TCF FINANCIAL CORP (TCF) [Rocket]

In millions, except per share items	Dec-31-18	Dec-31-17	Dec-31-16	Dec-31-15	Dec-31-14	Dec-31-13	Dec-31-12	Dec-31-11
	10-K	10-K	10-K	10-K	10-K	10-K	10-K	10-K
Interest income:
Interest income on loans	1,065.1	954.2	850.5	832.7
Interest income on investments						18.1
	1,142.3	1,019.1	930.7	891.9	874.2	864.5	884.6	938.0
Interest expense:
Interest on deposits	107.1	66.0	61.8	48.2	38.4	36.6	41.0	45.1
Interest on borrowings						25.3
	150.3	93.8	82.6	71.5	58.6	61.9	104.6	238.3
Net interest income	992.0	925.2	848.1	820.4	815.6	802.6	780.0	699.7
Provision for loan losses	46.8	68.4	65.9	52.9	95.7	118.4	247.4	200.8
Net interest income after provision for loan losses	945.2	856.8	782.2	767.4	719.9	684.3	532.6	498.8
Deposit and loan fees				145.0	154.4	166.6	178.0	219.4
Gain on sale of investments, net							0.2	0.8
Other non-interest income	470.9	448.3	465.9	297.0	278.9		312.3	224.3
Total non-interest income	470.9	448.3	465.9	442.0	433.3	404.1	490.4	444.4
Non-interest expenses	1,014.4	1,059.9	909.9	894.7	871.8	845.3	1,362.6	764.5
Equity in earnings
Pre-tax income	401.7	245.2	338.2	314.7	281.4	243.0	-339.6	178.8
Income taxes	86.1	-33.6	116.5	108.9	99.8	84.3	-132.9	64.4
Tax rate	21.4%		34.5%	34.6%	35.5%	34.7%	39.1%	36.0%
Net income	289.3	243.0	192.7	177.7	154.8	132.6	-218.5	109.4
Net margin	20.4%	18.6%	15.4%	14.7%	13.4%	12.2%	-21.4%	11.6%

Basic EPS	$1.75	$1.44	$1.15	$1.07	$0.95	$0.82	($1.37)	$0.71
Diluted EPS	$1.74	$1.44	$1.15	$1.07	$0.94	$0.82	($1.37)	$0.71

Shares outstanding (basic)	165.6	168.7	167.2	165.7	163.6	161.0	159.3	154.2
Shares outstanding (diluted)	166.6	169.1	167.8	166.2	164.1	161.9	159.3	154.5

EBIT is a non-GAAP figure that excludes all non-recurring expenses: restructuring costs, asset impairments, IPR&D writeoffs, and other unusual charges.