Page 9 - TCF Bank

Performance and Condition Ratios
1 % of unprofitable institutions N/A N/A

2 % of institutions with earnings gains N/A N/A
Performance Ratios (%, annualized) (Year-to-date) (Year-to-date)
3 Yield on earning assets 4.85% 4.90%
4 Cost of funding earning assets 0.42% 0.39%
5 Net interest margin 4.42% 4.51%
6 Noninterest income to assets 2.13% 2.11%

7 Noninterest expense to assets 4.31% 4.44%
8 Loan and lease loss provision to assets 0.31% 0.26%
9 Net operating income to assets 1.06% 1.03%

10 Return on assets (ROA) 1.02% 0.98%
11 Pretax return on assets 1.57% 1.53%
12 Return on equity (ROE) 9.38% 9.28%
13 Retained earnings to average equity (YTD only) 6.63% 8.10%
0.35% 0.35%
14 Net charge-offs to loans and leases
15 Loan and lease loss provision to net charge-offs 106.71% 87.35%
16 Earnings coverage of net loan charge-offs (x) 6.62 6.07
17 Efficiency ratio 68.92% 70.60%
18 Assets per employee ($ millions) 3.56 3.30

19 Cash dividends to net income (YTD only) 29.33% 12.69%
Condition Ratios (%)

20 Earning assets to total assets 92.66% 92.44%
21 Loss allowance to loans and leases 0.88% 0.89%
22 Loss allowance to noncurrent loans and leases 85.64% 75.99%
23 Noncurrent assets plus other real estate owned to assets 1.09% 1.23%

1.03% 1.17%
24 Noncurrent loans to loans
25 Net loans and leases to assets 83.67% 84.23%
26 Net loans and leases to deposits 103.23% 103.34%
27 Net loans and leases to core deposits 111.46% 110.65%
28 Domestic deposits to total assets 81.05% 81.51%

29 Equity capital to assets 10.90% 10.65%
30 Core capital (leverage) ratio 10.32% 10.04%
31 Tier 1 risk-based capital ratio 11.23% 11.07%
32 Total risk-based capital ratio 13.42% 13.37%