TD Bank 2007 Annual Report Download - page 40

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TD BANK FINANCIAL GROUP ANNUAL REPORT 2007 Management’s Discussion and Analysis36
BUSINESS SEGMENT ANALYSIS
U.S. Personal and
Commercial Banking
Operating under the TD Banknorth brand name,
U.S. Personal and Commercial Banking offers a full
range of banking services and products, including
commercial, consumer, wealth management and
insurance agency services.
(percent)
EFFICIENCY RATIO
06 0705
07
06
70%
50
60
40
30
20
10
0
62.7%
(millions of Canadian dollars)
NET INCOME
06 0705
0
$400
200
300
100
$320
Revenue
(millions of dollars) Canadian dollars U.S. dollars
2007 2006 200512007 2006 20051
Community Banking $ 1,810 $ 1,644 $ 921 $ 1,631 $ 1,443 $ 756
Insurance 62 62 38 56 54 31
Wealth Management 76 74 45 68 65 37
Total $ 1,948 $ 1,780 $ 1,004 $ 1,755 $ 1,562 $ 824
1 For the seven month period March 1, 2005 to September 30, 2005.
Assets1
(millions of dollars) Canadian dollars U.S. dollars
2007 2006 2005 2007 2006 2005
Consumer loans $ 9,685 $ 11,511 $ 10,616 $ 9,736 $ 10,299 $ 9,130
Business and government loans 16,739 17,186 12,555 16,827 15,376 10,798
Investment securities 4,438 5,070 5,263 4,461 4,536 4,527
Other assets 3,139 3,303 2,425 3,155 2,955 2,086
Total $ 34,001 $ 37,070 $ 30,859 $ 34,179 $ 33,166 $ 26,541
1 Excluding all goodwill and other intangibles.
evenue
(millions of dollars)
Community Banking
Insurance
Wealth Management
Total
For the seven month period March 1, 2005 to September 30, 2005.
ssets
(millions of dollars)
Consumer loans
Business and government loans
Investment securities
Other assets
Total
Excluding all goodwill and other intangibles.
ssets