Call reports 2007
WINTRUST BANK, NATIONAL ASSOCIATION — 2007
What WINTRUST BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 961,673,000 | 947,444,000 | 932,132,000 | 942,517,000 |
| Total loans | 648,960,000 | 676,389,000 | 656,310,000 | 633,781,000 |
| Allowance for loan losses | 4,190,000 | 4,268,000 | 4,353,000 | 4,532,000 |
| Securities available for sale | 184,474,000 | 170,303,000 | 170,459,000 | 121,871,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 1,747,000 | 919,000 | 1,350,000 | 1,571,000 |
| Total deposits | 803,088,000 | 764,781,000 | 758,864,000 | 761,203,000 |
| Interest-bearing deposits | 741,263,000 | 700,267,000 | 697,387,000 | 691,457,000 |
| Noninterest-bearing deposits | 61,825,000 | 64,514,000 | 61,477,000 | 69,746,000 |
| Equity capital | 81,501,000 | 79,820,000 | 82,361,000 | 85,401,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 15,071,000 | 30,101,000 | 44,996,000 | 59,034,000 |
| Interest expense | 8,808,000 | 17,704,000 | 25,841,000 | 33,878,000 |
| Net interest income | 6,263,000 | 12,397,000 | 19,155,000 | 25,156,000 |
| Noninterest income | 7,428,000 | 15,518,000 | 22,658,000 | 31,229,000 |
| Noninterest expense | 11,307,000 | 22,812,000 | 34,045,000 | 45,443,000 |
| Provision for loan losses | 0 | 65,000 | 202,000 | 806,000 |
| Pretax income | 2,384,000 | 5,043,000 | 7,571,000 | 10,196,000 |
| Income tax | 771,000 | 1,559,000 | 2,396,000 | 3,207,000 |
| Net income | 1,613,000 | 3,484,000 | 5,175,000 | 6,989,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 75,561,000 | 77,046,000 | 77,188,000 | 78,321,000 |
| Total capital | 79,775,000 | 81,338,000 | 81,565,000 | 82,878,000 |
| Risk-weighted assets | 739,826,000 | 751,979,000 | 746,810,000 | 751,494,000 |
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