24. Comprehensive Income Comprehensive income is the total of net income and other comprehensive income (loss), which for TCF is comprised entirely of unrealized gains and losses on securities available for sale. The following table summarizes the components of comprehensive income:  Year Ended December 31, (In thousands) 2002 2001 2000 Net income . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $232,931  $207,322 $186,245 Other comprehensive income before tax: Unrealized holding gains arising during the period on securities  available for sale . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 74,044  26,295 59,726 Reclassification adjustment for gains included in net income . . . . . . . . . . . . . . . . (11,536) (863) – Income tax expense . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 22,635  9,335 22,212 Total other comprehensive income, net of tax . . . . . . . . . . . . . . . . . . . . . . . . . 39,873  16,097 37,514 Comprehensive income . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $272,804  $223,419 $223,759 25. Other Expense Other expense consists of the following: Year Ended December 31,  (In thousands) 2002 2001 2000 Deposit account losses . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $ 19,750 $ 19,415  $ 19,479  Postage and courier . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 13,579 13,150 11,442 Telecommunication . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12,738 11,541 13,345 TCF Express Card interchange . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10,047 6,901 4,882 Office supplies . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9,848 9,881 9,216 ATM interchange . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9,374 9,723 11,735 Federal deposit insurance and OCC assessments . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2,761 2,757 2,837 Mortgage servicing liquidation expense . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2,394 1,440 313 Deposit base intangible amortization . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1,671 1,939 2,295 Other . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 55,395 50,073 40,289 $137,557 $126,820 $115,833 26. Business Segments mortgage loans primarily for sale to third parties, generally with servicing retained. In addition, TCF operates a bank holding com- pany (“parent company”) and has corporate functions that provide data processing, bank operations and other professional services to the operating segments. TCF evaluates performance and allocates resources based on the business segments’ net income. The business segments follow generally accepted accounting principles as described in the Summary of Significant Accounting Policies. TCF generally accounts for intersegment sales and transfers at cost.  Banking, leasing and equipment finance, and mortgage banking have been identified as reportable operating segments. Banking includes the following operating units that provide financial services to cus- tomers: deposits and investment products, commercial lending, consumer lending, residential lending and treasury services. Management of TCF’s banking business segment is organized by state. The separate state operations have been aggregated for purposes of segment disclosures. Leasing and equipment finance provides a broad range of comprehensive leasing and equipment finance products addressing the financing needs of diverse companies. Mortgage bank- ing activities include the origination and purchase of residential page 72