TCF Bank 2004 Annual Report Download - page 3

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2004 Annual Report 1
Leadership in Action
TCF’s banking philosophies are centered on bringing value
to our shareholders and customers. These philosophies have
guided TCF’s business strategies, which have become the
principles by which TCF conducts its business. Simple,
straightforward and enduring strategies, based on a well-
grounded philosophy coupled with successful execution and
solid management, have made TCF an institution recognized
nationally for its High Performance Banking.
Corporate Profile
TCF Financial Corporation is a Wayzata, Minnesota-based national
financial holding company with $12.3 billion in assets. TCF has 430
banking offices in Minnesota, Illinois, Michigan, Wisconsin, Colorado
and Indiana. Other TCF affiliates provide leasing and equipment
finance, securities brokerage, and investments and insurance sales.
Table of Contents
3 Letter to Our Shareholders
9 Business Highlights
18 Management’s Discussion and Analysis
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
81 Corporate Information
83 Shareholder Information
85 Corporate Philosophy