UPDATE 1-TCF Financial Q4 misses estimates

* Q4 EPS $0.10 vs est $0.14

* Q4 net interest income down 1.5 pct

* Q4 core operating expenses up 3.8 pct

Jan 24 (Reuters) - TCF Financial Corp's quarterly profit fell and missed Wall Street estimates as the lender's card revenue almost halved and core operating expenses rose.

For the fourth quarter, the Wayzata, Minnesota-based bank earned $16.4 million, or 10 cents a share, down from $33.9 million, or 24 cents a share, a year ago.

Analysts had expected the bank to earn 14 cents a share, according to Thomson Reuters I/B/E/S.

The bank's card revenue fell 50.7 percent to 13.6 million.

The company's net interest income fell 1.5 percent to $173.4 million in the quarter.

Its core operating expenses rose 3.8 percent to $169.5 million from last year.

Shares of the company closed at $11.62 on Monday on the New York Stock Exchange.