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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
September 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 October 30, 2020, there were 152,487,285 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 (Unaudited)
(Dollars in thousands, except per share data)
At September 30, 2020
 
At December 31, 2019
ASSETS
 
 
 
Cash and cash equivalents:
 
 
 
Cash and due from banks
$
538,481

 
$
491,787

Interest-bearing deposits with other banks
1,232,773

 
736,584

Total cash and cash equivalents
1,771,254

 
1,228,371

Federal Home Loan Bank and Federal Reserve Bank stocks, at cost
300,444

 
442,440

Investment securities:
 
 
 
Available-for-sale, at fair value (amortized cost of $7,187,692 and $6,639,277)
7,446,163

 
6,720,001

Held-to-maturity, at amortized cost (fair value of $180,364 and $144,844)
170,309

 
139,445

Total investment securities
7,616,472

 
6,859,446

Loans and leases held-for-sale (includes $460,172 and $91,202 at fair value)
460,427

 
199,786

Loans and leases
34,343,691

 
34,497,464

Allowance for loan and lease losses
(515,229
)
 
(113,052
)
Loans and leases, net
33,828,462

 
34,384,412

Premises and equipment, net
469,699

 
533,138

Goodwill
1,313,046

 
1,299,878

Other intangible assets, net
151,875

 
168,368

Loan servicing rights
38,253

 
56,313

Other assets
1,615,857

 
1,479,401

Total assets
$
47,565,789

 
$
46,651,553

LIABILITIES AND EQUITY
 
 
 
Liabilities
 
 
 
Deposits:
 
 
 
Noninterest-bearing
$
10,691,041

 
$
7,970,590

Interest-bearing
28,481,056

 
26,497,873

Total deposits
39,172,097

 
34,468,463

Short-term borrowings
655,461

 
2,669,145

Long-term borrowings
871,845

 
2,354,448

Other liabilities
1,207,966

 
1,432,256

Total liabilities
41,907,369

 
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 - 152,379,722 shares at September 30, 2020 and 152,965,571 shares at December 31, 2019
152,380

 
152,966

Additional paid-in capital
3,450,669

 
3,462,080

Retained earnings
1,700,044

 
1,896,427

Accumulated other comprehensive income
191,771

 
54,277

Other
(27,122
)
 
(28,037
)
Total TCF Financial Corporation shareholders' equity
5,637,044

 
5,707,015

Non-controlling interest
21,376

 
20,226

Total equity
5,658,420

 
5,727,241

Total liabilities and equity
$
47,565,789

 
$
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 September 30,
 
Nine Months Ended September 30,
(In thousands, except per share data)
2020
 
2019
 
2020
 
2019
Interest income
 
 
 
 
 
 
 
Interest and fees on loans and leases
$
373,112

 
$
417,370

 
$
1,209,034

 
$
983,890

Interest on investment securities:
 
 
 
 
 
 
 
Taxable
35,648

 
31,038

 
109,073

 
69,745

Tax-exempt
3,892

 
3,385

 
12,396

 
7,277

Interest on loans held-for-sale
3,829

 
1,408

 
8,712

 
2,832

Interest on other earning assets
3,967

 
6,607

 
14,995

 
13,739

Total interest income
420,448

 
459,808

 
1,354,210

 
1,077,483

Interest expense
 
 
 
 
 
 
 
Interest on deposits
31,852

 
70,900

 
146,056

 
149,154

Interest on borrowings
11,429

 
17,115

 
51,147

 
48,050

Total interest expense
43,281

 
88,015

 
197,203

 
197,204

Net interest income
377,167

 
371,793

 
1,157,007

 
880,279

Provision for credit losses
69,664

 
27,188

 
245,333

 
50,879

Net interest income after provision for credit losses
307,503

 
344,605

 
911,674

 
829,400

Noninterest income
 
 
 
 
 
 
 
Leasing revenue
31,905

 
39,590

 
102,642

 
117,032

Fees and service charges on deposit accounts
25,470

 
34,384

 
82,899

 
88,504

Net gains (losses) on sales of loans and leases
23,490

 
(5,984
)
 
73,114

 
13,374

Card and ATM revenue
23,383

 
23,315

 
65,704

 
62,470

Wealth management revenue
6,506

 
4,241

 
18,863

 
4,241

Servicing fee revenue
321

 
5,121

 
10,154

 
14,754

Net gains on investment securities
2,324

 
5,900

 
2,332

 
7,417

Other
5,411

 
(12,309
)
 
33,119

 
(312
)
Total noninterest income
118,810

 
94,258

 
388,827

 
307,480

Noninterest expense
 
 
 
 
 
 
 
Compensation and employee benefits
168,323

 
155,745

 
511,650

 
395,953

Occupancy and equipment
48,233

 
49,229

 
159,628

 
132,789

Lease financing equipment depreciation
17,932

 
19,408

 
54,594

 
57,797

Net foreclosed real estate and repossessed assets
1,518

 
2,203

 
4,375

 
9,281

Merger-related expenses
54,011

 
111,259

 
172,358

 
124,943

Other
83,423

 
87,776

 
245,675

 
194,781

Total noninterest expense
373,440

 
425,620

 
1,148,280

 
915,544

Income before income tax (benefit) expense
52,873

 
13,243

 
152,221

 
221,336

Income tax (benefit) expense
(4,429
)
 
(11,735
)
 
14,870

 
28,866

Income after income tax (benefit) expense
57,302

 
24,978

 
137,351

 
192,470

Income attributable to non-controlling interest
1,564

 
2,830

 
5,950

 
9,401

Net income attributable to TCF Financial Corporation
55,738

 
22,148

 
131,401

 
183,069

Preferred stock dividends
2,494

 
2,494

 
7,481

 
7,481

Net income available to common shareholders
$
53,244

 
$
19,654

 
$
123,920

 
$
175,588

Earnings per common share
 
 
 
 
 
 
 
Basic
$
0.35

 
$
0.15

 
$
0.82

 
$
1.79

Diluted
0.35

 
0.15

 
0.82

 
1.79

Weighted-average common shares outstanding
 
 
 
 
 
 
 
Basic
151,768,337

 
128,575,171

 
151,761,299

 
97,876,262

Diluted
151,821,592

 
128,754,588

 
151,826,928

 
98,055,279

 
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 September 30,
 
Nine Months Ended September 30,
(In thousands)
2020
 
2019
 
2020
 
2019
Net income attributable to TCF Financial Corporation
$
55,738

 
$
22,148

 
$
131,401

 
$
183,069

Other comprehensive income (loss), net of tax:
 

 
 

 
 

 
 

Net unrealized gains (losses) on available-for-sale investment securities and interest-only strips
(7,694
)
 
19,230

 
138,550

 
87,223

Net unrealized gains (losses) on net investment hedges
(2,655
)
 
1,641

 
3,269

 
(2,846
)
Foreign currency translation adjustment
3,721

 
(1,968
)
 
(4,298
)
 
5,014

Recognized postretirement prior service cost
(9
)
 
(9
)
 
(27
)
 
(25
)
Total other comprehensive income (loss), net of tax
(6,637
)
 
18,894

 
137,494

 
89,366

Comprehensive income
$
49,101

 
$
41,042

 
$
268,895

 
$
272,435

 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 September 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, 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

Net income





55,738



55,738

1,564

57,302

Other comprehensive income (loss), net of tax






(6,637
)

(6,637
)

(6,637
)
Net investment by (distribution to) non-controlling interest









(3,488
)
(3,488
)
Dividends on 5.70% Series C Preferred Stock





(2,494
)


(2,494
)

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





(53,680
)


(53,680
)

(53,680
)
Stock compensation plans, net of tax<