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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

FORM 10-Q

þ☑ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d)

OF THE SECURITIES EXCHANGE ACT OF 1934

For the quarterly period ended

~~March~~June 3130, 2019

¨☐ Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

Commission File No. 001-10253

TCF Financial Corporation

(Exact name of registrant as specified in its charter)



Delaware	41-1591444
(State or other jurisdiction of incorporation or organization)	(I.R.S. Employer Identification No.)

200 Lake Street East

Wayzata, Minnesota 55391-1693

(Address and Zip Code of principal executive offices)

(952) 745-2760

(Registrant's telephone number, including area code)

Securities registered pursuant to Section 12(b) of the Act:



Title of each class	Trading Symbol(s)	Name of each exchange on which registered
Common Stock (par value $.01 per share)	TCF	New York Stock Exchange
Depositary shares, each representing a 1/1000th interest in a share of the 5.70% Series C Non-Cumulative Perpetual Preferred Stock	TCF-PD	New York Stock Exchange

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.

Yes þ☑ No ¨☐

Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files).

Yes þ☑ No ¨☐

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging growth company. See the definitions of "large accelerated filer," "accelerated filer," "smaller reporting company," and "emerging growth company" in Rule 12b-2 of the Exchange Act.

Large accelerated filer þ☑ Accelerated filer ¨☐ Non-accelerated filer ¨☐ Smaller reporting company ¨☐ Emerging growth company ¨☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ¨☐

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).

Yes ¨☐ No þ☑

~~Securities~~As ~~registered~~of ~~pursuant~~July 30, to2019, ~~Section~~there ~~12(b)~~were 161,235,844 shares outstanding of the ~~Act:~~registrant's common stock, par value $.01 per share, its only outstanding class of common stock.

(Title of each class)	(Trading Symbols)	(Name of each exchange on which registered)
Common Stock (par value $.01 per share)	TCF	New York Stock Exchange
Depositary shares, each representing a 1/1000th interest in a share of 5.70% Series C Non-Cumulative Perpetual Preferred Stock	TCF-PD	New York Stock Exchange

As of April 25, 2019, there were 164,187,744 shares outstanding of the registrant's common stock, par value $.01 per share, its only outstanding class of common stock.

Table of Contents

TABLE OF CONTENTS

Description	Page
Part I - Financial Information
Item 1. Financial Statements.
Consolidated Statements of Financial Condition atMarch 31, 2019 (Unaudited) and December 31, 2018	1
Consolidated Statements of Financial Condition atJune 30, 2019 (Unaudited) and December 31, 2018	1
Consolidated Statements of Income for theQuarter Ended March 31, 2019 and 2018 (Unaudited)	2
Consolidated Statements of Income for theSecond Quarter and Six Months Ended June 30, 2019 and 2018 (Unaudited)	2
Consolidated Statements of Comprehensive Income for theQuarter Ended March 31, 2019 and 2018 (Unaudited)	3
Consolidated Statements of Comprehensive Income for theSecond Quarter and Six Months Ended June 30, 2019 and 2018 (Unaudited)	3
Consolidated Statements of Equity for theQuarter Ended March 31, 2019 and 2018 (Unaudited)	4
Consolidated Statements of Equity for theSecond Quarter and Six Months Ended June 30, 2019 and 2018 (Unaudited)	4
Consolidated Statements of Cash Flows for theQuarter Ended March 31, 2019 and 2018 (Unaudited)	5
Consolidated Statements of Cash Flows for theSix Months Ended June 30, 2019 and 2018 (Unaudited)	6
Notes to Consolidated Financial Statements (Unaudited)	67
Item 2. Management's Discussion and Analysis ofFinancial Condition and Results of Operations.	4047
Item 3. Quantitative and Qualitative Disclosures About Market Risk.	5970
Item 4. Controls and Procedures.	6071
Part II - Other Information
Items 1 - 6.	6172
Signatures	6475

Table of Contents

Part I - Financial Information

Item 1. Financial Statements.

TCF FINANCIAL CORPORATION AND SUBSIDIARIES

Consolidated Statements of Financial Condition

(Dollars in thousands, except per share data)	At ~~March~~June 3130, 2019			At December 31, 2018
	(Unaudited)
Assets:
Cash and due from banks	$	~~463~~555,~~822~~271		$	587,057
Investments	~~103~~105,~~644~~659			91,654
Debt securities held to maturity	~~148~~144,~~024~~919			148,852
Debt securities available for sale	23,~~945~~109,~~342~~803			2,470,065
Loans and leases held for sale	6474,~~468~~410			90,664
Loans and leases:
Consumer real estate:
First mortgage lien	2,~~480~~472,~~750~~066			2,444,380
Junior lien	2,~~872~~821,~~807~~099			2,965,960
Total consumer real estate	5,~~353~~293,~~557~~165			5,410,340
Commercial	34,~~884~~185,~~106~~811			3,851,303
Leasing and equipment finance	4,~~674~~826,~~309~~785			4,699,740
Inventory finance	3,~~749~~404,~~146~~214			3,107,356
Auto finance	1,~~704~~456,~~614~~138			1,982,277
Other	1718,~~943~~341			21,295
Total loans and leases	19,~~383~~184,~~675~~454			19,072,311
Allowance for loan and lease losses	(~~147~~146,~~972~~503		)	(157,446		)
Net loans and leases	19,~~235~~037,~~703~~951			18,914,865
Premises and equipment, net	~~429~~432,~~711~~751			427,534
Goodwill, net	154,757			154,757
Other assets	~~873~~1,~~244~~011,309			814,164
Total assets	$	24,~~418~~626,~~715~~830		$	23,699,612
Liabilities and Equity:
Deposits:
Checking	$	6,~~621~~544,~~261~~470		$	6,381,327
Savings	6,~~442~~519,~~544~~587			6,122,257
Money market	1,~~468~~443,~~308~~003			1,609,422
Certificates of deposit	4,~~491~~605,~~998~~327			4,790,680
Total deposits	19,~~024~~112,~~111~~387			18,903,686
Borrowings:
Short-term borrowings	~~355~~350,~~992~~764			—
Long-term borrowings	1,~~411~~617,~~426~~531			1,449,472
Total borrowings	1,~~767~~968,~~418~~295			1,449,472
Accrued expenses and other liabilities	~~981~~835,~~341~~630			790,194
Total liabilities	21,~~772~~916,~~870~~312			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
173,083,763 and 173,584,846 shares issued	1,731			1,736
Additional paid-in capital	~~875~~868,~~797~~001			885,089
Retained earnings, subject to certain restrictions	1,~~810~~874,~~701~~308			1,766,994
Accumulated other comprehensive income (loss)	537,~~481~~334			(33,138		)
Treasury stock at cost, 9,367,165 and 9,661,619 shares and other	(246,621		)	(252,182		)
Treasury stock at cost, 10,313,700 and 9,661,619 shares and other	(265,016		)	(252,182		)
Total TCF Financial Corporation stockholders' equity	2,~~616~~685,~~393~~660			2,537,801
Non-controlling interest in subsidiaries	2924,~~452~~858			18,459
Total equity	2,~~645~~710,~~845~~518			2,556,260
Total liabilities and equity	$	24,~~418~~626,~~715~~830		$	23,699,612

See accompanying notes to consolidated financial statements.

Table of Contents

TCF FINANCIAL CORPORATION AND SUBSIDIARIES

Consolidated Statements of Income (Unaudited)

	Quarter Ended March 31,
	Quarter Ended June 30,				Six Months Ended June 30,
(In thousands, except per share data)	2019		2018		2019		2018
Interest income:
Loans and leases	$	279,~~594~~447	$	~~260~~269,~~375~~280	$	559,041	$	529,655
Debt securities available for sale	1822,~~815~~325		1012,~~123~~516		41,140		22,639
Debt securities held to maturity	~~535~~924		~~1,019~~998		1,459		2,017
Loans held for sale and other	4,~~301~~247		3,~~745~~529		8,548		7,274
Total interest income	~~303~~306,~~245~~943		~~275~~286,~~262~~323		610,188		561,585
Interest expense:
Deposits	3740,~~480~~542		2223,~~510~~953		78,022		46,463
Borrowings	1416,~~858~~077		911,~~553~~571		30,935		21,124
Total interest expense	5256,~~338~~619		3235,~~063~~524		108,957		67,587
Net interest income	250,~~907~~324		~~243~~250,~~199~~799		501,231		493,998
Provision for credit losses	1013,~~122~~569		1114,~~368~~236		23,691		25,604
Net interest income after provision for credit losses	~~240~~236,~~785~~755		~~231~~236,~~831~~563		477,540		468,394
Non-interest income:
Leasing and equipment finance	4142,~~139~~126		4142,~~847~~904		83,265		84,751
Fees and service charges	3132,~~324~~477		3032,~~751~~670		63,801		63,421
Card revenue	1415,~~243~~632		1314,~~759~~962		29,875		28,721
ATM revenue	4,~~440~~863		4,~~650~~933		9,303		9,583
Gains on sales of loans, net	710,~~972~~828		97,~~123~~192		18,800		16,315
Servicing fee income	54,~~110~~523		87,~~295~~484		9,633		15,779
Gains (losses) on debt securities, net	~~451~~1,066		6324		1,517		87
Other	21,~~347~~936		3,~~716~~934		4,283		7,650
Total non-interest income	~~107~~113,~~026~~451		~~112~~114,~~204~~103		220,477		226,307
Non-interest expense:
Compensation and employee benefits	~~121~~114,~~557~~369		~~123~~120,~~840~~575		235,926		244,415
Occupancy and equipment	41,~~737~~828		40,~~514~~711		83,565		81,225
Lease financing equipment depreciation	19,~~256~~133		17,~~274~~945		38,389		35,219
Foreclosed real estate and repossessed assets, net	42,~~630~~448		43,~~916~~857		7,078		8,773
Merger-related expenses	94,~~458~~226		—		13,684		—
Other	5654,~~437~~845		5988,~~436~~951		111,282		148,387
Total non-interest expense	~~253~~236,~~075~~849		~~245~~272,~~980~~039		489,924		518,019
Income before income tax expense	94113,~~736~~357		9878,~~055~~627		208,093		176,682
Income tax expense	2119,~~287~~314		2116,~~631~~418		40,601		38,049
Income after income tax expense	7394,~~449~~043		7662,~~424~~209		167,492		138,633
Income attributable to non-controlling interest	23,~~955~~616		23,~~663~~460		6,571		6,123
Net income attributable to TCF Financial Corporation	7090,~~494~~427		7358,~~761~~749		160,921		132,510
Preferred stock dividends	2,~~493~~494		42,~~106~~494		4,987		6,600
Impact of preferred stock redemption	—		~~3,481~~—		—		3,481
Net income available to common stockholders	$	6887,~~001~~933	$	6656,~~174~~255	$	155,934	$	122,429
Earnings per common share:
Basic	$	0.4254	$	0.3934	$	0.96	$	0.73
Diluted	0.4254		0.3934		0.96		0.73
Weighted-average common shares outstanding:
Basic	161,~~865~~973,~~270~~864		~~168~~165,~~507~~728,~~448~~591		161,919,867		167,110,343
Diluted	162,~~427~~305,~~823~~154		~~169~~166,~~997~~857,~~146~~640		162,364,168		168,464,546

See accompanying notes to consolidated financial statements.

Table of Contents

TCF FINANCIAL CORPORATION AND SUBSIDIARIES

Consolidated Statements of Comprehensive Income (Unaudited)

	Quarter Ended March 31,
	Quarter Ended June 30,						Six Months Ended June 30,
(In thousands)	2019			2018			2019			2018
Net income attributable to TCF Financial Corporation	$	7090,~~494~~427		$	7358,~~761~~749		$	160,921		$	132,510
Other comprehensive income (loss), net of tax:
Net unrealized gains (losses) on debt securities available for sale and interest-only strips	3730,~~368~~625			(274,~~819~~806		)	67,993			(32,625		)
Net unrealized gains (losses) on net investment hedges	(2,~~308~~179		)	13,~~604~~779			(4,487		)	5,383
Foreign currency translation adjustment	3,~~567~~415			(24,~~110~~925		)	6,982			(7,035		)
Recognized postretirement prior service cost	(8		)	(98		)	(16		)	(17		)
Total other comprehensive income (loss), net of tax	3831,~~619~~853			(285,~~334~~960		)	70,472			(34,294		)
Comprehensive income	$	~~109~~122,~~113~~280		$	4552,~~427~~789		$	231,393		$	98,216

See accompanying notes to consolidated financial statements.

Table of Contents

TCF FINANCIAL CORPORATION AND SUBSIDIARIES

Consolidated Statements of Equity (Unaudited)

For the Quarter Ended ~~March~~June 3130, 2019 and 2018

	TCF Financial Corporation
	Number ofShares Issued			Preferred Stock		Common Stock			AdditionalPaid-in Capital			Retained Earnings			Accumulated OtherComprehensive Income (Loss)			TreasuryStock and Other			Total			Non-controlling Interest			Total Equity
(Dollars in thousands)	Preferred	Common
Balance, December 31, 2018	7,000	173,584,846		$	169,302	$	1,736		$	885,089		$	1,766,994		$	(33,138	)	$	(252,182	)	$	2,537,801		$	18,459		$	2,556,260
Net income	—	—		—		—			—			70,494			—			—			70,494			2,955			73,449
Other comprehensive income (loss), net of tax	—	—		—		—			—			—			38,619			—			38,619			—			38,619
Net investment by (distribution to) non-controlling interest	—	—		—		—			—			—			—			—			—			8,038			8,038
Dividends on 5.70% Series C Preferred Stock	—	—		—		—			—			(2,493		)	—			—			(2,493		)	—			(2,493		)
Dividends on common stock of $0.15 per common share	—	—		—		—			—			(24,294		)	—			—			(24,294		)	—			(24,294		)
Stock compensation plans, net of tax	—	(266,526	)	—		(3		)	(10,522		)	—			—			6,791			(3,734		)	—			(3,734		)
Change in shares held in trust for deferred compensation plans, at cost	—	—		—		—			1,230			—			—			(1,230		)	—			—			—
Balance, March 31, 2019	7,000	173,318,320		$	169,302	$	1,733		$	875,797		$	1,810,701		$	5,481		$	(246,621	)	$	2,616,393		$	29,452		$	2,645,845
Net income	—	—		—		—			—			90,427			—			—			90,427			3,616			94,043
Other comprehensive income (loss), net of tax	—	—		—		—			—			—			31,853			—			31,853			—			31,853
Net investment by (distribution to) non-controlling interest	—	—		—		—			—			—			—			—			—			(8,210		)	(8,210		)
Repurchases of 1,324,920 shares of common stock	—	—		—		—			—			—			—			(26,495		)	(26,495		)	—			(26,495		)
Dividends on 5.70% Series C Preferred Stock	—	—		—		—			—			(2,494		)	—			—			(2,494		)	—			(2,494		)
Dividends on common stock of $0.15 per common share	—	—		—		—			—			(24,326		)	—			—			(24,326		)	—			(24,326		)
Stock compensation plans, net of tax	—	(234,557	)	—		(2		)	(8,423		)	—			—			8,727			302			—			302
Change in shares held in trust for deferred compensation plans, at cost	—	—		—		—			627			—			—			(627		)	—			—			—
Balance, June 30, 2019	7,000	173,083,763		$	169,302	$	1,731		$	868,001		$	1,874,308		$	37,334		$	(265,016	)	$	2,685,660		$	24,858		$	2,710,518

Balance, December 31, 2017	4,007,000		172,158.449	$	265,821		$	1,722	$	877,217		$	1,577,311		$	(18,517	)	$	(40,797	)	$	2,662,757		$	17,827		$	2,680,584
Change in accounting principle	—		—	—			—		—			(116		)	—			—			(116		)	—			(116		)
Balance, January 1, 2018	4,007,000		172,158,449	265,821			1,722		877,217			1,577,195			(18,517		)	(40,797		)	2,662,641			17,827			2,680,468
Net income	—		—	—			—		—			73,761			—			—			73,761			2,663			76,424
Other comprehensive income (loss), net of tax	—		—	—			—		—			—			(28,334		)	—			(28,334		)	—			(28,334		)
Net investment by (distribution to) non-controlling interest	—		—	—			—		—			—			—			—			—			7,947			7,947
Redemption of Series B Preferred Stock	(4,000,000	)	—	(96,519		)	—		—			(3,481		)	—			—			(100,000		)	—			(100,000		)
Repurchases of 2,567,171 shares of common stock	—		—	—			—		—			—			—			(57,673		)	(57,673		)	—			(57,673		)
Dividends on 6.45% Series B Preferred Stock	—		—	—			—		—			(1,613		)	—			—			(1,613		)	—			(1,613		)
Dividends on 5.70% Series C Preferred Stock	—		—	—			—		—			(2,493		)	—			—			(2,493		)	—			(2,493		)
Dividends on common stock of $0.15 per common share	—		—	—			—		—			(25,328		)	—			—			(25,328		)	—			(25,328		)
Common stock warrants exercised	—		1,196	—			—		—			—			—			—			—			—			—
Common shares purchased by TCF employee benefit plans	—		34,627	—			—		715			—			—			—			715			—			715
Stock compensation plans, net of tax	—		277,763	—			3		834			—			—			—			837			—			837
Change in shares held in trust for deferred compensation plans, at cost	—		—	—			—		(670		)	—			—			670			—			—			—
Balance, March 31, 2018	7,000		172,472,035	$	169,302		$	1,725	$	878,096		$	1,618,041		$	(46,851	)	$	(97,800	)	$	2,522,513		$	28,437		$	2,550,950
Net income	—		—	—			—		—			58,749			—			—			58,749			3,460			62,209
Other comprehensive income (loss), net of tax	—		—	—			—		—			—			(5,960		)	—			(5,960		)	—			(5,960		)
Net investment by (distribution to) non-controlling interest	—		—	—			—		—			—			—			—			—			(8,251		)	(8,251		)
Repurchases of 2,780,835 shares of common stock	—		—	—			—		—			—			—			(68,213		)	(68,213		)	—			(68,213		)
Dividends on 5.70% Series C Preferred Stock	—		—	—			—		—			(2,494		)	—			—			(2,494		)	—			(2,494		)
Dividends on common stock of $0.15 per common share	—		—	—			—		—			(24,847		)	—			—			(24,847		)	—			(24,847		)
Common stock warrants exercised	—		969,565	—			10		(10		)	—			—			—			—			—			—
Stock compensation plans, net of tax	—		80,407	—			—		1,184			—			—			—			1,184			—			1,184
Change in shares held in trust for deferred compensation plans, at cost	—		—	—			—		(1,906		)	—			—			1,906			—			—			—
Balance, June 30, 2018	7,000		173,522,007	$	169,302		$	1,735	$	877,364		$	1,649,449		$	(52,811	)	$	(164,107	)	$	2,480,932		$	23,646		$	2,504,578

See accompanying notes to consolidated financial statements.

Table of Contents

TCF FINANCIAL CORPORATION AND SUBSIDIARIES

Consolidated Statements of ~~Cash~~Equity ~~Flows~~ (Unaudited)

	Quarter Ended March 31,
(In thousands)	2019			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 (benefit) 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 available for sale	205,862			—
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		)	—
Redemption of Series B preferred stock	—			(100,000		)
Repurchases of common stock	—			(54,371		)
Common shares sold to TCF employee benefit plans	—			715
Dividends paid on preferred stock	(2,493		)	(4,106		)
Dividends paid on common stock	(24,294		)	(25,328		)
Exercise of stock options	—			(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
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			—

For the Six Months Ended June 30, 2019 and 2018



	TCF Financial Corporation
	Number of Shares Issued				Preferred Stock			Common Stock			Additional Paid-in Capital			Retained Earnings			Accumulated Other Comprehensive Income (Loss)			Treasury Stock and Other			Total			Non- controlling Interest			Total Equity
(Dollars in thousands)	Preferred		Common
Balance, December 31, 2018	7,000		173,584,846		$	169,302		$	1,736		$	885,089		$	1,766,994		$	(33,138	)	$	(252,182	)	$	2,537,801		$	18,459		$	2,556,260
Net income	—		—		—			—			—			160,921			—			—			160,921			6,571			167,492
Other comprehensive income (loss), net of tax	—		—		—			—			—			—			70,472			—			70,472			—			70,472
Net investment by (distribution to) non-controlling interest	—		—		—			—			—			—			—			—			—			(172		)	(172		)
Repurchases of 1,324,920 shares of common stock	—		—		—			—			—			—			—			(26,495		)	(26,495		)	—			(26,495		)
Dividends on 5.70% Series C Preferred Stock	—		—		—			—			—			(4,987		)	—			—			(4,987		)	—			(4,987		)
Dividends on common stock of $0.30 per common share	—		—		—			—			—			(48,620		)	—			—			(48,620		)	—			(48,620		)
Stock compensation plans, net of tax	—		(501,083	)	—			(5		)	(18,945		)	—			—			15,518			(3,432		)	—			(3,432		)
Change in shares held in trust for deferred compensation plans, at cost	—		—		—			—			1,857			—			—			(1,857		)	—			—			—
Balance, June 30, 2019	7,000		173,083,763		$	169,302		$	1,731		$	868,001		$	1,874,308		$	37,334		$	(265,016	)	$	2,685,660		$	24,858		$	2,710,518

Balance, December 31, 2017	4,007,000		172,158,449		$	265,821		$	1,722		$	877,217		$	1,577,311		$	(18,517	)	$	(40,797	)	$	2,662,757		$	17,827		$	2,680,584
Change in accounting principle	—		—		—			—			—			(116		)	—			—			(116		)	—			(116		)
Balance, January 1, 2018	4,007,000		172,158,449		265,821			1,722			877,217			1,577,195			(18,517		)	(40,797		)	2,662,641			17,827			2,680,468
Net income	—		—		—			—			—			132,510			—			—			132,510			6,123			138,633
Other comprehensive income (loss), net of tax	—		—		—			—			—			—			(34,294		)	—			(34,294		)	—			(34,294		)
Net investment by (distribution to) non-controlling interest	—		—		—			—			—			—			—			—			—			(304		)	(304		)
Redemption of Series B Preferred Stock	(4,000,000	)	—		(96,519		)	—			—			(3,481		)	—			—			(100,000		)	—			(100,000		)
Repurchases of 5,348,006 shares of common stock	—		—		—			—			—			—			—			(125,886		)	(125,886		)	—			(125,886		)
Dividends on 6.45% Series B Preferred Stock	—		—		—			—			—			(1,613		)	—			—			(1,613		)	—			(1,613		)
Dividends on 5.70% Series C Preferred Stock	—		—		—			—			—			(4,987		)	—			—			(4,987		)	—			(4,987		)
Dividends on common stock of $0.30 per common share	—		—		—			—			—			(50,175		)	—			—			(50,175		)	—			(50,175		)
Common stock warrants exercised	—		970,761		—			10			(10		)	—			—			—			—			—			—
Common shares purchased by TCF employee benefit plans	—		34,627		—			—			715			—			—			—			715			—			715
Stock compensation plans, net of tax	—		358,170		—			3			2,018			—			—			—			2,021			—			2,021
Change in shares held in trust for deferred compensation plans, at cost	—		—		—			—			(2,576		)	—			—			2,576			—			—			—
Balance, June 30, 2018	7,000		173,522,007		$	169,302		$	1,735		$	877,364		$	1,649,449		$	(52,811	)	$	(164,107	)	$	2,480,932		$	23,646		$	2,504,578

See accompanying notes to consolidated financial statements.

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TCF FINANCIAL CORPORATION AND SUBSIDIARIES

Consolidated Statements of Cash Flows (Unaudited)



	Six Months Ended June 30,
(In thousands)	2019			2018
Cash flows from operating activities:
Net income	$	167,492		$	138,633
Adjustments to reconcile net income to net cash provided by (used in) operating activities:
Provision for credit losses	23,691			25,604
Depreciation and amortization	114,529			110,235
Provision (benefit) for deferred income taxes	28,693			19,958
Proceeds from sales of loans and leases held for sale	178,802			157,088
Originations of loans and leases held for sale, net of repayments	(185,848		)	(168,792		)
Gains on sales of assets, net	(34,648		)	(18,589		)
Net change in other assets and accrued expenses and other liabilities	(56,517		)	21,328
Other, net	(23,289		)	(22,102		)
Net cash provided by (used in) operating activities	212,905			263,363
Cash flows from investing activities:
Proceeds from sales of debt securities available for sale	408,230			—
Proceeds from maturities of and principal collected on debt securities	149,598			77,383
Purchases of debt securities	(1,147,642		)	(650,051		)
Redemption of Federal Home Loan Bank stock	68,000			126,001
Purchases of Federal Home Loan Bank stock	(82,000		)	(139,000		)
Proceeds from sales of loans and leases	414,974			370,934
Loan and lease originations and purchases, net of principal collected on loans and leases	(556,311		)	(98,923		)
Proceeds from sales of assets	49,996			20,913
Purchases of premises and equipment and lease equipment	(68,284		)	(78,592		)
Other, net	3,034			10,317
Net cash provided by (used in) investing activities	(760,405		)	(361,018		)
Cash flows from financing activities:
Net change in deposits	230,161			30,204
Net change in short-term borrowings	350,765			911
Proceeds from long-term borrowings	1,737,159			5,015,317
Payments on long-term borrowings	(1,724,630		)	(4,705,436		)
Payments on liabilities related to acquisition and portfolio purchase	(1,000		)	—
Redemption of Series B preferred stock	—			(100,000		)
Repurchases of common stock	(22,962		)	(125,886		)
Common shares sold to TCF employee benefit plans	—			715
Dividends paid on preferred stock	(4,987		)	(6,600		)
Dividends paid on common stock	(48,620		)	(50,175		)
Exercise of stock options	—			(997		)
Net investment by (distribution to) non-controlling interest	(172		)	(304		)
Net cash provided by (used in) financing activities	515,714			57,749
Net change in cash and due from banks	(31,786		)	(39,906		)
Cash and due from banks at beginning of period	587,057			621,782
Cash and due from banks at end of period	$	555,271		$	581,876
Supplemental disclosures of cash flow information and non-cash investing and financing activities:
Cash paid (received) for:
Interest on deposits and borrowings	$	103,413		$	64,294
Income taxes, net	7,374			(22,439		)
Transfer of loans and leases to other assets	48,025			50,078
Transfer of loans and leases from held for investment to held for sale, net	375,084			514,273
Operating lease right-of-use assets arising from obtaining operating lease liabilities	94,127			—
Pricing of subordinated bank notes due in 2029	148,555			—

See accompanying notes to consolidated financial statements.

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TCF FINANCIAL CORPORATION AND SUBSIDIARIES

Notes to Consolidated Financial Statements (Unaudited)

Note 1. 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.

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.

Note 2. 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~~financial holding company headquartered in Detroit, Michigan, with $2122.8 5 billion in assets at ~~March~~June 3130, 2019. ~~The~~Upon ~~merger~~closing isof ~~expected~~the tomerger, ~~close~~Chemical inwill continue as the ~~late~~surviving ~~third~~company orand ~~early~~will ~~fourth~~be ~~quarter~~renamed ofTCF ~~2019,~~Financial ~~subject~~Corporation. toAll ~~satisfaction~~shares of ~~customary~~its ~~closing~~common ~~conditions,~~and ~~including~~preferred ~~regulatory~~stock ~~approvals~~will be listed on The NASDAQ Stock Market®. All regulatory and ~~approval~~shareholder byapprovals for the ~~shareholders~~merger ofhave been received by TCF and Chemical. ~~Under~~and the ~~terms~~merger ofis ~~the~~expected ~~Merger~~to ~~Agreement,~~close ~~which~~on ~~has~~August ~~been~~1, ~~unanimously~~2019, ~~approved~~subject byto the ~~boards~~satisfaction of ~~directors~~customary closing conditions. Under the terms of ~~both~~the ~~companies~~Merger Agreement, 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% of the combined company, respectively, on a fully diluted basis.

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Note 3. Summary of Significant Accounting Policies

Accounting policies in effect at December 31, 2018 remain ~~significantly~~substantially unchanged and have been followed similarly as in previous periods except for the lease financing accounting policy. ~~These~~The 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.

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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.

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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.

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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, which clarifies and corrects certain unintended applications of the guidance contained in each of the amended Topics. In May 2019, the FASB issued ASU No. 2019-05, Financial Instruments - Credit Losses (Topic 326): Targeted Transition Relief, which provides an option to irrevocably elect the fair value option in Subtopic 825-10 to certain instruments within the scope of Subtopic 326-20 upon adoption of Topic 326.The adoption of these ASUs will be required on a modified retrospective basis with a cumulative effect adjustment required beginning with TCF's Quarterly Report on Form 10-Q for the quarter ending March 31, 2020. Early adoption is allowed. Management is currently evaluating the potential impact of this guidance on our consolidated financial statements. CECL represents a significant change in GAAP and may result in a material impact to our consolidated financial statements and capital ratios. The impact of these ASUs will depend on the composition of TCF's portfolios and general economic conditions at the date of adoption. Additionally, there are several implementation questions which could affect the adoption impact once resolved. TCF has established a governance structure to implement these ASUs and ishas ~~developing~~developed a majority of the methodologies and models to be used upon adoption. During the second quarter of 2019, TCF began the process of performing parallel runs for CECL alongside our current allowance process. Management will continue to ~~develop~~refine and validate the new methodologies and models throughout 2019.

Note 4. Cash and Due from Banks

At ~~March~~June 3130, 2019 and December 31, 2018, TCF Bank was required by Federal Reserve regulations to maintain reserves of $~~117~~109.46 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 $3427.18 million and $38.3 million at ~~March~~June 3130, 2019 and December 31, 2018, respectively.

TCF had cash held in interest-bearing accounts of $~~180~~260.27 million and $307.8 million at ~~March~~June 3130, 2019 and December 31, 2018, respectively.

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Note 5. Debt Securities Available for Sale and Debt Securities Held to Maturity

Debt securities were as follows:

	At March 31, 2019								At December 31, 2018
	At June 30, 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~~893,~~426~~169	$	3160,~~187~~257	$	133,~~102~~903	$	2,~~584~~949,~~511~~523	$	1,930,696	$	9,222	$	26,728	$	1,913,190
Other	43		—		—		43		4		—		—		4
Obligations of states and political subdivisions	~~358~~155,~~118~~664		34,~~330~~613		~~621~~—		~~360~~160,~~827~~277		566,304		46		9,479		556,871
Total debt securities available for sale	$	23,~~924~~048,~~548~~836	$	3464,~~517~~870	$	133,~~723~~903	$	23,~~945~~109,~~342~~803	$	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~~141,~~403~~298	$	36,~~755~~138	$	~~548~~279	$	147,~~610~~157	$	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~~144,~~024~~919	$	36,~~755~~138	$	~~548~~279	$	~~151~~150,~~231~~778	$	148,852	$	1,460	$	1,045	$	149,267

At ~~March~~June 3130, 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~~1.1 ~~thousand~~million and $631.5 ~~thousand~~million for the ~~first~~second quarter and first six months of 2019, respectively, and ~~2018,~~$24 ~~respectively~~thousand and $87 thousand for the same periods in 2018. During the ~~first~~second quarter and first six months of 2019, TCF sold $~~205~~201.43 million and $406.7 million, respectively, of obligations of states and political subdivisions debt securities available for sale and recognized a net ~~gain~~gains of $~~447~~1.1 ~~thousand~~million and $1.5 million, respectively. There were no sales of debt securities available for sale during the ~~first~~second quarter and first six months of 2018. There were no impairment charges on debt securities available for sale and debt securities held to maturity during the ~~first~~second quarter and first six months of 2019 and 2018. The net gains (losses) on debt securities for ~~both~~the ~~periods~~first ~~include~~six months of 2019 and 2018 also included recoveries on previously impaired debt securities held to maturity.

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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
	At June 30, 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	$	41,~~943~~240	$	4	$	~~748~~373,~~535~~910	$	133,~~098~~899	$	~~753~~375,~~478~~150	$	133,~~102~~903
Obligations of states and political subdivisions	—		—		77,036		621		77,036		621
Total debt securities available for sale	$	1,240	$	4	$	373,910	$	3,899	$	375,150	$	3,903
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—	$	2614,~~871~~792	$	~~545~~279	$	2614,~~978~~792	$	~~548~~279
Total debt securities held to maturity	$	~~107~~—	$	3—	$	2614,~~871~~792	$	~~545~~279	$	2614,~~978~~792	$	~~548~~279



	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
	At June 30, 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	$	2114,~~220~~616	$	2114,~~241~~556	$	24,464	$	24,375
Due in 5-10 years	~~367~~240,~~273~~240		~~369~~247,~~916~~026		509,832		503,768
Due after 10 years	2,~~536~~793,~~055~~980		2,~~554~~848,~~185~~221		1,962,708		1,941,922
Total debt securities available for sale	$	23,~~924~~048,~~548~~836	$	23,~~945~~109,~~342~~803	$	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~~463		~~431~~470		430		432
Due after 10 years	~~144~~141,~~446~~306		147,~~650~~158		146,022		146,435
Total debt securities held to maturity	$	~~148~~144,~~024~~919	$	~~151~~150,~~231~~778	$	148,852	$	149,267

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Interest income attributable to debt securities available for sale was as follows:

	Quarter Ended March 31,
	Quarter Ended June 30,				Six Months Ended June 30,
(In thousands)	2019		2018		2019		2018
Taxable interest income	$	1621,~~131~~117	$	58,~~813~~163	$	37,248	$	13,976
Tax-exempt interest income	21,~~684~~208		4,~~310~~353		3,892		8,663
Total interest income	$	1822,~~815~~325	$	1012,~~123~~516	$	41,140	$	22,639

Note 6. Loans and Leases

Loans and leases were as follows:

(In thousands)	At ~~March~~June 3130, 2019		At December 31, 2018
Consumer real estate:
First mortgage lien	$	2,~~480~~472,~~750~~066	$	2,444,380
Junior lien	2,~~872~~821,~~807~~099		2,965,960
Total consumer real estate	5,~~353~~293,~~557~~165		5,410,340
Commercial:
Commercial real estate:
Permanent	2,~~564~~762,~~187~~500		2,510,583
Construction and development	~~401~~499,~~455~~788		397,564
Total commercial real estate	23,~~965~~262,~~642~~288		2,908,147
Commercial business	~~918~~923,~~464~~523		943,156
Total commercial	34,~~884~~185,~~106~~811		3,851,303
Leasing and equipment finance	4,~~674~~826,~~309~~785		4,699,740
Inventory finance	3,~~749~~404,~~146~~214		3,107,356
Auto finance	1,~~704~~456,~~614~~138		1,982,277
Other	1718,~~943~~341		21,295
Total loans and leases(1)	$	19,~~383~~184,~~675~~454	$	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 $(516.4) million and $(2.2) million at ~~March~~June 3130, 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~~June 3130, 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 second quarter and first six months ended ~~March~~June 3130, 2019.

The components of the net investment in direct financing and sales-type leases were as follows:

(In thousands)	At ~~March~~June 3130, 2019
Carrying amount	$	2,~~627~~665,~~699~~465
Unguaranteed residual assets	~~139~~145,~~184~~632
Net direct fees and costs and unearned income	(~~215~~228,~~539~~484		)
Total net investment in direct financing and sales-type leases	$	2,~~551~~582,~~344~~613

The carrying amount of the direct financing and sales-type leases subject to residual value guarantees was $~~249~~255.79 million at ~~March~~June 3130, 2019.

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The components of total lease income were as follows:

	Quarter Ended		Six Months Ended
(In thousands)	~~March~~June 3130, 2019
Interest income - loans and leases:
Interest income on net investment in direct financing and sales-type leases	$	31,~~284~~598	$	62,882
Leasing and equipment finance non-interest income:
Lease income from operating lease payments	25,~~250~~423		50,673
Profit (loss) recorded on commencement date on sales-type leases	7,~~057~~250		14,307
Other(1)	89,~~832~~453		18,285
Total leasing and equipment finance non-interest income	4142,~~139~~126		83,265
Total lease income	$	7273,~~423~~724	$	146,147


(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 $19.31 million and $38.4 million for the ~~first~~second quarter and first six months of 2019, respectively. The net book value of equipment leased to others and related initial direct costs under operating leases was $~~305~~291.45 million at ~~March~~June 3130, 2019.

Undiscounted future minimum lease payments receivable for direct financing and sales-type leases, and a reconciliation to the carrying amount recorded at ~~March~~June 3130, 2019 were as follows:

(In thousands)
2019	$	~~716~~493,~~804~~850
2020	~~736~~802,~~501~~302
2021	~~532~~592,~~046~~387
2022	~~320~~373,~~015~~487
2023	~~165~~206,~~397~~888
Thereafter	6588,~~227~~765
Equipment under leases not yet commenced	7669,~~469~~946
Total undiscounted future minimum lease payments receivable for direct financing and sales-type leases	2,~~612~~627,~~459~~625
Third-party residual value guarantees	1537,~~240~~840
Total carrying amount of direct financing and sales-type leases	$	2,~~627~~665,~~699~~465

Undiscounted future minimum lease payments expected to be received for operating leases at ~~March~~June 3130, 2019 were as follows:

(In thousands)
2019	$	5739,~~122~~286
2020	6166,~~709~~861
2021	4044,~~610~~821
2022	2023,~~497~~101
2023	78,~~721~~541
Thereafter	3,~~783~~975
Total undiscounted future minimum lease payments	$	~~191~~186,~~442~~585

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Table of Contents

Loan Sales During the ~~first~~second quarter ofand ~~2019~~first ~~and~~six ~~2018~~months of 2019, TCF sold $~~219~~280.17 million and $~~266~~499.38 million, respectively, of consumer real estate loans, received cash of $~~227~~292.61 million and $~~272~~519.98 million, respectively, and recognized net gains of $10.8 million and $18.8 million, respectively. During the second quarter and first six months of 2018, TCF sold $181.7 million and $448.0 million, respectively, of consumer real estate loans, received cash of $188.2 million and $9461.10 million, respectively, and recognized net gains of $7.2 million and $16.3 million, respectively. Related to these sales, TCF retained interest-only strips of $0.87 million and $31.3 6 million during the ~~first~~second quarter and first six months of 2019, respectively, and ~~2018,~~$0.6 million ~~respectively~~and $3.8 million during the same periods in 2018. 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~~June 3130, 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~~Interest-only strips and the contractual liabilities related to loan sales were as follows:

(In thousands)	At ~~March~~June 3130, 2019		At December 31, 2018
Total interest-only strips	$	16,163	$	16,835
Interest-only strips	$	15,236	$	16,835
Contractual liabilities related to consumer real estate loan sales	~~871~~960		1,321

TCF recorded no$21 thousand of impairment charges on interest-only strips during the ~~first~~second quarter and first six months of 2019 and $~~603~~13 thousand and $616 thousand during the same ~~period~~periods in 2018.

Table of Contents

Note 7. 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)	ConsumerReal Estate			Commercial			Leasing andEquipment Finance			Inventory Finance			Auto Finance			Other			Total
At or For the Quarter Ended March 31, 2019:
At or For the Quarter Ended June 30, 2019:
Balance, beginning of period	$	43,820		$	34,711		$	24,832		$	14,132		$	29,854		$	623		$	147,972
Charge-offs	(1,652		)	(3,461		)	(2,790		)	(1,857		)	(9,250		)	(2,056		)	(21,066		)
Recoveries	1,338			16			747			568			3,347			968			6,984
Net (charge-offs) recoveries	(314		)	(3,445		)	(2,043		)	(1,289		)	(5,903		)	(1,088		)	(14,082		)
Provision for credit losses	1,448			5,523			3,493			(140		)	1,989			1,256			13,569
Other(1)	(974		)	—			(12		)	30			—			—			(956		)
Balance, end of period	$	43,980		$	36,789		$	26,270		$	12,733		$	25,940		$	791		$	146,503
At or For the Quarter Ended June 30, 2018:
Balance, beginning of period	$	47,685		$	37,198		$	23,182		$	13,253		$	45,822		$	563		$	167,703
Charge-offs	(2,056		)	(4		)	(2,693		)	(673		)	(11,095		)	(1,667		)	(18,188		)
Recoveries	1,278			31			587			156			2,579			787			5,418
Net (charge-offs) recoveries	(778		)	27			(2,106		)	(517		)	(8,516		)	(880		)	(12,770		)
Provision for credit losses	550			3,066			1,182			(860		)	9,302			996			14,236
Other(1)	(3,503		)	—			(11		)	(36		)	—			—			(3,550		)
Balance, end of period	$	43,954		$	40,291		$	22,247		$	11,840		$	46,608		$	679		$	165,619
(In thousands)	ConsumerReal Estate			Commercial			Leasing andEquipment Finance			Inventory Finance			Auto Finance			Other			Total
At or For the Six Months Ended June 30, 2019:
Balance, beginning of period	$	44,866		$	41,182		$	23,791		$	12,456		$	34,329		$	822		$	157,446
Charge-offs	(13,~~548~~200		)	(25,~~100~~561		)	(25,~~946~~736		)	(24,~~519~~376		)	(1322,~~035~~285		)	(24,~~283~~339		)	(2445,~~431~~497		)
Recoveries	12,~~100~~438			1228			~~476~~1,223			~~432~~1,000			26,~~853~~200			~~904~~1,872			512,~~777~~761
Net (charge-offs) recoveries	(~~448~~762		)	(25,~~088~~533		)	(24,~~470~~513		)	(23,~~087~~376		)	(1016,~~182~~085		)	(12,~~379~~467		)	(1832,~~654~~736		)
Provision for credit losses	~~371~~1,819			(41,~~383~~140		)	37,~~524~~017			3,~~723~~583			57,~~707~~696			12,~~180~~436			1023,~~122~~691
Other(1)	(~~969~~1,943		)	—			(1325		)	4070			—			—			(~~942~~1,898		)
Balance, end of period	$	43,~~820~~980		$	3436,~~711~~789		$	2426,~~832~~270		$	1412,~~132~~733		$	2925,~~854~~940		$	~~623~~791		$	~~147~~146,~~972~~503
At or For the Quarter Ended March 31, 2018:
At or For the Six Months Ended June 30, 2018:
Balance, beginning of period	$	47,168		$	37,195		$	22,528		$	13,233		$	50,225		$	692		$	171,041
Charge-offs	(24,~~154~~210		)	—(4		)	(14,~~956~~649		)	(~~549~~1,222		)	(1324,~~441~~536		)	(13,~~765~~432		)	(1938,~~865~~053		)
Recoveries	12,~~037~~315			1445			~~616~~1,203			~~140~~296			25,~~785~~364			1,~~122~~909			511,~~714~~132
Net (charge-offs) recoveries	(1,~~117~~895		)	1441			(13,~~340~~446		)	(~~409~~926		)	(1019,~~656~~172		)	(~~643~~1,523		)	(1426,~~151~~921		)
Provision for credit losses	2,~~104~~654			~~(11~~3,055		)	13,~~996~~178			~~512~~(348		)	615,~~253~~555			~~514~~1,510			1125,~~368~~604
Other(1)	(~~470~~3,973		)	—			(213		)	(83119		)	—			—			(~~555~~4,105		)
Balance, end of period	$	4743,~~685~~954		$	3740,~~198~~291		$	2322,~~182~~247		$	1311,~~253~~840		$	4546,~~822~~608		$	~~563~~679		$	~~167~~165,~~703~~619


(1)	Primarily includes the transfer of the allowance for loan and lease losses to loans and leases held for sale.

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Table of Contents

The allowance for loan and lease losses and loans and leases outstanding by type of allowance methodology were as follows:

At March 31, 2019

At June 30, 2019

(In thousands)

Consumer Real Estate

Commercial

Leasing andEquipmentFinance

Inventory Finance

Auto Finance

Other

Total

Allowance for loan and lease losses:

Collectively evaluated for impairment

26,~~402~~312

3234,~~711~~550

1921,~~988~~108

1412,~~009~~556

2925,~~699~~827

~~623~~791

~~123~~121,~~432~~144

Individually evaluated for impairment

17,~~418~~668

2,~~000~~239

45,~~844~~162

~~123~~177

~~155~~113

—

2425,~~540~~359

Total

43,~~820~~980

3436,~~711~~789

2426,~~832~~270

1412,~~132~~733

2925,~~854~~940

~~623~~791

~~147~~146,~~972~~503

Loans and leases outstanding:

Collectively evaluated for impairment

5,~~238~~176,~~404~~956

34,~~852~~131,~~073~~629

4,~~642~~795,~~913~~026

3,~~748~~401,~~177~~670

1,~~690~~443,~~996~~242

1718,~~942~~341

1918,~~190~~966,~~505~~864

Individually evaluated for impairment

~~115~~116,~~153~~209

3254,~~033~~182

2829,~~277~~485

~~969~~2,544

1312,~~618~~896

1—

~~190~~215,~~051~~316

Loans acquired with deteriorated credit quality

—

32,~~119~~274

—

32,~~119~~274

Total

5,~~353~~293,~~557~~165

34,~~884~~185,~~106~~811

4,~~674~~826,~~309~~785

3,~~749~~404,~~146~~214

1,~~704~~456,~~614~~138

1718,~~943~~341

19,~~383~~184,~~675~~454



	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

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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

At June 30, 2019

(In thousands)

Current-59 DaysDelinquent and Accruing

60-89 Days Delinquent and Accruing

90 Days or MoreDelinquent and Accruing

Total Accruing

Non-accrual

Total

Consumer real estate:

First mortgage lien

2,~~437~~430,~~608~~703

32,~~171~~868

1,~~717~~229

2,~~442~~434,~~496~~800

3837,~~254~~266

2,~~480~~472,~~750~~066

Junior lien

2,~~843~~789,~~169~~272

21,~~374~~647

—

2,~~845~~790,~~543~~919

2730,~~264~~180

2,~~872~~821,~~807~~099

Total consumer real estate

5,~~280~~219,~~777~~975

54,~~545~~515

1,~~717~~229

5,~~288~~225,~~039~~719

6567,~~518~~446

5,~~353~~293,~~557~~165

Commercial:

Commercial real estate

23,~~965~~261,~~035~~743

—

23,~~965~~261,~~035~~743

~~607~~545

23,~~965~~262,~~642~~288

Commercial business

~~911~~917,~~542~~273

—2

—

~~911~~917,~~542~~275

6,~~922~~248

~~918~~923,~~464~~523

Total commercial

34,~~876~~179,~~577~~016

—2

—

34,~~876~~179,~~577~~018

76,~~529~~793

34,~~884~~185,~~106~~811

Leasing and equipment finance

4,~~641~~789,~~613~~954

68,~~490~~665

23,~~852~~184

4,~~650~~801,~~955~~803

2022,~~235~~708

4,~~671~~824,~~190~~511

Inventory finance

3,~~748~~401,~~110~~785

6716

—

3,~~748~~401,~~177~~801

~~969~~2,413

3,~~749~~404,~~146~~214

Auto finance

1,~~689~~439,~~055~~746

45,~~196~~714

2,~~330~~045

1,~~695~~447,~~581~~505

98,~~033~~633

1,~~704~~456,~~614~~138

Other

1718,~~922~~313

1025

103

1718,~~942~~341

1—

1718,~~943~~341

Subtotal

19,~~254~~048,~~054~~789

1618,~~308~~937

6,~~909~~461

19,~~277~~074,~~271~~187

~~103~~107,~~285~~993

19,~~380~~182,~~556~~180

Portfolios acquired with deteriorated credit quality

21,~~909~~822

—22

~~210~~430

32,~~119~~274

—

32,~~119~~274

Total

19,~~256~~050,~~963~~611

1618,~~308~~959

76,~~119~~891

19,~~280~~076,~~390~~461

~~103~~107,~~285~~993

19,~~383~~184,~~675~~454



	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,
	Quarter Ended June 30,				Six Months Ended June 30,
(In thousands)	2019		2018		2019		2018
Contractual interest due on non-accrual loans and leases	$	2,~~584~~712	$	2,~~927~~957	$	5,296	$	5,884
Interest income recognized on non-accrual loans and leases	~~223~~255		~~458~~445		478		903
Unrecognized interest income	$	2,~~361~~457	$	2,~~469~~512	$	4,818	$	4,981

1719

Table of Contents

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~~June 3130, 2019		At December 31, 2018
0-59 days delinquent and accruing	$	32,~~044~~365	$	3,306
Non-accrual	1112,~~359~~686		9,046
Total consumer real estate loans to customers in bankruptcy	$	1415,~~403~~051	$	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
	At June 30, 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	$	7978,~~471~~686	$	17,~~391~~471	$	96,~~862~~157	$	80,739	$	16,192	$	96,931
Commercial	738,~~958~~882		~~607~~545		839,~~565~~427		4,174		3,946		8,120
Leasing and equipment finance	86,~~042~~777		1,~~931~~942		98,~~973~~719		8,491		1,754		10,245
Inventory finance	—131		~~205~~2		~~205~~133		—		453		453
Auto finance	4,~~585~~262		6,~~956~~646		1110,~~541~~908		5,054		6,362		11,416
Other	1—		—		1—		1		—		1
Total	$	~~100~~128,~~057~~738	$	2726,~~090~~606	$	~~127~~155,~~147~~344	$	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~~June 3130, 2019, $8.41 million, or 4846.56%, were loans discharged in Chapter 7 bankruptcy that were not reaffirmed by the borrower, of which 6066.42% 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 $1416.78 million, or 1821.53% of the outstanding balance, at ~~March~~June 3130, 2019 and $15.5 million, or 19.2% of the outstanding balance, at December 31, 2018. At ~~March~~June 3130, 2019 ~~and December 31~~, ~~2018,~~no ~~0.1% and 0.3%, respectively, of~~ accruing consumer real estate TDR loans were 60 days or more delinquent. ~~The~~and ~~allowance~~0.3% onof accruing ~~TDRs~~consumer ~~and~~real ~~the~~estate ~~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~~June 3130, 2019 and December 31, 2018, respectively. At ~~March~~June 3130, 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.

1820

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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~~second quarter and first six months of 2019 and 2018.

	Quarter Ended March 31,
	Quarter Ended June 30,
	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~~972	$	~~579~~582	$	~~389~~390	$	1,~~066~~047	$	~~640~~616	$	~~426~~431
Junior lien	~~374~~366		~~256~~249		~~118~~117		~~424~~418		~~290~~285		~~134~~133
Total consumer real estate	$	1,~~342~~338	$	~~835~~831	$	507	$	1,~~490~~465	$	~~930~~901	$	~~560~~564
	Six Months Ended June 30,
	2019						2018
(In thousands)	Contractual Interest Due		Interest Income		Unrecognized Interest		Contractual Interest Due		Interest Income		Unrecognized Interest
Consumer real estate:
First mortgage lien	$	1,940	$	1,161	$	779	$	2,113	$	1,256	$	857
Junior lien	740		505		235		842		575		267
Total consumer real estate	$	2,680	$	1,666	$	1,014	$	2,955	$	1,831	$	1,124

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,
	Quarter Ended June 30,				Six Months Ended June 30,
(In thousands)	2019		2018		2019		2018
Defaulted TDR loan balances modified during the applicable period:(1)
Consumer real estate:
First mortgage lien	$	~~190~~562	$	~~1,480~~493	$	752	$	1,973
Junior lien	94152		2836		246		64
Total consumer real estate	~~284~~714		~~1,508~~529		998		2,037
Commercial business	—		~~4,697~~—		—		4,697
Auto finance	536		364
Leasing and equipment finance	297		—		297		—
Defaulted TDR loan balances modified during the applicable period	$	820	$	6,569
Auto finance	447		307		1,017		697
Defaulted TDR loan balances modified during the applicable period	$	1,458	$	836	$	2,312	$	7,431


(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.

1921

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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 June 30, 2019 and information on impaired loans at December 31, 2018 was as follows:

	At March 31, 2019						At December 31, 2018
	At June 30, 2019						At December 31, 2018
(In thousands)	UnpaidContractualBalance		Loan and Lease Balance		RelatedAllowanceRecorded		UnpaidContractualBalance		Loan Balance		RelatedAllowanceRecorded
Impaired loans and leases with an allowance recorded:
Consumer real estate:
First mortgage lien	$	6882,~~890~~395	$	6578,~~360~~929	$	14,~~322~~431	$	64,529	$	61,744	$	16,848
Junior lien	3031,~~213~~147		2829,~~910~~751		3,~~096~~237		25,861		24,264		5,656
Total consumer real estate	99113,~~103~~542		94108,~~270~~680		17,~~418~~668		90,390		86,008		22,504
Commercial:
Commercial real estate	4,~~872~~839		4,~~416~~429		438		4,905		4,474		1,108
Commercial business	63,~~754~~378		63,~~751~~378		1,~~562~~801		12,317		9,192		3,663
Total commercial	118,~~626~~217		117,~~167~~807		2,~~000~~239		17,222		13,666		4,771
Leasing and equipment finance	2829,~~277~~485		2829,~~277~~485		45,~~844~~162		15,763		15,763		1,856
Inventory finance	~~294~~934		~~295~~937		~~123~~177		7,364		7,371		835
Auto finance	~~1,104~~757		~~867~~578		~~155~~113		917		646		81
Other	1—		1—		—		2		1		—
Total impaired loans and leases with an allowance recorded	~~140~~152,~~405~~935		~~134~~147,~~877~~487		2425,~~540~~359		131,658		123,455		30,047
Impaired loans and leases without an allowance recorded:
Consumer real estate:
First mortgage lien	218,~~298~~275		185,~~872~~939		—		11,829		9,586		—
Junior lien	1211,~~672~~639		21,~~011~~590		—		10,427		1,337		—
Total consumer real estate	3319,~~970~~914		207,~~883~~529		—		22,256		10,923		—
Commercial:
Commercial real estate	2043,~~783~~583		2043,~~685~~495		—		4,275		4,208		—
Commercial business	14,~~189~~470		~~181~~2,880		—		1,328		1,325		—
Total commercial	2148,~~972~~053		2046,~~866~~375		—		5,603		5,533		—
Inventory finance	~~672~~1,607		~~674~~1,607		—		911		912		—
Auto finance	17,~~859~~573		12,~~751~~318		—		15,071		10,770		—
Other	~~395~~363		—		—		329		—		—
Total impaired loans and leases without an allowance recorded	7487,~~868~~510		5567,~~174~~829		—		44,170		28,138		—
Total impaired loans and leases	$	~~215~~240,~~273~~445	$	~~190~~215,~~051~~316	$	2425,~~540~~359	$	175,828	$	151,593	$	30,047

2022

Table of Contents

The average balance of impaired loans and leases and interest income recognized on impaired loans and leases for the ~~first~~second quarter and first six months of 2019 and the average loan balance of impaired loans and interest income recognized on impaired loans for the ~~first~~same ~~quarter~~periods ofin 2018 were as follows:

	Quarter Ended March 31,
	Quarter Ended June 30,								Six Months Ended June 30,
	2019				2018				2019				2018
(In thousands)	Average Loan and Lease Balance		Interest Income Recognized		Average Loan Balance		Interest Income Recognized		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	$	6372,~~552~~145	$	~~476~~734	$	8070,~~245~~964	$	~~654~~617	$	70,337	$	1,210	$	71,522	$	1,271
Junior lien	2629,~~587~~330		~~236~~235		2926,~~372~~998		~~305~~290		27,007		471		27,170		595
Total consumer real estate	90101,~~139~~475		~~712~~969		~~109~~97,~~617~~962		~~959~~907		97,344		1,681		98,692		1,866
Commercial:
Commercial real estate	4,~~445~~422		1752		65,~~631~~894		—		4,452		69		5,965		—
Commercial business	75,~~972~~065		—		7,~~552~~269		8631		6,285		—		7,557		117
Total commercial	129,~~417~~487		1752		1413,~~183~~163		8631		10,737		69		13,522		117
Leasing and equipment finance	2228,~~020~~881		4441		16,~~826~~168		648		22,624		85		16,445		54
Inventory finance	~~3,833~~616		6—		1,~~243~~339		238		4,154		6		1,394		31
Auto finance	~~756~~722		—		~~873~~615		—		611		—		758		—
Other	1		—		43		—		1		—		3		—
Total impaired loans and leases with an allowance recorded	~~129~~141,~~166~~182		~~779~~1,062		~~142~~129,~~746~~250		~~1,074~~994		135,471		1,841		130,814		2,068
Impaired loans and leases without an allowance recorded:
Consumer real estate:
First mortgage lien	1412,~~229~~406		~~307~~35		10,~~421~~389		~~183~~173		7,762		342		10,415		356
Junior lien	1,~~674~~800		5124		1,~~572~~607		5553		1,464		75		1,618		108
Total consumer real estate	1514,~~903~~206		~~358~~59		11,~~993~~996		~~238~~226		9,226		417		12,033		464
Commercial:
Commercial real estate	1232,~~447~~090		~~272~~378		4,~~457~~386		58		23,852		650		4,421		116
Commercial business	~~752~~1,530		—		—		—		2,101		—		—		—
Total commercial	1333,~~199~~620		~~272~~378		4,~~457~~386		58		25,953		650		4,421		116
Inventory finance	~~793~~1,141		5537		21,~~625~~518		5748		1,260		92		1,711		105
Auto finance	1112,~~761~~534		9181		78,~~957~~084		6965		11,544		172		7,926		134
Total impaired loans and leases without an allowance recorded	4161,~~656~~501		~~776~~555		2725,~~032~~984		~~422~~397		47,983		1,331		26,091		819
Total impaired loans and leases	$	~~170~~202,~~822~~683	$	1,~~555~~617	$	~~169~~155,~~778~~234	$	1,~~496~~391	$	183,454	$	3,172	$	156,905	$	2,887

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~~June 3130, 2019		At December 31, 2018
Other real estate owned	$	1811,~~361~~964	$	17,403
Repossessed and returned assets	1511,~~645~~904		14,574
Consumer real estate loans in process of foreclosure	1513,~~594~~079		15,540

Other real estate owned and repossessed and returned assets were written down $1.83 million and $13.21 million during the ~~first~~second quarter and first six months of 2019, respectively, and ~~2018,~~$0.8 ~~respectively~~million and $2.0 million during the same periods in 2018.

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Note 8. Operating Lease Right-of-Use Assets and Liabilities

Operating lease right-of-use assets, included in other assets, were $8681.28 million at ~~March~~June 3130, 2019.

Operating lease liabilities, included in accrued expenses and other liabilities, were $~~106~~101.53 million at ~~March~~June 3130, 2019. Undiscounted future minimum operating lease payments and a reconciliation to the amount recorded as operating lease liabilities at ~~March~~June 3130, 2019 were as follows:

(In thousands)
2019	$	2114,~~854~~542
2020	2425,~~765~~143
2021	16,~~432~~812
2022	12,~~156~~471
2023	10,~~505~~790
Thereafter	31,~~648~~696
Total undiscounted future minimum operating lease payments	~~117~~111,~~360~~454
Discount	(10,~~833~~159		)
Total operating lease liabilities	$	~~106~~101,~~527~~295

The weighted-average discount rate and remaining lease term for operating leases were as follows:

	At March 31, 2019
	At June 30, 2019
Weighted-average discount rate	2.8685	%
Weighted-average remaining lease term (years)	65.39

The components of total lease cost for operating leases, included in occupancy and equipment non-interest expense, were as follows:

	Quarter Ended			Six Months Ended
(In thousands)	~~March~~June 3130, 2019
Lease expense	$	89,~~899~~222		$	18,121
Short-term and variable lease cost	4546			91
Sublease income	(~~407~~335		)	(742		)
Total lease cost for operating leases	$	8,~~537~~933		$	17,470

22Note 9. Long-term Borrowings

Long-term borrowings were as follows:



(In thousands)	At June 30, 2019		At December 31, 2018
FHLB advances	$	1,100,000	$	1,100,000
Subordinated bank notes	408,921		253,391
Discounted lease rentals	105,530		92,976
Capital lease obligation	3,080		3,105
Total long-term borrowings	$	1,617,531	$	1,449,472

On June 27, 2019, TCF Bank priced an offering of $150.0 million of fixed-to-floating rate subordinated notes, which closed on July 2, 2019 at par. The fixed-to-floating rate subordinated notes, due July 2, 2029, bear an initial interest rate of 4.125% per annum, payable semi-annually in arrears on January 2 and July 2, commencing on January 2, 2020. The subordinated notes are redeemable at TCF Bank's option beginning on July 2, 2024. Effective July 2, 2024, unless the notes are redeemed, the interest rate will reset quarterly to an annual interest rate equal to the then-current three-month LIBOR rate plus 237.5 basis points, payable quarterly in arrears on January 2, April 2, July 2 and October 2, commencing on October 2, 2024. TCF Bank incurred issuance costs of approximately $1.4 million that are amortized as interest expense over the full term of the notes using the effective interest method.

Table of Contents

~~Note~~At 9June 30, 2019, TCF Bank had pledged loans secured by consumer and commercial real estate and FHLB stock with an aggregate carrying value of $4. ~~Regulatory~~6 ~~Capital~~billion ~~Requirements~~as collateral for FHLB advances. At June 30, 2019, $1.1 billion of the long-term FHLB advances outstanding were prepayable at TCF's option.

~~TCF~~Note ~~and TCF Bank are subject to minimum capital requirements administered by the federal banking regulators~~10. Regulatory ~~Failure~~Capital 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.Requirements

	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

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 $227.1 million at June 30, 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 June 30,			At December 31,			At June 30,			At December 31,			Well-capitalized Standard		Minimum Capital Requirement
(Dollars in thousands)	2019			2018			2019			2018			Well-capitalized Standard		Minimum Capital Requirement
Regulatory Capital:
Common equity Tier 1 capital	$	2,305,706		$	2,224,183		$	2,307,194		$	2,282,013
Tier 1 capital	2,495,178			2,408,393			2,332,052			2,300,472
Total capital	2,811,347			2,750,581			2,674,491			2,675,347

Regulatory Capital Ratios:
Common equity Tier 1 capital ratio	10.99		%	10.82		%	11.00		%	11.10		%	6.50	%	7.00	%
Tier 1 risk-based capital ratio	11.90			11.72			11.12			11.19			8.00		8.50
Total risk-based capital ratio	13.41			13.38			12.76			13.01			10.00		10.50
Tier 1 leverage ratio	10.27			10.44			9.59			9.97			5.00		4.00

Table of Contents

Note 1011. 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~~520,~~085~~470		2120.1877
Forfeited/canceled	(~~120~~249,~~003~~895	)	17.6019
Vested	(~~314~~646,~~802~~209	)	1916.2889
Outstanding at March 31, 2019	1,996,726		16.56
Outstanding at June 30, 2019	1,913,812		17.68

At ~~March~~June 3130, 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 $1721.6 million with a weighted-average remaining amortization period of 1.57 years at ~~March~~June 3130, 2019.

At ~~March~~June 3130, 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~~number ~~restricted~~of ~~stock~~shares ~~units~~ that will be issued when the restricted stock units 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 2.1.9 years at ~~March~~June 3130, 2019.

Compensation expense for restricted stock awards and restricted stock units was $12.54 million and $53.9 million for the ~~first~~second quarter and first six months of 2019, respectively, and ~~2018,~~$3.8 ~~respectively~~million and $9.6 million for the same periods in 2018.

Note 1112. 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,
	Quarter Ended June 30,						Six Months Ended June 30,
(In thousands)	2019			2018			2019			2018
Interest cost	$	264		$	246		$	528		$	492
Return on plan assets	(137		)	(132		)	(274		)	(264		)
Net periodic benefit plan (income) cost	$	127		$	114		$	254		$	228

	Postretirement Plan
	Quarter Ended March 31,
	Quarter Ended June 30,						Six Months Ended June 30,
(In thousands)	2019			2018			2019			2018
Interest cost	$	30		$	2827		$	60		$	55
Amortization of prior service cost	(1211		)	(1211		)	(23		)	(23		)
Net periodic benefit plan (income) cost	$	1819		$	16		$	37		$	32

TCF made no cash contributions to the Pension Plan during the ~~first~~second quarter and first six months of 2019 and 2018. TCF contributed $0.1 million and $0.2 million to the Postretirement Plan during the ~~first~~second quarter and first six months of 2019 and 2018, respectively.

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Note 1213. 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
	At June 30, 2019
			Fair Value
(In thousands)	Notional Amount		Derivative Assets			Derivative Liabilities
Derivatives designated as hedging instruments:
Interest rate contracts	$	150,000	$	—		$	~~333~~182
Forward foreign exchange contracts	~~163~~170,~~828~~229		—			~~815~~2,158
Total derivatives designated as hedging instruments			—			12,~~148~~340
Derivatives not designated as hedging instruments:
Interest rate contracts	1,~~269~~343,~~616~~752		1530,~~480~~861			13,~~091~~305
Forward foreign exchange contracts	~~241~~238,~~060~~274		~~286~~—			~~513~~3,063
Interest rate lock commitments	5180,~~407~~715		1,~~130~~415			13
Other contracts	13,020		—			~~510~~435
Total derivatives not designated as hedging instruments			1632,~~896~~276			26,~~127~~816
Total derivatives before netting			1632,~~896~~276			39,~~275~~156
Netting(1)			(~~655~~3,231		)	(18,~~093~~687		)
Total derivatives, net			$	1629,~~241~~045		$	~~2,182~~469



	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.

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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
	At June 30, 2019
(In thousands)	Gross Amounts Recognized		Gross Amounts Offset(1)			Net Amount Presented
Derivative assets:
Interest rate contracts	$	1530,~~480~~861	$	(~~369~~3,231	)	$	1527,~~111~~630
Forward foreign exchange contracts	286		(286		)	—
Interest rate lock commitments	1,415		—			1,415
Interest rate lock commitments	1,130		—			1,130
Total derivative assets	$	32,276	$	(3,231	)	$	29,045
Total derivative assets	$	16,896	$	(655	)	$	16,241
Derivative liabilities:
Interest rate contracts	$	13,~~424~~487	$	(~~340~~3,217	)	$	~~1,084~~270
Forward foreign exchange contracts	15,~~328~~221		(~~243~~5,035		)	~~1,085~~186
Interest rate lock commitments	13		—			13
Other contracts	~~510~~435		(~~510~~435		)	—
Total derivative liabilities	$	39,~~275~~156	$	(18,~~093~~687	)	$	~~2,182~~469



	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 with a stated maturity of 2025. 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 Amountof the Hedged Liability
(In thousands)	At ~~March~~June 3130, 2019		At December 31, 2018		At ~~March~~June 3130, 2019			At December 31, 2018
Subordinated bank note - 2025	$	~~146~~151,~~960~~152	$	144,296	$	(12,~~555~~582	)	$	(4,165	)

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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,
	Quarter Ended June 30,						Six Months Ended June 30,
(In thousands)	2019			2018			2019			2018
Gain (loss) of fair value hedge:
Gain (loss) on fair value hedge:
Hedged item	$	(24,~~610~~137	)	$	31,~~806~~325		$	(6,747	)	$	5,131
Derivative designated as a hedging instrument	24,~~562~~181			(31,~~858~~598		)	6,743			(5,456		)
Income statement line where the gain (loss) on the fair value hedge was recorded:
Interest expense - borrowings	$	1416,~~858~~077		$	911,~~553~~571		$	30,935		$	21,124

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,
	Quarter Ended June 30,					Six Months Ended June 30,
(In thousands)	2019			2018		2019			2018
Forward foreign exchange contracts	$	(32,~~050~~881	)	$	25,~~137~~037	$	(5,931	)	$	7,174

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,
		Quarter Ended June 30,					Six Months Ended June 30,
(In thousands)	Location of Gain (Loss)	2019			2018		2019			2018
Interest rate contracts	Other non-interest income	$	(~~808~~735	)	$	997	$	(1,543	)	$	106
Forward foreign exchange contracts	Other non-interest expense	(43,~~779~~830		)	82,~~944~~812		(8,609		)	11,756
Interest rate lock commitments	Gains on sales of loans, net	~~493~~287			~~624~~418		780			1,042
Net gain (loss) recognized		$	(5,094	)	$	9,667
Other contracts	Other non-interest expense	—			18		—			18
Net gain (loss) recognized		$	(4,278	)	$	3,255	$	(9,372	)	$	12,922

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~~June 3130, 2019 and December 31, 2018, credit risk-related contingent features existed on forward foreign exchange contracts with a notional value of $30.0 5 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~~June 3130, 2019 and December 31, 2018, respectively. There were $660.7 ~~thousand~~million of forward foreign exchange contracts containing credit risk-related features in a liability position at ~~March~~June 3130, 2019 and none at December 31, 2018.

At ~~March~~June 3130, 2019, TCF had posted $1112.1 3 million, $5.6 million and $1.3 million of cash collateral related to its interest rate contracts, forward foreign exchange contracts and other contracts, respectively~~, and received $2~~.~~4 million of cash collateral related to its forward foreign exchange contracts.~~

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Note 1314. 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.

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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 with a stated maturity of 2025 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.

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The balances of assets and liabilities measured at fair value on a recurring and non-recurring basis were as follows:

	At March 31, 2019
	At June 30, 2019
(In thousands)	Level 1		Level 2		Level 3		Total
Recurring fair value measurements through net income:
Assets:
Loans held for sale	$	—	$	—	$	929,~~863~~211	$	929,~~863~~211
Interest rate contracts(1)	—		1530,~~480~~861		—		1530,~~480~~861
Forward foreign exchange contracts(1)	—		286		—		286
Interest rate lock commitments(1)	—		—		1,415		1,415
Interest rate lock commitments(1)	—		—		1,130		1,130
Forward loan sales commitments	—		—		195		195
Forward loan sales commitments	—		—		109		109
Assets held in trust for deferred compensation plans	38,070		—		—		38,070
Assets held in trust for deferred compensation plans	36,188		—		—		36,188
Total assets	$	38,070	$	30,861	$	30,821	$	99,752
Total assets	$	36,188	$	15,766	$	11,102	$	63,056
Liabilities:
Interest rate contracts(1)	$	—	$	13,~~424~~487	$	—	$	13,~~424~~487
Forward foreign exchange contracts(1)	—		~~513~~3,063		—		~~513~~3,063
Interest rate lock commitments(1)	—		—		13		13
Other contracts(1)	—		—		~~510~~435		~~510~~435
Forward loan sales commitments	—		—		~~227~~340		~~227~~340
Liabilities held in trust for deferred compensation plans	3638,~~188~~070		—		—		3638,~~188~~070
Total liabilities	$	3638,~~188~~070	$	16,~~937~~550	$	~~750~~788	$	3845,~~875~~408
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~~949,~~511~~523	$	—	$	2,~~584~~949,~~511~~523
Other	—		—		43		43
Obligations of states and political subdivisions	—		~~360~~160,~~827~~277		—		~~360~~160,~~827~~277
Interest-only strips	—		—		1615,~~163~~236		1615,~~163~~236
Total assets	$	—	$	23,~~945~~109,~~338~~800	$	1615,~~167~~239	$	23,~~961~~125,~~505~~039
Liabilities:
Forward foreign exchange contracts(1)	$	—	$	~~815~~2,158	$	—	$	~~815~~2,158
Total liabilities	$	—	$	~~815~~2,158	$	—	$	~~815~~2,158
Non-recurring fair value measurements:
Loans and leases	$	—	$	—	$	6973,~~691~~717	$	6973,~~691~~717
Other real estate owned	—		—		117,~~570~~858		117,~~570~~858
Repossessed and returned assets	—		65,~~496~~953		42,~~536~~177		118,~~032~~130
Total non-recurring fair value measurements	$	—	$	65,~~496~~953	$	8583,~~797~~752	$	9289,~~293~~705


(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.

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	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~~second quarter and first six months of 2019 and 2018.

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The changes in Level 3 assets and liabilities measured at fair value on a recurring basis were as follows:

(In thousands)	Debt SecuritiesAvailablefor Sale			Loans Held for Sale			Interest-only Strips			InterestRate LockCommitments		Other Contracts			ForwardLoan SalesCommitments
At or For the Quarter Ended March 31, 2019:
At or For the Quarter Ended June 30, 2019:
Asset (liability) balance, beginning of period	$	4		$	9,863		$	16,163		$	1,117	$	(510	)	$	(118	)
Total net gains (losses) included in:
Net income	—			700			653			285		—			(27		)
Other comprehensive income (loss)	—			—			25			—		—			—
Sales	—			(91,255		)	—			—		—			—
Originations	—			109,904			708			—		—			—
Principal paydowns / settlements	(1		)	(1		)	(2,313		)	—		75			—
Asset (liability) balance, end of period	$	3		$	29,211		$	15,236		$	1,402	$	(435	)	$	(145	)
At or For the Quarter Ended June 30, 2018:
Asset (liability) balance, beginning of period	$	5		$	9,058		$	21,851		$	558	$	(538	)	$	144
Total net gains (losses) included in:
Net income	—			341			850			300		18			(34		)
Other comprehensive income (loss)	—			—			(8		)	—		—			—
Sales	—			(75,134		)	—			—		—			—
Originations	—			84,294			550			—		—			—
Principal paydowns / settlements	(1		)	(5		)	(3,356		)	—		79			—
Asset (liability) balance, end of period	$	4		$	18,554		$	19,887		$	858	$	(441	)	$	110
(In thousands)	Debt SecuritiesAvailablefor Sale			LoansHeld for Sale			Interest-only Strips			InterestRate LockCommitments		Other Contracts			ForwardLoan SalesCommitments
At or For the Six Months Ended June 30, 2019:
Asset (liability) balance, beginning of period	$	4		$	18,070		$	16,835		$	624	$	(583	)	$	(26	)
Total net gains (losses) included in:
Net income	—			~~(166~~534		)	~~712~~1,365			~~493~~778		—			(92119		)
Other comprehensive income (loss)	—			—			~~286~~311			—		—			—
Sales	—			(73164,~~438~~693		)	—			—		—			—
Originations	—			65175,~~400~~304			~~844~~1,552			—		—			—
Principal paydowns / settlements	—(1		)	(34		)	(24,~~514~~827		)	—		73148			—
Asset (liability) balance, end of period	$	43		$	929,~~863~~211		$	1615,~~163~~236		$	1,~~117~~402	$	(~~510~~435	)	$	(~~118~~145	)
At or For the Quarter Ended March 31, 2018:
At or For the Six Months Ended June 30, 2018:
Asset (liability) balance, beginning of period	$	6		$	3,356		$	21,386		$	223	$	(615	)	$	63
Total net gains (losses) included in:
Net income	—			97438			~~331~~1,181			~~335~~635		—18			8147
Other comprehensive income (loss)	—			—			~~777~~769			—		—			—
Sales	—			(59134,~~747~~881		)	—			—		—			—
Originations	—			65149,~~355~~649			3,~~299~~849			—		—			—
Principal paydowns / settlements	(12		)	(38		)	(37,~~942~~298		)	—		77156			—
Asset (liability) balance, end of period	$	54		$	918,~~058~~554		$	2119,~~851~~887		$	~~558~~858	$	(~~538~~441	)	$	~~144~~110

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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~~June 3130, 2019		At December 31, 2018
Fair value carrying amount	$	929,~~863~~211	$	18,070
Aggregate unpaid principal amount	928,~~520~~204		17,517
Fair value carrying amount less aggregate unpaid principal	$	~~343~~1,007	$	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~~June 3130, 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 $23.27 million and $15.6 9 million for the ~~first~~second quarter and first six months of 2019, respectively, and $2.5 million and $4.2 million for the same periods in 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~~June 3130, 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.

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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
	At June 30, 2019
	Carrying			Estimated Fair Value
(In thousands)	Amount			Level 1		Level 2			Level 3		Total
Financial instrument assets:
Investments	$	~~103~~105,~~644~~659		$	—	$	~~103~~105,~~644~~659		$	—	$	~~103~~105,~~644~~659
Debt securities held to maturity	~~148~~144,~~024~~919			—		147,~~610~~157			3,621		~~151~~150,~~231~~778
Loans held for sale	5344,~~905~~774			—		—			5545,~~919~~798		5545,~~919~~798
Loans:
Consumer real estate	5,~~353~~293,~~557~~165			—		—			5,~~434~~385,~~461~~743		5,~~434~~385,~~461~~743
Commercial real estate	23,~~965~~262,~~642~~288			—		—			23,~~920~~220,~~368~~395		23,~~920~~220,~~368~~395
Commercial business	~~918~~923,~~464~~523			—		—			~~885~~892,~~178~~509		~~885~~892,~~178~~509
Equipment finance	2,~~122~~244,~~965~~172			—		—			2,~~093~~227,~~552~~545		2,~~093~~227,~~552~~545
Inventory finance	3,~~749~~404,~~146~~214			—		—			3,~~731~~387,~~535~~976		3,~~731~~387,~~535~~976
Auto finance	1,~~704~~456,~~614~~138			—		—			1,~~668~~427,~~084~~066		1,~~668~~427,~~084~~066
Other	1718,~~943~~341			—		—			1516,~~826~~361		1516,~~826~~361
Allowance for loan losses(1)	(~~147~~146,~~972~~503		)	—		—			—		—
Securitization receivable(2)	19,~~496~~560			—		—			19,~~134~~244		19,~~134~~244
Total financial instrument assets	$	1716,~~009~~770,~~428~~250		$	—	$	~~251~~252,~~254~~816		$	16,~~827~~626,~~678~~258	$	1716,~~078~~879,~~932~~074
Financial instrument liabilities:
Deposits	$	19,~~024~~112,~~111~~387		$	14,~~532~~507,~~113~~060	$	4,~~525~~644,~~854~~408		$	—	$	19,~~057~~151,~~967~~468
Long-term borrowings	1,~~411~~617,~~426~~531			—		1,~~418~~628,~~024~~729			—		1,~~418~~628,~~024~~729
Total financial instrument liabilities	$	20,~~435~~729,~~537~~918		$	14,~~532~~507,~~113~~060	$	56,~~943~~273,~~878~~137		$	—	$	20,~~475~~780,~~991~~197
Financial instruments with off-balance sheet risk:(3)
Commitments to extend credit	$	18,~~525~~772		$	—	$	18,~~525~~772		$	—	$	18,~~525~~772
Standby letters of credit	(6135		)	—		(6135		)	—		(6135		)
Total financial instruments with off-balance sheet risk	$	18,~~464~~737		$	—	$	18,~~464~~737		$	—	$	18,~~464~~737


(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.

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	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⁾

Filing Compare · TCF FINANCIAL CORP