Commercial real estate loans increased $213.3 million from year- end 2001 to $1.8 billion at December 31, 2002. Commercial busi- ness loans increased $17.7 million in 2002 to $440.1 million at December 31, 2002. TCF continues to expand its commercial busi- ness and commercial real estate lending activity to borrowers located in its primary midwestern markets. With a focus on secured lending, at December 31, 2002, approximately 98% of TCF’s commercial real estate and commercial business loans were secured either by  properties or underlying business assets. At December 31, 2002 and December 31, 2001, the construction and development portfolio included hotel and motel loans of $41.1 million and $31.5 million, respectively, and apartment loans of $5.1 million and $2.5 million, respectively. At December 31, 2002, approximately 88% of TCF’s commercial real estate loans outstanding were secured by properties located in its primary markets.  The following tables summarize TCF’s leasing and equipment finance portfolio by marketing segment and by equipment type: page 33 (1) Middle market consists primarily of lease financings on manufacturing and construction equipment, as well as specialty vehicles, to companies nationwide. (2) Winthrop’s portfolio consists primarily of technology and data processing equipment.  (3) Wholesale includes the discounting, purchase and originating of lease receivables sourced by third party lessors.  (4) Small ticket includes lease financings to small- and mid-size companies through programs with vendors, manufacturers, distributors and franchise organizations.  Individual contracts generally range from $25,000 to $250,000.  (5) TCF discontinued originations in the truck and trailer marketing segment during 2001. TCF will continue to provide financing on trucks and trailers to customers  in the middle market segment for use in their businesses which are unrelated to the over-the-road trucking industry. See the portfolio summary by equipment type  below for TCF’s total financing of trucks and trailers. At December 31, (Dollars in thousands) 2002 2001 Over 30-Day Over 30-Day Delinquency as Delinquency as Percent a Percentage Percent a Percentage Marketing Segment Balance of Total of Balance Balance of Total of Balance Middle market (1)  . . . . . . . . . . . . . . . $ 337,668 32.5% 1.30% $ 181,826 19.0% 2.14% Winthrop (2)  . . . . . . . . . . . . . . . . . . 266,709 25.7 – 307,335 32.1 .24 Wholesale (3)  . . . . . . . . . . . . . . . . . . . 181,038 17.4 .42 204,792 21.4 .28 Small ticket (4)  . . . . . . . . . . . . . . . . . . 131,389 12.6 .47 100,691 10.5 1.17 Leveraged leases . . . . . . . . . . . . . . . . 21,519 2.1 – 17,608 1.9 – Subtotal . . . . . . . . . . . . . . . . . . . 938,323 90.3 .61 812,252 84.9 .79 Truck and trailer (5)  . . . . . . . . . . . . . . 100,717 9.7 4.72 144,485 15.1 7.59 Total . . . . . . . . . . . . . . . . . . . . . $1,039,040 100.0% 1.00 $ 956,737 100.0% 1.84 At December 31, (Dollars in thousands) 2002 2001 Percent Percent Equipment Type Balance of Total Balance of Total Technology and data processing . . . . . . . . . . . . . . . . . . . . . . . . . . . . $ 291,091 28.0% $ 323,439 33.8% Specialty vehicles . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 149,997 14.4 105,367 11.0 Manufacturing . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 140,014 13.5 82,699 8.6 Trucks and trailers . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 113,587 10.9 149,441 15.6 Construction . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 87,857 8.5 65,081 6.8 Furniture and fixtures . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 62,153 6.0 80,330 8.4 Printing . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 31,181 3.0 23,450 2.5 Material handling . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 24,749 2.4 14,537 1.5 Aircraft . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 23,420 2.3 20,585 2.2 Medical . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 23,378 2.2 7,978 .8 Other . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 91,613 8.8 83,830 8.8 Total . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $1,039,040 100.0% $ 956,737 100.0%