Article: TD Banknorth Manages '07 Expectations.

TD Banknorth Inc. chairman and chief executive William J. Ryan warned investors last month that third-quarter earnings would come in below expectations, and on Wednesday the lower guidance was borne out.

Mr. Ryan also told investors yesterday that significant improvement was unlikely any time soon.

Operating earnings were 51 cents, a penny below the average analyst estimate, and TD Bank-north said profit was crimped by ongoing competition for loans and deposits. Operating earnings were also at the low end of Mr. Ryan's prediction of 51 to 54 cents. Factoring in 14 cents of charges and a gain of 1 cent a share, TD Bank-north earned 38 cents a share.

The Portland, ...

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