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## 6. Loans and Leases 

Loans and leases consist of the following: 

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At December 31, 2002 and 2001, the recorded investment in loans that were considered to be impaired was $12.1 million and $18.8 million, respectively. The related allowance for loan losses at those dates was $5.5 and $5 million, respectively. All of the impaired loans were on non-accrual status. There were no impaired loans at December 31, 2002 or 2001 which did not have a related allowance for loan losses. The average recorded investment in impaired loans during the years ended December 31, 2002, 2001 and 2000 was $14.7 million, $9.9 million and $4.5 million, respectively. For the year ended December 31, 2002, 2001 and 2000, TCF recognized interest income on impaired loans of $92,000, $29,000 and $40,000, all of which was recognized using the cash basis method of income recognition. 

At December 31, 2002, 2001 and 2000, loans and leases on non- accrual status totaled $43.6 million, $52 million and $35.2 mil- lion, respectively. Had the loans and leases performed in accordance 

with their original terms for 2002, 2001 and 2000, TCF would have recorded gross interest income of $4.3 million, $5.4 million and $3.9 million, respectively, for these loans and leases. Interest income of $1.2 million, $1.7 million and $1.6 million has been recorded on these loans and leases for the years ended December 31, 2002, 2001 and 2000, respectively. 

At December 31, 2002 and 2001, TCF had no loans out- standing with terms that had been modified in troubled debt restructurings. There were no material commitments to lend addi- tional funds to customers whose loans or leases were classified as non-accrual at December 31, 2002. 

The aggregate amount of loans to non-management directors of TCF and their related interests was $35.3 million and $31.8 million at December 31, 2002 and 2001, respectively. During 2002, $5.1 million of new loans were made and repayments of such loans totaled $1.6 million. All loans to outside directors and their related 

