Earnings of TCF Financial Corporation (TCF) plunged by 55% sequentially in the first quarter to $0.32 per share due to a surge in provision expense and lower non-interest income. I’m expecting earnings for the remaining three quarters of the year to be better than the first quarter’s earnings. The conversion of Chemical Bank’s systems is on track, which will likely lead to a drop in non-interest expenses in the year ahead. Moreover, deposit repricing will support earnings in the coming quarters. Furthermore, modest loan growth will likely drive earnings recovery in the remainder