## Non-GAAP Financial Measures 

In analyzing results, TCF may utilize or make reference to various non-GAAP financial measures. The use of these non-GAAP finan- cial measures is intended to provide more meaningful informa- tion related to TCF’s consolidated financial condition and results of operations and is summarized as follows: 

“Top-line revenue” Top-line revenue consists of net interest income plus fees and other revenues. These amounts are reported separately in the consolidated statements of income. This measure is intended to represent revenues from core operations for TCF and exclude cer- tain components of non-interest income which generally occur less frequently and are not derived from ongoing customer transactions including: gains on sales of securities available for sale, branches, loan servicing and subsidiaries and title insurance revenues. TCF believes “Top-line revenue” is a meaningful measurement of core business revenues. 

“Power Assets ® and Power Liabilities ® ” Power Assets and Power Liabilities are names associated with certain subtotals already present on the consolidated statements of financial condition. Power Assets repre- sent the subtotal of all consumer, commercial real estate, commer- cial business, and leasing and equipment finance loans and leases. Power Liabilities is synonymous with total deposits and thus includes all checking, savings, money market, and certificate deposits. Growth in Power Assets leads to improved net interest income as the margin on such loans is greater than other investment alternatives. Growth in Power Liabilities will benefit net interest income by allowing TCF to reduce higher cost borrowings and generally is the starting point to a customer’s use of other TCF products and services. 

“Return on average realized common equity” Return on average realized common equity (“RORE”) is computed by taking annualized net income from the consolidated statements of income and dividing it by average common stockholders’ equity, excluding accumulated other comprehensive income (loss), for the period. The comparable GAAP financial measure is return on average common equity (“ROE”) which is reported along with RORE. TCF believes the use of RORE more accurately reflects the return on the common equity of the Company, and removes the volatility that is present in the ROE computation resulting from the inclusion of net unrealized gains (losses) on secu- rities available for sale which can fluctuate significantly from period- to-period due to changes in the fair value of such securities. 

## Forward-Looking Information 

This Annual Report and other reports issued by the Company, including reports filed with the Securities and Exchange Commission, may contain “forward-looking” statements that deal with future results, plans or performance. In addition, TCF’s management may make such statements orally to the media, or to securities analysts, investors or others. Forward-looking statements deal with matters that do not relate strictly to historical facts. TCF’s future results may differ mate- rially from historical performance and forward-looking statements about TCF’s expected financial results or other plans are subject to a number of risks and uncertainties. These include but are not lim- ited to possible legislative changes and adverse economic, business and competitive developments such as shrinking interest margins; deposit outflows; ability to increase the number of checking accounts and the possibility that deposit account losses (fraudulent checks, etc.) may increase; reduced demand for financial services and loan and lease products; adverse developments affecting TCF’s super- market banking relationships or any of the supermarket chains in which TCF maintains supermarket branches; changes in accounting policies or guidelines, or monetary and fiscal policies of the federal government; changes in credit and other risks posed by TCF’s loan, lease and investment portfolios; technological, computer-related or operational difficulties; adverse changes in securities markets; the risk that TCF could be unable to effectively manage the volatility of its mortgage banking business, which could adversely affect earnings; results of litigation or other significant uncertainties. 

