TCF Financial's Discusses Reposition Of Balance Sheet (Transcript)

TCF Financial Corporation ( TCB)

Reposition of Balance Sheet Call

March 13, 2012 11:00 AM ET


Jason Korstange – Director

William Cooper – Chairman & CEO

Mike Jones – CFO & EVP

Tom Jasper – EVP, Funding – Operations and Finance

Craig Dahl – Chairman – TCF Inventory Finance


Jon Arfstrom – RBC Capital Markets

Steve Alexopoulos – JPMorgan

Chris McGratty – KBW

Tony Davis – Stifel Nicolaus

Erika Penala of Bank – Bank of America Merrill Lynch

Paul Miller – FBR Capital Markets

Terry McEvoy – Oppenheimer

Steve Zuccarello – UBS

Emlen Harmon – Jefferies

Chris Gamatoni – Compass Point

Andrew Marquardt – Evercore Partners



Good morning and welcome to TCF’s Conference Call. My name is Christy and I will be your conference operator today. (Operator Instructions). At this time I would like to introduce Mr. Jason Korstange, Director of TCF Corporate Communications to begin the conference call.

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 Dahl, Vice Chairman of Lending; Mr. Mike Jones, Chief Financial Officer and Mr. Earl Stratton, Chief Operations Officer.

During this presentation, we may make projections and other forward-looking statements regarding future events or the future financial performance of the company. We caution you that such statements are predictions and that actual events or results may differ materially. Please see our forward-looking statement disclosure contained in our 2011 Form 10K for more information about risks and uncertainties, which may affect us. The information we will provide today is accurate as of March 13th, 2011 and we undertake no duty to update the information.

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