Article: TD Banknorth, 1Q Profits Down, Planning Projects.

TD Banknorth Inc., which reported first-quarter results that it acknowledged were lackluster, said it is undertaking a set of initiatives with the help of its parent company to enhance its product lineup and service levels.

Earnings fell 27.6% from a year earlier, to $55.2 million, largely because of charges related to acquisitions and cost-cutting efforts, the $41.2 billion-asset Portland, Maine, unit of Toronto-Dominion Bank said Monday. Its outlook for credit quality and competition for loans and deposits remained downbeat.

"Our earnings are not where we would like them to be," Bharat B. Masrani, TD Banknorth's president and chief executive, said on a conference ...

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