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TCF Financial Corporation s Specialty Finance Group

Index. PageSupplemental Public Information3-18TCFEF Vision Statement

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TCF Financial Corporation s Specialty Finance Group

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    1. TCF Financial Corporation’s Specialty Finance Group Overview of TCF Financial Corporation’s Specialty Finance Group

    2. Index Page Supplemental Public Information 3-18 TCFEF Vision Statement & Value Proposition 19 TCFEF Executive & Senior Team 20-24

    3. $19 billion national bank holding company headquartered in Minnesota 34th largest publicly-traded U.S. based bank holding company by asset size 434 bank branches in eight states, 25th largest U.S. branch network Five campus alliances; 5th largest in campus card banking relationships 669 ATMs available free to TCF customers; 211 off-site 15th largest issuer of Visa® Consumer debit cards 11th largest issuer of Visa Small Business debit cards 2 million retail deposit accounts 13th largest bank-affiliated leasing company in the U.S. Total equity to total assets of 9.90% Tangible realized common equity of 8.42%1 21st consecutive year of profitability Corporate Profile Date of Original Request: 05/07/09 Request: Add footnote to tangible common equity Requested by: Financial Reporting Approval(s) from: WAC, NWB, TFJ Status: 5/7/09 – Received request from Financial Reporting. Received approval from J. Kalies. 5/11/09 – NWB did not approve the change. Date of Original Request: 05/07/09 Request: Add footnote to tangible common equity Requested by: Financial Reporting Approval(s) from: WAC, NWB, TFJ Status: 5/7/09 – Received request from Financial Reporting. Received approval from J. Kalies. 5/11/09 – NWB did not approve the change.

    4. Corporate Structure

    5. What Makes TCF Different

    6. The Evolution of TCF As a result of the current economic and regulatory challenges, TCF is being proactive in positioning itself for the future while remaining true to its conservative corporate philosophy Growth and Asset Diversification Focus on disciplined asset growth (including the expansion of national lending platforms) and creating a more equal diversification between consumer real estate products, commercial and specialty finance Deposits and Revenue Increase deposits and accounts through convenience, customer-friendly products and incentives Implementation of innovative checking account products Introduction of new checking account product that encourages transaction activity to avoid fees Evaluate and implement additional revenue-producing and expense reduction strategies throughout the company New Functionally Organized Management Structure Focus on four key areas: Enterprise Risk Management, Lending, Funding and Corporate Development Bolsters TCF’s evolution to accommodate today’s changing banking and economic environment

    7. Diversified Revenue Base

    8. Strong Deposit Franchise Date of Original Request: 08/01/08 Request: Change 6/08 data from YTD to QTD Requested by: William Cooper Approval(s) from: WAC, NWB, TFJ Status: 8/1/08 – Received request from William Cooper. 8/5/08 – Received data from Financial Reporting. Provided slide to J. Gutierrez for approval. Received approval from J. Gutierrez. Provided slide to WAC, NWB, and TFJ for approval. Provided slide to DMS and JTG for Form 8-K recommendation. Received approval from WAC and NWB. 8/8/08 – A Form 8-K does not need to be filed, per JTG. 8/12/08 – Per DMS, revise slide using quarter-to-data data for all time periods. 8/13/08 – Received data from Financial Reporting. Provided slide to TFJ and DMS for review. 8/14/08 – received approval from DMS. 8/15/08 - Provided slide to WAC, NWB, and TFJ for approval. Provided slide to DMS and JTG for Form 8-K recommendation. Date of Original Request: 08/01/08 Request: Change 6/08 data from YTD to QTD Requested by: William Cooper Approval(s) from: WAC, NWB, TFJ Status: 8/1/08 – Received request from William Cooper. 8/5/08 – Received data from Financial Reporting. Provided slide to J. Gutierrez for approval. Received approval from J. Gutierrez. Provided slide to WAC, NWB, and TFJ for approval. Provided slide to DMS and JTG for Form 8-K recommendation. Received approval from WAC and NWB. 8/8/08 – A Form 8-K does not need to be filed, per JTG. 8/12/08 – Per DMS, revise slide using quarter-to-data data for all time periods. 8/13/08 – Received data from Financial Reporting. Provided slide to TFJ and DMS for review. 8/14/08 – received approval from DMS. 8/15/08 - Provided slide to WAC, NWB, and TFJ for approval. Provided slide to DMS and JTG for Form 8-K recommendation.

    9. Capital Ratios – Holding Company

    10. Loan Balances Date of Original Request: 08/01/08 Request: Change 6/08 data from YTD to QTD Requested by: William Cooper Approval(s) from: WAC, NWB, TFJ Status: 8/1/08 – Received request from William Cooper. 8/5/08 – Received data from Financial Reporting. Provided slide to J. Gutierrez for approval. Received approval from J. Gutierrez. Provided slide to WAC, NWB, and TFJ for approval. Provided slide to DMS and JTG for Form 8-K recommendation. Received approval from WAC and NWB. 8/8/08 – A Form 8-K does not need to be filed, per JTG. 8/12/08 – Per DMS, revise slide using quarter-to-data data for all time periods. 8/13/08 – Received data from Financial Reporting. Provided slide to TFJ and DMS for review. 8/14/08 – received approval from DMS. 8/15/08 - Provided slide to WAC, NWB, and TFJ for approval. Provided slide to DMS and JTG for Form 8-K recommendation. Date of Original Request: 08/01/08 Request: Change 6/08 data from YTD to QTD Requested by: William Cooper Approval(s) from: WAC, NWB, TFJ Status: 8/1/08 – Received request from William Cooper. 8/5/08 – Received data from Financial Reporting. Provided slide to J. Gutierrez for approval. Received approval from J. Gutierrez. Provided slide to WAC, NWB, and TFJ for approval. Provided slide to DMS and JTG for Form 8-K recommendation. Received approval from WAC and NWB. 8/8/08 – A Form 8-K does not need to be filed, per JTG. 8/12/08 – Per DMS, revise slide using quarter-to-data data for all time periods. 8/13/08 – Received data from Financial Reporting. Provided slide to TFJ and DMS for review. 8/14/08 – received approval from DMS. 8/15/08 - Provided slide to WAC, NWB, and TFJ for approval. Provided slide to DMS and JTG for Form 8-K recommendation.

    11. Leasing & Equipment Finance1

    12. Leasing and Equipment Finance Portfolio

    13. Loan & Lease Geographic Diversification

    14. TCF Inventory Finance Date of Original Request: 7/29/09 Request: Add a TCF Inventory Finance portfolio slide Requested by: Neil Brown and Tom Jasper Approval(s) from: WAC, NWB, TFJ Status: 7/29/09 – received request form NWB/TFJ. 7/30/09 – Received data from Financial Reporting. Received approval from Financial Reporting. Provided slide to DMS for review. 8/3/09 – Received comments from DMS. Provided slide to TFJ for review. 8/5/09 – Received approval from TFJ. 8/6/09 – Provided slide to WAC, NWB, TFJ, DMS and JTG for final approval. Received approval and incorporated comments from NWB. 8/7/09 – Received comments from WAC (breakout by industry). 8/10/09 – Received breakout by industry from Financial Reporting. Date of Original Request: 7/29/09 Request: Add a TCF Inventory Finance portfolio slide Requested by: Neil Brown and Tom Jasper Approval(s) from: WAC, NWB, TFJ Status: 7/29/09 – received request form NWB/TFJ. 7/30/09 – Received data from Financial Reporting. Received approval from Financial Reporting. Provided slide to DMS for review. 8/3/09 – Received comments from DMS. Provided slide to TFJ for review. 8/5/09 – Received approval from TFJ. 8/6/09 – Provided slide to WAC, NWB, TFJ, DMS and JTG for final approval. Received approval and incorporated comments from NWB. 8/7/09 – Received comments from WAC (breakout by industry). 8/10/09 – Received breakout by industry from Financial Reporting.

    15. Total Non-Performing Asset1 Trends

    16. Delinquency & Net Charge-off Trends

    17. Current Strong performance on REO sales activity resulting in lower non-performing assets but increased net charge-offs Delinquencies and net charge-offs remain below peak 2010 levels; however, net charge-off levels may remain consistent with recent performance over the next couple of quarters Encouraging trends in non-accrual assets Commercial net charge-offs and provision tend to be lumpy as credits are worked out, which is expected to impact results into 2012 TDRs performing as expected; however, these extensions/modifications tend to carry higher reserve levels Credit Quality Summary

    18. 2012 Outlook Continued strong credit performance expected in the specialty finance businesses Continued decline in non-performing assets through REO sales, paydowns and returning loans to accrual status based on performance Consumer delinquencies and net charge-offs may remain at elevated levels due to the sluggish economy, but home values appear to be stabilizing Slowly improving work-out environment for commercial real estate non-performing assets

    21. Senior Management Gloria J. Charley Gloria Charley is Senior Vice President Talent Management. Gloria’s primary responsibility for TCF Equipment Finance and Winthrop Resources is to design and implement key programs for training, development and retention. Prior to joining TCFEF in July 1999, Gloria held a variety of roles at Wells Fargo over a twelve year period in which she was a financial analyst in the corporate bank, a relationship manager in the National Accounts group calling on large corporate clients in Minnesota and Texas and a credit underwriter for the Equipment Finance serving the Wholesale segment.   Gloria is an active board member of Sonday Reading Center. A non profit organization dedicated to teaching children to read. Gloria received her bachelor’s of arts degree in Finance from Michigan State University and is a native of St. Clair Shores, MI. Rich Chenitz Richard J. Chenitz is the SVP-Corporate Development, Capital Markets & Marketing for TCF Equipment Finance, Inc. ("TCFEF"). responsible for researching, developing, and implementing strategies for strategic company and/or tactical portfolio acquisitions. He is also responsible for overseeing the implementation of a direct calling lead generation team, overall marketing activities, and ongoing capital market activities. Prior to joining TCFEF in October of 2009 Rich spent 13 years with GE Capital in various leadership positions in Sales and Business Development. Prior to that Rich spent 9 years at KPMG and Arthur Andersen focusing on accounting, finance, and mergers & acquisitions. Mr. Chenitz holds a bachelor's degree in Accounting from Boston University and a MBA in Finance and Marketing from Northwestern University. Mary Beth Conzet Mary Beth is Vice President  of Talent Management  for TCF Equipment Finance, Inc. ("TCFEF") and Winthrop Resources.  She is responsible for the execution of various aspects of the talent management life cycle including Training and Development, Performance Management and Employee Engagement.  Prior to joining the company in January of 2012, Mary Beth spent 22 years in the medical device industry where she held positions of increasing responsibility in Information Technology, Customer Service, Marketing, and Human Resources.   Her career began with Cardiac Pacemakers, Inc, which after being divested by Eli Lilly & Co. went public in 1994 as Guidant Corporation.  Mary Beth most recently was in an HR leadership position with Boston Scientific who purchased Guidant in 2006.  Mary Beth attended the University of Iowa where she majored in Computer Science, and she holds a Senior Professional of Human Resources (SPHR) certification.

    22. Senior Management William S. Henak William S. Henak is President and Chief Operating Officer of TCF Equipment Finance, Inc. (TCFEF). He is responsible for the strategic direction, overall business development, operations, and financial results, of the company. In 1995 Mr. Henak founded First Commercial Capital Corp (FCCC), a general equipment leasing company, which was acquired by TCF in 2000. Mr. Henak served as Executive Vice President of Computer Leasing, Inc. (CLI) of Hackensack, NJ for 11 years prior to founding FCCC. While at CLI he directed the company's institutional and corporate equity and portfolio placement activities.  Prior to entering the equipment finance industry Mr. Henak was a certified public accountant with KPMG Peat Marwick in the Des Moines, IA and Minneapolis, MN offices.   Mr. Henak received his bachelor's degree from Wartburg College in Waverly, IA and his Certified Public Accountant certification in 1981. He is a native of Coon Rapids, IA. Michael A. Kloos Mike Kloos is SVP-Strategic Business Development for TCF Equipment Finance. is responsible for leading such new segments, markets, or acquired sales teams from the incubation and development stages to a level of maturity. He is also responsible for assisting with the effort to identify and close strategic company acquisitions. In October of 1994, Mike joined VGM Financial Services (acquired by TCF in March of2004) to lead its sales and marketing efforts. Before that, he originated large ticket tax leases for Cargill and vendor medical programs for LeaseAmerica in Phoenix, Arizona. Prior to his leasing career, Mike was in banking with Citigroup (Denver CO) and The Federal Reserve Bank of Chicago. Mike holds a business degree from The American Institute of Business, Des Moines, Iowa, and is a native of Cedar Rapids. Luke Lewy Luke Lewy is Vice President and Chief Technology Officer for TCF Equipment Finance (TCFEF). In his role, Luke is responsible for TCFEF application teams, infrastructure and IT compliance teams. Luke has over 27 years of experience in various IT roles. Prior to joining TCFEF in August 2011, Luke spent 6+ years at Lifetouch National School Studios delivering various IT services to their North American operations. Prior to Lifetouch he held several IT positions with two large retail organizations, Best Buy and Target. Luke started his career in IT with Burlington Northern Santa Fe Railroad.   Luke received his bachelor's degree in Business Administration from Western Michigan University and is a native of Dearborn, MI.

    23. Senior Management Brick W. Moore Brick W. Moore is Senior Vice President of Credit for TCF Equipment Finance, Inc.(TCFEF). Brick's primary responsibilities are focused on managing the TCFEF Credit Teams including underwriting, credit policy, and scorecard development. Brick also has managerial oversight for Credit Administration of TCFEF including BSA/AML Compliance, Reserves Adequacy, and Criticized/Classified Loan Management Processes. Prior to joining TCFEF in 2010, Brick spent four (4) years as the Corporate Director of Credit for Paccar Financial Corp.'s U.S. and Canadian Operations in Bellevue, WA. Prior to that, Brick served ten (10) years in a variety of positions for CitiCapital/Associates, primarily in Credit Management, Workout Administration and related underwriting roles in Dallas, TX. Brick received his BBA degree in Accounting from Texas Wesleyan University and his MBA in Finance from Texas Christian University in Fort Worth, TX. Jodie L. Palmer Jodie Palmer is Senior Vice President of Operations for TCF Equipment Finance. Jodie's primary areas of responsibility include documentation, funding, and program management. Jodie previously served as the Controller of TCFEF for 10 years. Jodie has been an employee of TCF since 1993 serving in various accounting and finance roles at TCF Bank and TCF Financial Corporation from 1993-2000. Prior to joining TCF, Jodie worked as a marketing cost analyst in the financial services division of Electronic Data Systems (EDS) in Dallas, Texas, which provided technology services to financial institutions. Jodie holds a bachelor's degree in Business Administration with concentrations in Finance and International Business from Minnesota State University-Mankato and is a Certified Management Accountant (CMA) and is Certified in Financial Management (CFM). Gary A. Peterson Gary Peterson is the Senior Vice President and National Sales Manager for TCF Equipment Finance, Inc. ("TCFEF"). His primary responsibility is the Sales and Marketing Management of the TCFEF business segments including, Construction, Manufacturing, Specialty Markets and Diversified Industries. Prior to joining TCFEF in April of 2004 Gary spent 11 years with The CIT Group in various Sales and Sales management roles followed by 16 years at GE Capital where he also held several VP of Sales and General Management positions. Mr. Peterson holds a bachelor's degree in Finance from St. Cloud State University and is a native of Southwestern Minnesota.

    24. Senior Management Lisa Stallock Lisa Stallock is Vice President and Controller of TCF Equipment Finance.  Her main responsibility is to close the monthly financial books and provide financial reporting to the organization.  Lisa is responsible for working with the bank internal and external reporting groups to ensure regulatory and reporting compliance along with adequate controls.  Prior to joining TCFEF in 2011, Lisa was Vice President of Finance at Jacobus Energy, a privately held business in Wisconsin.  Prior to Jacobus, Lisa worked in various financial leadership roles for 13 years at General Electric.   Lisa is a CPA, license currently inactive, received her BBA from Gustavus Adolphus College in St. Peter Minnesota, and received her MBA from St. Thomas University in St. Paul, Minnesota. Bob Stark Robert J. Stark is Senior Vice President of TCF Equipment Finance, Inc. ("TCFEF") with overall responsibility for all Portfolio Administration including Collections, Workouts, Equipment Management, Asset Management, Customer Service and Compliance . In addition, Mr. Stark manages TCFEF's Portfolio Acquisitions Group . Prior to joining TCFEF in September of 2001, Bob was Chief Credit Officer for the Capital Equipment Group of Firstar Equipment Finance, Inc. for five years. In addition, Mr. Stark spent 8 years in a variety of positions within Norwest Equipment Finance, Inc., mainly in the Portfolio and Credit departments. Mr. Stark received his bachelor's degree from the University of Minnesota - Carlson School of Management in Business Finance. In addition, Mr. Stark holds MBA degrees in Strategic Management and Corporate Finance from the Carlson School of Management at the University of Minnesota. Judy I. VanOsdel Judy I. VanOsdel is Vice President and Senior Attorney for TCF Equipment Finance, Inc. ("TCFEF"). Judy serves as in-house counsel to TCFEF and her primary responsibilities include providing legal advice to TCFEF, drafting standard documents and negotiating key vendor and portfolio acquisition agreements. Prior to joining TCFEF in November of 2010, Judy spent 18 years in the Law Department of Wells Fargo & Company where she provided legal support to various business lines, including Wells Fargo Bank and Wells Fargo Equipment Finance, Inc. Judy received her Juris Doctor Degree from William Mitchell College of Law in St. Paul, MN and her undergraduate degree from the University of South Dakota in Vermillion, SD.

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