PackageTrendsPeer
Letter portraitLegal landscape

TCF National Bank Arizona

Mesa, AZ · Cert 58373

FDIC

Q3 2009

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: Q3 2009, the quarter ended September 30, 2009, 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 Arizona

Mesa, AZ · Cert 58373

FDIC

Q3 2009

$166.9MAssets
$88.9MLoans
$136.6MDeposits
$28.8MEquity
Deposit mix
96%Interest-bearing $131.5M4%Noninterest $5.1MQ3 2008Q3 2009

NIM

5.24%Q3 ’074.02%Q3 ’083.60%Q3 ’09-43%-17%

Non-interest income vs. expense

8.29%Q3 ’0714.00%Q3 ’086.04%Q3 ’09+57%-64%

Executive Summary

  • Earnings: ROA of -1.90%, up 423 bps year over year; NIM at 2.35%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.64%.
  • Funding: loans stand at 65.10% of deposits as of Q3 2009.

Financial Results

Return on Assets (YTD, annualized)

-1.90%+423 bps YoY

Net Interest Margin (YTD, annualized)

2.35%-47 bps YoY

Efficiency Ratio (YTD, annualized)

154.42%-16,186 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2008Q4 2008Q1 2009Q2 2009Q3 2009YoY ΔTrend
Earnings
Return on Assets-6.13%-5.15%-2.49%-2.20%-1.90%+423 bps
Return on Equity-11.56%-10.73%-9.89%-9.67%-9.03%+253 bps
Net Interest Margin2.82%2.53%3.13%2.27%2.35%-47 bps
Efficiency Ratio316%248%184.43%165.34%154.42%-16,186 bps
Non-Interest Burden12.39%8.19%7.24%4.72%4.47%-792 bps
Growth
Asset Growth (YoY)104.97%101.99%155.64%165.23%98.40%-656 bps
Loan Growth (YoY)113.19%111.71%72.62%207%18.59%-9,460 bps
Deposit Growth (YoY)255%293%390%403%521%+26,571 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.20%0.18%0.65%0.61%0.64%+44 bps
Allowance / Loans0.39%0.50%0.47%0.62%0.70%+31 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 Capital58.18%52.49%32.14%42.03%38.70%-1,949 bps
Equity / Assets37.03%34.11%19.80%18.90%17.24%-1,979 bps
Liquidity & Funding
Loans / Deposits341%216%68.54%70.27%65.10%-27,582 bps
Liquid Assets / Assets0.00%0.00%20.73%6.18%10.19%+1,019 bps
CRE / Total Capitaln/an/an/an/an/an/an/a