Wintrust Financial Corporation · NASDAQ:WTFC
Wintrust Financial — Q4 2017 Earnings Presentation
10 slides from Wintrust Financial's earnings presentation, Jan 22, 2018
Slide 1: Pre-Tax Income: Q4 2017 compared to Q3 2017
125,000 120,000 115,000 110,000 105,000 100,000 Sin Thousands 95,000 90,000 85,000 80,000 17 Pre-Tax Income: Q4 2017 compared to Q3 2017 _ = 1288 _ B44) i74) Net Wealth Incentive Pension Ot Addiional Other Interest Management Comp Obligation Solaris & Consulting Income Adjusiment Benefits Costs 95,7
Slide 2: Net Income - 5 Quarter
Net Income - 5 Quarter 70 66 2 SinM 50 Q42016 QI 2017 22017 Q32017 Q42017
Slide 3: Net Income - 5 Year
Net Income - 5 Year 230 205 SinM 2013, 2014 2015 2016 2017
Slide 4: Total Assets
Sin Billions Total Assets - 5 Year 2013, 2014 2015
Slide 5: Total Loans, excluding Covered Loans and Mortgage Loans Held-For-Sale
Total Loans, excluding Covered Loans and Mortgage Loans Held-For-Sale - 5 Year 2013, 2014 2015 2016 2017
Slide 6: Total Deposits
Total Deposits - 5 Year a 2013, 2014 2015
Slide 7: Mortgage Loans Originated or Purchased to be Sold - Quarter
Mortgage Loans Originated or Purchased to be Sold - 5 Quarter 300,000 200,000 100,000 000,000 900,000 & 800,000 700,000 600,000 Q4 2016 QI 2017 22017 Q32017 42017
Slide 8: Non-Performing Loans as a percent of Total Loans - 5 Quarter
Non-Performing Loans as a percent of Total Loans, excluding covered loans - 5 Quarter Q4 2016 QI 2017 22017 Q32017 Q42017
Slide 9: Key operating measures and growth rates for the fourth quarter of 2017
Wintrust’s key operating measures and growth rates for the fourth quarter of 2017 , as compared to the sequential and linked quarters, are shown in the table below: % or (4) basis point (bp)change from 3nd Quarter % or basis point (bp) change from 4rd Quarter Three Months Ended (Dollars in thousands
Slide 10: Variable rate loans tied to LIBOR and Federal Reserve rate increases
Source: Bloomberg As noted in the table on the previous page, the majority of the Company’s portfolio is tied to LIBOR indices which, as shown in the table above, do not mirror the same increases as the prime rate or the federal funds rate when the Federal Reserve raises interest rates. Specifically