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Filing tables
Filing exhibits
- 10-K Annual report
- 12.1 Computation of Ratio of Earnings to Fixed Charges
- 13.1 2005 Annual Report to Shareholders
- 14.1 Code of Ethics
- 21.1 Subsidiaries
- 23.1 Consent of Independent Auditors
- 31.1 Certification of CEO Pursuant to Section 302
- 31.2 Certification of CFO Pursuant to Section 302
- 32.1 Certification of CEO and CFO Pursuant to Section 906
Related press release
WTFC similar filings
Filing view
External links
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, | ||||||||||||||||||||||
2005 | 2004 | 2003 | 2002 | 2001 | ||||||||||||||||||
Income before income taxes | A | $ | 104,950 | $ | 80,887 | $ | 59,344 | $ | 42,495 | $ | 29,129 | |||||||||||
Interest expense: | ||||||||||||||||||||||
Interest on deposits | $ | 156,252 | $ | 83,135 | $ | 67,963 | $ | 70,061 | $ | 83,503 | ||||||||||||
Interest on other borrowings | C | 34,025 | 20,787 | 15,536 | 14,044 | 8,938 | ||||||||||||||||
Total interest expense | B | $ | 190,277 | $ | 103,922 | $ | 83,499 | $ | 84,105 | $ | 92,441 | |||||||||||
Ratio of earnings to fixed charges: | ||||||||||||||||||||||
Including deposit interest | (A+B) / B | 1.55 | x | 1.78 | x | 1.71 | x | 1.51 | x | 1.32 | x | |||||||||||
Excluding deposit interest | (A+C) / C | 4.08 | x | 4.89 | x | 4.82 | x | 4.03 | x | 4.26 | x | |||||||||||