EX-12.1 2 exhibit121fixedcharges.htm COMPUTATION OF RATIO OF EARNINGS TO FIXED CHARGES EXHIBIT121FixedCharges


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,
 
 
2012
2011
2010
2009
2008
Income before income taxes
A
$
180,132

$
128,033

$
100,807

$
117,504

$
30,641

 
 
 
 
 
 
 
Interest expense:
 
 
 
 
 
 
Interest on deposits
 
$
68,305

$
87,938

$
123,779

$
171,259

$
219,437

Interest on other borrowings
C
39,200

56,478

53,492

44,479

50,719

 
 
 
 
 
 
 
Total interest expense
B
$
107,505

$
144,416

$
177,271

$
215,738

$
270,156

 
 
 
 
 
 
 
Ratio of earnings to fixed charges:
 
 
 
 
 
 
Including deposit interest
(A+B) / B
2.68x

1.89x

1.57x

1.54x

1.11x

Excluding deposit interest
(A+C) / C
5.60x

3.27x

2.88x

3.64x

1.60x