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Wintrust Financial Corporation
Form 10-K, Exhibit 12.1
Form 10-K, Exhibit 12.1
Computation of Ratio of Earnings to Fixed Charges
The following table presents the calculation of the ratio of earnings to fixed charges for the last five years.
(dollars in thousands)
Years ended December 31, | ||||||||||||||||||||||||
2010 | 2009 | 2008 | 2007 | 2006 | ||||||||||||||||||||
Income before income taxes | A | $ | 100,807 | $ | 117,504 | $ | 30,641 | $ | 83,824 | $ | 104,241 | |||||||||||||
Interest expense: | ||||||||||||||||||||||||
Interest on deposits | $ | 123,779 | $ | 171,259 | $ | 219,437 | $ | 294,914 | $ | 265,729 | ||||||||||||||
Interest on other borrowings | C | 53,492 | 44,479 | 50,719 | 55,093 | 43,330 | ||||||||||||||||||
Total interest expense | B | $ | 177,271 | $ | 215,738 | $ | 270,156 | $ | 350,007 | $ | 309,059 | |||||||||||||
Ratio of earnings to fixed charges: | ||||||||||||||||||||||||
Including deposit interest | (A+B) / B | 1.57 | x | 1.54 | x | 1.11 | x | 1.24 | x | 1.34 | x | |||||||||||||
Excluding deposit interest | (A+C) / C | 2.88 | x | 3.64 | x | 1.60 | x | 2.52 | x | 3.41 | x | |||||||||||||