TCF Bank 2015 Annual Report Download - page 9

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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
SELECT FINANCIAL HIGHLIGHTS
7
Net Interest Margin
(Percent)
3.99%
2011 2012 2013 2014 2015
4.65%4.68% 4.61% 4.42%
Loans & Leases
(Billions of dollars)
$14.2
2011 2012 2013 2014 2015
$15.4 $15.8 $16.4 $17.4
Total Loans & Leases
Average Yield on Loans & Leases
5.83% 5.53%5.27% 5.06% 4.92%
Total Deposits
Average Interest Rate on Deposits
Deposits
(Billions of dollars)
$12.2
2011 2012 2013 2014 2015
$14.1 $14.4$15.4 $16.7
0.38% 0.31% 0.26% 0.26% 0.30%
Net Charge-offs
(Percent)
2011 2012 2013 2014 2015
1.54%
0.81%
0.49%
0.30%
1.45%
Non-accrual Loans & Leases and
Other Real Estate Owned
(Millions of dollars)
2011 2012 2013 2014 2015
$476
$346
$282 $250
$433
2015 Earning Assets
$18.8 billion
■ 21% Leasing & equipment finance
■ 17% Commercial
■ 15% Consumer real estate (junior liens)
■ 14% Auto finance
■ 14% Consumer real estate & other
(first mortgages)
■ 12% Inventory finance
■ 7% Securities & other
2015 Interest Income2
$897 million
■ 20% Leasing & equipment finance
■ 17% Consumer real estate & other
(first mortgages)
■ 17% Consumer real estate (junior liens)
■ 15% Commercial
■ 14% Inventory finance
■ 11% Auto finance
■ 3% Loans & leases held for sale
■ 2% Securities
■ 1% Investments and other
2015 Non-interest Income
$442 million
■ 33% Fees & service charges
■ 25% Leasing & equipment finance
■ 12% Card revenue
■ 9% Gains on sales of consumer real
estate loans, net
■ 7% Gains on sales of auto loans, net
■ 7% Servicing fee income
■ 5% ATM revenue
■ 2% Other
Tangible Common Equity
Tangible Common Equity/Tangible Assets
Tangible Common Equity1
(Millions of dollars)
$1,635
2011 2012 2013 2014 2015
$1,366 $1,458
$1,628
$1,799
8.72%
7.59% 8.03% 8.50% 8.79%