Call reports 2005
WINTRUST BANK, NATIONAL ASSOCIATION — 2005
What WINTRUST BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 933,102,000 | 954,830,000 | 945,561,000 | 948,774,000 |
| Total loans | 639,487,000 | 633,655,000 | 596,690,000 | 616,683,000 |
| Allowance for loan losses | 4,255,000 | 4,298,000 | 4,393,000 | 4,166,000 |
| Securities available for sale | 152,228,000 | 88,450,000 | 189,208,000 | 204,222,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 3,438,000 | 2,815,000 | 2,899,000 | 1,610,000 |
| Total deposits | 748,840,000 | 762,327,000 | 784,793,000 | 798,049,000 |
| Interest-bearing deposits | 675,049,000 | 684,481,000 | 717,165,000 | 727,871,000 |
| Noninterest-bearing deposits | 73,791,000 | 77,846,000 | 67,628,000 | 70,178,000 |
| Equity capital | 80,069,000 | 83,950,000 | 85,232,000 | 76,648,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 10,645,000 | 22,291,000 | 34,242,000 | 47,175,000 |
| Interest expense | 4,781,000 | 10,203,000 | 15,814,000 | 22,114,000 |
| Net interest income | 5,864,000 | 12,088,000 | 18,428,000 | 25,061,000 |
| Noninterest income | 7,875,000 | 15,344,000 | 22,127,000 | 30,197,000 |
| Noninterest expense | 11,663,000 | 22,650,000 | 33,224,000 | 42,912,000 |
| Provision for loan losses | 339,000 | 602,000 | 886,000 | 980,000 |
| Pretax income | 1,737,000 | 4,278,000 | 6,552,000 | 11,471,000 |
| Income tax | 538,000 | 1,380,000 | 2,087,000 | 3,842,000 |
| Net income | 1,199,000 | 2,898,000 | 4,465,000 | 7,629,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 74,873,000 | 76,572,000 | 78,139,000 | 71,004,000 |
| Total capital | 79,128,000 | 80,870,000 | 82,532,000 | 75,176,000 |
| Risk-weighted assets | 730,674,000 | 723,806,000 | 647,077,000 | 664,476,000 |
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