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Filing tables
Filing exhibits
- 10-K Annual report
- 12.1 Computation of Ratio of Earnings to Fixed Charges
- 12.2 Computation of Ratio of Earnings to Fixed Charges and Preferred Stock Dividends
- 13.1 2013 Annual Report to Shareholders
- 14.1 Corporate Code of Ethics
- 21.1 Subsidiaries of the Registrant
- 23.1 Consent of Independent Registered Public Accounting Firm
- 31.1 Cert of Chief Executive Officer Pursuant to Section 302
- 31.2 Cert of the Chief Financial Officer Pursuant to Section 302
- 32.1 Cert Chief Executive Officer & Chief Financial Officer to 18 U.s.c. Section 1350
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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, | |||||||||||||||
2013 | 2012 | 2011 | 2010 | 2009 | ||||||||||||
Income before income taxes | A | $ | 224,440 | $ | 180,132 | $ | 128,033 | $ | 100,807 | $ | 117,504 | |||||
Interest expense: | ||||||||||||||||
Interest on deposits | $ | 53,191 | $ | 68,305 | $ | 87,938 | $ | 123,779 | $ | 171,259 | ||||||
Interest on other borrowings | C | 26,891 | 39,200 | 56,478 | 53,492 | 44,479 | ||||||||||
Total interest expense | B | $ | 80,082 | $ | 107,505 | $ | 144,416 | $ | 177,271 | $ | 215,738 | |||||
Dividends on preferred shares (1) | D | $ | 13,822 | $ | 14,836 | $ | 6,592 | $ | 44,810 | $ | 27,009 | |||||
Ratio of earnings to fixed charges and preferred stock dividends: | ||||||||||||||||
Including deposit interest | (A+B) / (B+D) | 3.24x | 2.35x | 1.80x | 1.25x | 1.37x | ||||||||||
Excluding deposit interest | (A+C) / (C+D) | 6.17x | 4.06x | 2.93x | 1.57x | 2.27x |
(1) The dividends on preferred shares were increased to amounts representing the pre-tax earnings that would be required to cover such dividend requirements.