TCF National Bank

Minneapolis, MN · Cert 28330

FDIC · 521 branches

Q1 2021

$49.4BAssets

$36.3BLoans

$40.0BDeposits

$5.4BEquity

Deposit mix

NIM

Market Position · Minneapolis-St. Paul-Bloomington, MN-WI · 2020 SOD (annual) · 3.8% share · #3 of 144 inst. · $8.2B of $218.0B

1.7% Cook

4.2% Hennepin

4.0% Oakland

3.5% Wayne

Earnings: ROA of 1.04%, up 56 bps year over year; NIM at 3.15%.
Asset quality: problem loans at 1.89% of loans (+118 bps YoY), with net charge-offs at 0.50%.

Return on Assets (quarter, annualized)

1.04%+56 bps YoY

Net Interest Margin (quarter, annualized)

3.15%-28 bps YoY

Efficiency Ratio (quarter, annualized)

66.32%-184 bps YoY

Tier 1 Leverage Ratio

8.73%-20 bps YoY

Discrete quarter, annualized.

Metric	Q1 2020	Q2 2020	Q3 2020	Q4 2020	Q1 2021	YoY Δ	Trend
Earnings
Return on Assets	0.48%	0.22%	0.41%	0.91%	1.04%	+56 bps
Return on Equity	4.13%	2.00%	3.67%	7.94%	9.25%	+512 bps
Net Interest Margin	3.43%	3.07%	3.07%	3.24%	3.15%	-28 bps
Efficiency Ratio	68.16%	80.51%	71.16%	69.71%	66.32%	-184 bps
Non-Interest Burden	2.00%	2.31%	2.08%	1.86%	1.77%	-24 bps
Growth
Asset Growth (YoY)	98.77%	103.10%	4.04%	2.45%	1.77%	-9,700 bps
Loan Growth (YoY)	86.18%	87.28%	-0.41%	-0.03%	0.33%	-8,585 bps
Deposit Growth (YoY)	88.37%	104.20%	11.02%	12.67%	10.92%	-7,745 bps
Asset Quality
Nonperforming Loans / Loans	0.71%	0.83%	1.11%	1.97%	1.89%	+118 bps
Net Charge-Offs / Loans	0.06%	0.04%	0.28%	0.14%	0.50%	+44 bps
Allowance / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance Coverage of NPLs	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Capital
Tier 1 Leverage Ratio	8.93%	8.34%	8.43%	8.97%	8.73%	-20 bps
Total Risk-Based Capital	11.86%	12.93%	13.48%	13.51%	12.96%	+111 bps
Equity / Assets	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Liquidity & Funding
Loans / Deposits	100.47%	91.50%	88.34%	88.82%	90.88%	-959 bps
Liquid Assets / Assets	0.28%	0.26%	0.36%	0.39%	0.42%	+15 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a