TCF Bank 2000 Annual Report Download - page 20

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We have always held the belief that the best decisions for local issues are made by local executives. These managers are held respon-
sible for local business decisions, business development initiatives, customer relations and community involvement.
In Minnesota we continue to emphasize growth in our higher-yielding commercial and consumer loans, and to increase and cul-
tivate our low interest-cost checking account base. This mature franchise has been open since 1923. Our plan is to add new branches
in growing population areas and to hire and nurture commercial and consumer lenders.
The Lakeshore Region in Illinois, Wisconsin and Indiana is looking forward to its first full year under our new management struc-
ture. This structure combines the Power Liabilities generating force in Illinois with the asset producing capabilities of Wisconsin.
The Lakeshore Region has the most branches and the largest population of any of our markets and has the potential to become the
largest part of our franchise. We have installed our most experienced management team to tap that potential and bring TCF's prod-
ucts and services to this region.
Our Michigan management team has an asset production background. They will work to continue the growth in both commercial and
consumer lending while looking for locations for new branches to expand our current footprint. There are many areas in the greater Detroit
metropolitan area in which we do not have a presence. Detroit represents one of our best opportunities for expansion in the future.
The Colorado franchise is building new brick and mortar branches to complement their supermarket branch system. One new brick
and mortar branch was added in late 2000. We look at the Denver and Colorado Springs areas as excellent prospects for future growth.
With the results we have seen, it is clear that TCF's system of offering convenient services and products will work in these cities. We plan
to open two additional brick and mortar branches in 2001 and open supermarket branches as opportunities become available.
G E O G R A P H I C S T R U C T U R E
18
TCF
TCF has seasoned local management teams in each region that we serve.
We believe that decisions regarding local business, business development,
customer relations and community involvement are made best at the
local level, and we prove it time and again in our daily decision making.
G E O G R A P H I C A L M A N A G E M E N T S T R U C T U R E
6
states