TCF Financial Corporation Financials


TCF Financial Corporation has total assets of $16,559 million and year-to-date net operating income of $100 million. TCF Financial Corporation financials obtained from the Federal Deposit Insurance Corporation (FDIC). Financial data is updated quarterly in Call Reports or Thrift Financial Reports filed by the bank. Data last updated on December 1, 2008 for the period ending on September 30, 2008.	Profile Financials Chargeoff Statistics Delinquency Statistics Assets Securitized and Sold Performance and Condition Ratios

			All Banks

Assets	$ (millions)	% of Assets	$ (millions)	% of Assets
Loans Secured by Real Estate	10,153	61.31%	4,750,985	34.90%
1-4 Family Residential Mortgages	7,361	44.46%	2,754,199	20.23%
First Lien	4,651	28.09%	1,864,576	13.70%
Second Lien	1,078	6.51%	237,504	1.74%
Home Equity Lines	1,633	9.86%	652,119	4.79%
Multifamily Residential	575	3.47%	205,193	1.51%
Nonfarm Residential	1,809	10.93%	1,043,393	7.66%
Construction and Development	408	2.46%	617,055	4.53%
Farmland Loans	0	0.00%	62,138	0.46%
Loans Held in Foreign Offices	0	0.00%	69,008	0.51%
Commericial and Industrial Loans	1,237	7.47%	1,510,091	11.09%
Loans to Individuals	52	0.31%	1,082,731	7.95%
Credit Cards	3	0.02%	411,627	3.02%
Farm Loans	4	0.03%	59,656	0.44%
Other Loans and Leases	1,660	10.02%	595,646	4.38%
Less: Unearned Income	0	0.00%	2,741	0.02%
Total Loans and Leases	13,105	79.14%	8,000,084	58.77%
Less: Reserve for Losses	159	0.96%	156,065	1.15%
Net Loans and Leases	12,946	78.18%	7,844,019	57.62%
Securities	2,111	12.75%	2,027,739	14.90%
Other Real Estate Owned	54	0.33%	22,966	0.17%
Goodwill and Intangibles	153	0.92%	484,178	3.56%
All Other Assets	1,295	7.82%	3,207,062	23.56%
Total Assets	$16,559	100.00%	$13,613,150	100.00%

			All Banks

Liabilities and Capital	$ (millions)	% of Assets	$ (millions)	% of Assets
Deposits	9,904	59.81%	8,749,418	64.27%
Domestic Deposits	9,904	59.81%	7,230,058	53.11%
Transaction Accounts	4,143	25.02%	809,200	5.94%
Nontransaction Accounts	5,761	34.79%	6,420,965	47.17%
Money Market	647	3.91%	2,798,868	20.56%
Other Savings Accounts	2,724	16.45%	841,348	6.18%
Time Deposits	2,391	14.44%	2,773,205	20.37%
Foreign Deposits	0	0.00%	1,519,360	11.16%
Federal Funds Purchased	2,031	12.27%	936,578	6.88%
Trading Liabilities	0	0.00%	356,967	2.62%
Subordinated Debt	200	1.21%	176,833	1.30%
Other Borrowed Funds	2,923	17.65%	1,684,829	12.38%
All Other Liabilities	320	1.93%	401,428	2.95%
Equity Capital	1,180	7.12%	1,307,097	9.60%
Total Liabilities and Capital	$16,559	100.00%	$13,613,150	100.00%

			All Banks

Income Data (2008 YTD)	$ (millions)	% of Assets*	$ (millions)	% of Assets*
Total Interest Income	739	5.95%	487,019	4.77%
Total Interest Expense	279	2.25%	207,949	2.04%
Net Interest Income	460	3.70%	279,070	2.73%
Provision for Loan and Lease Losses	145	1.17%	124,517	1.22%
Total Noninterest Income	357	2.87%	175,521	1.72%
Total Noninterest Expense	512	4.13%	274,323	2.69%
Salaries and Benefits	255	2.06%	122,518	1.20%
Premises and Equipment Expense	95	0.77%	33,971	0.33%
Additional Noninterest Expense	162	1.30%	117,834	1.15%
Securities Gains (Losses)	8	0.06%	-8,037	-0.08%
Applicable Income Taxes	61	0.50%	15,679	0.15%
Extraordinary Gains, Net	0	0.00%	534	0.01%
Net Income	106	0.85%	32,569	0.32%
Cash Dividends, Net	70	0.56%	42,592	0.42%
Retained Earnings	36	0.29%	-10,023	-0.10%
Net Operating Income	$100	0.81%	$37,457	0.37%

* Annualized

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