Wintrust Financial (WTFC) 10-K2012 FY Annual report

Filed: 28 Feb 13, 12:00am

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Wintrust Financial Corporation

Form 10-K, Exhibit 12.2

Computation of Ratio of Earnings to Fixed Charges and Preferred Stock Dividends

The following table presents the calculation of the ratio of earnings to fixed charges and preferred stock dividends for the last five years.



(Dollars in thousands)		Years ended December 31,
		2012		2011		2010		2009		2008
Income before income taxes	A	$	180,132	$	128,033	$	100,807	$	117,504	$	30,641

Interest expense:
Interest on deposits		$	68,305	$	87,938	$	123,779	$	171,259	$	219,437
Interest on other borrowings	C	39,200		56,478		53,492		44,479		50,719
Total interest expense	B	$	107,505	$	144,416	$	177,271	$	215,738	$	270,156

Dividends on preferred shares ⁽¹⁾	D	$	14,836	$	6,592	$	44,810	$	27,009	$	3,377

Ratio of earnings to fixed charges and preferred stock dividends:
Including deposit interest	(A+B) / (B+D)	2.35x		1.80x		1.25x		1.37x		1.10x
Excluding deposit interest	(A+C) / (C+D)	4.06x		2.93x		1.57x		2.27x		1.50x

(1) The dividends on preferred shares were increased to amounts representing the pre-tax earnings that would be required to cover such dividend requirements.