UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of Earliest Event Reported): October 19, 1999 WINTRUST FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) Commission File Number 0-21923 Illinois 36-3873352 - -------------------------------- ------------------------------------ (State or other Jurisdiction of (I.R.S. Employer Identification No.) Incorporation) 727 North Bank Lane Lake Forest, Illinois 60045 ------------------------------------------------------- (Address of Principal Executive Offices) (847) 615-4096 --------------------------------------------------------------------- (Registrant's Telephone Number, Including Area Code) ITEM 5. OTHER EVENTS. On October 19, 1999, Wintrust Financial Corporation ("Company") announced earnings for the third quarter ended September 30, 1999. The Company's press release related to this announcement is attached hereto as an Exhibit. ITEM 7. FINANCIAL STATEMENTS AND EXHIBITS. (c) Exhibit Exhibit 99 - Press Release dated October 19, 1999. - 2 - SIGNATURES Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized. WINTRUST FINANCIAL CORPORATION (Registrant) Date: October 28, 1999 /s/ David A. Dykstra -------------------- Executive Vice President & Chief Financial Officer - 3 -