content_image/108429.jpg content_image/108430.jpg content_image/108431.jpg
## 7. Allowance for Loan and Lease Losses 

Following is a summary of the allowance for loan and lease losses and selected statistics: 

<img src='content_image/108429.jpg'>

## 8. Premises and Equipment 

Premises and equipment are summarized as follows: 

<img src='content_image/108430.jpg'>

TCF leases certain premises and equipment under operating leases. Net lease expense was $20.8 million, $20.7 million and $20.3 mil- lion in 2002, 2001 and 2000, respectively. 

At December 31, 2002, the total annual minimum lease commitments for operating leases were as follows: 

<img src='content_image/108431.jpg'>

