Call reports 2004
WINTRUST BANK, NATIONAL ASSOCIATION — 2004
What WINTRUST BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 870,012,000 | 869,169,000 | 889,755,000 | 938,418,000 |
| Total loans | 613,809,000 | 635,621,000 | 629,587,000 | 634,240,000 |
| Allowance for loan losses | 4,410,000 | 4,519,000 | 4,653,000 | 4,408,000 |
| Securities available for sale | 105,308,000 | 123,706,000 | 102,974,000 | 159,088,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 4,629,000 | 2,993,000 | 3,586,000 | 3,599,000 |
| Total deposits | 698,956,000 | 691,687,000 | 723,651,000 | 752,377,000 |
| Interest-bearing deposits | 626,645,000 | 617,973,000 | 651,063,000 | 682,398,000 |
| Noninterest-bearing deposits | 72,311,000 | 73,714,000 | 72,588,000 | 69,979,000 |
| Equity capital | 77,551,000 | 76,197,000 | 79,699,000 | 80,652,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 9,009,000 | 17,962,000 | 27,479,000 | 37,336,000 |
| Interest expense | 3,985,000 | 8,032,000 | 12,406,000 | 16,978,000 |
| Net interest income | 5,024,000 | 9,930,000 | 15,073,000 | 20,358,000 |
| Noninterest income | 8,907,000 | 17,364,000 | 24,784,000 | 33,028,000 |
| Noninterest expense | 11,221,000 | 22,469,000 | 32,790,000 | 44,185,000 |
| Provision for loan losses | 275,000 | 713,000 | 957,000 | 1,190,000 |
| Pretax income | 2,506,000 | 4,183,000 | 6,402,000 | 8,400,000 |
| Income tax | 825,000 | 1,296,000 | 2,014,000 | 2,658,000 |
| Net income | 1,681,000 | 2,887,000 | 4,388,000 | 5,742,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 69,613,000 | 70,819,000 | 72,320,000 | 73,674,000 |
| Total capital | 74,158,000 | 75,424,000 | 76,999,000 | 78,082,000 |
| Risk-weighted assets | 694,586,000 | 704,924,000 | 710,666,000 | 714,828,000 |
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