TCF Bank 2014 Annual Report Download - page 4
Download and view the complete annual report
Please find page 4 of the 2014 TCF Bank annual report below. You can navigate through the pages in the report by either clicking on the pages listed below, or by using the keyword search tool below to find specific information within the annual report.-
1 -
2 -
3 -
4 -
5 -
6 -
7 -
8 -
9 -
10 -
11 -
12 -
13 -
14 -
15 -
16
-
17
-
18
-
19
-
20
-
21
-
22
-
23
-
24
-
25
-
26
-
27
-
28
-
29
-
30
-
31
-
32
-
33
-
34
-
35
-
36
-
37
-
38
-
39
-
40
-
41
-
42
-
43
-
44
-
45
-
46
-
47
-
48
-
49
-
50
-
51
-
52
-
53
-
54
-
55
-
56
-
57
-
58
-
59
-
60
-
61
-
62
-
63
-
64
-
65
-
66
-
67
-
68
-
69
-
70
-
71
-
72
-
73
-
74
-
75
-
76
-
77
-
78
-
79
-
80
-
81
-
82
-
83
-
84
-
85
-
86
-
87
-
88
-
89
-
90
-
91
-
92
-
93
-
94
-
95
-
96
-
97
-
98
-
99
-
100
-
101
-
102
-
103
-
104
-
105
-
106
-
107
-
108
-
109
-
110
-
111
-
112
-
113
-
114
-
115
-
116
-
117
-
118
-
119
-
120
-
121
-
122
-
123
-
124
-
125
-
126
-
127
-
128
-
129
-
130
-
131
-
132
-
133
-
134
-
135
 |
 |
2
Net Charge-offs
Percent
Non-accrual Loans & Leases
and Other Real Estate Owned
Millions of Dollars
Tangible Common Equity1
Millions of Dollars
1.47%
10
1.45%
11
1.54%
12
0.81%
13
0.49%
14
$486
10
$433
11
$476
12
$346
13
$282
14
$1,318
10
$1,635
11
$1,366
12
$1,458
13
$1,628
14
7.20% 8.72% 7.59% 8.03% 8.50%
Tangible Common Equity
Tangible Common Equity/Tangible Assets
Net Interest Margin
Percent
Loans & Leases
Billions of Dollars
Deposits
Billions of Dollars
4.15%
10
3.99%
11
4.65%
12
4.68%
13
4.61%
14
$14.8
10
$14.2
11
$15.4
12
$15.8
13
$16.4
14
$11.6
10
$12.2
11
$14.1
12
$14.4
13
$15.4
14
.53%
.38% .31% .26% .26%
Total Deposits
Average Interest Rate on Deposits
2014 Earning Assets
$17.3 Billion
2014 Interest Income2
$878 Million
2014 Non-interest Income
$433 Million
2%
Loans & leases
held for sale
2% Investments
18%
Consumer real estate
& other ( rst mortgages)
8%
Auto nance
2% Securities
21%
Consumer
real estate &
other ( rst
mortgages)
17%
Consumer
real estate
(junior liens) 19%
Leasing &
equipment
nance
16%
Commercial
13%
Inventory
nance
15%
Consumer
real estate
(junior liens)
11%
Auto nance
18%
Commercial
22%
Leasing &
equipment
nance
11%
Inventory nance
5% Securities & other
5%
Servicing
fee income
8%
Gains on sales
of consumer real
estate loans, net
2% Other
36%
Deposit fees
& service
charges
22%
Leasing &
equipment
nance
12%
Card
revenue 10%
Gains on sales
of auto loans, net
5%
ATM revenue
Select Financial Highlights
1 See “Item 7. Management’s Discussion and Analysis of Financial Condition and Results of Operations
—
Capital Management” (for reconciliation of GAAP to non-GAAP measures).
2 Interest income presented on a fully tax-equivalent basis
TCF Financial Corporation and Subsidiaries
2
2