Leasing and equipment finance increased $82.3 million from year-end 2001 to $1 billion at December 31, 2002. At December 31, 2002, $108.7 million, or 13.9%, of TCF’s lease portfolio was discounted on a non-recourse basis with other third-party financial institutions and consequently TCF retains no credit risk on such amounts. This compares with non-recourse fundings of $143.7 mil- lion, or 20.6%, at December 31, 2001. Total loan and lease origi- nations for TCF’s leasing businesses were $518.1 million during 2002, compared with $492.3 million in 2001 and $648.1 million in 2000. The backlog of approved transactions increased to $140.8 million, at December 31, 2002, compared with $126.1 million at December 31, 2001. Included in the investment in leveraged leases, at December 31, 2002, is $18.7 million for a 100% equity interest in a Boeing 767-300 aircraft on lease to Delta Airlines in the United States. The aircraft is in service, the lessee is current on the lease  payments and the lease expires in 2010. This lease represents TCF’s only material direct exposure to the commercial airline industry. TCF’s expanded leasing activity is subject to risk of cyclical down- turns and other adverse economic developments. TCF’s ability to increase its lease portfolio is dependent upon its ability to place new equipment in service. In an adverse economic environment, there may be a decline in the demand for some types of equipment which TCF leases, resulting in a decline in the amount of new equipment being placed into service as well as a decline in equipment values for equipment previously placed in service. TCF Leasing has originated most of its portfolio during recent periods, and consequently the performance of this portfolio may not be reflective of future results and credit quality. During 2001, TCF discontinued originations in the truck and trailer marketing segment and in the first quarter of 2002, completed the shutdown of this segment. Loans and leases outstanding at December 31, 2002 are shown in the following table by maturity: $^{(1)}$Gross of unearned discounts and deferred fees. This table does not include the effect of prepayments, which is an important consideration in management’s interest rate risk analysis. Company experience indicates that loans remain outstanding for significantly shorter periods than their contractual terms.  $^{(2)}$Includes $1 billion of consumer loans and $196.5 million of variable-rate commercial real estate and commercial business loans at their interest rate floor.  page 34 At December 31, 2002  (1) Leasing and Commercial Commercial Equipment Residential Total Loans (In thousands) Consumer Real Estate Business Finance Real Estate and Leases Amounts due: Within 1 year . . . . . . . . . . . . . . . $ 108,147 $ 299,728 $ 238,084 $ 401,078 $ 74,491 $1,121,528 After 1 year: 1 to 2 years . . . . . . . . . . . . . . 104,595 172,004 93,577 302,434 73,721 746,331 2 to 3 years . . . . . . . . . . . . . . 93,474 127,098 48,068 197,675 76,040 542,355 3 to 5 years . . . . . . . . . . . . . . 186,693 316,134 38,464 209,701 154,642 905,634 5 to 10 years . . . . . . . . . . . . . 661,177 745,935 14,039 31,437 345,772 1,798,360 10 to 15 years . . . . . . . . . . . . . 1,222,122 136,816 415 – 284,556 1,643,909 Over 15 years . . . . . . . . . . . . . 634,615 41,662 6,777 – 787,160 1,470,214 Total after 1 year . . . . . . . . 2,902,676 1,539,649 201,340 741,247 1,721,891 7,106,803 Total . . . . . . . . . . . . . . $3,010,823 $1,839,377 $ 439,424 $1,142,325 $1,796,382 $8,228,331 Amounts due after 1 year on: Fixed-rate loans and leases . . . . . . $1,116,389 $ 273,496 $ 54,974 $ 741,247 $1,129,740 $3,315,846 Variable and  adjustable-rate loans (2)  . . . . . 1,786,287 1,266,153 146,366 – 592,151 3,790,957 Total after 1 year . . . . . . . . . . $2,902,676 $1,539,649 $ 201,340 $ 741,247 $1,721,891 $7,106,803