EX-12 6 exh12_1.txt WINTRUST FINANCIAL CORPORATION WINTRUST FINANCIAL CORPORATION FORM 10-K, EXHIBIT 12.1 Computation of Ratio of Earnings to Fixed Charges The following table presents the calculation of the ratio of earnings to fixed charges for the last five years. (dollars in thousands)
==================================================================================================================== Years ended December 31, -------------------------------------------------------------------------------------------------------------------- 2002 2001 2000 1999 1998 --------------------------------------------------------------- Income before income taxes A $ 42,495 $ 29,129 $ 16,448 $ 14,151 $ 4,709 --------------------------------------------------------------- Interest expense: Interest on deposits $ 70,061 $ 83,503 $ 78,670 $ 56,026 $ 49,069 Interest on other borrowings C 14,044 8,938 8,514 5,571 2,146 --------------------------------------------------------------- Total interest expense B $ 84,105 $ 92,441 $ 87,184 $ 61,597 $ 51,215 --------------------------------------------------------------- Ratio of earnings to fixed charges: Including deposit interest (A+B) / B 1.51x 1.32x 1.19x 1.23x 1.09x Excluding deposit interest (A+C) / C 4.03x 4.26x 2.93x 3.54x 3.19x ====================================================================================================================