Slide 1: Investor Conference Call
Exhibit 99.1 Investor Conference Call November 17, 2011
Slide 2: Forward-Looking Statements
Forward-Looking Statements This presentation contains forward-looking statements, which can be identified by the use of such words as estimate, project, believe, intend, anticipate, plan, seek, expect and similar expressions. These forward-looking statements include: Statements of our goals, intenti
Slide 3: Overview of TFS Financial Corporation
Overview of TFS Financial Corporation Organized in 1997 as the mid-tier stock holding company for Third Federal Savings & Loan Association of Cleveland (“Thrift”), which was founded in 1938 by Ben and Gerome Stefanski Completed first step IPO conversion in April 2007 TFSL (NASDAQ) Financials at 9/30
Slide 4: Strategic Overview
Strategic Overview Our business model is to originate and service first mortgage loans and continue to service existing home equity loans and lines, which we fund with core retail deposits Historically a fixed rate lender, but 55% of fiscal 2011 loan production was Smart Rate adjustable rate mortgag
Slide 5: Markets of Operation
Markets of Operation Ohio 22 full service branches in Northeast Ohio 4 loan production offices in the Columbus area (Central Ohio) 4 loan production offices in the Cincinnati area (Southwestern Ohio) Deposits Market Market MSA Branches ($M) Share (%) Rank Cleveland-Elyria-Mentor, OH 19 5,405 11.23 3
Slide 6: Financial Highlights
Financial Highlights (Dollars in Thousands) At, or for the year ended, At, or for the three months ended, 9/30/11 9/30/10 9/30/09 9/30/11 6/30/11 9/30/10 Balance Sheet Assets ($) 10,892,948 11,076,027 10,598,840 10,892,948 10,877,541 11,076,027 Net Loans ($) 9,750,943 9,181,749 9,219,585 9,750,943 9
Slide 7: Capital Position as of September 30, 2011
Capital Position as of September 30, 2011 25.00% 22.29% 21.04% 20.00% 16.21% 15.00% 13.90% 10.00% 10.00% 6.00% 5.00% 5.00% 0.00% Tangible Common Core Capital Ratio Tier 1 Risk-based Ratio Total Risk-Based Equity Ratio (TFSL) (Thrift) (Thrift) Capital Ratio (Thrift) TFSL/Thrift Well Capitalized 7
Slide 8: Loan and Deposit Balances
Loan and Deposit Balances 80% of first mortgages in Ohio No brokered deposits Also service $5.4 billion in loans for Average branch has $223 million in deposits others *About Home Today: An affordable housing program targeted toward low and moderate income home buyers that is designed to teach the e
Slide 9: Adjustable Rate Growth
Adjustable Rate Growth Smart Rate adjustable product began July 2010 Loan Production, 9/30/10 Fiscal year 2011 total loan production of $2.14 billion was 81% 19% 55% adjustable and 45% fixed Adjustable Fixed Average credit score of fiscal 81% 2011 ARM production is 775 with average LTV of 63% Total
Slide 10: Loan Delinquencies and Charge-offs
Loan Delinquencies and Charge-offs Dollars in millions Loan Net Charge Offs Delinquencies at: Balances Quarter-end FYE 9/30/11 9/30/11 6/30/11 9/30/10 9/30/11 6/30/11 9/30/11 9/30/10 Residential non-Home Today Ohio $5,692 1.4% 1.5% 1.9% $2 $3 $9 $5 Florida $1,269 5.1% 5.1% 5.2% 3 2 9 7 Other 160 0.7
Slide 11: Regulatory Status
Regulatory Status Company believes it has met all key provisions of February 7, 2011 MOU received from OTS, subject to regulatory exam validation Supervisory responsibility transferred from OTS to OCC (for thrift) and Federal Reserve (for holding company) on July 21, 2011 Dividends and stock buyback
Slide 12: Cash Dividends and Stock Repurchases
Cash Dividends and Stock Repurchases Under the terms of the MOU, TFS Financial must provide 45 days written notice and obtain the non-objection of its regulator prior to the Company’s intent to declare and pay dividends to its stockholders or repurchase any of its outstanding stock. The Company unde
Slide 13: Summary
Summary Focus on our core competency of originating high credit quality 1-4 family residential mortgages primarily in our banking footprint, expanding into new markets with our adjustable rate mortgage loans TFSL has a strong capital position and flexibility at the holding company Working with new r
Slide 14: Investor Questions
Investor Questions Investor Conference Call November 17, 2011 14