TD Bank's bigger U.S. presence boosted its loan growth and helped offset the hit from higher provisions for credit losses (PCLs). Dec 1 (Reuters) - Canadian Imperial Bank of Commerce (CIBC) CM.TO, Toronto-Dominion Bank TD.TO and Bank of Montreal BMO.TO on Thursday joined their bigger peers in setting aside more money to cover potential loan defaults by inflation-hit customers. TD Bank alone from the three banks beat market estimates for profit in the fourth quarter as it benefited from a bigger U.S. retail lending business than its peers.