TD Bank, National Association
                    
                            Major Rating Factors:
                             Excellent current capitalization (9.8 on a scale of 0 to 10) based on a risk-based capital ratio of 19.1 and a capital leverage ratio of 10.8. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.0 on a scale of 0 to 10). 
                        
                    
                            Other Rating Factors:
                             A current level of 4.3 percent of nonperforming loans to core capital combined with 2.6 percent from a year earlier contributes to the Good asset quality (5.7). Fair liquidity 4.7, driven by a liquidity ratio of 29.0 percent and a “hot money” ratio of 6.3 percent. 
                        
                    
                            Asset Mix:
                            Securities (35%), consumer loans (10%), home mtgs (10%), cash (10%), comm loans (7%), comm re (6%), home eq lns (2%), other (20%)
                        
                    
                            States with Branches:
                             CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA, VT
                        
                    Asset Quality
                        Non-Performing Loans to Capital
                            
                        Non-Performing Assets to Assets
                            
                        Non-Performing Loans to Loans
                            
                        Loan Loss Reserves to Loans
                            
                        Charge-Offs to Average Loans
                            
                        5-Year Charge-Offs to Average Loans
                            
                        5-Year Asset Growth
                            
                        1-Year Asset Growth
                            
                        Profitability
                        Operating Profit to Average Assets
                            
                        Return on Equity
                            
                        Net Interest Spread
                            
                        5-Year ROAA (Return on Average Assets)
                            
                        Overhead Efficiency Ratio
                            
                        Corporate Info
                        Group Affiliation
                            The Toronto-Dominion Bank
                        Investment Rating
                            
                        Address
                            
                                2035 Limestone Road 
Wilmington, DE 19808
                        Wilmington, DE 19808
Phone Number
                            (302) 351-4560
                        Year Founded
                              1852
                        FDIC Number
                            
                        Website
                            
                        Largest Affiliates
                        
                                                    Wilmington, DE
                                                     - 
                                                    Bank