TCF Bank 2004 Annual Report Download - page 19

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2004 Annual Report 17
page Management’s Discussion and Analysis
18 Overview
20 Results of Operations
20 Five Year Financial Summary
20 Performance Summary
21 Operating Segment Results
21 Consolidated Income Statement Analysis
21 Net Interest Income
25 Provision for Credit Losses
26 Non-Interest Income
30 Non-Interest Expense
31 Income Taxes
32 Consolidated Financial Condition Analysis
32 Securities Available for Sale
32 Loans Held for Sale
32 Loans and Leases
36 Allowance for Loan and Lease Losses
38 Non-Performing Assets
39 Past Due Loans and Leases
40 Potential Problem Loans and Leases
40 Liquidity Management
41 Deposits
41 New Branch Expansion
42 Borrowings
42 Contractual Obligations and Commitments
43 Stockholders’ Equity
43 Market Risk – Interest-Rate Risk
46 Summary of Critical Accounting Estimates
46 Recent Accounting Developments
46 Fourth Quarter Summary
46 Earnings Teleconference and Website Information
46 Legislative, Legal and Regulatory Developments
47 Forward-Looking Information
47 Controls and Procedures
48 Consolidated Financial Statements
53 Notes to Consolidated Financial Statements
77 Management’s Report on Internal Control
Over Financial Reporting
78 Reports of Independent Registered Public Accounting Firm
80 Other Financial Data – Selected Quarterly Financial Data
The Financials