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2 q10 specialty finance book
- 1. Overview of TCF Financial Corporation’s Specialty Finance Group
- 6. Diversified Revenue Base ($ millions) ($ millions) (Percent) TCF 4.18% KBW Regional Banking Index Median 3.71% 2 56% 21% 6% 17% * Twelve-month growth rate 1 Year-to-date 2 As of March 31, 2010 At June 30, 2010 +5%* 5 Good Revenue Growth Strong Net Interest Margin Non-interest Income Net Interest Income Strong Mix of Fee Revenues 1
- 7. Strong Deposit Franchise Quarterly Average Balances ($ millions) Average Rate 1 : 2.33% 2.29% 1.51% .74% .56% 1 Quarter-to-date (annualized) 6
- 10. Stable Loan Growth +5%* * Twelve-month growth rate ($ millions) Diverse Products and Geographies 9
- 14. Credit Trends (Percent) 1.02% 1.04% .72% .81% .82% 1.43% 1.52% 1.35% 1.22% .54% .60% .60% .69% 1 1 Annualized .82% 1.30% .87% 13
- 15. 1 As a percent of average loans & leases 2 YTD as of March 31, 2010 (annualized) (Percent) Net Charge-Offs 1 vs. Other Banks Bank of America TCF US Bancorp KeyCorp Wells Fargo TCF NCOs: .16% .29% .78% 1.34% 1.22% 2 JPMorgan Chase PNC 14
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Notes de l'éditeur
- Date of Original Request: 05/07/09 Request: Add footnote to tangible common equity Requested by: Financial Reporting Approval(s) from: WAC, NWB, TFJ Status: 5/7/09 – Received request from Financial Reporting. Received approval from J. Kalies. 5/11/09 – NWB did not approve the change.
- Date of Original Request: 08/01/08 Request: Change 6/08 data from YTD to QTD Requested by: William Cooper Approval(s) from: WAC, NWB, TFJ Status: 8/1/08 – Received request from William Cooper. 8/5/08 – Received data from Financial Reporting. Provided slide to J. Gutierrez for approval. Received approval from J. Gutierrez. Provided slide to WAC, NWB, and TFJ for approval. Provided slide to DMS and JTG for Form 8-K recommendation. Received approval from WAC and NWB. 8/8/08 – A Form 8-K does not need to be filed, per JTG. 8/12/08 – Per DMS, revise slide using quarter-to-data data for all time periods. 8/13/08 – Received data from Financial Reporting. Provided slide to TFJ and DMS for review. 8/14/08 – received approval from DMS. 8/15/08 - Provided slide to WAC, NWB, and TFJ for approval. Provided slide to DMS and JTG for Form 8-K recommendation.
- Date of Original Request: 08/01/08 Request: Change 6/08 data from YTD to QTD Requested by: William Cooper Approval(s) from: WAC, NWB, TFJ Status: 8/1/08 – Received request from William Cooper. 8/5/08 – Received data from Financial Reporting. Provided slide to J. Gutierrez for approval. Received approval from J. Gutierrez. Provided slide to WAC, NWB, and TFJ for approval. Provided slide to DMS and JTG for Form 8-K recommendation. Received approval from WAC and NWB. 8/8/08 – A Form 8-K does not need to be filed, per JTG. 8/12/08 – Per DMS, revise slide using quarter-to-data data for all time periods. 8/13/08 – Received data from Financial Reporting. Provided slide to TFJ and DMS for review. 8/14/08 – received approval from DMS. 8/15/08 - Provided slide to WAC, NWB, and TFJ for approval. Provided slide to DMS and JTG for Form 8-K recommendation.
- Date of Original Request: 7/29/09 Request: Add a TCF Inventory Finance portfolio slide Requested by: Neil Brown and Tom Jasper Approval(s) from: WAC, NWB, TFJ Status: 7/29/09 – received request form NWB/TFJ. 7/30/09 – Received data from Financial Reporting. Received approval from Financial Reporting. Provided slide to DMS for review. 8/3/09 – Received comments from DMS. Provided slide to TFJ for review. 8/5/09 – Received approval from TFJ. 8/6/09 – Provided slide to WAC, NWB, TFJ, DMS and JTG for final approval. Received approval and incorporated comments from NWB. 8/7/09 – Received comments from WAC (breakout by industry). 8/10/09 – Received breakout by industry from Financial Reporting.
- Source: SNL Financial LC