are reflected through an increase in the provision for credit losses, which results in an increase to the allowance for loan and lease losses. TCF may sell minimum lease payment receivables, primarily as a credit risk reduction tool, to third-party financial institutions at fixed rates, on a non-recourse basis, with its underlying equipment as collateral. For those transactions that qualify for sale accounting, the related lease cash flow stream and the non-recourse financing are derecognized. For those transactions that do not qualify for sale accounting, the underlying lease remains on TCF's Consolidated Statements of Financial Condition and non-recourse debt is recorded in the amount of the proceeds received. TCF retains servicing of these leases and bills, collects and remits funds to the third-party financial institution. Upon default by the lessee, the third-party financial institutions may take control of the underlying collateral which TCF would otherwise retain as residual value. Leases that do not transfer substantially all benefits and risks of ownership to the lessee are classified as operating leases. Such leased equipment and related initial direct costs are included in other assets and depreciated to their estimated salvage value on a straight-line basis over the term of the lease. Lease financing equipment depreciation is recorded in non-interest expense. Operating lease payments received are recognized as lease income when due and recorded as a component of leasing and equipment finance non-interest income. An allowance for lease losses is not provided on operating leases. See Note 6 . Loans and Leases for further information.
Lessee Accounting Policy	As a lessee, TCF enters into contracts to lease real estate, information technology equipment and various other types of equipment. Leases that transfer substantially all of the benefits and risks of ownership to TCF are classified as finance leases, while all others are classified as operating leases. At lease commencement, a lease liability and right-of-use asset are calculated and recognized for both types of leases. The lease liability is equal to the present value of future minimum lease payments. The right-of-use asset is equal to the lease liability, plus any initial direct costs and prepaid lease payments, less any lease incentives received. Operating lease right-of-use assets are recorded in other assets and finance lease right-of-use assets are recorded in premises and equipment, net. The Company uses the appropriate term Federal Home Loan Bank ("FHLB") rate to determine the discount rate for the present value calculation of future minimum payments when an implicit rate is not known for a given lease. The lease term used in the calculation includes any options to extend that TCF is reasonably certain to exercise. Subsequent to lease commencement, lease liabilities recorded for finance leases are measured using the effective interest rate method and the related right-of-use assets are amortized on a straight-line basis over the lease term. Interest expense and amortization expense are recorded separately in the income statement in interest expense on borrowings and occupancy and equipment non-interest expense, respectively. For operating leases, total lease cost is comprised of lease expense, short-term lease cost, variable lease cost and sublease income. Lease expense includes future minimum lease payments, which are recognized on a straight-line basis over the lease term, as well as common area maintenance charges, real estate taxes, insurance and other expenses, where applicable, which are expensed as incurred. Total lease cost for operating leases is recorded in occupancy and equipment non-interest expense. See Note 8 . Operating Lease Right-of-Use Assets and Liabilities
New Accounting Pronouncements Recently Adopted or Issued	Recently Adopted Accounting Pronouncements Effective January 1, 2019, the Company adopted ASU No. 2018-16, Derivatives and Hedging (Topic 815): Inclusion of the Secured Overnight Financing Rate (SOFR) Overnight Index Swap (OIS) Rate as a Benchmark Interest Rate for Hedge Accounting Purposes , which permits the use of the OIS Rate based on SOFR as a U.S. benchmark interest rate for hedge accounting purposes under Topic 815 in addition to the interest rates on direct Treasury obligations of the U.S. government, the London Interbank Offered Rate ("LIBOR") swap rate, the OIS Rate based on the Fed Funds Effective Rate and the Securities Industry and Financial Markets Association Municipal Swap Rate. The adoption of this ASU was on a prospective basis for qualifying new or redesignated hedging relationships entered into on or after January 1, 2019. The adoption of this guidance did not have a material impact on our consolidated financial statements. Effective January 1, 2019, the Company adopted ASU No. 2018-15, Intangibles - Goodwill and Other - Internal-Use Software (Subtopic 350-40): Customer's Accounting for Implementation Costs Incurred in a Cloud Computing Arrangement That Is a Service Contract (a consensus of the FASB Emerging Issues Task Force) , which requires the decision to capitalize or expense implementation costs incurred in a cloud computing arrangement (i.e. a hosting arrangement) that is a service contract to follow the internal-use software guidance in Accounting Standards Codification ("ASC") 350-40. TCF's policy had been to expense these costs as incurred. The adoption of this ASU was on a prospective basis. The adoption of this guidance did not have a material impact on our consolidated financial statements. Effective January 1, 2019, the Company adopted ASU No. 2018-07, Compensation - Stock Compensation (Topic 718): Improvements to Nonemployee Share-Based Payment Accounting , which simplifies the accounting for share-based payments to nonemployees by aligning it more consistently with the accounting for share-based payments to employees. The new guidance in ASC 718 supersedes the guidance in ASC 505-50. The adoption of this ASU was on a modified retrospective basis with no cumulative effect adjustment recorded. The adoption of this guidance did not have a material impact on our consolidated financial statements. Effective January 1, 2019, the Company adopted ASU No. 2017-11, Earnings Per Share (Topic 260): Distinguishing Liabilities from Equity (Topic 480); Derivatives and Hedging (Topic 815): (Part I) Accounting for Certain Financial Instruments with Down Round Features , which simplifies the accounting for certain equity-linked financial instruments and embedded features with the down round features that reduce the exercise price when the pricing of a future round of financing is lower. The adoption of this ASU was on a modified retrospective basis. The adoption of this guidance did not have a material impact on our consolidated financial statements. Effective January 1, 2019, the Company adopted ASU No. 2016-02, Leases (Topic 842) , which, along with other amendments, requires lessees to recognize most leases on their balance sheet. Lessor accounting is largely unchanged. The ASU requires both quantitative and qualitative disclosure regarding key information about leasing arrangements from both lessees and lessors. Effective January 1, 2019, the Company also adopted the following ASUs, which further amend the original lease guidance in Topic 842: (i) ASU No. 2017-13, Revenue Recognition (Topic 605), Revenue from Contracts with Customers (Topic 606), Leases (Topic 840) and Leases (Topic 842): Amendments to SEC Paragraphs , which rescinds certain SEC Observer comments and staff announcements from the lease guidance and incorporates SEC staff announcements on the effect of a change in tax law on leveraged leases from ASC 840 into ASC 842; (ii) ASU No. 2018-01, Leases (Topic 842): Land Easement Practical Expedient for Transition to Topic 842 , which amends the new lease guidance to add an optional transition practical expedient that permits an entity to continue applying its current accounting policy for land easements that existed or expired before January 1, 2019; (iii) ASU No. 2018-10, Codification Improvements to Topic 842, Leases , which makes narrow scope improvements to the standard for specific issues; (iv) ASU No. 2018-11, Leases (Topic 842): Targeted Improvements , which provides an optional transition method allowing the standard to be applied at the adoption date and provides a practical expedient related to separating components of a contract for lessors; (v) ASU No. 2018-20, Leases (Topic 842): Narrow-Scope Improvements for Lessors , which allows lessors to elect to account for all sales taxes as lessee costs, instead of determining whether they are lessee or lessor costs in each individual jurisdiction. It requires lessor costs paid by lessees directly to third parties to be excluded from revenue, requires lessors to account for costs excluded from the consideration of a contract that are paid by the lessor as revenue and requires certain variable payments to be allocated (rather than recognized) to lease and nonlease components when changes occur in the facts and circumstances on which the variable payments are based; and (vi) ASU No. 2019-01, Leases (Topic 842): Codification Improvements , which allows lessors that are not manufacturers or dealers to calculate the fair value of an underlying asset as its cost less any volume or trade discount, requires lessors to classify principal payments received from direct financing and sales-type leases as investing activities in the statement of cash flows and clarifies that certain disclosure requirements that were explicitly excluded from annual reporting during the year of adoption are also excluded from interim reporting during the same year. These ASUs were adopted on a modified retrospective basis. Management elected the practical expedients and optional transition method, which allow for leases entered into prior to January 1, 2019 to be accounted for consistent with prior guidance. Management evaluated TCF's leasing contracts and activities, and developed methodologies and processes to estimate and account for the right-of-use assets and lease liabilities based on the present value of future lease payments. On January 1, 2019, the Company recorded right-of-use assets and lease liabilities totaling $91.9 million and $112.8 million , respectively. The impact to capital ratios as a result of increased risk-weighted assets is immaterial. The adoption of this guidance did not result in a material change to lessee expense recognition. The changes to lessor accounting, as well as changes in customer behavior driven by the adoption of these ASUs, impacts the results of TCF's leasing and equipment financing businesses, including earlier recognition of expense due to a narrower definition of initial direct costs and the timing of revenue recognition for certain leases, resulting in more revenue being deferred over the lease term. Recently Issued Accounting Pronouncements In November 2018, the Financial Accounting Standards Board (the "FASB") issued ASU No. 2018-18, Collaborative Arrangements (Topic 808): Clarifying the Interaction between Topic 808 and Topic 606 , which makes targeted improvements to the accounting for collaborative arrangements in response to questions raised as a result of the issuance of ASU 2014-09, Revenue from Contracts with Customers (Topic 606) . The adoption of this ASU will be required beginning with TCF's Quarterly Report on Form 10-Q for the quarter ending March 31, 2020. Early adoption is allowed. The adoption of this guidance will not have a material impact on our consolidated financial statements. In October 2018, the FASB issued ASU No. 2018-17, Consolidation (Topic 810): Targeted Improvements to Related Party Guidance for Variable Interest Entities , which provides an elective exemption to private companies from applying variable interest entities ("VIE") guidance to all entities under common control if certain criteria are met. In addition, this ASU contains an amendment applicable to all entities which amends how a decision maker or service provider determines whether its fee is a variable interest in a VIE when a related party under common control also has an interest in the VIE. The adoption of this ASU will be required beginning with TCF's Quarterly Report on Form 10-Q for the quarter ending March 31, 2020. Early adoption is allowed. The adoption of this guidance will not have a material impact on our consolidated financial statements. In August 2018, the FASB issued ASU No. 2018-13, Fair Value Measurement (Topic 820): Disclosure Framework - Changes to the Disclosure Requirements for Fair Value Measurement , which eliminates, adds and modifies certain disclosure requirements for fair value measurements. The adoption of this ASU will be required beginning with TCF's Quarterly Report on Form 10-Q for the quarter ending March 31, 2020. Certain of the amendments require prospective application, while the remainder require retrospective application. Early adoption is allowed either for the entire standard or only the provisions that eliminate or modify the requirements. Management is currently evaluating the potential impact of this guidance on our consolidated financial statements. In June 2016, the FASB issued ASU No. 2016-13, Financial Instruments - Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments , which changes the impairment model for most financial assets, including trade and other receivables, held to maturity debt securities, loans, net investments in leases and purchased financial assets with credit deterioration. The ASU requires the use of a current expected credit loss ("CECL") approach to determine the allowance for credit losses for loans and held to maturity debt securities. CECL requires loss estimates for the remaining estimated life of the asset using historical loss data as well as reasonable and supportable forecasts based on current economic conditions. In November 2018, the FASB issued ASU No. 2018-19, Codification Improvements to Topic 326, Financial Instruments - Credit Losses , which clarifies that receivables arising from operating leases are not within the scope of Subtopic 326-20 and should be accounted for in accordance with Topic 842. In April 2019, the FASB issued ASU No. 2019-04, Codification Improvements to Topic 326, Financial Instruments - Credit Losses, Topic 815, Derivatives and Hedging, and Topic 825, Financial Instruments

Debt Securities Available for_2

Debt Securities Available for Sale and Debt Securities Held to Maturity (Tables)	3 Months Ended
	Mar. 31, 2019
Investments, Debt and Equity Securities [Abstract]
Schedule of Debt Securities	Debt securities were as follows: At March 31, 2019 At December 31, 2018 (In thousands) Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value Debt securities available for sale: Mortgage-backed securities: U.S. Government sponsored enterprises and federal agencies $ 2,566,426 $ 31,187 $ 13,102 $ 2,584,511 $ 1,930,696 $ 9,222 $ 26,728 $ 1,913,190 Other 4 — — 4 4 — — 4 Obligations of states and political subdivisions 358,118 3,330 621 360,827 566,304 46 9,479 556,871 Total debt securities available for sale $ 2,924,548 $ 34,517 $ 13,723 $ 2,945,342 $ 2,497,004 $ 9,268 $ 36,207 $ 2,470,065 Debt securities held to maturity: Mortgage-backed securities: U.S. Government sponsored enterprises and federal agencies $ 144,403 $ 3,755 $ 548 $ 147,610 $ 146,052 $ 1,460 $ 1,045 $ 146,467 Other securities 3,621 — — 3,621 2,800 — — 2,800 Total debt securities held to maturity $ 148,024 $ 3,755 $ 548 $ 151,231 $ 148,852 $ 1,460 $ 1,045 $ 149,267
Schedule of Gross Unrealized Losses and Fair Value of Debt Securities Available for Sale and Debt Securities Held to Maturity that are in a Loss Position	Gross unrealized losses and fair value of debt securities available for sale and debt 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, 2019 Less than 12 months 12 months or more Total (In thousands) Fair Value Unrealized Losses Fair Value Unrealized Losses Fair Value Unrealized Losses Debt securities available for sale: Mortgage-backed securities: U.S. Government sponsored enterprises and federal agencies $ 4,943 $ 4 $ 748,535 $ 13,098 $ 753,478 $ 13,102 Obligations of states and political subdivisions — — 77,036 621 77,036 621 Total debt securities available for sale $ 4,943 $ 4 $ 825,571 $ 13,719 $ 830,514 $ 13,723 Debt securities held to maturity: Mortgage-backed securities: U.S. Government sponsored enterprises and federal agencies $ 107 $ 3 $ 26,871 $ 545 $ 26,978 $ 548 Total debt securities held to maturity $ 107 $ 3 $ 26,871 $ 545 $ 26,978 $ 548 At December 31, 2018 Less than 12 months 12 months or more Total (In thousands) Fair Value Unrealized Losses Fair Value Unrealized Losses Fair Value Unrealized Losses Debt securities available for sale: Mortgage-backed securities: U.S. Government sponsored enterprises and federal agencies $ 102,709 $ 184 $ 838,482 $ 26,544 $ 941,191 $ 26,728 Obligations of states and political subdivisions 3,620 — 526,817 9,479 530,437 9,479 Total debt securities available for sale $ 106,329 $ 184 $ 1,365,299 $ 36,023 $ 1,471,628 $ 36,207 Debt securities held to maturity: Mortgage-backed securities: U.S. Government sponsored enterprises and federal agencies $ 3,074 $ 14 $ 31,738 $ 1,031 $ 34,812 $ 1,045 Total debt securities held to maturity $ 3,074 $ 14 $ 31,738 $ 1,031 $ 34,812 $ 1,045
Schedule of Amortized Cost and Fair Value of Debt Securities Available for Sale and Debt Securities Held to Maturity by Contractual Maturity	The amortized cost and fair value of debt securities available for sale and debt securities held to maturity by final contractual maturity were as follows. The final contractual maturities do not consider possible prepayments and therefore expected maturities may differ because borrowers may have the right to prepay. At March 31, 2019 At December 31, 2018 (In thousands) Amortized Cost Fair Value Amortized Cost Fair Value Debt securities available for sale: Due in 1-5 years $ 21,220 $ 21,241 $ 24,464 $ 24,375 Due in 5-10 years 367,273 369,916 509,832 503,768 Due after 10 years 2,536,055 2,554,185 1,962,708 1,941,922 Total debt securities available for sale $ 2,924,548 $ 2,945,342 $ 2,497,004 $ 2,470,065 Debt securities held to maturity: Due in 1-5 years $ 3,150 $ 3,150 $ 2,400 $ 2,400 Due in 5-10 years 428 431 430 432 Due after 10 years 144,446 147,650 146,022 146,435 Total debt securities held to maturity $ 148,024 $ 151,231 $ 148,852 $ 149,267
Interest Income Attributable to Debt Securities Available for Sale	Interest income attributable to debt securities available for sale was as follows: Quarter Ended March 31, (In thousands) 2019 2018 Taxable interest income $ 16,131 $ 5,813 Tax-exempt interest income 2,684 4,310 Total interest income $ 18,815 $ 10,123

Loans and Leases (Tables)

Loans and Leases (Tables)	3 Months Ended
	Mar. 31, 2019
Receivables [Abstract]
Schedule of Loans and Leases	Loans and leases were as follows: (In thousands) At March 31, 2019 At December 31, 2018 Consumer real estate: First mortgage lien $ 2,480,750 $ 2,444,380 Junior lien 2,872,807 2,965,960 Total consumer real estate 5,353,557 5,410,340 Commercial: Commercial real estate: Permanent 2,564,187 2,510,583 Construction and development 401,455 397,564 Total commercial real estate 2,965,642 2,908,147 Commercial business 918,464 943,156 Total commercial 3,884,106 3,851,303 Leasing and equipment finance 4,674,309 4,699,740 Inventory finance 3,749,146 3,107,356 Auto finance 1,704,614 1,982,277 Other 17,943 21,295 Total loans and leases (1) $ 19,383,675 $ 19,072,311 (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 $(5.4) million and $(2.2) million at March 31, 2019 and December 31, 2018
Schedule of Components of Total Lease Income	The components of total lease income were as follows: Quarter Ended (In thousands) March 31, 2019 Interest income - loans and leases: Interest income on net investment in direct financing and sales-type leases $ 31,284 Leasing and equipment finance non-interest income: Lease income from operating lease payments 25,250 Profit (loss) recorded on commencement date on sales-type leases 7,057 Other (1) 8,832 Total leasing and equipment finance non-interest income 41,139 Total lease income $ 72,423 (1) (In thousands) At March 31, 2019 Carrying amount $ 2,627,699 Unguaranteed residual assets 139,184 Net direct fees and costs and unearned income (215,539 ) Total net investment in direct financing and sales-type leases $ 2,551,344
Schedule of Components of Total Lease Income	The components of the net investment in direct financing and sales-type leases were as follows: (In thousands) At March 31, 2019 Carrying amount $ 2,627,699 Unguaranteed residual assets 139,184 Net direct fees and costs and unearned income (215,539 ) Total net investment in direct financing and sales-type leases $ 2,551,344 Quarter Ended (In thousands) March 31, 2019 Interest income - loans and leases: Interest income on net investment in direct financing and sales-type leases $ 31,284 Leasing and equipment finance non-interest income: Lease income from operating lease payments 25,250 Profit (loss) recorded on commencement date on sales-type leases 7,057 Other (1) 8,832 Total leasing and equipment finance non-interest income 41,139 Total lease income $ 72,423 (1)
Undiscounted Future Minimum Lease Payments Receivable for Direct Financing and Sales-type Leases	Undiscounted future minimum lease payments receivable for direct financing and sales-type leases, and a reconciliation to the carrying amount recorded at March 31, 2019 were as follows: (In thousands) 2019 $ 716,804 2020 736,501 2021 532,046 2022 320,015 2023 165,397 Thereafter 65,227 Equipment under leases not yet commenced 76,469 Total undiscounted future minimum lease payments receivable for direct financing and sales-type leases 2,612,459 Third-party residual value guarantees 15,240 Total carrying amount of direct financing and sales-type leases $ 2,627,699
Undiscounted Future Minimum Lease Payments Expected to be Received for Operating Leases	Undiscounted future minimum lease payments expected to be received for operating leases at March 31, 2019 were as follows: (In thousands) 2019 $ 57,122 2020 61,709 2021 40,610 2022 20,497 2023 7,721 Thereafter 3,783 Total undiscounted future minimum lease payments $ 191,442
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, 2019 At December 31, 2018 Total interest-only strips $ 16,163 $ 16,835 Contractual liabilities related to consumer real estate loan sales 871 1,321

Allowance for Loan and Lease _2

Allowance for Loan and Lease Losses and Credit Quality Information (Tables)	3 Months Ended
	Mar. 31, 2019
Financing Receivable, Allowance for Credit Loss, Additional Information [Abstract]
Rollforwards of the Allowance for Loan and Lease Losses	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 Quarter Ended March 31, 2019: Balance, beginning of period $ 44,866 $ 41,182 $ 23,791 $ 12,456 $ 34,329 $ 822 $ 157,446 Charge-offs (1,548 ) (2,100 ) (2,946 ) (2,519 ) (13,035 ) (2,283 ) (24,431 ) Recoveries 1,100 12 476 432 2,853 904 5,777 Net (charge-offs) recoveries (448 ) (2,088 ) (2,470 ) (2,087 ) (10,182 ) (1,379 ) (18,654 ) Provision for credit losses 371 (4,383 ) 3,524 3,723 5,707 1,180 10,122 Other (1) (969 ) — (13 ) 40 — — (942 ) Balance, end of period $ 43,820 $ 34,711 $ 24,832 $ 14,132 $ 29,854 $ 623 $ 147,972 At or For the Quarter Ended March 31, 2018: Balance, beginning of period $ 47,168 $ 37,195 $ 22,528 $ 13,233 $ 50,225 $ 692 $ 171,041 Charge-offs (2,154 ) — (1,956 ) (549 ) (13,441 ) (1,765 ) (19,865 ) Recoveries 1,037 14 616 140 2,785 1,122 5,714 Net (charge-offs) recoveries (1,117 ) 14 (1,340 ) (409 ) (10,656 ) (643 ) (14,151 ) Provision for credit losses 2,104 (11 ) 1,996 512 6,253 514 11,368 Other (1) (470 ) — (2 ) (83 ) — — (555 ) Balance, end of period $ 47,685 $ 37,198 $ 23,182 $ 13,253 $ 45,822 $ 563 $ 167,703 (1) Primarily includes the transfer of the allowance for loan and lease losses to loans and leases held for sale.
Allowance for Loan and Lease Losses and Balances by Type of Allowance Methodology	The allowance for loan and lease losses and loans and leases outstanding by type of allowance methodology were as follows: At March 31, 2019 (In thousands) Consumer Commercial Leasing and Inventory Auto Other Total Allowance for loan and lease losses: Collectively evaluated for impairment $ 26,402 $ 32,711 $ 19,988 $ 14,009 $ 29,699 $ 623 $ 123,432 Individually evaluated for impairment 17,418 2,000 4,844 123 155 — 24,540 Total $ 43,820 $ 34,711 $ 24,832 $ 14,132 $ 29,854 $ 623 $ 147,972 Loans and leases outstanding: Collectively evaluated for impairment $ 5,238,404 $ 3,852,073 $ 4,642,913 $ 3,748,177 $ 1,690,996 $ 17,942 $ 19,190,505 Individually evaluated for impairment 115,153 32,033 28,277 969 13,618 1 190,051 Loans acquired with deteriorated credit quality — — 3,119 — — — 3,119 Total $ 5,353,557 $ 3,884,106 $ 4,674,309 $ 3,749,146 $ 1,704,614 $ 17,943 $ 19,383,675 At December 31, 2018 (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 $ 22,134 $ 36,411 $ 20,108 $ 11,621 $ 34,157 $ 822 $ 125,253 Individually evaluated for impairment 22,732 4,771 3,683 835 172 — 32,193 Total $ 44,866 $ 41,182 $ 23,791 $ 12,456 $ 34,329 $ 822 $ 157,446 Loans and leases outstanding: Collectively evaluated for impairment $ 5,295,817 $ 3,815,422 $ 4,672,168 $ 3,099,073 $ 1,968,645 $ 21,291 $ 18,872,416 Individually evaluated for impairment 114,523 35,881 23,755 8,283 13,632 4 196,078 Loans acquired with deteriorated credit quality — — 3,817 — — — 3,817 Total $ 5,410,340 $ 3,851,303 $ 4,699,740 $ 3,107,356 $ 1,982,277 $ 21,295 $ 19,072,311
Schedule of Accruing and Non-accruing Loans and Leases	TCF's accruing and non-accrual loans and leases were as follows: At March 31, 2019 (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 $ 2,437,608 $ 3,171 $ 1,717 $ 2,442,496 $ 38,254 $ 2,480,750 Junior lien 2,843,169 2,374 — 2,845,543 27,264 2,872,807 Total consumer real estate 5,280,777 5,545 1,717 5,288,039 65,518 5,353,557 Commercial: Commercial real estate 2,965,035 — — 2,965,035 607 2,965,642 Commercial business 911,542 — — 911,542 6,922 918,464 Total commercial 3,876,577 — — 3,876,577 7,529 3,884,106 Leasing and equipment finance 4,641,613 6,490 2,852 4,650,955 20,235 4,671,190 Inventory finance 3,748,110 67 — 3,748,177 969 3,749,146 Auto finance 1,689,055 4,196 2,330 1,695,581 9,033 1,704,614 Other 17,922 10 10 17,942 1 17,943 Subtotal 19,254,054 16,308 6,909 19,277,271 103,285 19,380,556 Portfolios acquired with deteriorated credit quality 2,909 — 210 3,119 — 3,119 Total $ 19,256,963 $ 16,308 $ 7,119 $ 19,280,390 $ 103,285 $ 19,383,675 At December 31, 2018 (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 $ 2,403,391 $ 3,281 $ 1,276 $ 2,407,948 $ 36,432 $ 2,444,380 Junior lien 2,942,414 1,213 — 2,943,627 22,333 2,965,960 Total consumer real estate 5,345,805 4,494 1,276 5,351,575 58,765 5,410,340 Commercial: Commercial real estate 2,903,629 — — 2,903,629 4,518 2,908,147 Commercial business 932,648 1 — 932,649 10,507 943,156 Total commercial 3,836,277 1 — 3,836,278 15,025 3,851,303 Leasing and equipment finance 4,670,021 7,996 2,642 4,680,659 15,264 4,695,923 Inventory finance 3,098,763 310 — 3,099,073 8,283 3,107,356 Auto finance 1,962,042 8,326 3,331 1,973,699 8,578 1,982,277 Other 21,264 11 17 21,292 3 21,295 Subtotal 18,934,172 21,138 7,266 18,962,576 105,918 19,068,494 Portfolios acquired with deteriorated credit quality 3,639 — 178 3,817 — 3,817 Total $ 18,937,811 $ 21,138 $ 7,444 $ 18,966,393 $ 105,918 $ 19,072,311
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: Quarter Ended March 31, (In thousands) 2019 2018 Contractual interest due on non-accrual loans and leases $ 2,584 $ 2,927 Interest income recognized on non-accrual loans and leases 223 458 Unrecognized interest income $ 2,361 $ 2,469
Summary of Consumer Real Estate Loans to Customers Involved in Bankruptcy Proceedings	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, 2019 At December 31, 2018 0-59 days delinquent and accruing $ 3,044 $ 3,306 Non-accrual 11,359 9,046 Total consumer real estate loans to customers in bankruptcy $ 14,403 $ 12,352
Schedule of TDR Loans	TDR loans were as follows: At March 31, 2019 At December 31, 2018 (In thousands) Accruing TDR Loans Non-accrual TDR Loans Total TDR Loans Accruing TDR Loans Non-accrual TDR Loans Total TDR Loans Consumer real estate $ 79,471 $ 17,391 $ 96,862 $ 80,739 $ 16,192 $ 96,931 Commercial 7,958 607 8,565 4,174 3,946 8,120 Leasing and equipment finance 8,042 1,931 9,973 8,491 1,754 10,245 Inventory finance — 205 205 — 453 453 Auto finance 4,585 6,956 11,541 5,054 6,362 11,416 Other 1 — 1 1 — 1 Total $ 100,057 $ 27,090 $ 127,147 $ 98,459 $ 28,707 $ 127,166
Schedule of Financial Effects of TDRs	The following table summarizes the financial effects of consumer real estate accruing TDR loans. The financial effects of TDR loans for the remaining classes of finance receivables were not material for the first quarter of 2019 and 2018 . Quarter Ended March 31, 2019 2018 (In thousands) Contractual Interest Due Interest Income Unrecognized Interest Contractual Interest Due Interest Income Unrecognized Interest Consumer real estate: First mortgage lien $ 968 $ 579 $ 389 $ 1,066 $ 640 $ 426 Junior lien 374 256 118 424 290 134 Total consumer real estate $ 1,342 $ 835 $ 507 $ 1,490 $ 930 $ 560
Schedule of Accruing Loans that were Restructured within 12 Months and Defaulted	The following table summarizes the TDR loans that defaulted during the periods presented that were modified during the respective reporting period or within one year of the beginning of the respective reporting period. Quarter Ended March 31, (In thousands) 2019 2018 Defaulted TDR loan balances modified during the applicable period: (1) Consumer real estate: First mortgage lien $ 190 $ 1,480 Junior lien 94 28 Total consumer real estate 284 1,508 Commercial business — 4,697 Auto finance 536 364 Defaulted TDR loan balances modified during the applicable period $ 820 $ 6,569 (1)
Information on Impaired Loans and Leases	Information on impaired loans and leases at March 31, 2019 and information on impaired loans at December 31, 2018 was as follows: At March 31, 2019 At December 31, 2018 (In thousands) Unpaid Loan and Lease Balance Related Unpaid Loan Balance Related Impaired loans and leases with an allowance recorded: Consumer real estate: First mortgage lien $ 68,890 $ 65,360 $ 14,322 $ 64,529 $ 61,744 $ 16,848 Junior lien 30,213 28,910 3,096 25,861 24,264 5,656 Total consumer real estate 99,103 94,270 17,418 90,390 86,008 22,504 Commercial: Commercial real estate 4,872 4,416 438 4,905 4,474 1,108 Commercial business 6,754 6,751 1,562 12,317 9,192 3,663 Total commercial 11,626 11,167 2,000 17,222 13,666 4,771 Leasing and equipment finance 28,277 28,277 4,844 15,763 15,763 1,856 Inventory finance 294 295 123 7,364 7,371 835 Auto finance 1,104 867 155 917 646 81 Other 1 1 — 2 1 — Total impaired loans and leases with an allowance recorded 140,405 134,877 24,540 131,658 123,455 30,047 Impaired loans and leases without an allowance recorded: Consumer real estate: First mortgage lien 21,298 18,872 — 11,829 9,586 — Junior lien 12,672 2,011 — 10,427 1,337 — Total consumer real estate 33,970 20,883 — 22,256 10,923 — Commercial: Commercial real estate 20,783 20,685 — 4,275 4,208 — Commercial business 1,189 181 — 1,328 1,325 — Total commercial 21,972 20,866 — 5,603 5,533 — Inventory finance 672 674 — 911 912 — Auto finance 17,859 12,751 — 15,071 10,770 — Other 395 — — 329 — — Total impaired loans and leases without an allowance recorded 74,868 55,174 — 44,170 28,138 — Total impaired loans and leases $ 215,273 $ 190,051 $ 24,540 $ 175,828 $ 151,593 $ 30,047
Average Balance of Impaired Loans and Leases and Interest Income Recognized on Impaired Loans and Leases	The average balance of impaired loans and leases and interest income recognized on impaired loans and leases for the first quarter of 2019 and the average loan balance of impaired loans and interest income recognized on impaired loans for the first quarter of 2018 were as follows: Quarter Ended March 31, 2019 2018 (In thousands) Average Loan and Lease Balance Interest Income Recognized Average Loan Balance Interest Income Recognized Impaired loans and leases with an allowance recorded: Consumer real estate: First mortgage lien $ 63,552 $ 476 $ 80,245 $ 654 Junior lien 26,587 236 29,372 305 Total consumer real estate 90,139 712 109,617 959 Commercial: Commercial real estate 4,445 17 6,631 — Commercial business 7,972 — 7,552 86 Total commercial 12,417 17 14,183 86 Leasing and equipment finance 22,020 44 16,826 6 Inventory finance 3,833 6 1,243 23 Auto finance 756 — 873 — Other 1 — 4 — Total impaired loans and leases with an allowance recorded 129,166 779 142,746 1,074 Impaired loans and leases without an allowance recorded: Consumer real estate: First mortgage lien 14,229 307 10,421 183 Junior lien 1,674 51 1,572 55 Total consumer real estate 15,903 358 11,993 238 Commercial: Commercial real estate 12,447 272 4,457 58 Commercial business 752 — — — Total commercial 13,199 272 4,457 58 Inventory finance 793 55 2,625 57 Auto finance 11,761 91 7,957 69 Total impaired loans and leases without an allowance recorded 41,656 776 27,032 422 Total impaired loans and leases $ 170,822 $ 1,555 $ 169,778 $ 1,496
Schedule of Other Real Estate Owned and Repossessed and Returned Assets	Other real estate owned and repossessed and returned assets were as follows: (In thousands) At March 31, 2019 At December 31, 2018 Other real estate owned $ 18,361 $ 17,403 Repossessed and returned assets 15,645 14,574 Consumer real estate loans in process of foreclosure 15,594 15,540

Operating Lease Right-of-Use _2

Operating Lease Right-of-Use Assets and Liabilities (Tables)	3 Months Ended
	Mar. 31, 2019
Leases [Abstract]
Schedule of Undiscounted Future Minimum Leases Payments and a Reconciliation to the Amount Recorded as Operating Leases	Undiscounted future minimum operating lease payments and a reconciliation to the amount recorded as operating lease liabilities at March 31, 2019 were as follows: (In thousands) 2019 $ 21,854 2020 24,765 2021 16,432 2022 12,156 2023 10,505 Thereafter 31,648 Total undiscounted future minimum operating lease payments 117,360 Discount (10,833 ) Total operating lease liabilities $ 106,527
Components of Total Lease Cost for Operating Leases	The components of total lease cost for operating leases, included in occupancy and equipment non-interest expense, were as follows: Quarter Ended (In thousands) March 31, 2019 Lease expense $ 8,899 Short-term and variable lease cost 45 Sublease income (407 ) Total lease cost for operating leases $ 8,537 At March 31, 2019 Weighted-average discount rate 2.86 % Weighted-average remaining lease term (years) 6.3

Regulatory Capital Requiremen_2

Regulatory Capital Requirements (Tables)	3 Months Ended
	Mar. 31, 2019
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 (Dollars in thousands) 2019 2018 2019 2018 Regulatory Capital: Common equity Tier 1 capital $ 2,266,244 $ 2,224,183 $ 2,347,092 $ 2,282,013 Tier 1 capital 2,459,132 2,408,393 2,376,544 2,300,472 Total capital 2,792,419 2,750,581 2,742,456 2,675,347 Regulatory Capital Ratios: Common equity Tier 1 capital ratio 10.79 % 10.82 % 11.18 % 11.10 % 6.50 % 7.00 % Tier 1 risk-based capital ratio 11.71 11.72 11.32 11.19 8.00 8.50 Total risk-based capital ratio 13.30 13.38 13.06 13.01 10.00 10.50 Tier 1 leverage ratio 10.26 10.44 9.92 9.97 5.00 4.00

Stock Compensation (Tables)

Stock Compensation (Tables)	3 Months Ended
	Mar. 31, 2019
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
Restricted Stock Award Transactions	TCF's restricted stock award transactions under the TCF Financial 2015 Omnibus Incentive Plan (the "Omnibus Incentive Plan") and the TCF Financial Incentive Stock Program were as follows: Shares Weighted-average Grant Date Fair Value Outstanding at December 31, 2018 2,289,446 $ 16.70 Granted 142,085 21.18 Forfeited/canceled (120,003 ) 17.60 Vested (314,802 ) 19.28 Outstanding at March 31, 2019 1,996,726 16.56

Employee Benefit Plans (Tables)

Employee Benefit Plans (Tables)	3 Months Ended
	Mar. 31, 2019
Retirement Benefits [Abstract]
Schedule of Net Periodic Benefit Cost Included in Non-interest Expense for the TCF Cash Balance Pension Plan and Postretirement Plan	The net periodic benefit plan (income) cost included in other non-interest expense for the TCF Cash Balance Pension Plan (the "Pension Plan") and the Postretirement Plan were as follows: Pension Plan Quarter Ended March 31, (In thousands) 2019 2018 Interest cost $ 264 $ 246 Return on plan assets (137 ) (132 ) Net periodic benefit plan (income) cost $ 127 $ 114 Postretirement Plan Quarter Ended March 31, (In thousands) 2019 2018 Interest cost $ 30 $ 28 Amortization of prior service cost (12 ) (12 ) Net periodic benefit plan (income) cost $ 18 $ 16

Derivative Instruments (Tables)

Derivative Instruments (Tables)	3 Months Ended
	Mar. 31, 2019
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Schedule of Derivative Instruments	Derivative instruments, recognized at fair value within other assets or accrued expenses and other liabilities on the Consolidated Statements of Financial Condition, were as follows: At March 31, 2019 Fair Value (In thousands) Notional Amount Derivative Assets Derivative Liabilities Derivatives designated as hedging instruments: Interest rate contracts $ 150,000 $ — $ 333 Forward foreign exchange contracts 163,828 — 815 Total derivatives designated as hedging instruments — 1,148 Derivatives not designated as hedging instruments: Interest rate contracts 1,269,616 15,480 1,091 Forward foreign exchange contracts 241,060 286 513 Interest rate lock commitments 51,407 1,130 13 Other contracts 13,020 — 510 Total derivatives not designated as hedging instruments 16,896 2,127 Total derivatives before netting 16,896 3,275 Netting (1) (655 ) (1,093 ) Total derivatives, net $ 16,241 $ 2,182 At December 31, 2018 Fair Value (In thousands) Notional Amount Derivative Assets Derivative Liabilities Derivatives designated as hedging instruments: Interest rate contracts $ 150,000 $ 393 $ — Forward foreign exchange contracts 157,271 2,980 — Total derivatives designated as hedging instruments 3,373 — Derivatives not designated as hedging instruments: Interest rate contracts 1,095,449 7,516 3,732 Forward foreign exchange contracts 254,274 3,709 13 Interest rate lock commitments 28,007 652 28 Other contracts 13,020 — 583 Total derivatives not designated as hedging instruments 11,877 4,356 Total derivatives before netting 15,250 4,356 Netting (1) (6,982 ) (991 ) Total derivatives, net $ 8,268 $ 3,365 (1) Includes balance sheet netting of derivative asset and derivative liability balances, related cash collateral and portfolio level counterparty valuation adjustments.
Schedule of Gross Amounts Recognized, Gross Amounts Offset and Net Amount Presented	The gross amounts recognized, gross amounts offset and net amount presented of derivative instruments were as follows: At March 31, 2019 (In thousands) Gross Amounts Recognized Gross Amounts Offset (1) Net Amount Presented Derivative assets: Interest rate contracts $ 15,480 $ (369 ) $ 15,111 Forward foreign exchange contracts 286 (286 ) — Interest rate lock commitments 1,130 — 1,130 Total derivative assets $ 16,896 $ (655 ) $ 16,241 Derivative liabilities: Interest rate contracts $ 1,424 $ (340 ) $ 1,084 Forward foreign exchange contracts 1,328 (243 ) 1,085 Interest rate lock commitments 13 — 13 Other contracts 510 (510 ) — Total derivative liabilities $ 3,275 $ (1,093 ) $ 2,182 At December 31, 2018 (In thousands) Gross Amounts Recognized Gross Amounts Offset (1) Net Amount Presented Derivative assets: Interest rate contracts $ 7,909 $ (395 ) $ 7,514 Forward foreign exchange contracts 6,689 (6,587 ) 102 Interest rate lock commitments 652 — 652 Total derivative assets $ 15,250 $ (6,982 ) $ 8,268 Derivative liabilities: Interest rate contracts $ 3,732 $ (395 ) $ 3,337 Forward foreign exchange contracts 13 (13 ) — Interest rate lock commitments 28 — 28 Other contracts 583 (583 ) — Total derivative liabilities $ 4,356 $ (991 ) $ 3,365 (1)
Amounts Recorded in the Consolidated Statements of Financial Condition Related to the Cumulative Basis Adjustment for the Fair Value Hedge	The carrying amount of the hedged subordinated debt, including the cumulative basis adjustment related to the application of fair value hedge accounting, is recorded in long-term borrowings on the Consolidated Statements of Financial Condition and was as follows: Carrying Amount of the Hedged Liability Cumulative Amount of Fair Value Hedging Adjustments Included in the Carrying Amount of the Hedged Liability (In thousands) At March 31, 2019 At December 31, 2018 At March 31, 2019 At December 31, 2018 Subordinated bank note - 2025 $ 146,960 $ 144,296 $ (1,555 ) $ (4,165 )
Summary of Gains and Losses Related to the Fair Value Hedge of the Interest Rate Swap and the Offsetting Changes in the Fair Value of the Hedged Debt	The gain (loss) related to the fair value hedge and the line within the Consolidated Statements of Income where the gain (loss) was recorded were as follows: Quarter Ended March 31, (In thousands) 2019 2018 Gain (loss) of fair value hedge: Hedged item $ (2,610 ) $ 3,806 Derivative designated as a hedging instrument 2,562 (3,858 ) Income statement line where the gain (loss) on the fair value hedge was recorded: Interest expense - borrowings $ 14,858 $ 9,553
Effect of Net Investment Hedges on Accumulated Other Comprehensive Income	The effect of net investment hedges on accumulated other comprehensive income was as follows: Quarter Ended March 31, (In thousands) 2019 2018 Forward foreign exchange contracts $ (3,050 ) $ 2,137
Summary of Effects of Derivatives not Designated as Hedging Instruments on the Consolidated Statements of Income	Certain other interest rate contracts, forward foreign exchange contracts, interest rate lock commitments and other contracts have not been designated as hedging instruments. The effect of these derivatives on the Consolidated Statements of Income was as follows: Quarter Ended March 31, (In thousands) Location of Gain (Loss) 2019 2018 Interest rate contracts Other non-interest income $ (808 ) $ 99 Forward foreign exchange contracts Other non-interest expense (4,779 ) 8,944 Interest rate lock commitments Gains on sales of loans, net 493 624 Net gain (loss) recognized $ (5,094 ) $ 9,667

Fair Values Disclosures (Tables

Fair Values Disclosures (Tables)	3 Months Ended
	Mar. 31, 2019
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: At March 31, 2019 (In thousands) Level 1 Level 2 Level 3 Total Recurring fair value measurements through net income: Assets: Loans held for sale $ — $ — $ 9,863 $ 9,863 Interest rate contracts (1) — 15,480 — 15,480 Forward foreign exchange contracts (1) — 286 — 286 Interest rate lock commitments (1) — — 1,130 1,130 Forward loan sales commitments — — 109 109 Assets held in trust for deferred compensation plans 36,188 — — 36,188 Total assets $ 36,188 $ 15,766 $ 11,102 $ 63,056 Liabilities: Interest rate contracts (1) $ — $ 1,424 $ — $ 1,424 Forward foreign exchange contracts (1) — 513 — 513 Interest rate lock commitments (1) — — 13 13 Other contracts (1) — — 510 510 Forward loan sales commitments — — 227 227 Liabilities held in trust for deferred compensation plans 36,188 — — 36,188 Total liabilities $ 36,188 $ 1,937 $ 750 $ 38,875 Recurring fair value measurements through other comprehensive income: Assets: Debt securities available for sale: Mortgage-backed securities: U.S. Government sponsored enterprises and federal agencies $ — $ 2,584,511 $ — $ 2,584,511 Other — — 4 4 Obligations of states and political subdivisions — 360,827 — 360,827 Interest-only strips — — 16,163 16,163 Total assets $ — $ 2,945,338 $ 16,167 $ 2,961,505 Liabilities: Forward foreign exchange contracts (1) $ — $ 815 $ — $ 815 Total liabilities $ — $ 815 $ — $ 815 Non-recurring fair value measurements: Loans and leases $ — $ — $ 69,691 $ 69,691 Other real estate owned — — 11,570 11,570 Repossessed and returned assets — 6,496 4,536 11,032 Total non-recurring fair value measurements $ — $ 6,496 $ 85,797 $ 92,293 (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. At December 31, 2018 (In thousands) Level 1 Level 2 Level 3 Total Recurring fair value measurements through net income: Assets: Loans held for sale $ — $ — $ 18,070 $ 18,070 Interest rate contracts (1) — 7,909 — 7,909 Forward foreign exchange contracts (1) — 3,709 — 3,709 Interest rate lock commitments (1) — — 652 652 Forward loan sales commitments — — 152 152 Assets held in trust for deferred compensation plans 33,217 — — 33,217 Total assets $ 33,217 $ 11,618 $ 18,874 $ 63,709 Liabilities: Interest rate contracts (1) $ — $ 3,732 $ — $ 3,732 Forward foreign exchange contracts (1) — 13 — 13 Interest rate lock commitments (1) — — 28 28 Other contracts (1) — — 583 583 Forward loan sales commitments — — 178 178 Liabilities held in trust for deferred compensation plans 33,217 — — 33,217 Total liabilities $ 33,217 $ 3,745 $ 789 $ 37,751 Recurring fair value measurements through other comprehensive income: Assets: Debt securities available for sale: Mortgage-backed securities: U.S. Government sponsored enterprises and federal agencies $ — $ 1,913,190 $ — $ 1,913,190 Other — — 4 4 Obligations of states and political subdivisions — 556,871 — 556,871 Interest-only strips — — 16,835 16,835 Forward foreign exchange contracts (1) — 2,980 — 2,980 Total assets $ — $ 2,473,041 $ 16,839 $ 2,489,880 Non-recurring fair value measurements: Loans $ — $ — $ 57,663 $ 57,663 Other real estate owned — — 9,397 9,397 Repossessed and returned assets — 4,358 5,165 9,523 Total non-recurring fair value measurements $ — $ 4,358 $ 72,225 $ 76,583 (1)
Schedule of Changes in Level 3 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) Debt Securities Loans Interest-only Strips Interest Other Contracts Forward At or For the Quarter Ended March 31, 2019: Asset (liability) balance, beginning of period $ 4 $ 18,070 $ 16,835 $ 624 $ (583 ) $ (26 ) Total net gains (losses) included in: Net income — (166 ) 712 493 — (92 ) Other comprehensive income (loss) — — 286 — — — Sales — (73,438 ) — — — — Originations — 65,400 844 — — — Principal paydowns / settlements — (3 ) (2,514 ) — 73 — Asset (liability) balance, end of period $ 4 $ 9,863 $ 16,163 $ 1,117 $ (510 ) $ (118 ) At or For the Quarter Ended March 31, 2018: Asset (liability) balance, beginning of period $ 6 $ 3,356 $ 21,386 $ 223 $ (615 ) $ 63 Total net gains (losses) included in: Net income — 97 331 335 — 81 Other comprehensive income (loss) — — 777 — — — Sales — (59,747 ) — — — — Originations — 65,355 3,299 — — — Principal paydowns / settlements (1 ) (3 ) (3,942 ) — 77 — Asset (liability) balance, end of period $ 5 $ 9,058 $ 21,851 $ 558 $ (538 ) $ 144
Schedule of Differences Between the Aggregate Fair Value and Aggregate Unpaid Principal Balance on Loans Held for Sale	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, 2019 At December 31, 2018 Fair value carrying amount $ 9,863 $ 18,070 Aggregate unpaid principal amount 9,520 17,517 Fair value carrying amount less aggregate unpaid principal $ 343 $ 553
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 Consolidated Statements of Financial Condition 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. At March 31, 2019 Carrying Estimated Fair Value (In thousands) Amount Level 1 Level 2 Level 3 Total Financial instrument assets: Investments $ 103,644 $ — $ 103,644 $ — $ 103,644 Debt securities held to maturity 148,024 — 147,610 3,621 151,231 Loans held for sale 53,905 — — 55,919 55,919 Loans: Consumer real estate 5,353,557 — — 5,434,461 5,434,461 Commercial real estate 2,965,642 — — 2,920,368 2,920,368 Commercial business 918,464 — — 885,178 885,178 Equipment finance 2,122,965 — — 2,093,552 2,093,552 Inventory finance 3,749,146 — — 3,731,535 3,731,535 Auto finance 1,704,614 — — 1,668,084 1,668,084 Other 17,943 — — 15,826 15,826 Allowance for loan losses (1) (147,972 ) — — — — Securitization receivable (2) 19,496 — — 19,134 19,134 Total financial instrument assets $ 17,009,428 $ — $ 251,254 $ 16,827,678 $ 17,078,932 Financial instrument liabilities: Deposits $ 19,024,111 $ 14,532,113 $ 4,525,854 $ — $ 19,057,967 Long-term borrowings 1,411,426 — 1,418,024 — 1,418,024 Total financial instrument liabilities $ 20,435,537 $ 14,532,113 $ 5,943,878 $ — $ 20,475,991 Financial instruments with off-balance sheet risk: (3) Commitments to extend credit $ 18,525 $ — $ 18,525 $ — $ 18,525 Standby letters of credit (61 ) — (61 ) — (61 ) Total financial instruments with off-balance sheet risk $ 18,464 $ — $ 18,464 $ — $ 18,464 (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. At December 31, 2018 Carrying Estimated Fair Value (In thousands) Amount Level 1 Level 2 Level 3 Total Financial instrument assets: Investments $ 91,654 $ — $ 91,654 $ — $ 91,654 Debt securities held to maturity 148,852 — 146,467 2,800 149,267 Loans held for sale 72,594 — — 74,078 74,078 Loans: Consumer real estate 5,410,340 — — 5,461,209 5,461,209 Commercial real estate 2,908,147 — — 2,872,829 2,872,829 Commercial business 943,156 — — 890,828 890,828 Equipment finance 2,169,577 — — 2,131,147 2,131,147 Inventory finance 3,107,356 — — 3,091,593 3,091,593 Auto finance 1,982,277 — — 1,935,017 1,935,017 Other 21,295 — — 16,928 16,928 Allowance for loan losses (1) (157,446 ) — — — — Securitization receivable (2) 19,432 — — 19,025 19,025 Total financial instrument assets $ 16,717,234 $ — $ 238,121 $ 16,495,454 $ 16,733,575 Financial instrument liabilities: Deposits $ 18,903,686 $ 14,113,006 $ 4,820,442 $ — $ 18,933,448 Long-term borrowings 1,449,472 — 1,451,550 — 1,451,550 Total financial instrument liabilities $ 20,353,158 $ 14,113,006 $ 6,271,992 $ — $ 20,384,998 Financial instruments with off-balance sheet risk: (3) Commitments to extend credit $ 18,555 $ — $ 18,555 $ — $ 18,555 Standby letters of credit (77 ) — (77 ) — (77 ) Total financial instruments with off-balance sheet risk $ 18,478 $ — $ 18,478 $ — $ 18,478 (1) Expected credit losses are included in the estimated fair values. (2) Carrying amounts are included in other assets. (3)

Earnings Per Common Share (Tabl

Earnings Per Common Share (Tables)	3 Months Ended
	Mar. 31, 2019
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: Quarter Ended March 31, (Dollars in thousands, except per share data) 2019 2018 Basic earnings per common share: Net income attributable to TCF Financial Corporation $ 70,494 $ 73,761 Preferred stock dividends 2,493 4,106 Impact of preferred stock redemption (1) — 3,481 Net income available to common stockholders 68,001 66,174 Less: Earnings allocated to participating securities 13 9 Earnings allocated to common stock $ 67,988 $ 66,165 Weighted-average common shares outstanding used in basic earnings per common share calculation 161,865,270 168,507,448 Basic earnings per common share $ 0.42 $ 0.39 Diluted earnings per common share: Earnings allocated to common stock $ 67,988 $ 66,165 Weighted-average common shares outstanding used in basic earnings per common share calculation 161,865,270 168,507,448 Net dilutive effect of: Non-participating restricted stock 562,553 721,353 Stock options — 8,278 Warrants — 760,067 Weighted-average common shares outstanding used in diluted earnings per common share calculation 162,427,823 169,997,146 Diluted earnings per common share $ 0.42 $ 0.39 (1)

Other Non-interest Expense (Tab

Other Non-interest Expense (Tables)	3 Months Ended
	Mar. 31, 2019
Other Income and Expenses [Abstract]
Other Non-interest Expense	Other non-interest expense was as follows: Quarter Ended March 31, (In thousands) 2019 2018 Advertising and marketing $ 6,855 $ 7,297 Professional fees 5,528 5,321 Outside processing 5,474 5,236 Card processing and issuance costs 4,508 4,457 FDIC insurance 2,918 4,070 Other 31,154 33,055 Total other non-interest expense $ 56,437 $ 59,436

Business Segments (Tables)

Business Segments (Tables)	3 Months Ended
	Mar. 31, 2019
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: At or For the Quarter Ended March 31, 2019 (In thousands) Consumer Banking Wholesale Banking Enterprise Services Consolidated Interest income: Loans and leases $ 105,759 $ 174,845 $ (1,010 ) $ 279,594 Debt securities available for sale — — 18,815 18,815 Debt securities held to maturity — 22 513 535 Loans held for sale and other 1,669 142 2,490 4,301 Funds transfer pricing - credits 113,733 10,952 (124,685 ) — Total interest income 221,161 185,961 (103,877 ) 303,245 Interest expense: Deposits 26,607 4,143 6,730 37,480 Borrowings 7,933 26,236 (19,311 ) 14,858 Funds transfer pricing - charges 48,614 59,724 (108,338 ) — Total interest expense 83,154 90,103 (120,919 ) 52,338 Net interest income (expense) 138,007 95,858 17,042 250,907 Provision for credit losses 7,294 2,828 — 10,122 Net interest income (expense) after provision for credit losses 130,713 93,030 17,042 240,785 Non-interest income: Leasing and equipment finance — 41,139 — 41,139 Fees and service charges 27,794 3,530 — 31,324 Card revenue 14,226 17 — 14,243 ATM revenue 4,439 1 — 4,440 Gains on sales of loans, net 7,972 — — 7,972 Servicing fee income 4,824 286 — 5,110 Gains (losses) on debt securities, net — 4 447 451 Other 2,593 (301 ) 55 2,347 Total non-interest income 61,848 44,676 502 107,026 Non-interest expense: Compensation and employee benefits 51,778 27,690 42,089 121,557 Occupancy and equipment 26,418 4,927 10,392 41,737 Lease financing equipment depreciation — 19,256 — 19,256 Foreclosed real estate and repossessed assets, net 3,744 886 — 4,630 Merger-related expenses — — 9,458 9,458 Other 73,845 31,390 (48,798 ) 56,437 Total non-interest expense 155,785 84,149 13,141 253,075 Income (loss) before income tax expense (benefit) 36,776 53,557 4,403 94,736 Income tax expense (benefit) 8,562 11,938 787 21,287 Income (loss) after income tax expense (benefit) 28,214 41,619 3,616 73,449 Income attributable to non-controlling interest — 2,955 — 2,955 Preferred stock dividends — — 2,493 2,493 Net income (loss) available to common stockholders $ 28,214 $ 38,664 $ 1,123 $ 68,001 Revenues from external customers: Interest income $ 107,428 $ 173,999 $ 21,818 $ 303,245 Non-interest income 61,848 44,676 502 107,026 Total $ 169,276 $ 218,675 $ 22,320 $ 410,271 Total assets $ 7,896,858 $ 12,875,586 $ 3,646,271 $ 24,418,715 At or For the Quarter Ended March 31, 2018 (In thousands) Consumer Banking Wholesale Banking Enterprise Services Consolidated Interest income: Loans and leases $ 109,760 $ 151,525 $ (910 ) $ 260,375 Debt securities available for sale — — 10,123 10,123 Debt securities held to maturity — 23 996 1,019 Loans held for sale and other 2,057 21 1,667 3,745 Funds transfer pricing - credits 96,582 7,748 (104,330 ) — Total interest income 208,399 159,317 (92,454 ) 275,262 Interest expense: Deposits 17,855 1,434 3,221 22,510 Borrowings 12,407 17,398 (20,252 ) 9,553 Funds transfer pricing - charges 38,229 44,885 (83,114 ) — Total interest expense 68,491 63,717 (100,145 ) 32,063 Net interest income (expense) 139,908 95,600 7,691 243,199 Provision for credit losses 8,889 2,479 — 11,368 Net interest income (expense) after provision for credit losses 131,019 93,121 7,691 231,831 Non-interest income: Leasing and equipment finance — 41,847 — 41,847 Fees and service charges 28,597 2,154 — 30,751 Card revenue 13,750 9 — 13,759 ATM revenue 4,649 1 — 4,650 Gains on sales of loans, net 9,123 — — 9,123 Servicing fee income 7,926 369 — 8,295 Gains (losses) on debt securities, net — 63 — 63 Other 3,065 607 44 3,716 Total non-interest income 67,110 45,050 44 112,204 Non-interest expense: Compensation and employee benefits 55,230 24,288 44,322 123,840 Occupancy and equipment 25,868 4,907 9,739 40,514 Lease financing equipment depreciation — 17,274 — 17,274 Foreclosed real estate and repossessed assets, net 4,259 650 7 4,916 Other 76,109 29,253 (45,926 ) 59,436 Total non-interest expense 161,466 76,372 8,142 245,980 Income (loss) before income tax expense (benefit) 36,663 61,799 (407 ) 98,055 Income tax expense (benefit) 8,823 13,877 (1,069 ) 21,631 Income (loss) after income tax expense (benefit) 27,840 47,922 662 76,424 Income attributable to non-controlling interest — 2,663 — 2,663 Preferred stock dividends — — 4,106 4,106 Impact of preferred stock redemption — — 3,481 3,481 Net income (loss) available to common stockholders $ 27,840 $ 45,259 $ (6,925 ) $ 66,174 Revenues from external customers: Interest income $ 111,817 $ 150,659 $ 12,786 $ 275,262 Non-interest income 67,110 45,050 44 112,204 Total $ 178,927 $ 195,709 $ 12,830 $ 387,466 Total assets $ 8,325,213 $ 12,293,798 $ 2,766,041 $ 23,385,052

Accumulated Other Comprehensi_2

Accumulated Other Comprehensive Income (Loss) (Tables)	3 Months Ended
	Mar. 31, 2019
Comprehensive Income (Loss), Net of Tax, Attributable to Parent [Abstract]
Summary of Components of Other Comprehensive Income (Loss), Reclassifications from Accumulated Cther Comprehensive Income (Loss) to Various Financial Statement Line Items and the Related Tax Effects	The components of other comprehensive income (loss), reclassifications from accumulated other comprehensive income (loss) to various financial statement line items and the related tax effects were as follows : Quarter Ended March 31, 2019 2018 (In thousands) Before Tax Tax Effect Net of Tax Before Tax Tax Effect Net of Tax Net unrealized gains (losses) on debt securities available for sale and interest-only strips: Net unrealized gains (losses) arising during the period $ 48,628 $ (11,836 ) $ 36,792 $ (37,892 ) $ 9,538 $ (28,354 ) Reclassification of net (gains) losses from accumulated other comprehensive income (loss) to: Total interest income 1,370 (333 ) 1,037 276 (69 ) 207 Gains (losses) on debt securities, net (447 ) 109 (338 ) — — — Other non-interest expense (162 ) 39 (123 ) 437 (109 ) 328 Amounts reclassified from accumulated other comprehensive income (loss) 761 (185 ) 576 713 (178 ) 535 Net unrealized gains (losses) on debt securities available for sale and interest-only strips 49,389 (12,021 ) 37,368 (37,179 ) 9,360 (27,819 ) Net unrealized gains (losses) on net investment hedges (3,050 ) 742 (2,308 ) 2,137 (533 ) 1,604 Foreign currency translation adjustment (1) 3,567 — 3,567 (2,110 ) — (2,110 ) Recognized postretirement prior service cost: Reclassification of amortization of prior service cost to Other non-interest expense (12 ) 4 (8 ) (12 ) 3 (9 ) Total other comprehensive income (loss) $ 49,894 $ (11,275 ) $ 38,619 $ (37,164 ) $ 8,830 $ (28,334 ) (1)
Schedule of Components of Accumulated Other Comprehensive Income (Loss)	The components of accumulated other comprehensive income (loss) were as follows: (In thousands) Net Unrealized Gains (Losses) on Debt Securities Available for Sale and Interest-only Strips Net Unrealized Gains (Losses) on Net Investment Hedges Foreign Currency Translation Adjustment Recognized Postretirement Prior Service Cost Total At or For the Quarter Ended March 31, 2019: Balance, beginning of period $ (28,022 ) $ 14,986 $ (20,211 ) $ 109 $ (33,138 ) Other comprehensive income (loss) 36,792 (2,308 ) 3,567 — 38,051 Amounts reclassified from accumulated other comprehensive income (loss) 576 — — (8 ) 568 Net other comprehensive income (loss) 37,368 (2,308 ) 3,567 (8 ) 38,619 Balance, end of period $ 9,346 $ 12,678 $ (16,644 ) $ 101 $ 5,481 At or For the Quarter Ended March 31, 2018: Balance, beginning of period $ (16,353 ) $ 4,536 $ (6,843 ) $ 143 $ (18,517 ) Other comprehensive income (loss) (28,354 ) 1,604 (2,110 ) — (28,860 ) Amounts reclassified from accumulated other comprehensive income (loss) 535 — — (9 ) 526 Net other comprehensive income (loss) (27,819 ) 1,604 (2,110 ) (9 ) (28,334 ) Balance, end of period $ (44,172 ) $ 6,140 $ (8,953 ) $ 134 $ (46,851 )

Pending Merger with Chemical _2

Pending Merger with Chemical Financial Corporation - Pending Merger with Chemical Financial Corporation (Details) - USD ($) $ in Billions	Jan. 27, 2019	Mar. 31, 2019	Mar. 31, 2018
Chemical Common Stock
Pending Merger with Chemical Financial Corporation
Share conversion ratio	0.5081
Series C Preferred Stock
Pending Merger with Chemical Financial Corporation
Annual rate of dividend (as a percent)	5.70%	5.70%	5.70%
New Chemical Preferred Stock
Pending Merger with Chemical Financial Corporation
Share conversion ratio	1
Chemical Financial Corporation
Pending Merger with Chemical Financial Corporation
Assets of Chemical Financial Corporation		$ 21.8
Approximate ownership percentage of the combined company	46.00%
TCF Financial Corporation
Pending Merger with Chemical Financial Corporation
Approximate ownership percentage of the combined company	54.00%

Summary of Significant Accoun_3

Summary of Significant Accounting Policies - Summary of Significant Accounting Policies (Details) - USD ($) $ in Thousands	Mar. 31, 2019	Jan. 01, 2019
Change in Accounting Principle
Right-of-use assets recorded upon adoption of ASU 2016-02	$ 86,200
Lease liabilities recorded upon adoption of ASU 2016-02	$ 106,527
Accounting Standards Update 2016-02
Change in Accounting Principle
Right-of-use assets recorded upon adoption of ASU 2016-02		$ 91,900
Lease liabilities recorded upon adoption of ASU 2016-02		$ 112,800

Cash and Due from Banks - Cash

Cash and Due from Banks - Cash and Due from Banks (Details) - USD ($) $ in Millions	Mar. 31, 2019	Dec. 31, 2018
Cash and Cash Equivalents [Abstract]
Reserve in cash on hand or at the Federal Reserve as required by Federal Reserve regulations	$ 117.4	$ 106.2
Total restricted cash balance	34.1	38.3
Cash held in interest-bearing accounts	$ 180.2	$ 307.8

Debt Securities Available for_3

Debt Securities Available for Sale and Debt Securities Held to Maturity - Debt Securities Available for Sale and Debt Securities Held to Maturity (Details) - USD ($)	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018	Dec. 31, 2018
Debt securities available for sale:
Amortized Cost	$ 2,924,548,000		$ 2,497,004,000
Gross Unrealized Gains	34,517,000		9,268,000
Gross Unrealized Losses	13,723,000		36,207,000
Fair Value	2,945,342,000		2,470,065,000
Net gains (losses) on debt securities	451,000	$ 63,000
Debt securities available for sale sold during the period	205,400,000	0
Net gains on sales of debt securities available for sale	447,000
Impairment charges on debt securities available for sale	0	0
Debt securities held to maturity:
Amortized Cost	148,024,000		148,852,000
Gross Unrealized Gains	3,755,000		1,460,000
Gross Unrealized Losses	548,000		1,045,000
Fair Value	151,231,000		149,267,000
Impairment charges on debt securities available for sale	0	$ 0
Mortgage-backed securities: | Collateral pledged
Debt securities available for sale:
Debt securities available for sale pledged as collateral	1,500,000		1,600,000
Mortgage-backed securities, U.S. Government sponsored enterprises and federal agencies
Debt securities available for sale:
Amortized Cost	2,566,426,000		1,930,696,000
Gross Unrealized Gains	31,187,000		9,222,000
Gross Unrealized Losses	13,102,000		26,728,000
Fair Value	2,584,511,000		1,913,190,000
Debt securities held to maturity:
Amortized Cost	144,403,000		146,052,000
Gross Unrealized Gains	3,755,000		1,460,000
Gross Unrealized Losses	548,000		1,045,000
Fair Value	147,610,000		146,467,000
Mortgage-backed securities, Other
Debt securities available for sale:
Amortized Cost	4,000		4,000
Gross Unrealized Gains	0		0
Gross Unrealized Losses	0		0
Fair Value	4,000		4,000
Obligations of states and political subdivisions
Debt securities available for sale:
Amortized Cost	358,118,000		566,304,000
Gross Unrealized Gains	3,330,000		46,000
Gross Unrealized Losses	621,000		9,479,000
Fair Value	360,827,000		556,871,000
Other securities
Debt securities held to maturity:
Amortized Cost	3,621,000		2,800,000
Gross Unrealized Gains	0		0
Gross Unrealized Losses	0		0
Fair Value	$ 3,621,000		$ 2,800,000

Debt Securities Available for_4

Debt Securities Available for Sale and Debt Securities Held to Maturity - Gross Unrealized Losses and Fair Value of Debt Securities Available for Sale and Debt Securities Held to Maturity (Details) - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018
Gross unrealized losses and fair value of debt securities available for sale that are in a loss position
Less than 12 months, Fair Value	$ 4,943	$ 106,329
Less than 12 months, Unrealized Losses	4	184
12 months or more, Fair Value	825,571	1,365,299
12 months or more, Unrealized Losses	13,719	36,023
Total, Fair Value	830,514	1,471,628
Total, Unrealized Losses	13,723	36,207
Gross unrealized losses and fair value of debt securities held to maturity that are in a loss position
Less than 12 months, Fair Value	107	3,074
Less than 12 months, Unrealized Losses	3	14
12 months or more, Fair Value	26,871	31,738
12 months or more, Unrealized Losses	545	1,031
Total, Fair Value	26,978	34,812
Total, Unrealized Losses	548	1,045
Mortgage-backed securities, U.S. Government sponsored enterprises and federal agencies
Gross unrealized losses and fair value of debt securities available for sale that are in a loss position
Less than 12 months, Fair Value	4,943	102,709
Less than 12 months, Unrealized Losses	4	184
12 months or more, Fair Value	748,535	838,482
12 months or more, Unrealized Losses	13,098	26,544
Total, Fair Value	753,478	941,191
Total, Unrealized Losses	13,102	26,728
Gross unrealized losses and fair value of debt securities held to maturity that are in a loss position
Less than 12 months, Fair Value	107	3,074
Less than 12 months, Unrealized Losses	3	14
12 months or more, Fair Value	26,871	31,738
12 months or more, Unrealized Losses	545	1,031
Total, Fair Value	26,978	34,812
Total, Unrealized Losses	548	1,045
Obligations of states and political subdivisions
Gross unrealized losses and fair value of debt securities available for sale that are in a loss position
Less than 12 months, Fair Value	0	3,620
Less than 12 months, Unrealized Losses	0	0
12 months or more, Fair Value	77,036	526,817
12 months or more, Unrealized Losses	621	9,479
Total, Fair Value	77,036	530,437
Total, Unrealized Losses	$ 621	$ 9,479

Debt Securities Available for_5

Debt Securities Available for Sale and Debt Securities Held to Maturity - Amortized Cost and Fair Value of Debt Securities Available for Sale and Debt Securities Held to Maturity (Details) - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018
Amortized cost
Due in 1-5 years	$ 21,220	$ 24,464
Due in 5-10 years	367,273	509,832
Due after 10 years	2,536,055	1,962,708
Amortized Cost	2,924,548	2,497,004
Fair value
Due in 1-5 years	21,241	24,375
Due in 5-10 years	369,916	503,768
Due after 10 years	2,554,185	1,941,922
Fair Value	2,945,342	2,470,065
Amortized cost
Due in 1-5 years	3,150	2,400
Due in 5-10 years	428	430
Due after 10 years	144,446	146,022
Amortized Cost	148,024	148,852
Fair value
Due in 1-5 years	3,150	2,400
Due in 5-10 years	431	432
Due after 10 years	147,650	146,435
Fair Value	$ 151,231	$ 149,267

Debt Securities Available for_6

Debt Securities Available for Sale and Debt Securities Held to Maturity - Interest Income Attributable to Debt Securities Available for Sale (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Interest Income on Debt Securities Available for Sale by Taxable Status
Total interest income	$ 18,815	$ 10,123
Debt securities available for sale
Interest Income on Debt Securities Available for Sale by Taxable Status
Taxable interest income	16,131	5,813
Tax-exempt interest income	2,684	4,310
Total interest income	$ 18,815	$ 10,123

Loans and Leases - Loan and Lea

Loans and Leases - Loan and Lease Balances (Details) - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018
Loans and Leases Receivable Disclosure
Loans and leases	$ 19,383,675	$ 19,072,311
Loan and lease adjustments	(5,400)	(2,200)
Consumer real estate
Loans and Leases Receivable Disclosure
Loans and leases	5,353,557	5,410,340
Consumer real estate | First mortgage lien
Loans and Leases Receivable Disclosure
Loans and leases	2,480,750	2,444,380
Consumer real estate | Junior lien
Loans and Leases Receivable Disclosure
Loans and leases	2,872,807	2,965,960
Commercial
Loans and Leases Receivable Disclosure
Loans and leases	3,884,106	3,851,303
Commercial | Commercial real estate
Loans and Leases Receivable Disclosure
Loans and leases	2,965,642	2,908,147
Commercial | Permanent
Loans and Leases Receivable Disclosure
Loans and leases	2,564,187	2,510,583
Commercial | Construction and development
Loans and Leases Receivable Disclosure
Loans and leases	401,455	397,564
Commercial | Commercial business
Loans and Leases Receivable Disclosure
Loans and leases	918,464	943,156
Leasing and equipment finance
Loans and Leases Receivable Disclosure
Loans and leases	4,674,309	4,699,740
Inventory finance
Loans and Leases Receivable Disclosure
Loans and leases	3,749,146	3,107,356
Auto finance
Loans and Leases Receivable Disclosure
Loans and leases	1,704,614	1,982,277
Other
Loans and Leases Receivable Disclosure
Loans and leases	$ 17,943	$ 21,295

Loans and Leases - Leasing and

Loans and Leases - Leasing and Equipment Finance Portfolio (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018	Dec. 31, 2018
Lessor, Lease, Description [Line Items]
Balance of direct financing and sales-type leases included in leasing and equipment finance loans and leases	$ 2,551,344		$ 2,500,000
Net Investment in Sales-type and Direct Financing Leases
Carrying amount	2,627,699
Unguaranteed residual assets	139,184
Net direct fees and costs and unearned income	(215,539)
Total net investment in sales-type and direct financing leases	2,551,344		2,500,000
Carrying amount of the direct financing and sales-type leases subject to residual value guarantees	249,700
Components of Total Lease Income
Interest income on net investment in direct financing and sales-type leases	31,284
Lease income from operating lease payments	25,250
Profit (loss) recorded on commencement date on sales-type leases	7,057
Other	8,832
Total leasing and equipment finance non-interest income	41,139	$ 41,847
Total lease income	72,423
Lease financing equipment depreciation on equipment leased to others	56,508	$ 56,606
Net book value of equipment leased to others and related initial direct costs under operating leases	429,711		$ 427,534
Sales-type and Direct Financing Lease Payments Receivable
2019	716,804
2020	736,501
2021	532,046
2022	320,015
2023	165,397
Thereafter	65,227
Equipment under leases not yet commenced	76,469
Total undiscounted future minimum lease payments receivable for sales-type and direct financing leases	2,612,459
Third-party residual value guarantees	15,240
Total carrying amount of sales-type and direct financing leases	2,627,699
Operating Lease Payments Receivable
2019	57,122
2020	61,709
2021	40,610
2022	20,497
2023	7,721
Thereafter	3,783
Total undiscounted future minimum lease payments	191,442
Equipment leased to others under operating leases
Components of Total Lease Income
Lease financing equipment depreciation on equipment leased to others	19,300
Net book value of equipment leased to others and related initial direct costs under operating leases	$ 305,400

Loans and Leases - Loan Sales (

Loans and Leases - Loan Sales (Details) - USD ($)	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018	Dec. 31, 2018
Accounts, Notes, Loans and Financing Receivable
Proceeds from loan sale	$ 80,877,000	$ 69,342,000
Net gains recognized	7,972,000	9,123,000
Consumer real estate
Accounts, Notes, Loans and Financing Receivable
Loans sold during the period	219,100,000	266,300,000
Proceeds from loan sale	227,600,000	272,900,000
Net gains recognized	8,000,000	9,100,000
Interest-only strips retained on consumer loan sales	800,000	$ 3,300,000
Servicing asset	0		$ 0
Servicing liability	$ 0		$ 0

Loans and Leases - Interest-onl

Loans and Leases - Interest-only Strips and Contractual Liabilities Related to Loan Sales (Details) - USD ($)	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018	Dec. 31, 2018
Accounts, Notes, Loans and Financing Receivable
Interest-only strips related to loan sales	$ 16,163,000		$ 16,835,000
Impairment charges on interest-only strips	0	$ 603,000
Consumer real estate
Accounts, Notes, Loans and Financing Receivable
Contractual liabilities related to consumer real estate loan sales	$ 871,000		$ 1,321,000

Allowance for Loan and Lease _3

Allowance for Loan and Lease Losses and Credit Quality Information - Rollfowards of the Allowance for Loan and Lease Losses (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Allowance for loan and lease losses
Balance, beginning of period	$ 157,446	$ 171,041
Charge-offs	(24,431)	(19,865)
Recoveries	5,777	5,714
Net (charge-offs) recoveries	(18,654)	(14,151)
Provision for credit losses	10,122	11,368
Other	(942)	(555)
Balance, end of period	147,972	167,703
Consumer Real Estate
Allowance for loan and lease losses
Balance, beginning of period	44,866	47,168
Charge-offs	(1,548)	(2,154)
Recoveries	1,100	1,037
Net (charge-offs) recoveries	(448)	(1,117)
Provision for credit losses	371	2,104
Other	(969)	(470)
Balance, end of period	43,820	47,685
Commercial
Allowance for loan and lease losses
Balance, beginning of period	41,182	37,195
Charge-offs	(2,100)	0
Recoveries	12	14
Net (charge-offs) recoveries	(2,088)	14
Provision for credit losses	(4,383)	(11)
Other	0	0
Balance, end of period	34,711	37,198
Leasing and Equipment Finance
Allowance for loan and lease losses
Balance, beginning of period	23,791	22,528
Charge-offs	(2,946)	(1,956)
Recoveries	476	616
Net (charge-offs) recoveries	(2,470)	(1,340)
Provision for credit losses	3,524	1,996
Other	(13)	(2)
Balance, end of period	24,832	23,182
Inventory Finance
Allowance for loan and lease losses
Balance, beginning of period	12,456	13,233
Charge-offs	(2,519)	(549)
Recoveries	432	140
Net (charge-offs) recoveries	(2,087)	(409)
Provision for credit losses	3,723	512
Other	40	(83)
Balance, end of period	14,132	13,253
Auto Finance
Allowance for loan and lease losses
Balance, beginning of period	34,329	50,225
Charge-offs	(13,035)	(13,441)
Recoveries	2,853	2,785
Net (charge-offs) recoveries	(10,182)	(10,656)
Provision for credit losses	5,707	6,253
Other	0	0
Balance, end of period	29,854	45,822
Other
Allowance for loan and lease losses
Balance, beginning of period	822	692
Charge-offs	(2,283)	(1,765)
Recoveries	904	1,122
Net (charge-offs) recoveries	(1,379)	(643)
Provision for credit losses	1,180	514
Other	0	0
Balance, end of period	$ 623	$ 563

Allowance for Loan and Lease _4

Allowance for Loan and Lease Losses and Credit Quality Information - Allowance for Loan and Lease Losses and Balances Outstanding by Allowance Methodology (Details) - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018	Mar. 31, 2018	Dec. 31, 2017
Allowance for loan and lease losses:
Collectively evaluated for impairment	$ 123,432	$ 125,253
Individually evaluated for impairment	24,540	32,193
Total	147,972	157,446	$ 167,703	$ 171,041
Loans and leases outstanding:
Collectively evaluated for impairment	19,190,505	18,872,416
Individually evaluated for impairment	190,051	196,078
Loans acquired with deteriorated credit quality	3,119	3,817
Total loans and leases	19,383,675	19,072,311
Consumer Real Estate
Allowance for loan and lease losses:
Collectively evaluated for impairment	26,402	22,134
Individually evaluated for impairment	17,418	22,732
Total	43,820	44,866	47,685	47,168
Loans and leases outstanding:
Collectively evaluated for impairment	5,238,404	5,295,817
Individually evaluated for impairment	115,153	114,523
Loans acquired with deteriorated credit quality	0	0
Total loans and leases	5,353,557	5,410,340
Commercial
Allowance for loan and lease losses:
Collectively evaluated for impairment	32,711	36,411
Individually evaluated for impairment	2,000	4,771
Total	34,711	41,182	37,198	37,195
Loans and leases outstanding:
Collectively evaluated for impairment	3,852,073	3,815,422
Individually evaluated for impairment	32,033	35,881
Loans acquired with deteriorated credit quality	0	0
Total loans and leases	3,884,106	3,851,303
Leasing and Equipment Finance
Allowance for loan and lease losses:
Collectively evaluated for impairment	19,988	20,108
Individually evaluated for impairment	4,844	3,683
Total	24,832	23,791	23,182	22,528
Loans and leases outstanding:
Collectively evaluated for impairment	4,642,913	4,672,168
Individually evaluated for impairment	28,277	23,755
Loans acquired with deteriorated credit quality	3,119	3,817
Total loans and leases	4,674,309	4,699,740
Inventory Finance
Allowance for loan and lease losses:
Collectively evaluated for impairment	14,009	11,621
Individually evaluated for impairment	123	835
Total	14,132	12,456	13,253	13,233
Loans and leases outstanding:
Collectively evaluated for impairment	3,748,177	3,099,073
Individually evaluated for impairment	969	8,283
Loans acquired with deteriorated credit quality	0	0
Total loans and leases	3,749,146	3,107,356
Auto finance
Allowance for loan and lease losses:
Collectively evaluated for impairment	29,699	34,157
Individually evaluated for impairment	155	172
Total	29,854	34,329	45,822	50,225
Loans and leases outstanding:
Collectively evaluated for impairment	1,690,996	1,968,645
Individually evaluated for impairment	13,618	13,632
Loans acquired with deteriorated credit quality	0	0
Total loans and leases	1,704,614	1,982,277
Other
Allowance for loan and lease losses:
Collectively evaluated for impairment	623	822
Individually evaluated for impairment	0	0
Total	623	822	$ 563	$ 692
Loans and leases outstanding:
Collectively evaluated for impairment	17,942	21,291
Individually evaluated for impairment	1	4
Loans acquired with deteriorated credit quality	0	0
Total loans and leases	$ 17,943	$ 21,295

Allowance for Loan and Lease _5

Allowance for Loan and Lease Losses and Credit Quality Information - Accruing and Non-accrual Loans and Leases (Details) - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018
Financing Receivable, Recorded Investment, Past Due
Current-59 Days Delinquent and Accruing	$ 19,256,963	$ 18,937,811
60-89 Days Delinquent and Accruing	16,308	21,138
90 Days or More Delinquent and Accruing	7,119	7,444
Total Accruing	19,280,390	18,966,393
Non-accrual	103,285	105,918
Total loans and leases	19,383,675	19,072,311
Portfolios acquired with deteriorated credit quality
Financing Receivable, Recorded Investment, Past Due
Current-59 Days Delinquent and Accruing	2,909	3,639
60-89 Days Delinquent and Accruing	0	0
90 Days or More Delinquent and Accruing	210	178
Total Accruing	3,119	3,817
Non-accrual	0	0
Total loans and leases	3,119	3,817
Consumer real estate
Financing Receivable, Recorded Investment, Past Due
Current-59 Days Delinquent and Accruing	5,280,777	5,345,805
60-89 Days Delinquent and Accruing	5,545	4,494
90 Days or More Delinquent and Accruing	1,717	1,276
Total Accruing	5,288,039	5,351,575
Non-accrual	65,518	58,765
Total loans and leases	5,353,557	5,410,340
Consumer real estate | First mortgage lien
Financing Receivable, Recorded Investment, Past Due
Current-59 Days Delinquent and Accruing	2,437,608	2,403,391
60-89 Days Delinquent and Accruing	3,171	3,281
90 Days or More Delinquent and Accruing	1,717	1,276
Total Accruing	2,442,496	2,407,948
Non-accrual	38,254	36,432
Total loans and leases	2,480,750	2,444,380
Consumer real estate | Junior lien
Financing Receivable, Recorded Investment, Past Due
Current-59 Days Delinquent and Accruing	2,843,169	2,942,414
60-89 Days Delinquent and Accruing	2,374	1,213
90 Days or More Delinquent and Accruing	0	0
Total Accruing	2,845,543	2,943,627
Non-accrual	27,264	22,333
Total loans and leases	2,872,807	2,965,960
Commercial
Financing Receivable, Recorded Investment, Past Due
Current-59 Days Delinquent and Accruing	3,876,577	3,836,277
60-89 Days Delinquent and Accruing	0	1
90 Days or More Delinquent and Accruing	0	0
Total Accruing	3,876,577	3,836,278
Non-accrual	7,529	15,025
Total loans and leases	3,884,106	3,851,303
Commercial | Commercial real estate
Financing Receivable, Recorded Investment, Past Due
Current-59 Days Delinquent and Accruing	2,965,035	2,903,629
60-89 Days Delinquent and Accruing	0	0
90 Days or More Delinquent and Accruing	0	0
Total Accruing	2,965,035	2,903,629
Non-accrual	607	4,518
Total loans and leases	2,965,642	2,908,147
Commercial | Commercial business
Financing Receivable, Recorded Investment, Past Due
Current-59 Days Delinquent and Accruing	911,542	932,648
60-89 Days Delinquent and Accruing	0	1
90 Days or More Delinquent and Accruing	0	0
Total Accruing	911,542	932,649
Non-accrual	6,922	10,507
Total loans and leases	918,464	943,156
Leasing and equipment finance
Financing Receivable, Recorded Investment, Past Due
Current-59 Days Delinquent and Accruing	4,641,613	4,670,021
60-89 Days Delinquent and Accruing	6,490	7,996
90 Days or More Delinquent and Accruing	2,852	2,642
Total Accruing	4,650,955	4,680,659
Non-accrual	20,235	15,264
Total loans and leases	4,671,190	4,695,923
Inventory finance
Financing Receivable, Recorded Investment, Past Due
Current-59 Days Delinquent and Accruing	3,748,110	3,098,763
60-89 Days Delinquent and Accruing	67	310
90 Days or More Delinquent and Accruing	0	0
Total Accruing	3,748,177	3,099,073
Non-accrual	969	8,283
Total loans and leases	3,749,146	3,107,356
Auto finance
Financing Receivable, Recorded Investment, Past Due
Current-59 Days Delinquent and Accruing	1,689,055	1,962,042
60-89 Days Delinquent and Accruing	4,196	8,326
90 Days or More Delinquent and Accruing	2,330	3,331
Total Accruing	1,695,581	1,973,699
Non-accrual	9,033	8,578
Total loans and leases	1,704,614	1,982,277
Other
Financing Receivable, Recorded Investment, Past Due
Current-59 Days Delinquent and Accruing	17,922	21,264
60-89 Days Delinquent and Accruing	10	11
90 Days or More Delinquent and Accruing	10	17
Total Accruing	17,942	21,292
Non-accrual	1	3
Total loans and leases	17,943	21,295
Total loans and leases excluding portfolios acquired with deteriorated credit quality
Financing Receivable, Recorded Investment, Past Due
Current-59 Days Delinquent and Accruing	19,254,054	18,934,172
60-89 Days Delinquent and Accruing	16,308	21,138
90 Days or More Delinquent and Accruing	6,909	7,266
Total Accruing	19,277,271	18,962,576
Non-accrual	103,285	105,918
Total loans and leases	$ 19,380,556	$ 19,068,494

Allowance for Loan and Lease _6

Allowance for Loan and Lease Losses and Credit Quality Information - Interest Income for Loans and Leases in Non-accrual Status (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Contractual Interest Due and Interest Recognized on Non-accrual Loans
Contractual interest due on non-accrual loans and leases	$ 2,584	$ 2,927
Interest income recognized on non-accrual loans and leases	223	458
Unrecognized interest income	$ 2,361	$ 2,469

Allowance for Loan and Lease _7

Allowance for Loan and Lease Losses and Credit Quality Information - Consumer Real Estate Loans to Customers in Bankruptcy (Details) - Consumer real estate - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018
Consumer Real Estate Loans to Customers Involved in Bankruptcy
0-59 days delinquent and accruing	$ 3,044	$ 3,306
Non-accrual	11,359	9,046
Total consumer real estate loans to customers in bankruptcy	$ 14,403	$ 12,352

Allowance for Loan and Lease _8

Allowance for Loan and Lease Losses and Credit Quality Information - Loan Modifications to Borrowers with Financial Difficulties (Details) - USD ($)	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018	Dec. 31, 2018
Loan Modifications for Borrowers with Financial Difficulties
Accruing TDR Loans	$ 100,057,000		$ 98,459,000
Non-accrual TDR Loans	27,090,000		28,707,000
Total TDR loans	$ 127,147,000		127,166,000
Delinquency period of performing loans and leases	60 days	60 days
Interest Income Recognized on Accruing TDR Loans	$ 1,555,000	$ 1,496,000
Consumer real estate
Loan Modifications for Borrowers with Financial Difficulties
Accruing TDR Loans	79,471,000		80,739,000
Non-accrual TDR Loans	17,391,000		16,192,000
Total TDR loans	$ 96,862,000		96,931,000
Maximum period past due to be considered accruing status for consumer real estate TDR loans	90 days	90 days
Portion of non-accrual TDR balance, loans discharged in Chapter 7 bankruptcy that are not reaffirmed	$ 8,400,000		$ 7,800,000
Portion of non-accrual TDR balance, loans discharged in Chapter 7 bankruptcy that are not reaffirmed (as a percent)	48.50%		48.20%
Portion of non-accrual TDR balance, loans discharged in Chapter 7 bankruptcy that are not reaffirmed, current (as a percent)	60.40%		56.50%
Allowance on accruing TDR loans	$ 14,700,000		$ 15,500,000
Allowance on accruing TDR loans (as a percent)	18.50%		19.20%
Percent of accruing TDR loans more than 60 days delinquent	0.10%		0.30%
Unfunded commitments to loans classified as TDRs	$ 500,000		$ 600,000
Consumer real estate | Contractual interest rate reduction
Loan Modifications for Borrowers with Financial Difficulties
Contractual Interest Due on Accruing TDR Loans	1,342,000	$ 1,490,000
Interest Income Recognized on Accruing TDR Loans	835,000	930,000
Unrecognized Interest Income on Accruing TDR Loans	507,000	560,000
Consumer real estate | First mortgage lien | Contractual interest rate reduction
Loan Modifications for Borrowers with Financial Difficulties
Contractual Interest Due on Accruing TDR Loans	968,000	1,066,000
Interest Income Recognized on Accruing TDR Loans	579,000	640,000
Unrecognized Interest Income on Accruing TDR Loans	389,000	426,000
Consumer real estate | Junior lien | Contractual interest rate reduction
Loan Modifications for Borrowers with Financial Difficulties
Contractual Interest Due on Accruing TDR Loans	374,000	424,000
Interest Income Recognized on Accruing TDR Loans	256,000	290,000
Unrecognized Interest Income on Accruing TDR Loans	118,000	$ 134,000
Commercial
Loan Modifications for Borrowers with Financial Difficulties
Accruing TDR Loans	7,958,000		4,174,000
Non-accrual TDR Loans	607,000		3,946,000
Total TDR loans	8,565,000		8,120,000
Unfunded commitments to loans classified as TDRs	0		0
Leasing and equipment finance
Loan Modifications for Borrowers with Financial Difficulties
Accruing TDR Loans	8,042,000		8,491,000
Non-accrual TDR Loans	1,931,000		1,754,000
Total TDR loans	9,973,000		10,245,000
Unfunded commitments to loans classified as TDRs	0		0
Inventory finance
Loan Modifications for Borrowers with Financial Difficulties
Accruing TDR Loans	0		0
Non-accrual TDR Loans	205,000		453,000
Total TDR loans	205,000		453,000
Unfunded commitments to loans classified as TDRs	0		0
Auto finance
Loan Modifications for Borrowers with Financial Difficulties
Accruing TDR Loans	4,585,000		5,054,000
Non-accrual TDR Loans	6,956,000		6,362,000
Total TDR loans	11,541,000		11,416,000
Unfunded commitments to loans classified as TDRs	0		0
Other
Loan Modifications for Borrowers with Financial Difficulties
Accruing TDR Loans	1,000		1,000
Non-accrual TDR Loans	0		0
Total TDR loans	$ 1,000		$ 1,000

Allowance for Loan and Lease _9

Allowance for Loan and Lease Losses and Credit Quality Information - Modified TDR Loan Balances that Defaulted During the Period (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Loan Modifications for Borrowers with Financial Difficulties
Minimum period for loans to be delinquent to be considered in default	90 days	90 days
Defaulted TDR loan balance modified during the period	$ 820	$ 6,569
Consumer real estate
Loan Modifications for Borrowers with Financial Difficulties
Defaulted TDR loan balance modified during the period	284	1,508
Consumer real estate | First mortgage lien
Loan Modifications for Borrowers with Financial Difficulties
Defaulted TDR loan balance modified during the period	190	1,480
Consumer real estate | Junior lien
Loan Modifications for Borrowers with Financial Difficulties
Defaulted TDR loan balance modified during the period	94	28
Commercial | Commercial business
Loan Modifications for Borrowers with Financial Difficulties
Defaulted TDR loan balance modified during the period	0	4,697
Auto Finance
Loan Modifications for Borrowers with Financial Difficulties
Defaulted TDR loan balance modified during the period	$ 536	$ 364

Allowance for Loan and Lease_10

Allowance for Loan and Lease Losses and Credit Quality Information - Impaired Loans and Leases (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018	Dec. 31, 2018
Impaired Loans and Leases
Unpaid Contractual Balance with an Allowance Recorded	$ 140,405		$ 131,658
Unpaid Contractual Balance without an Allowance Recorded	74,868		44,170
Total Unpaid Contractual Balance	215,273		175,828
Loan and Lease Balance with an Allowance Recorded	134,877		123,455
Loan and Lease Balance without an Allowance Recorded	55,174		28,138
Total Loan and Lease Balance	190,051		151,593
Related Allowance Recorded	24,540		30,047
Average Loan and Lease Balance with an Allowance Recorded	129,166	$ 142,746
Average Loan and Lease Balance without an Allowance Recorded	41,656	27,032
Total Average Loan and Lease Balance	170,822	169,778
Interest Income Recognized with an Allowance Recorded	779	1,074
Interest Income Recognized without an Allowance Recorded	776	422
Total Interest Income Recognized	1,555	1,496
Consumer real estate
Impaired Loans and Leases
Unpaid Contractual Balance with an Allowance Recorded	99,103		90,390
Unpaid Contractual Balance without an Allowance Recorded	33,970		22,256
Loan and Lease Balance with an Allowance Recorded	94,270		86,008
Loan and Lease Balance without an Allowance Recorded	20,883		10,923
Related Allowance Recorded	17,418		22,504
Average Loan and Lease Balance with an Allowance Recorded	90,139	109,617
Average Loan and Lease Balance without an Allowance Recorded	15,903	11,993
Interest Income Recognized with an Allowance Recorded	712	959
Interest Income Recognized without an Allowance Recorded	358	238
Consumer real estate | First mortgage lien
Impaired Loans and Leases
Unpaid Contractual Balance with an Allowance Recorded	68,890		64,529
Unpaid Contractual Balance without an Allowance Recorded	21,298		11,829
Loan and Lease Balance with an Allowance Recorded	65,360		61,744
Loan and Lease Balance without an Allowance Recorded	18,872		9,586
Related Allowance Recorded	14,322		16,848
Average Loan and Lease Balance with an Allowance Recorded	63,552	80,245
Average Loan and Lease Balance without an Allowance Recorded	14,229	10,421
Interest Income Recognized with an Allowance Recorded	476	654
Interest Income Recognized without an Allowance Recorded	307	183
Consumer real estate | Junior lien
Impaired Loans and Leases
Unpaid Contractual Balance with an Allowance Recorded	30,213		25,861
Unpaid Contractual Balance without an Allowance Recorded	12,672		10,427
Loan and Lease Balance with an Allowance Recorded	28,910		24,264
Loan and Lease Balance without an Allowance Recorded	2,011		1,337
Related Allowance Recorded	3,096		5,656
Average Loan and Lease Balance with an Allowance Recorded	26,587	29,372
Average Loan and Lease Balance without an Allowance Recorded	1,674	1,572
Interest Income Recognized with an Allowance Recorded	236	305
Interest Income Recognized without an Allowance Recorded	51	55
Commercial
Impaired Loans and Leases
Unpaid Contractual Balance with an Allowance Recorded	11,626		17,222
Unpaid Contractual Balance without an Allowance Recorded	21,972		5,603
Loan and Lease Balance with an Allowance Recorded	11,167		13,666
Loan and Lease Balance without an Allowance Recorded	20,866		5,533
Related Allowance Recorded	2,000		4,771
Average Loan and Lease Balance with an Allowance Recorded	12,417	14,183
Average Loan and Lease Balance without an Allowance Recorded	13,199	4,457
Interest Income Recognized with an Allowance Recorded	17	86
Interest Income Recognized without an Allowance Recorded	272	58
Commercial | Commercial real estate
Impaired Loans and Leases
Unpaid Contractual Balance with an Allowance Recorded	4,872		4,905
Unpaid Contractual Balance without an Allowance Recorded	20,783		4,275
Loan and Lease Balance with an Allowance Recorded	4,416		4,474
Loan and Lease Balance without an Allowance Recorded	20,685		4,208
Related Allowance Recorded	438		1,108
Average Loan and Lease Balance with an Allowance Recorded	4,445	6,631
Average Loan and Lease Balance without an Allowance Recorded	12,447	4,457
Interest Income Recognized with an Allowance Recorded	17	0
Interest Income Recognized without an Allowance Recorded	272	58
Commercial | Commercial business
Impaired Loans and Leases
Unpaid Contractual Balance with an Allowance Recorded	6,754		12,317
Unpaid Contractual Balance without an Allowance Recorded	1,189		1,328
Loan and Lease Balance with an Allowance Recorded	6,751		9,192
Loan and Lease Balance without an Allowance Recorded	181		1,325
Related Allowance Recorded	1,562		3,663
Average Loan and Lease Balance with an Allowance Recorded	7,972	7,552
Average Loan and Lease Balance without an Allowance Recorded	752	0
Interest Income Recognized with an Allowance Recorded	0	86
Interest Income Recognized without an Allowance Recorded	0	0
Leasing and equipment finance
Impaired Loans and Leases
Unpaid Contractual Balance with an Allowance Recorded	28,277		15,763
Loan and Lease Balance with an Allowance Recorded	28,277		15,763
Related Allowance Recorded	4,844		1,856
Average Loan and Lease Balance with an Allowance Recorded	22,020	16,826
Interest Income Recognized with an Allowance Recorded	44	6
Inventory finance
Impaired Loans and Leases
Unpaid Contractual Balance with an Allowance Recorded	294		7,364
Unpaid Contractual Balance without an Allowance Recorded	672		911
Loan and Lease Balance with an Allowance Recorded	295		7,371
Loan and Lease Balance without an Allowance Recorded	674		912
Related Allowance Recorded	123		835
Average Loan and Lease Balance with an Allowance Recorded	3,833	1,243
Average Loan and Lease Balance without an Allowance Recorded	793	2,625
Interest Income Recognized with an Allowance Recorded	6	23
Interest Income Recognized without an Allowance Recorded	55	57
Auto finance
Impaired Loans and Leases
Unpaid Contractual Balance with an Allowance Recorded	1,104		917
Unpaid Contractual Balance without an Allowance Recorded	17,859		15,071
Loan and Lease Balance with an Allowance Recorded	867		646
Loan and Lease Balance without an Allowance Recorded	12,751		10,770
Related Allowance Recorded	155		81
Average Loan and Lease Balance with an Allowance Recorded	756	873
Average Loan and Lease Balance without an Allowance Recorded	11,761	7,957
Interest Income Recognized with an Allowance Recorded	0	0
Interest Income Recognized without an Allowance Recorded	91	69
Other
Impaired Loans and Leases
Unpaid Contractual Balance with an Allowance Recorded	1		2
Unpaid Contractual Balance without an Allowance Recorded	395		329
Loan and Lease Balance with an Allowance Recorded	1		1
Loan and Lease Balance without an Allowance Recorded	0		0
Related Allowance Recorded	0		$ 0
Average Loan and Lease Balance with an Allowance Recorded	1	4
Interest Income Recognized with an Allowance Recorded	$ 0	$ 0

Allowance for Loan and Lease_11

Allowance for Loan and Lease Losses and Credit Quality Information - Other Real Estate Owned and Repossessed and Returned Assets (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018	Dec. 31, 2018
Other Real Estate Owned and Repossessed and Returned Assets
Other real estate owned	$ 18,361		$ 17,403
Repossessed and returned assets	15,645		14,574
Consumer real estate loans in process of foreclosure	15,594		$ 15,540
Other real estate owned and repossessed and returned assets
Other Real Estate Owned and Repossessed and Returned Assets
Amount written down	$ 1,800	$ 1,200

Operating Lease Right-of-Use _3

Operating Lease Right-of-Use Assets and Liabilities (Details) $ in Thousands	3 Months Ended
	Mar. 31, 2019USD ($)
Leases [Abstract]
Operating lease right-of-use assets	$ 86,200
Total operating lease liabilities	106,527
Operating Lease Liabilities, Payments Due [Abstract]
2019	21,854
2020	24,765
2021	16,432
2022	12,156
2023	10,505
Thereafter	31,648
Total undiscounted future minimum operating lease payments	117,360
Discount	(10,833)
Total operating lease liabilities	$ 106,527
Lessee, Operating Lease, Description [Abstract]
Weighted-average discount rate	2.86%
Weighted average remaining lease term (years)	6 years 3 months 18 days
Lease, Cost [Abstract]
Lease expense	$ 8,899
Short-term lease cost	45
Sublease income	(407)
Total lease cost for operating leases	$ 8,537

Regulatory Capital Requiremen_3

Regulatory Capital Requirements - Regulatory Capital Requirements (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2019	Dec. 31, 2018
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	$ 2,266,244	$ 2,224,183
Tier 1 capital	2,459,132	2,408,393
Total capital	$ 2,792,419	$ 2,750,581
Common equity Tier 1 capital ratio
Common equity Tier 1 capital - actual, ratio	10.79%	10.82%
Risk-based capital ratios
Tier 1 risk-based capital - actual, ratio	11.71%	11.72%
Total risk-based capital - actual, ratio	13.30%	13.38%
Tier 1 leverage ratio
Tier 1 leverage - actual, ratio	10.26%	10.44%
TCF Bank
Compliance with Regulatory Capital Requirements under Banking Regulations
Net profits for the current year combined with retained net profits for preceding two calendar years	$ 269,100
Regulatory Capital:
Common equity Tier 1 capital	2,347,092	$ 2,282,013
Tier 1 capital	2,376,544	2,300,472
Total capital	$ 2,742,456	$ 2,675,347
Common equity Tier 1 capital ratio
Common equity Tier 1 capital - actual, ratio	11.18%	11.10%
Common equity Tier 1 capital - well-capitalized capital requirement, ratio	6.50%
Common equity Tier 1 capital - minimum capital requirement, ratio	7.00%
Risk-based capital ratios
Tier 1 risk-based capital - actual, ratio	11.32%	11.19%
Tier 1 risk-based capital - well-capitalized capital requirement, ratio	8.00%
Tier 1 risk-based capital - minimum capital requirement, ratio	8.50%
Total risk-based capital - actual, ratio	13.06%	13.01%
Total risk-based capital - well-capitalized capital requirement, ratio	10.00%
Total risk-based capital - minimum capital requirement, ratio	10.50%
Tier 1 leverage ratio
Tier 1 leverage - actual, ratio	9.92%	9.97%
Tier 1 leverage - well-capitalized capital requirement, ratio	5.00%
Tier 1 leverage - minimum capital requirement, ratio	4.00%

Stock Compensation - Restricted

Stock Compensation - Restricted Stock Award and Stock Option Transactions (Details) - Restricted Stock Awards (RSAs)	3 Months Ended
	Mar. 31, 2019$ / sharesshares
Restricted Stock Awards, Shares Activity
Outstanding at the beginning of the period (in shares) | shares	2,289,446
Granted (in shares) | shares	142,085
Forfeited/cancelled (in shares) | shares	(120,003)
Vested (in shares) | shares	(314,802)
Outstanding at the end of the period (in shares) | shares	1,996,726
Restricted Stock Awards, Weighted-average Grant Date Fair Value
Outstanding at the beginning of the period (in dollars per share) | $ / shares	$ 16.70
Granted (in dollars per share) | $ / shares	21.18
Forfeited/cancelled (in dollars per share) | $ / shares	17.60
Vested (in dollars per share) | $ / shares	19.28
Outstanding at the end of the period (in dollars per share) | $ / shares	$ 16.56

Stock Compensation - Stock Comp

Stock Compensation - Stock Compensation Information (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Restricted Stock Awards (RSAs)
Share-based compensation
Outstanding number of shares to vest only if certain performance goals and service conditions are achieved (in shares)	114,049
Unrecognized stock compensation expense for restricted stock awards	$ 17.6
Weighted-average remaining amortization period	1 year 6 months
Restricted Stock Units (RSUs) | Omnibus Incentive Plan
Share-based compensation
Restricted stock units, granted (in shares)	331,155
Restricted stock, maximum multiplier	150.00%
Remaining weighted-average performance period for RSUs	2 years 1 month 6 days
Restricted Stock Awards and Restricted Stock Units
Share-based compensation
Compensation expense for restricted stock awards and restricted stock units	$ 1.5	$ 5.9

Employee Benefit Plans - Employ

Employee Benefit Plans - Employee Benefit Plans (Details) - USD ($)	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Pension Plan
Net periodic benefit plan (income) cost included in non-interest expense
Interest cost	$ 264,000	$ 246,000
Return on plan assets	(137,000)	(132,000)
Net periodic benefit plan (income) cost	127,000	114,000
TCF contributions	0	0
Postretirement Plan
Net periodic benefit plan (income) cost included in non-interest expense
Interest cost	30,000	28,000
Amortization of prior service cost	(12,000)	(12,000)
Net periodic benefit plan (income) cost	18,000	16,000
TCF contributions	$ 100,000	$ 100,000

Derivative Instruments - Deriva

Derivative Instruments - Derivative Instruments (Details) - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018
Derivatives
Derivative Assets	$ 16,896	$ 15,250
Derivative Liabilities	3,275	4,356
Derivative asset netting	(655)	(6,982)
Derivative liability netting	(1,093)	(991)
Total derivative assets, net	16,241	8,268
Total derivative liabilities, net	2,182	3,365
Other assets
Derivatives
Derivative Assets	16,896	15,250
Derivative asset netting	(655)	(6,982)
Total derivative assets, net	16,241	8,268
Accrued expenses and other liabilities
Derivatives
Derivative Liabilities	3,275	4,356
Derivative liability netting	(1,093)	(991)
Total derivative liabilities, net	2,182	3,365
Derivatives designated as hedging instruments | Other assets
Derivatives
Derivative Assets	0	3,373
Derivatives designated as hedging instruments | Accrued expenses and other liabilities
Derivatives
Derivative Liabilities	1,148	0
Derivatives not designated as hedges | Other assets
Derivatives
Derivative Assets	16,896	11,877
Derivatives not designated as hedges | Accrued expenses and other liabilities
Derivatives
Derivative Liabilities	2,127	4,356
Interest rate contracts
Derivatives
Derivative Assets	15,480	7,909
Derivative Liabilities	1,424	3,732
Derivative asset netting	(369)	(395)
Derivative liability netting	(340)	(395)
Total derivative assets, net	15,111	7,514
Total derivative liabilities, net	1,084	3,337
Interest rate contracts | Derivatives designated as hedging instruments
Derivatives
Notional Amount	150,000	150,000
Interest rate contracts | Derivatives designated as hedging instruments | Other assets
Derivatives
Derivative Assets	0	393
Interest rate contracts | Derivatives designated as hedging instruments | Accrued expenses and other liabilities
Derivatives
Derivative Liabilities	333	0
Interest rate contracts | Derivatives not designated as hedges
Derivatives
Notional Amount	1,269,616	1,095,449
Interest rate contracts | Derivatives not designated as hedges | Other assets
Derivatives
Derivative Assets	15,480	7,516
Interest rate contracts | Derivatives not designated as hedges | Accrued expenses and other liabilities
Derivatives
Derivative Liabilities	1,091	3,732
Forward foreign exchange contracts
Derivatives
Derivative Assets	286	6,689
Derivative Liabilities	1,328	13
Derivative asset netting	(286)	(6,587)
Derivative liability netting	(243)	(13)
Total derivative assets, net	0	102
Total derivative liabilities, net	1,085	0
Forward foreign exchange contracts | Derivatives designated as hedging instruments
Derivatives
Notional Amount	163,828	157,271
Forward foreign exchange contracts | Derivatives designated as hedging instruments | Other assets
Derivatives
Derivative Assets	0	2,980
Forward foreign exchange contracts | Derivatives designated as hedging instruments | Accrued expenses and other liabilities
Derivatives
Derivative Liabilities	815	0
Forward foreign exchange contracts | Derivatives not designated as hedges
Derivatives
Notional Amount	241,060	254,274
Forward foreign exchange contracts | Derivatives not designated as hedges | Other assets
Derivatives
Derivative Assets	286	3,709
Forward foreign exchange contracts | Derivatives not designated as hedges | Accrued expenses and other liabilities
Derivatives
Derivative Liabilities	513	13
Interest rate lock commitments
Derivatives
Derivative Assets	1,130	652
Derivative Liabilities	13	28
Derivative asset netting	0	0
Derivative liability netting	0	0
Total derivative assets, net	1,130	652
Total derivative liabilities, net	13	28
Interest rate lock commitments | Derivatives not designated as hedges
Derivatives
Notional Amount	51,407	28,007
Interest rate lock commitments | Derivatives not designated as hedges | Other assets
Derivatives
Derivative Assets	1,130	652
Interest rate lock commitments | Derivatives not designated as hedges | Accrued expenses and other liabilities
Derivatives
Derivative Liabilities	13	28
Other contracts
Derivatives
Derivative Liabilities	510	583
Derivative liability netting	(510)	(583)
Total derivative liabilities, net	0	0
Other contracts | Derivatives not designated as hedges
Derivatives
Notional Amount	13,020	13,020
Other contracts | Derivatives not designated as hedges | Other assets
Derivatives
Derivative Assets	0	0
Other contracts | Derivatives not designated as hedges | Accrued expenses and other liabilities
Derivatives
Derivative Liabilities	$ 510	$ 583

Derivative Instruments - Deri_2

Derivative Instruments - Derivatives Gross Amounts Recognized and Offset (Details) - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018
Derivative Assets
Gross amounts recognized	$ 16,896	$ 15,250
Gross amounts offset	(655)	(6,982)
Net amount presented	16,241	8,268
Derivative Liabilities
Gross amounts recognized	3,275	4,356
Gross amounts offset	(1,093)	(991)
Net amount presented	2,182	3,365
Interest rate contracts
Derivative Assets
Gross amounts recognized	15,480	7,909
Gross amounts offset	(369)	(395)
Net amount presented	15,111	7,514
Derivative Liabilities
Gross amounts recognized	1,424	3,732
Gross amounts offset	(340)	(395)
Net amount presented	1,084	3,337
Forward foreign exchange contracts
Derivative Assets
Gross amounts recognized	286	6,689
Gross amounts offset	(286)	(6,587)
Net amount presented	0	102
Derivative Liabilities
Gross amounts recognized	1,328	13
Gross amounts offset	(243)	(13)
Net amount presented	1,085	0
Interest rate lock commitments
Derivative Assets
Gross amounts recognized	1,130	652
Gross amounts offset	0	0
Net amount presented	1,130	652
Derivative Liabilities
Gross amounts recognized	13	28
Gross amounts offset	0	0
Net amount presented	13	28
Other contracts
Derivative Liabilities
Gross amounts recognized	510	583
Gross amounts offset	(510)	(583)
Net amount presented	$ 0	$ 0

Derivative Instruments - Deri_3

Derivative Instruments - Derivatives Designated as Hedging Instruments (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018	Dec. 31, 2018
Interest Rate Contract
Fixed-rate subordinated notes, face amount	$ 150,000
Carrying amount of the hedged liability - Subordinated bank note - 2025	146,960		$ 144,296
Cumulative amount of fair value hedging adjustments included in the carrying amount of the hedged liability - Subordinated bank note - 2025	(1,555)		$ (4,165)
Gains and losses related to changes in the fair vale of the interest rate swap and hedged debt
Total amount presented in the Consolidated Statements of Income - Interest expense - borrowings	14,858	$ 9,553
Summary of Net Investment Hedge Activity [Abstract]
Effect of net investment hedges on accumulated other comprehensive income	3,050	(2,137)
Derivatives designated as hedges | Net investment hedges | Forward foreign exchange contracts
Summary of Net Investment Hedge Activity [Abstract]
Effect of net investment hedges on accumulated other comprehensive income	(3,050)	2,137
Derivatives designated as hedges | Interest expense - borrowings
Gains and losses related to changes in the fair vale of the interest rate swap and hedged debt
Gain (loss) of fair value hedge: Hedged item	(2,610)	3,806
Gain (loss) of fair value hedge: Derivative designated as a hedging instrument	$ 2,562	$ (3,858)

Derivative Instruments - Deri_4

Derivative Instruments - Derivatives Not Designated as Hedging Instruments (Details) - USD ($)	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018	Dec. 31, 2018
Interest rate contracts
Derivative, Collateral
Cash collateral posted	$ 11,100,000
Forward foreign exchange contracts
Credit risk-related contingent features
Forward foreign exchange contracts with credit risk-related contingent features, notional value	30,000,000		$ 25,700,000
Additional collateral required, if TCF was rated less than BB- by Standard and Poor's	600,000		500,000
Forward foreign exchange contracts with credit risk-related contingent features, net liability amount	66,000		$ 0
Derivative, Collateral
Cash collateral received	2,400,000
Other contracts
Derivative, Collateral
Cash collateral posted	1,300,000
Derivatives not designated as hedges
Derivative instruments, gain (loss)
Effect of derivatives included in the Consolidated Statements of Income	(5,094,000)	$ 9,667,000
Derivatives not designated as hedges | Interest rate contracts | Other non-interest income
Derivative instruments, gain (loss)
Effect of derivatives included in the Consolidated Statements of Income	(808,000)	99,000
Derivatives not designated as hedges | Forward foreign exchange contracts | Other non-interest expense
Derivative instruments, gain (loss)
Effect of derivatives included in the Consolidated Statements of Income	(4,779,000)	8,944,000
Derivatives not designated as hedges | Interest rate lock commitments | Gains on sales of loans, net
Derivative instruments, gain (loss)
Effect of derivatives included in the Consolidated Statements of Income	$ 493,000	$ 624,000

Fair Values Disclosures - Valua

Fair Values Disclosures - Valuation Methodologies of Assets and Liabilities at Fair Value (Details) $ in Millions	Mar. 31, 2019USD ($)
Fair Value, Assets and liabilities measured on recurring and nonrecurring basis
Fixed-rate subordinated notes, face amount	$ 150
Subordinated bank notes | Maturity Year 2025
Fair Value, Assets and liabilities measured on recurring and nonrecurring basis
Fixed-rate subordinated notes, face amount	$ 150

Fair Values Disclosures - Asset

Fair Values Disclosures - Assets and Liabilities Measured at Fair Value (Details) - USD ($)	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018	Dec. 31, 2018
Fair Value, Adjustment Disclosure [Abstract]
Transfers between fair value levels	$ 0	$ 0
Measurement of fair value on a recurring basis
Fair Value, Assets and liabilities measured on recurring and nonrecurring basis
Assets, Fair value carrying amount	63,056,000		$ 63,709,000
Liabilities, Fair value carrying amount	38,875,000		37,751,000
Measurement of fair value on a recurring basis | Level 1
Fair Value, Assets and liabilities measured on recurring and nonrecurring basis
Assets, Fair value carrying amount	36,188,000		33,217,000
Liabilities, Fair value carrying amount	36,188,000		33,217,000
Measurement of fair value on a recurring basis | Level 2
Fair Value, Assets and liabilities measured on recurring and nonrecurring basis
Assets, Fair value carrying amount	15,766,000		11,618,000
Liabilities, Fair value carrying amount	1,937,000		3,745,000
Measurement of fair value on a recurring basis | Level 3
Fair Value, Assets and liabilities measured on recurring and nonrecurring basis
Assets, Fair value carrying amount	11,102,000		18,874,000
Liabilities, Fair value carrying amount	750,000		789,000
Measurement of fair value on a recurring basis | Loans held for sale
Fair Value, Assets and liabilities measured on recurring and nonrecurring basis
Assets, Fair value carrying amount	9,863,000		18,070,000
Measurement of fair value on a recurring basis | Loans held for sale | Level 1
Fair Value, Assets and liabilities measured on recurring and nonrecurring basis
Assets, Fair value carrying amount	0		0
Measurement of fair value on a recurring basis | Loans held for sale | Level 2
Fair Value, Assets and liabilities measured on recurring and nonrecurring basis
Assets, Fair value carrying amount	0		0
Measurement of fair value on a recurring basis | Loans held for sale | Level 3
Fair Value, Assets and liabilities measured on recurring and nonrecurring basis
Assets, Fair value carrying amount	9,863,000		18,070,000
Measurement of fair value on a recurring basis | Interest rate contracts
Fair Value, Assets and liabilities measured on recurring and nonrecurring basis
Assets, Fair value carrying amount	15,480,000		7,909,000
Liabilities, Fair value carrying amount	1,424,000		3,732,000
Measurement of fair value on a recurring basis | Interest rate contracts | Level 1
Fair Value, Assets and liabilities measured on recurring and nonrecurring basis
Assets, Fair value carrying amount	0		0
Liabilities, Fair value carrying amount	0		0
Measurement of fair value on a recurring basis | Interest rate contracts | Level 2
Fair Value, Assets and liabilities measured on recurring and nonrecurring basis
Assets, Fair value carrying amount	15,480,000		7,909,000
Liabilities, Fair value carrying amount	1,424,000		3,732,000
Measurement of fair value on a recurring basis | Interest rate contracts | Level 3
Fair Value, Assets and liabilities measured on recurring and nonrecurring basis
Assets, Fair value carrying amount	0		0
Liabilities, Fair value carrying amount	0		0
Measurement of fair value on a recurring basis | Forward foreign exchange contracts
Fair Value, Assets and liabilities measured on recurring and nonrecurring basis
Assets, Fair value carrying amount	286,000		3,709,000
Liabilities, Fair value carrying amount	513,000		13,000
Measurement of fair value on a recurring basis | Forward foreign exchange contracts | Level 1
Fair Value, Assets and liabilities measured on recurring and nonrecurring basis
Assets, Fair value carrying amount	0		0
Liabilities, Fair value carrying amount	0		0
Measurement of fair value on a recurring basis | Forward foreign exchange contracts | Level 2
Fair Value, Assets and liabilities measured on recurring and nonrecurring basis
Assets, Fair value carrying amount	286,000		3,709,000
Liabilities, Fair value carrying amount	513,000		13,000
Measurement of fair value on a recurring basis | Forward foreign exchange contracts | Level 3
Fair Value, Assets and liabilities measured on recurring and nonrecurring basis
Assets, Fair value carrying amount	0		0
Liabilities, Fair value carrying amount	0		0
Measurement of fair value on a recurring basis | Interest rate lock commitments
Fair Value, Assets and liabilities measured on recurring and nonrecurring basis
Assets, Fair value carrying amount	1,130,000		652,000
Liabilities, Fair value carrying amount	13,000		28,000
Measurement of fair value on a recurring basis | Interest rate lock commitments | Level 1
Fair Value, Assets and liabilities measured on recurring and nonrecurring basis
Assets, Fair value carrying amount	0		0
Liabilities, Fair value carrying amount	0		0
Measurement of fair value on a recurring basis | Interest rate lock commitments | Level 2
Fair Value, Assets and liabilities measured on recurring and nonrecurring basis
Assets, Fair value carrying amount	0		0
Liabilities, Fair value carrying amount	0		0
Measurement of fair value on a recurring basis | Interest rate lock commitments | Level 3
Fair Value, Assets and liabilities measured on recurring and nonrecurring basis
Assets, Fair value carrying amount	1,130,000		652,000
Liabilities, Fair value carrying amount	13,000		28,000
Measurement of fair value on a recurring basis | Forward loan sales commitments
Fair Value, Assets and liabilities measured on recurring and nonrecurring basis
Assets, Fair value carrying amount	109,000		152,000
Liabilities, Fair value carrying amount	227,000		178,000
Measurement of fair value on a recurring basis | Forward loan sales commitments | Level 1
Fair Value, Assets and liabilities measured on recurring and nonrecurring basis
Assets, Fair value carrying amount	0		0
Liabilities, Fair value carrying amount	0		0
Measurement of fair value on a recurring basis | Forward loan sales commitments | Level 2
Fair Value, Assets and liabilities measured on recurring and nonrecurring basis
Assets, Fair value carrying amount	0		0
Liabilities, Fair value carrying amount	0		0
Measurement of fair value on a recurring basis | Forward loan sales commitments | Level 3
Fair Value, Assets and liabilities measured on recurring and nonrecurring basis
Assets, Fair value carrying amount	109,000		152,000
Liabilities, Fair value carrying amount	227,000		178,000
Measurement of fair value on a recurring basis | Assets held in trust for deferred compensation plans
Fair Value, Assets and liabilities measured on recurring and nonrecurring basis
Assets, Fair value carrying amount	36,188,000		33,217,000
Measurement of fair value on a recurring basis | Assets held in trust for deferred compensation plans | Level 1
Fair Value, Assets and liabilities measured on recurring and nonrecurring basis
Assets, Fair value carrying amount	36,188,000		33,217,000
Measurement of fair value on a recurring basis | Assets held in trust for deferred compensation plans | Level 2
Fair Value, Assets and liabilities measured on recurring and nonrecurring basis
Assets, Fair value carrying amount	0		0
Measurement of fair value on a recurring basis | Assets held in trust for deferred compensation plans | Level 3
Fair Value, Assets and liabilities measured on recurring and nonrecurring basis
Assets, Fair value carrying amount	0		0
Measurement of fair value on a recurring basis | Other contracts
Fair Value, Assets and liabilities measured on recurring and nonrecurring basis
Liabilities, Fair value carrying amount	510,000		583,000
Measurement of fair value on a recurring basis | Other contracts | Level 1
Fair Value, Assets and liabilities measured on recurring and nonrecurring basis
Liabilities, Fair value carrying amount	0		0
Measurement of fair value on a recurring basis | Other contracts | Level 2
Fair Value, Assets and liabilities measured on recurring and nonrecurring basis
Liabilities, Fair value carrying amount	0		0
Measurement of fair value on a recurring basis | Other contracts | Level 3
Fair Value, Assets and liabilities measured on recurring and nonrecurring basis
Liabilities, Fair value carrying amount	510,000		583,000
Measurement of fair value on a recurring basis | Liabilities held in trust for deferred compensation plans
Fair Value, Assets and liabilities measured on recurring and nonrecurring basis
Liabilities, Fair value carrying amount	36,188,000		33,217,000
Measurement of fair value on a recurring basis | Liabilities held in trust for deferred compensation plans | Level 1
Fair Value, Assets and liabilities measured on recurring and nonrecurring basis
Liabilities, Fair value carrying amount	36,188,000		33,217,000
Measurement of fair value on a recurring basis | Liabilities held in trust for deferred compensation plans | Level 2
Fair Value, Assets and liabilities measured on recurring and nonrecurring basis
Liabilities, Fair value carrying amount	0		0
Measurement of fair value on a recurring basis | Liabilities held in trust for deferred compensation plans | Level 3
Fair Value, Assets and liabilities measured on recurring and nonrecurring basis
Liabilities, Fair value carrying amount	0		0
Measurement of fair value on a non-recurring basis
Fair Value, Assets and liabilities measured on recurring and nonrecurring basis
Assets, Fair value carrying amount	92,293,000		76,583,000
Loans and leases	69,691,000		57,663,000
Other real estate owned	11,570,000		9,397,000
Repossessed and returned assets	11,032,000		9,523,000
Measurement of fair value on a non-recurring basis | Level 1
Fair Value, Assets and liabilities measured on recurring and nonrecurring basis
Assets, Fair value carrying amount	0		0
Loans and leases	0		0
Other real estate owned	0		0
Repossessed and returned assets	0		0
Measurement of fair value on a non-recurring basis | Level 2
Fair Value, Assets and liabilities measured on recurring and nonrecurring basis
Assets, Fair value carrying amount	6,496,000		4,358,000
Loans and leases	0		0
Other real estate owned	0		0
Repossessed and returned assets	6,496,000		4,358,000
Measurement of fair value on a non-recurring basis | Level 3
Fair Value, Assets and liabilities measured on recurring and nonrecurring basis
Assets, Fair value carrying amount	85,797,000		72,225,000
Loans and leases	69,691,000		57,663,000
Other real estate owned	11,570,000		9,397,000
Repossessed and returned assets	4,536,000		5,165,000
Other Comprehensive Income (Loss) | Measurement of fair value on a recurring basis
Fair Value, Assets and liabilities measured on recurring and nonrecurring basis
Assets, Fair value carrying amount	2,961,505,000		2,489,880,000
Liabilities, Fair value carrying amount	815,000
Other Comprehensive Income (Loss) | Measurement of fair value on a recurring basis | Level 1
Fair Value, Assets and liabilities measured on recurring and nonrecurring basis
Assets, Fair value carrying amount	0		0
Liabilities, Fair value carrying amount	0
Other Comprehensive Income (Loss) | Measurement of fair value on a recurring basis | Level 2
Fair Value, Assets and liabilities measured on recurring and nonrecurring basis
Assets, Fair value carrying amount	2,945,338,000		2,473,041,000
Liabilities, Fair value carrying amount	815,000
Other Comprehensive Income (Loss) | Measurement of fair value on a recurring basis | Level 3
Fair Value, Assets and liabilities measured on recurring and nonrecurring basis
Assets, Fair value carrying amount	16,167,000		16,839,000
Liabilities, Fair value carrying amount	0
Other Comprehensive Income (Loss) | Measurement of fair value on a recurring basis | Forward foreign exchange contracts
Fair Value, Assets and liabilities measured on recurring and nonrecurring basis
Assets, Fair value carrying amount			2,980,000
Liabilities, Fair value carrying amount	815,000
Other Comprehensive Income (Loss) | Measurement of fair value on a recurring basis | Forward foreign exchange contracts | Level 1
Fair Value, Assets and liabilities measured on recurring and nonrecurring basis
Assets, Fair value carrying amount			0
Liabilities, Fair value carrying amount	0
Other Comprehensive Income (Loss) | Measurement of fair value on a recurring basis | Forward foreign exchange contracts | Level 2
Fair Value, Assets and liabilities measured on recurring and nonrecurring basis
Assets, Fair value carrying amount			2,980,000
Liabilities, Fair value carrying amount	815,000
Other Comprehensive Income (Loss) | Measurement of fair value on a recurring basis | Forward foreign exchange contracts | Level 3
Fair Value, Assets and liabilities measured on recurring and nonrecurring basis
Assets, Fair value carrying amount			0
Liabilities, Fair value carrying amount	0
Other Comprehensive Income (Loss) | Measurement of fair value on a recurring basis | Mortgage-backed securities, U.S. Government sponsored enterprises and federal agencies
Fair Value, Assets and liabilities measured on recurring and nonrecurring basis
Assets, Fair value carrying amount	2,584,511,000		1,913,190,000
Other Comprehensive Income (Loss) | Measurement of fair value on a recurring basis | Mortgage-backed securities, U.S. Government sponsored enterprises and federal agencies | Level 1
Fair Value, Assets and liabilities measured on recurring and nonrecurring basis
Assets, Fair value carrying amount	0		0
Other Comprehensive Income (Loss) | Measurement of fair value on a recurring basis | Mortgage-backed securities, U.S. Government sponsored enterprises and federal agencies | Level 2
Fair Value, Assets and liabilities measured on recurring and nonrecurring basis
Assets, Fair value carrying amount	2,584,511,000		1,913,190,000
Other Comprehensive Income (Loss) | Measurement of fair value on a recurring basis | Mortgage-backed securities, U.S. Government sponsored enterprises and federal agencies | Level 3
Fair Value, Assets and liabilities measured on recurring and nonrecurring basis
Assets, Fair value carrying amount	0		0
Other Comprehensive Income (Loss) | Measurement of fair value on a recurring basis | Mortgage-backed securities, Other
Fair Value, Assets and liabilities measured on recurring and nonrecurring basis
Assets, Fair value carrying amount	4,000		4,000
Other Comprehensive Income (Loss) | Measurement of fair value on a recurring basis | Mortgage-backed securities, Other | Level 1
Fair Value, Assets and liabilities measured on recurring and nonrecurring basis
Assets, Fair value carrying amount	0		0
Other Comprehensive Income (Loss) | Measurement of fair value on a recurring basis | Mortgage-backed securities, Other | Level 2
Fair Value, Assets and liabilities measured on recurring and nonrecurring basis
Assets, Fair value carrying amount	0		0
Other Comprehensive Income (Loss) | Measurement of fair value on a recurring basis | Mortgage-backed securities, Other | Level 3
Fair Value, Assets and liabilities measured on recurring and nonrecurring basis
Assets, Fair value carrying amount	4,000		4,000
Other Comprehensive Income (Loss) | Measurement of fair value on a recurring basis | Obligations of states and political subdivisions
Fair Value, Assets and liabilities measured on recurring and nonrecurring basis
Assets, Fair value carrying amount	360,827,000		556,871,000
Other Comprehensive Income (Loss) | Measurement of fair value on a recurring basis | Obligations of states and political subdivisions | Level 1
Fair Value, Assets and liabilities measured on recurring and nonrecurring basis
Assets, Fair value carrying amount	0		0
Other Comprehensive Income (Loss) | Measurement of fair value on a recurring basis | Obligations of states and political subdivisions | Level 2
Fair Value, Assets and liabilities measured on recurring and nonrecurring basis
Assets, Fair value carrying amount	360,827,000		556,871,000
Other Comprehensive Income (Loss) | Measurement of fair value on a recurring basis | Obligations of states and political subdivisions | Level 3
Fair Value, Assets and liabilities measured on recurring and nonrecurring basis
Assets, Fair value carrying amount	0		0
Other Comprehensive Income (Loss) | Measurement of fair value on a recurring basis | Interest-only strips
Fair Value, Assets and liabilities measured on recurring and nonrecurring basis
Assets, Fair value carrying amount	16,163,000		16,835,000
Other Comprehensive Income (Loss) | Measurement of fair value on a recurring basis | Interest-only strips | Level 1
Fair Value, Assets and liabilities measured on recurring and nonrecurring basis
Assets, Fair value carrying amount	0		0
Other Comprehensive Income (Loss) | Measurement of fair value on a recurring basis | Interest-only strips | Level 2
Fair Value, Assets and liabilities measured on recurring and nonrecurring basis
Assets, Fair value carrying amount	0		0
Other Comprehensive Income (Loss) | Measurement of fair value on a recurring basis | Interest-only strips | Level 3
Fair Value, Assets and liabilities measured on recurring and nonrecurring basis
Assets, Fair value carrying amount	$ 16,163,000		$ 16,835,000

Fair Values Disclosures - Chang

Fair Values Disclosures - Changes in Level 3 Assets and Liabilities Measured at Fair Value (Details) - Level 3 - Measurement of fair value on a recurring basis - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Interest Rate Lock Commitments
Fair Value, Net Derivative Asset (Liability) Measured on Recurring Basis, Unobservable Input Reconciliation [Roll Forward]
Asset (liability) balance, beginning of period	$ 624	$ 223
Total net gains (losses) included in net income	493	335
Total net gains (losses) include in other comprehensive income (loss)	0	0
Sales	0	0
Originations	0	0
Principal paydowns / settlements	0	0
Asset (liability) balance, end of period	1,117	558
Other Contracts
Fair Value, Net Derivative Asset (Liability) Measured on Recurring Basis, Unobservable Input Reconciliation [Roll Forward]
Asset (liability) balance, beginning of period	(583)	(615)
Total net gains (losses) included in net income	0	0
Total net gains (losses) include in other comprehensive income (loss)	0	0
Sales	0	0
Originations	0	0
Principal paydowns / settlements	73	77
Asset (liability) balance, end of period	(510)	(538)
Forward Loan Sales Commitments
Fair Value, Net Derivative Asset (Liability) Measured on Recurring Basis, Unobservable Input Reconciliation [Roll Forward]
Asset (liability) balance, beginning of period	(26)	63
Total net gains (losses) included in net income	(92)	81
Total net gains (losses) include in other comprehensive income (loss)	0	0
Sales	0	0
Originations	0	0
Principal paydowns / settlements	0	0
Asset (liability) balance, end of period	(118)	144
Debt Securities Available for Sale
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation
Asset (liability) balance, beginning of period	4	6
Total net gains (losses) included in net income	0	0
Total net gains (losses) included in other comprehensive income (loss)	0	0
Sales	0	0
Originations	0	0
Principal paydowns / settlements	0	(1)
Asset (liability) balance, end of period	4	5
Loans Held for Sale
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation
Asset (liability) balance, beginning of period	18,070	3,356
Total net gains (losses) included in net income	(166)	97
Total net gains (losses) included in other comprehensive income (loss)	0	0
Sales	(73,438)	(59,747)
Originations	65,400	65,355
Principal paydowns / settlements	(3)	(3)
Asset (liability) balance, end of period	9,863	9,058
Interest-only Strips
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation
Asset (liability) balance, beginning of period	16,835	21,386
Total net gains (losses) included in net income	712	331
Total net gains (losses) included in other comprehensive income (loss)	286	777
Sales	0	0
Originations	844	3,299
Principal paydowns / settlements	(2,514)	(3,942)
Asset (liability) balance, end of period	$ 16,163	$ 21,851

Fair Values Disclosures - Fair

Fair Values Disclosures - Fair Value Option (Details) - USD ($)	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018	Dec. 31, 2018
Fair Value, Option, Quantitative Disclosures
Amount of loans recorded under the fair value option that were delinquent or on non-accrual status	$ 0		$ 0
Loans Held for Sale
Fair Value, Option, Quantitative Disclosures
Fair value carrying amount	9,863,000		18,070,000
Aggregate unpaid principal amount	9,520,000		17,517,000
Fair value carrying amount less aggregate unpaid principal	343,000		$ 553,000
Loans Held for Sale | Gains on sales of loans, net
Fair Value, Option, Quantitative Disclosures
Net gain from initial measurement of the correspondent lending loans held for sale and subsequent changes in fair value for loans outstanding	$ 2,200,000	$ 1,600,000

Fair Values Disclosures - Estim

Fair Values Disclosures - Estimated Fair Value of Financial Instrument Assets, Liabilities, and Instruments with Off-Balance Sheet Risk (Details) - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018	Mar. 31, 2018	Dec. 31, 2017
Financial instrument assets:
Debt securities held to maturity	$ 148,024	$ 148,852
Loans:
Consumer real estate	5,353,557	5,410,340
Inventory finance	3,749,146	3,107,356
Auto finance	1,704,614	1,982,277
Other	17,943	21,295
Allowance for loan losses	(147,972)	(157,446)	$ (167,703)	$ (171,041)
Carrying Amount
Financial instrument assets:
Investments	103,644	91,654
Debt securities held to maturity	148,024	148,852
Loans held for sale	53,905	72,594
Loans:
Consumer real estate	5,353,557	5,410,340
Commercial real estate	2,965,642	2,908,147
Commercial business	918,464	943,156
Equipment finance	2,122,965	2,169,577
Inventory finance	3,749,146	3,107,356
Auto finance	1,704,614	1,982,277
Other	17,943	21,295
Allowance for loan losses	(147,972)	(157,446)
Securitization receivable	19,496	19,432
Total financial instrument assets	17,009,428	16,717,234
Financial instrument liabilities:
Deposits	19,024,111	18,903,686
Long-term borrowings	1,411,426	1,449,472
Total financial instrument liabilities	20,435,537	20,353,158
Financial instruments with off-balance sheet risk:
Financial instruments with off-balance sheet risk, assets	18,464	18,478
Carrying Amount | Standby letters of credit
Financial instruments with off-balance sheet risk:
Financial instruments with off-balance sheet risk, liabilities	61	77
Carrying Amount | Commitments to extend credit
Financial instruments with off-balance sheet risk:
Financial instruments with off-balance sheet risk, assets	18,525	18,555
Estimated Fair Value
Financial instrument assets:
Investments	103,644	91,654
Debt securities held to maturity	151,231	149,267
Loans held for sale	55,919	74,078
Loans:
Consumer real estate	5,434,461	5,461,209
Commercial real estate	2,920,368	2,872,829
Commercial business	885,178	890,828
Equipment finance	2,093,552	2,131,147
Inventory finance	3,731,535	3,091,593
Auto finance	1,668,084	1,935,017
Other	15,826	16,928
Allowance for loan losses	0	0
Securitization receivable	19,134	19,025
Total financial instrument assets	17,078,932	16,733,575
Financial instrument liabilities:
Deposits	19,057,967	18,933,448
Long-term borrowings	1,418,024	1,451,550
Total financial instrument liabilities	20,475,991	20,384,998
Financial instruments with off-balance sheet risk:
Financial instruments with off-balance sheet risk, assets	18,464	18,478
Estimated Fair Value | Standby letters of credit
Financial instruments with off-balance sheet risk:
Financial instruments with off-balance sheet risk, liabilities	61	77
Estimated Fair Value | Commitments to extend credit
Financial instruments with off-balance sheet risk:
Financial instruments with off-balance sheet risk, assets	18,525	18,555
Estimated Fair Value | Level 1
Financial instrument assets:
Investments	0	0
Debt 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	14,532,113	14,113,006
Long-term borrowings	0	0
Total financial instrument liabilities	14,532,113	14,113,006
Financial instruments with off-balance sheet risk:
Financial instruments with off-balance sheet risk, assets	0	0
Estimated Fair Value | Level 1 | Standby letters of credit
Financial instruments with off-balance sheet risk:
Financial instruments with off-balance sheet risk, liabilities	0	0
Estimated Fair Value | Level 1 | Commitments to extend credit
Financial instruments with off-balance sheet risk:
Financial instruments with off-balance sheet risk, assets	0	0
Estimated Fair Value | Level 2
Financial instrument assets:
Investments	103,644	91,654
Debt securities held to maturity	147,610	146,467
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	251,254	238,121
Financial instrument liabilities:
Deposits	4,525,854	4,820,442
Long-term borrowings	1,418,024	1,451,550
Total financial instrument liabilities	5,943,878	6,271,992
Financial instruments with off-balance sheet risk:
Financial instruments with off-balance sheet risk, assets	18,464	18,478
Estimated Fair Value | Level 2 | Standby letters of credit
Financial instruments with off-balance sheet risk:
Financial instruments with off-balance sheet risk, liabilities	61	77
Estimated Fair Value | Level 2 | Commitments to extend credit
Financial instruments with off-balance sheet risk:
Financial instruments with off-balance sheet risk, assets	18,525	18,555
Estimated Fair Value | Level 3
Financial instrument assets:
Investments	0	0
Debt securities held to maturity	3,621	2,800
Loans held for sale	55,919	74,078
Loans:
Consumer real estate	5,434,461	5,461,209
Commercial real estate	2,920,368	2,872,829
Commercial business	885,178	890,828
Equipment finance	2,093,552	2,131,147
Inventory finance	3,731,535	3,091,593
Auto finance	1,668,084	1,935,017
Other	15,826	16,928
Allowance for loan losses	0	0
Securitization receivable	19,134	19,025
Total financial instrument assets	16,827,678	16,495,454
Financial instrument liabilities:
Deposits	0	0
Long-term borrowings	0	0
Total financial instrument liabilities	0	0
Financial instruments with off-balance sheet risk:
Financial instruments with off-balance sheet risk, assets	0	0
Estimated Fair Value | Level 3 | Standby letters of credit
Financial instruments with off-balance sheet risk:
Financial instruments with off-balance sheet risk, liabilities	0	0
Estimated Fair Value | Level 3 | Commitments to extend credit
Financial instruments with off-balance sheet risk:
Financial instruments with off-balance sheet risk, assets	$ 0	$ 0

Earnings Per Common Share - Com

Earnings Per Common Share - Computation of basic and diluted earnings per common share (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Basic Earnings Per Common Share:
Net income attributable to TCF Financial Corporation	$ 70,494	$ 73,761
Preferred stock dividends	2,493	4,106
Impact of preferred stock redemption	0	3,481
Net income available to common stockholders	68,001	66,174
Less: Earnings allocated to participating securities	13	9
Earnings allocated to common stock	$ 67,988	$ 66,165
Weighted-average common shares outstanding used in basic earnings per common share calculation (in shares)	161,865,270	168,507,448
Basic earnings per common share (in dollars per share)	$ 0.42	$ 0.39
Diluted Earnings Per Common Share:
Earnings allocated to common stock	$ 67,988	$ 66,165
Weighted-average common shares outstanding used in basic earnings per common share calculation (in shares)	161,865,270	168,507,448
Net dilutive effect of:
Non-participating restricted stock (in shares)	562,553	721,353
Stock options (in shares)	0	8,278
Warrants (in shares)	0	760,067
Weighted-average common shares outstanding used in diluted earnings per common share calculation (in shares)	162,427,823	169,997,146
Diluted earnings per common share (in dollars per share)	$ 0.42	$ 0.39

Earnings Per Common Share - Ant

Earnings Per Common Share - Antidilutive securities excluded from computation of earnings per common share (Details) - shares	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Earnings Per Share [Abstract]
Antidilutive securities excluded from computation of earnings per share (in shares)	728,455	591,695

Other Non-interest Expense - Ot

Other Non-interest Expense - Other Non-interest Expense (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Other Income and Expenses [Abstract]
Advertising and marketing	$ 6,855	$ 7,297
Professional fees	5,528	5,321
Outside processing	5,474	5,236
Card processing and issuance costs	4,508	4,457
FDIC insurance	2,918	4,070
Other	31,154	33,055
Total other non-interest expense	$ 56,437	$ 59,436

Business Segments - Business Se

Business Segments - Business Segments (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018	Dec. 31, 2018
Interest income:
Loans and leases	$ 279,594	$ 260,375
Debt securities available for sale	18,815	10,123
Debt securities held to maturity	535	1,019
Loans held for sale and other	4,301	3,745
Funds transfer pricing - credits	0	0
Total interest income	303,245	275,262
Interest expense:
Deposits	37,480	22,510
Borrowings	14,858	9,553
Funds transfer pricing - charges	0	0
Total interest expense	52,338	32,063
Net interest income	250,907	243,199
Provision for credit losses	10,122	11,368
Net interest income after provision for credit losses	240,785	231,831
Non-interest income:
Leasing and equipment finance	41,139	41,847
Gains on sales of loans, net	7,972	9,123
Gains (losses) on debt securities, net	451	63
Other	2,347	3,716
Total non-interest income	107,026	112,204
Non-interest expense:
Compensation and employee benefits	121,557	123,840
Occupancy and equipment	41,737	40,514
Lease financing equipment depreciation	19,256	17,274
Foreclosed real estate and repossessed assets, net	4,630	4,916
Merger-related expenses	9,458	0
Other	56,437	59,436
Total non-interest expense	253,075	245,980
Income before income tax expense	94,736	98,055
Income tax expense (benefit)	21,287	21,631
Income after income tax expense	73,449	76,424
Income attributable to non-controlling interest	2,955	2,663
Preferred stock dividends	2,493	4,106
Impact of preferred stock redemption	0	3,481
Net income available to common stockholders	68,001	66,174
Revenues from external customers:
Interest Income	303,245	275,262
Non-interest income	107,026	112,204
Total	410,271	387,466
Total assets	24,418,715	23,385,052	$ 23,699,612
Fees and service charges
Non-interest income:
Fee revenue	31,324	30,751
Card revenue
Non-interest income:
Fee revenue	14,243	13,759
ATM revenue
Non-interest income:
Fee revenue	4,440	4,650
Servicing fee income
Non-interest income:
Fee revenue	5,110	8,295
Consumer Banking
Interest income:
Loans and leases	105,759	109,760
Debt securities available for sale	0	0
Debt securities held to maturity	0	0
Loans held for sale and other	1,669	2,057
Funds transfer pricing - credits	113,733	96,582
Total interest income	221,161	208,399
Interest expense:
Deposits	26,607	17,855
Borrowings	7,933	12,407
Funds transfer pricing - charges	48,614	38,229
Total interest expense	83,154	68,491
Net interest income	138,007	139,908
Provision for credit losses	7,294	8,889
Net interest income after provision for credit losses	130,713	131,019
Non-interest income:
Leasing and equipment finance	0	0
Gains on sales of loans, net	7,972	9,123
Gains (losses) on debt securities, net	0	0
Other	2,593	3,065
Total non-interest income	61,848	67,110
Non-interest expense:
Compensation and employee benefits	51,778	55,230
Occupancy and equipment	26,418	25,868
Lease financing equipment depreciation	0	0
Foreclosed real estate and repossessed assets, net	3,744	4,259
Merger-related expenses	0
Other	73,845	76,109
Total non-interest expense	155,785	161,466
Income before income tax expense	36,776	36,663
Income tax expense (benefit)	8,562	8,823
Income after income tax expense	28,214	27,840
Income attributable to non-controlling interest	0	0
Preferred stock dividends	0	0
Impact of preferred stock redemption		0
Net income available to common stockholders	28,214	27,840
Revenues from external customers:
Interest Income	107,428	111,817
Non-interest income	61,848	67,110
Total	169,276	178,927
Total assets	7,896,858	8,325,213
Consumer Banking | Fees and service charges
Non-interest income:
Fee revenue	27,794	28,597
Consumer Banking | Card revenue
Non-interest income:
Fee revenue	14,226	13,750
Consumer Banking | ATM revenue
Non-interest income:
Fee revenue	4,439	4,649
Consumer Banking | Servicing fee income
Non-interest income:
Fee revenue	4,824	7,926
Wholesale Banking
Interest income:
Loans and leases	174,845	151,525
Debt securities available for sale	0	0
Debt securities held to maturity	22	23
Loans held for sale and other	142	21
Funds transfer pricing - credits	10,952	7,748
Total interest income	185,961	159,317
Interest expense:
Deposits	4,143	1,434
Borrowings	26,236	17,398
Funds transfer pricing - charges	59,724	44,885
Total interest expense	90,103	63,717
Net interest income	95,858	95,600
Provision for credit losses	2,828	2,479
Net interest income after provision for credit losses	93,030	93,121
Non-interest income:
Leasing and equipment finance	41,139	41,847
Gains on sales of loans, net	0	0
Gains (losses) on debt securities, net	4	63
Other	(301)	607
Total non-interest income	44,676	45,050
Non-interest expense:
Compensation and employee benefits	27,690	24,288
Occupancy and equipment	4,927	4,907
Lease financing equipment depreciation	19,256	17,274
Foreclosed real estate and repossessed assets, net	886	650
Merger-related expenses	0
Other	31,390	29,253
Total non-interest expense	84,149	76,372
Income before income tax expense	53,557	61,799
Income tax expense (benefit)	11,938	13,877
Income after income tax expense	41,619	47,922
Income attributable to non-controlling interest	2,955	2,663
Preferred stock dividends	0	0
Impact of preferred stock redemption		0
Net income available to common stockholders	38,664	45,259
Revenues from external customers:
Interest Income	173,999	150,659
Non-interest income	44,676	45,050
Total	218,675	195,709
Total assets	12,875,586	12,293,798
Wholesale Banking | Fees and service charges
Non-interest income:
Fee revenue	3,530	2,154
Wholesale Banking | Card revenue
Non-interest income:
Fee revenue	17	9
Wholesale Banking | ATM revenue
Non-interest income:
Fee revenue	1	1
Wholesale Banking | Servicing fee income
Non-interest income:
Fee revenue	286	369
Enterprise Services
Interest income:
Loans and leases	(1,010)	(910)
Debt securities available for sale	18,815	10,123
Debt securities held to maturity	513	996
Loans held for sale and other	2,490	1,667
Funds transfer pricing - credits	(124,685)	(104,330)
Total interest income	(103,877)	(92,454)
Interest expense:
Deposits	6,730	3,221
Borrowings	(19,311)	(20,252)
Funds transfer pricing - charges	(108,338)	(83,114)
Total interest expense	(120,919)	(100,145)
Net interest income	17,042	7,691
Provision for credit losses	0	0
Net interest income after provision for credit losses	17,042	7,691
Non-interest income:
Leasing and equipment finance	0	0
Gains on sales of loans, net	0	0
Gains (losses) on debt securities, net	447	0
Other	55	44
Total non-interest income	502	44
Non-interest expense:
Compensation and employee benefits	42,089	44,322
Occupancy and equipment	10,392	9,739
Lease financing equipment depreciation	0	0
Foreclosed real estate and repossessed assets, net	0	7
Merger-related expenses	9,458
Other	(48,798)	(45,926)
Total non-interest expense	13,141	8,142
Income before income tax expense	4,403	(407)
Income tax expense (benefit)	787	(1,069)
Income after income tax expense	3,616	662
Income attributable to non-controlling interest	0	0
Preferred stock dividends	2,493	4,106
Impact of preferred stock redemption		3,481
Net income available to common stockholders	1,123	(6,925)
Revenues from external customers:
Interest Income	21,818	12,786
Non-interest income	502	44
Total	22,320	12,830
Total assets	3,646,271	2,766,041
Enterprise Services | Fees and service charges
Non-interest income:
Fee revenue	0	0
Enterprise Services | Card revenue
Non-interest income:
Fee revenue	0	0
Enterprise Services | ATM revenue
Non-interest income:
Fee revenue	0	0
Enterprise Services | Servicing fee income
Non-interest income:
Fee revenue	$ 0	$ 0

Accumulated Other Comprehensi_3

Accumulated Other Comprehensive Income (Loss) - Accumulated Other Comprehensive Income (Loss) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Accumulated Other Comprehensive Income (Loss)
Total other comprehensive income (loss), before tax	$ 49,894	$ (37,164)
Total other comprehensive income (loss), tax effect	(11,275)	8,830
Total other comprehensive income (loss), net of tax	38,619	(28,334)
Debt securities available for sale and interest-only strips
Net unrealized gains (losses) arising during the period, before tax	48,628	(37,892)
Net unrealized gains (losses) arising during the period, tax effect	(11,836)	9,538
Net unrealized gains (losses) arising during the period, net of tax	36,792	(28,354)
Reclassification of net (gains) losses from accumulated other comprehensive income (loss), before tax	761	713
Reclassification of net (gains) losses from accumulated other comprehensive income (loss), tax effect	(185)	(178)
Reclassification of net (gains) losses from accumulated other comprehensive income (loss), net of tax	576	535
Net unrealized gains (losses) on debt securities available for sale and interest-only strips, before taxes	49,389	(37,179)
Net unrealized gains (losses) on debt securities available for sale and interest-only strips, tax effect	(12,021)	9,360
Net unrealized gains (losses) on debt securities available for sale and interest-only strips, net of tax	37,368	(27,819)
Net investment hedges
Net unrealized gains (losses) on net investment hedges, before tax	(3,050)	2,137
Net unrealized gains (losses) on net investment hedges, tax effect	742	(533)
Net unrealized gains (losses) on net investment hedges, net of tax	(2,308)	1,604
Other Comprehensive Income (Loss), Foreign Currency Transaction and Translation Adjustment, Net of Tax [Abstract]
Foreign currency translation adjustment, before tax	3,567	(2,110)
Foreign currency translation adjustment, tax effect	0	0
Foreign currency translation adjustment, net of tax	3,567	(2,110)
Other Comprehensive (Income) Loss, Defined Benefit Plan, after Reclassification Adjustment, after Tax [Abstract]
Reclassification of amortization of prior service cost to Other non-interest expense, before tax	(12)	(12)
Reclassification of amortization of prior service cost to Other non-interest expense, tax effect	4	3
Reclassification of amortization of prior service cost to Other non-interest expense, net of tax	(8)	(9)
Total interest income
Debt securities available for sale and interest-only strips
Reclassification of net (gains) losses from accumulated other comprehensive income (loss), before tax	1,370	276
Reclassification of net (gains) losses from accumulated other comprehensive income (loss), tax effect	(333)	(69)
Reclassification of net (gains) losses from accumulated other comprehensive income (loss), net of tax	1,037	207
Gains (losses) on debt securities, net
Debt securities available for sale and interest-only strips
Reclassification of net (gains) losses from accumulated other comprehensive income (loss), before tax	(447)	0
Reclassification of net (gains) losses from accumulated other comprehensive income (loss), tax effect	109	0
Reclassification of net (gains) losses from accumulated other comprehensive income (loss), net of tax	(338)	0
Other non-interest expense
Debt securities available for sale and interest-only strips
Reclassification of net (gains) losses from accumulated other comprehensive income (loss), before tax	(162)	437
Reclassification of net (gains) losses from accumulated other comprehensive income (loss), tax effect	39	(109)
Reclassification of net (gains) losses from accumulated other comprehensive income (loss), net of tax	$ (123)	$ 328

Accumulated Other Comprehensi_4

Accumulated Other Comprehensive Income (Loss) - Components of Accumulated Other Comprehensive Income (Loss) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Changes in accumulated other comprehensive income by component
Balance, beginning of period	$ (33,138)	$ (18,517)
Other comprehensive income (loss)	38,051	(28,860)
Amounts reclassified from accumulated other comprehensive income (loss)	568	526
Total other comprehensive income (loss), net of tax	38,619	(28,334)
Balance, end of period	5,481	(46,851)
Net Unrealized Gains (Losses) on Debt Securities Available for Sale and Interest-Only Strips
Changes in accumulated other comprehensive income by component
Balance, beginning of period	(28,022)	(16,353)
Other comprehensive income (loss)	36,792	(28,354)
Amounts reclassified from accumulated other comprehensive income (loss)	576	535
Total other comprehensive income (loss), net of tax	37,368	(27,819)
Balance, end of period	9,346	(44,172)
Net Unrealized Gains (Losses) on Net Investment Hedges
Changes in accumulated other comprehensive income by component
Balance, beginning of period	14,986	4,536
Other comprehensive income (loss)	(2,308)	1,604
Amounts reclassified from accumulated other comprehensive income (loss)	0	0
Total other comprehensive income (loss), net of tax	(2,308)	1,604
Balance, end of period	12,678	6,140
Foreign Currency Translation Adjustment
Changes in accumulated other comprehensive income by component
Balance, beginning of period	(20,211)	(6,843)
Other comprehensive income (loss)	3,567	(2,110)
Amounts reclassified from accumulated other comprehensive income (loss)	0	0
Total other comprehensive income (loss), net of tax	3,567	(2,110)
Balance, end of period	(16,644)	(8,953)
Recognized Postretirement Prior Service Cost
Changes in accumulated other comprehensive income by component
Balance, beginning of period	109	143
Other comprehensive income (loss)	0	0
Amounts reclassified from accumulated other comprehensive income (loss)	(8)	(9)
Total other comprehensive income (loss), net of tax	(8)	(9)
Balance, end of period	$ 101	$ 134