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Filing tables
Filing exhibits
- 10-K Annual report
- 10.23 Employment Agreement
- 10.31 Form of Nonqualified Stock Option Agreement
- 10.32 Form of Restricted Stock Award
- 12.1 Computation of Ratio of Earnings to Fixed Charges
- 13.1 2006 Annual Report to Shareholders
- 21.1 Subsidiaries
- 23 Consent of Independent Auditors
- 31.1 Certification of CEO
- 31.2 Certification of the CFO
- 32.1 Section 1350 Certifications
- 99.1 First Amendment to Credit Agreement
- 99.2 Second Amendment to Credit Agreement
- 99.3 Third Amendment to Credit Agreement
- 99.4 Fifth Amendment to Second Amended and Restated Loan Agreement
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, | |||||||||||||||||||||||||
2006 | 2005 | 2004 | 2003 | 2002 | |||||||||||||||||||||
Income before income taxes | A | $ | 104,241 | $ | 104,950 | $ | 80,887 | $ | 59,344 | $ | 42,495 | ||||||||||||||
Interest expense: | |||||||||||||||||||||||||
Interest on deposits | $ | 265,729 | $ | 156,252 | $ | 83,135 | $ | 67,963 | $ | 70,061 | |||||||||||||||
Interest on other borrowings | C | 43,330 | 34,025 | 20,787 | 15,536 | 14,044 | |||||||||||||||||||
Total interest expense | B | $ | 309,059 | $ | 190,277 | $ | 103,922 | $ | 83,499 | $ | 84,105 | ||||||||||||||
Ratio of earnings to fixed charges: | |||||||||||||||||||||||||
Including deposit interest | (A+B) / B | 1.34 | x | 1.55 | x | 1.78 | x | 1.71 | x | 1.51 | x | ||||||||||||||
Excluding deposit interest | (A+C) / C | 3.41 | x | 4.08 | x | 4.89 | x | 4.82 | x | 4.03 | x | ||||||||||||||