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TCF National Bank Colorado

Englewood, CO · Cert 34449

FDIC

Q2 2002

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2002, the quarter ended June 30, 2002, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

TCF National Bank Colorado

Englewood, CO · Cert 34449

FDIC

Q2 2002

$143.7MAssets
$112.9MLoans
$109.8MDeposits
$10.4MEquity
Deposit mix
73%Interest-bearing $80.3M27%Noninterest $29.5MQ2 2001Q2 2002

NIM

7.63%Q1 ’017.04%Q2 ’015.51%Q2 ’02-6%-11%

Non-interest income vs. expense

15.46%Q1 ’0114.61%Q2 ’0110.40%Q2 ’02-13%-32%

Executive Summary

  • Earnings: ROA of 0.01%, up 127 bps year over year; NIM at 3.69%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.10%.
  • Funding: loans stand at 102.80% of deposits as of Q2 2002.

Financial Results

Return on Assets (YTD, annualized)

0.01%+127 bps YoY

Net Interest Margin (YTD, annualized)

3.69%-44 bps YoY

Efficiency Ratio (YTD, annualized)

102.24%-1,043 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2001Q3 2001Q4 2001Q1 2002Q2 2002YoY ΔTrend
Earnings
Return on Assets-1.26%-1.07%-0.76%-0.20%0.01%+127 bps
Return on Equityn/an/an/a-2.28%0.08%n/a
Net Interest Margin4.13%3.91%3.75%4.06%3.69%-44 bps
Efficiency Ratio112.66%111.17%106.93%108.13%102.24%-1,043 bps
Non-Interest Burden5.77%5.25%4.53%4.93%3.92%-185 bps
Growth
Asset Growth (YoY)29.37%41.10%51.04%52.91%59.31%+2,994 bps
Loan Growth (YoY)43.37%54.86%58.02%54.20%57.85%+1,448 bps
Deposit Growth (YoY)13.02%18.51%9.82%28.67%72.10%+5,908 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.14%0.15%0.14%0.00%0.10%-4 bps
Allowance / Loans0.40%0.32%0.42%0.20%0.14%-25 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital10.83%10.56%13.20%11.58%10.40%-43 bps
Equity / Assets7.26%7.33%9.09%8.23%7.22%-4 bps
Liquidity & Funding
Loans / Deposits112.09%116.50%130.12%118.53%102.80%-928 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a