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Filing tables
Filing exhibits
- 10-K Annual report
- 10.2 First Amendment to Credit Agreement
- 10.3 Second Amendment to Credit Agreement
- 10.5 First Amending Agreement to Receivables Purchase Agreement
- 10.18 Employment Agreement
- 10.19 First Amendment to Employment Agreement
- 10.30 Performance Share Unit Agreement Shares Settled
- 10.31 Performance Share Unit Agreement Cash Settled
- 12.1 Computation of Ratio of Earnings to Fixed Charges
- 12.2 Computation of Ratio of Earnings to Fixed Charges and Preferred Stock Dividends
- 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 12.1
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, | |||||||||||||||
2015 | 2014 | 2013 | 2012 | 2011 | ||||||||||||
Income before income taxes | A | $ | 251,765 | $ | 246,431 | $ | 224,440 | $ | 180,132 | $ | 128,033 | |||||
Interest expense: | ||||||||||||||||
Interest on deposits | $ | 48,863 | $ | 48,411 | $ | 53,191 | $ | 68,305 | $ | 87,938 | ||||||
Interest on other borrowings | C | 28,072 | 24,281 | 26,891 | 39,200 | 56,478 | ||||||||||
Total interest expense | B | $ | 76,935 | $ | 72,692 | $ | 80,082 | $ | 107,505 | $ | 144,416 | |||||
Ratio of earnings to fixed charges: | ||||||||||||||||
Including deposit interest | (A+B) / B | 4.27x | 4.39x | 3.80x | 2.68x | 1.89x | ||||||||||
Excluding deposit interest | (A+C) / C | 9.97x | 11.15x | 9.35x | 5.60x | 3.27x |