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Section 1: 10-Q (10-Q)

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Table of Contents



 
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
 
FORM 10-Q
 
QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d)
OF THE SECURITIES EXCHANGE ACT OF 1934

For the quarterly period ended
June 30, 2020
or
Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

 Commission File No. 000-08185
 
TCF Financial Corporation
(Exact name of registrant as specified in its charter)
Michigan
38-2022454
(State or other jurisdiction of incorporation or organization)
(I.R.S. Employer Identification No.)
 
333 W. Fort Street, Suite 1800
Detroit, Michigan 48226
(Address and Zip Code of principal executive offices)
(800) 867-9757
(Registrant's telephone number, including area code)


Securities registered pursuant to Section 12(b) of the Act:
Title of each class
Trading Symbol(s)
Name of each exchange on which registered
Common Stock (par value $1 per share)
TCF
The NASDAQ Stock Market
Depositary shares, each representing a 1/1000th interest in a share of the 5.70% Series C Non-Cumulative Perpetual Preferred Stock
TCFCP
The NASDAQ Stock Market

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.
Yes                                                    No
 
Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files).
Yes                                                    No
 
Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging growth company. See the definitions of "large accelerated filer," "accelerated filer," "smaller reporting company," and "emerging growth company" in Rule 12b-2 of the Exchange Act.
 
Large accelerated filer
Accelerated filer
 
Non-accelerated filer
Smaller reporting company
 
 
 
Emerging growth company

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).
Yes                                                  No

As of July 31, 2020, there were 152,233,970 shares outstanding of the registrant's common stock, par value $1 per share, its only outstanding class of common stock.


Table of Contents



TABLE OF CONTENTS
 
Description
Page
 
 
Part I - Financial Information
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Part II - Other Information
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 




Table of Contents



Part I - Financial Information                                                

Item 1. Financial Statements.

TCF FINANCIAL CORPORATION AND SUBSIDIARIES
Consolidated Statements of Financial Condition
(Dollars in thousands, except per share data)
At June 30, 2020
 
At December 31, 2019
 
(Unaudited)
 
 

ASSETS
 
 
 
Cash and cash equivalents:
 
 
 
Cash and due from banks
$
535,507

 
$
491,787

Interest-bearing deposits with other banks
2,545,170

 
736,584

Total cash and cash equivalents
3,080,677

 
1,228,371

Federal Home Loan Bank and Federal Reserve Bank stocks, at cost
386,483

 
442,440

Investment securities:
 
 
 
Available-for-sale, at fair value (amortized cost of $6,951,283 and $6,639,277)
7,219,373

 
6,720,001

Held-to-maturity, at amortized cost (fair value of $141,107 and $144,844)
130,101

 
139,445

Total investment securities
7,349,474

 
6,859,446

Loans and leases held-for-sale (includes $458,553 and $91,202 at fair value)
532,799

 
199,786

Loans and leases
35,535,824

 
34,497,464

Allowance for loan and lease losses
(461,114
)
 
(113,052
)
Loans and leases, net
35,074,710

 
34,384,412

Premises and equipment, net
472,240

 
533,138

Goodwill
1,313,046

 
1,299,878

Other intangible assets, net
157,373

 
168,368

Loan servicing rights
38,816

 
56,313

Other assets
1,656,842

 
1,479,401

Total assets
$
50,062,460

 
$
46,651,553

LIABILITIES AND EQUITY
 
 
 
Liabilities
 
 
 
Deposits:
 
 
 
Noninterest-bearing
$
10,480,245

 
$
7,970,590

Interest-bearing
28,730,627

 
26,497,873

Total deposits
39,210,872

 
34,468,463

Short-term borrowings
2,772,998

 
2,669,145

Long-term borrowings
936,908

 
2,354,448

Other liabilities
1,483,127

 
1,432,256

Total liabilities
44,403,905

 
40,924,312

Equity
 
 
 
Preferred stock, $0.01 par value, 2,000,000 shares authorized; 7,000 shares issued
169,302

 
169,302

Common stock, $1.00 par value, 220,000,000 shares authorized
 
 
 
Issued - 152,233,106 shares at June 30, 2020 and 152,965,571 shares at December 31, 2019
152,233

 
152,966

Additional paid-in capital
3,441,925

 
3,462,080

Retained earnings
1,700,480

 
1,896,427

Accumulated other comprehensive income
198,408

 
54,277

Other
(27,093
)
 
(28,037
)
Total TCF Financial Corporation shareholders' equity
5,635,255

 
5,707,015

Non-controlling interest
23,300

 
20,226

Total equity
5,658,555

 
5,727,241

Total liabilities and equity
$
50,062,460

 
$
46,651,553

 
See accompanying notes to consolidated financial statements.



1

Table of Contents



TCF FINANCIAL CORPORATION AND SUBSIDIARIES
Consolidated Statements of Income (Unaudited)
 
Three Months Ended June 30,
 
Six Months Ended June 30,
(In thousands, except per share data)
2020
 
2019
 
2020
 
2019
Interest income
 
 
 
 
 
 
 
Interest and fees on loans and leases
$
392,826

 
$
283,282

 
$
835,922

 
$
566,520

Interest on investment securities:
 
 
 
 
 
 
 
Taxable
32,505

 
22,041

 
73,425

 
38,707

Tax-exempt
4,155

 
1,208

 
8,504

 
3,892

Interest on loans held-for-sale
3,322

 
599

 
4,883

 
1,424

Interest on other earning assets
5,562

 
3,651

 
11,028

 
7,132

Total interest income
438,370

 
310,781

 
933,762

 
617,675

Interest expense
 
 
 
 
 
 
 
Interest on deposits
46,785

 
40,646

 
114,204

 
78,254

Interest on borrowings
13,226

 
16,078

 
39,718

 
30,935

Total interest expense
60,011

 
56,724

 
153,922

 
109,189

Net interest income
378,359

 
254,057

 
779,840

 
508,486

Provision for credit losses
78,726

 
13,569

 
175,669

 
23,691

Net interest income after provision for credit losses
299,633

 
240,488

 
604,171

 
484,795

Noninterest income
 
 
 
 
 
 
 
Leasing revenue
37,172

 
39,277

 
70,737

 
77,442

Fees and service charges on deposit accounts
22,832

 
27,842

 
57,429

 
54,120

Net gains on sales of loans and leases
29,034

 
11,141

 
49,624

 
19,358

Card and ATM revenue
20,636

 
20,496

 
42,321

 
39,155

Wealth management revenue
6,206

 

 
12,357

 

Servicing fee revenue
3,041

 
4,523

 
9,833

 
9,633

Net gains on investment securities
8

 
1,066

 
8

 
1,517

Other
14,125

 
5,373

 
27,708

 
11,997

Total noninterest income
133,054

 
109,718

 
270,017

 
213,222

Noninterest expense
 
 
 
 
 
 
 
Compensation and employee benefits
171,799

 
116,266

 
343,327

 
240,208

Occupancy and equipment
54,107

 
41,850

 
111,395

 
83,560

Lease financing equipment depreciation
18,212

 
19,133

 
36,662

 
38,389

Net foreclosed real estate and repossessed assets
998

 
2,448

 
2,857

 
7,078

Merger-related expenses
81,619

 
4,226

 
118,347

 
13,684

Other
73,506

 
52,926

 
162,252

 
107,005

Total noninterest expense
400,241

 
236,849

 
774,840

 
489,924

Income before income tax expense
32,446

 
113,357

 
99,348

 
208,093

Income tax expense
6,213

 
19,314

 
19,299

 
40,601

Income after income tax expense
26,233

 
94,043

 
80,049

 
167,492

Income attributable to non-controlling interest
2,469

 
3,616

 
4,386

 
6,571

Net income attributable to TCF Financial Corporation
23,764

 
90,427

 
75,663

 
160,921

Preferred stock dividends
2,494

 
2,494

 
4,987

 
4,987

Net income available to common shareholders
$
21,270

 
$
87,933

 
$
70,676

 
$
155,934

Earnings per common share
 
 
 
 
 
 
 
Basic
$
0.14

 
$
1.07

 
$
0.47

 
$
1.89

Diluted
0.14

 
1.07

 
0.47

 
1.89

Weighted-average common shares outstanding
 
 
 
 
 
 
 
Basic
151,613,126

 
82,298,920

 
151,757,742

 
82,272,396

Diluted
151,660,139

 
82,298,920

 
151,837,226

 
82,272,396

 
See accompanying notes to consolidated financial statements.


2

Table of Contents



TCF FINANCIAL CORPORATION AND SUBSIDIARIES
Consolidated Statements of Comprehensive Income (Unaudited)
 
Three Months Ended June 30,
 
Six Months Ended June 30,
(In thousands)
2020
 
2019
 
2020
 
2019
Net income attributable to TCF Financial Corporation
$
23,764

 
$
90,427

 
$
75,663

 
$
160,921

Other comprehensive income (loss), net of tax:
 

 
 

 
 

 
 

Net unrealized gains (losses) on available-for-sale investment securities and interest-only strips
30,397

 
30,625

 
146,244

 
67,993

Net unrealized gains (losses) on net investment hedges
(4,557
)
 
(2,179
)
 
5,924

 
(4,487
)
Foreign currency translation adjustment
6,407

 
3,415

 
(8,019
)
 
6,982

Recognized postretirement prior service cost
(9
)
 
(8
)
 
(18
)
 
(16
)
Total other comprehensive income (loss), net of tax
32,238

 
31,853

 
144,131

 
70,472

Comprehensive income
$
56,002

 
$
122,280

 
$
219,794

 
$
231,393

 See accompanying notes to consolidated financial statements.


3

Table of Contents



TCF FINANCIAL CORPORATION AND SUBSIDIARIES
Consolidated Statements of Equity (Unaudited)
At or For the Three Months Ended June 30, 2020 and 2019
 
TCF Financial Corporation
 
 
 
Number of
Shares Issued
Preferred
Stock
Common
Stock
Additional
Paid-in
Capital
Retained
Earnings
Accumulated
Other
Comprehensive
Income (Loss)
Other
Total
Non-
controlling
Interest
Total
Equity
(Dollars in thousands)
Preferred
Common
Balance, March 31, 2020
7,000

152,185,984

$
169,302

$
152,186

$
3,433,234

$
1,732,932

$
166,170

$
(28,140
)
$
5,625,684

$
30,149

$
5,655,833

Net Income
 
 
 
 
 
23,764

 
 
23,764

2,469

26,233

Other comprehensive income (loss), net of tax






32,238


32,238


32,238

Net investment by (distribution to) non-controlling interest









(9,318
)
(9,318
)
Dividends on 5.70% Series C Preferred Stock





(2,494
)


(2,494
)

(2,494
)
Dividends on common stock of $0.35 per common share





(53,722
)


(53,722
)

(53,722
)
Stock compensation plans, net of tax

47,122


47

9,738




9,785


9,785

Change in shares held in trust for deferred compensation plans, at cost




(1,047
)


1,047




Balance, June 30, 2020
7,000

152,233,106

$
169,302

$
152,233

$
3,441,925

$
1,700,480

$
198,408

$
(27,093
)
$
5,635,255

$
23,300

$
5,658,555

Balance, March 31, 2019
7,000

88,063,038

$
169,302

$
88,063

$
789,467

$
1,810,701

$
5,481

$
(246,621
)
$
2,616,393

$
29,452

$
2,645,845

Net Income
 
 
 
 
 
90,427

 
 
90,427

3,616

94,043

Other comprehensive income (loss), net of tax






31,853


31,853


31,853

Net investment by (distribution to) non-controlling interest









(8,210
)
(8,210
)
Repurchases of 673,192 shares of common stock