Call reports 2008
WINTRUST BANK, NATIONAL ASSOCIATION — 2008
What WINTRUST BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 981,075,000 | 977,678,000 | 930,540,000 | 1,064,979,000 |
| Total loans | 646,732,000 | 669,824,000 | 658,509,000 | 683,864,000 |
| Allowance for loan losses | 5,314,000 | 5,394,000 | 8,657,000 | 7,565,000 |
| Securities available for sale | 132,761,000 | 185,269,000 | 148,219,000 | 81,539,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 1,185,000 | 1,877,000 | 2,243,000 | 4,399,000 |
| Total deposits | 757,170,000 | 759,610,000 | 749,135,000 | 854,677,000 |
| Interest-bearing deposits | 694,882,000 | 690,163,000 | 679,930,000 | 771,151,000 |
| Noninterest-bearing deposits | 62,288,000 | 69,447,000 | 69,205,000 | 83,526,000 |
| Equity capital | 81,525,000 | 79,403,000 | 78,962,000 | 81,406,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 12,332,000 | 23,379,000 | 34,320,000 | 45,047,000 |
| Interest expense | 7,157,000 | 13,566,000 | 19,886,000 | 25,996,000 |
| Net interest income | 5,175,000 | 9,813,000 | 14,434,000 | 19,051,000 |
| Noninterest income | 8,525,000 | 17,918,000 | 25,003,000 | 32,093,000 |
| Noninterest expense | 11,255,000 | 22,676,000 | 33,615,000 | 43,937,000 |
| Provision for loan losses | 1,469,000 | 3,732,000 | 8,911,000 | 8,911,000 |
| Pretax income | 894,000 | 1,242,000 | -2,670,000 | -1,456,000 |
| Income tax | 297,000 | 280,000 | -1,229,000 | -497,000 |
| Net income | 597,000 | 962,000 | -1,441,000 | -959,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 73,599,000 | 74,197,000 | 71,967,000 | 72,585,000 |
| Total capital | 78,938,000 | 79,617,000 | 81,650,000 | 85,204,000 |
| Risk-weighted assets | 750,004,000 | 787,702,000 | 776,547,000 | 803,185,000 |