TCF Financial Corporation's CEO Discusses Q4 2011 Results - Earnings Call Transcript

TCF Financial Corporation ( TCB)

Q4 2011 Earnings Call

January 24, 2012 11:00 a.m. ET


William A. Cooper - Chairman and CEO

Barry N. Winslow - Vice Chairman of Corporate Development

Mr. Neil Brown - Chief Risk Officer

Thomas F. Jasper - Vice Chairman of Funding, Operations and Finance

Craig R. Dahl - Vice Chairman of Lending

Michael S. Jones - Chief Financial Officer

Earl D. Stratton - Chief Operations Officer

Jason Korstange - Director of TCF Corporate Communications


Jon Arfstrom - RBC Capital Markets

Steven Alexopoulos - J.P. Morgan Securities

Ken Zerbe - Morgan Stanley

Connor Fitzgerald - Bank of America Merrill Lynch

Chris Gamaitoni - Compass Point

Emlen Harmon - Jefferies & Company

Steve Scinicariello - UBS Securities

Tom Alonso - Macquarie Securities

Ken Barger - FBR Capital Markets

Andrew Marquardt - Evercore Partners

Andrew Boord – Fenimore

Peyton Green - Sterne Agee & Leach

Tony Davis - Stifel Nicolaus



Good morning and welcome to TCF’s 2011 Year End and Fourth Quarter Earnings Call. My name is Christy and I will be your conference operator today.

All lines have been placed on mute to prevent any background noise. After the speakers’ remarks there will be a question-and-answer period. (Operator Instructions)

At this time I would like to introduce Mr. Jason Korstange, Director of TCF Corporate Communications to begin the conference.

Jason Korstange

Good morning. Mr. William Cooper, Chairman and CEO will host this conference. Joining Mr. Cooper will be Mr. Barry Winslow, Vice Chairman of Corporate Development; Mr. Neil Brown, Chief Risk Officer; Mr. Tom Jasper, Vice Chairman of Funding, Operations and Finance; Mr. Craig R. Dahl, Vice Chairman of Lending; Mr. Mike Jones, Chief Financial Officer and Mr. Earl Stratton, Chief Operations Officer.

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