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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 ’017.14%Q2 ’015.82%Q2 ’02-2%-12%

Non-interest income vs. expense

15.46%Q1 ’0115.18%Q2 ’0110.54%Q2 ’02-16%-37%

Executive Summary

  • Earnings: ROA of 0.19%, up 118 bps year over year; NIM at 3.78%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.19%.
  • Funding: loans stand at 102.80% of deposits as of Q2 2002.

Financial Results

Return on Assets (quarter, annualized)

0.19%+118 bps YoY

Net Interest Margin (quarter, annualized)

3.78%-50 bps YoY

Efficiency Ratio (quarter, annualized)

97.08%-1,191 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ2 2001Q3 2001Q4 2001Q1 2002Q2 2002YoY ΔTrend
Earnings
Return on Assets-1.00%-0.75%-0.03%-0.20%0.19%+118 bps
Return on Equity-13.91%-10.22%-0.41%-2.28%2.44%+1,634 bps
Net Interest Margin4.29%4.32%4.53%4.06%3.78%-50 bps
Efficiency Ratio109.00%108.46%96.03%108.13%97.08%-1,191 bps
Non-Interest Burden5.54%5.40%4.03%4.93%3.47%-207 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 / Loans0.06%0.22%0.14%0.00%0.19%+13 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