Wintrust Financial Corporation · NASDAQ:WTFC
Wintrust Financial — Q4 2018 Earnings Presentation
8 slides from Wintrust Financial's earnings presentation, Jan 23, 2019
Slide 1: Pre-Tax Income: Q4 2018 compared to Q3 2018
Pre-Tax Income: Q4 2018 compared to Q3 2018 140,000 120,000 115,000 110,000 om Mi 400707902 105,000 (3.656) —_ =— 739) 100,000 a ro 95,000 Qs208 Ne BOLI Loweson FX Onier S008 Interest Income Invement Rema Income Sects, et urement
Slide 2: Net Income - 5 Year
Net Income - 5 Year CAGR of 20% 340 us 290 265 | 240 215 190 165 140 2014 2015 2016 2017 2018
Slide 3: Total Assets - 5 Year
Total Assets - 5 Year CAGR of 12% 31.0 290 3 2710 4 250 23.0 210 19.0 : ¥ 2014 2015 2016
Slide 4: Loans, excl Covered Loans and Loans Held-For-Sale
Total Loans, excl Covered Loans and Loans Held-For-Sale - 5 Year CAGR of 13% 2014 2015 2016 2017 2018
Slide 5: Deposits - 5 Year
Total Deposits - 5 Year CAGR of 12% 2014 2015 2016
Slide 6: Non-Performing Assets as a percent of Total Assets, excluding Covered Assets
Non-Performing Assets as a percent of Total Assets, excluding Covered Assets - 5 Year 2014 2015 2016 2017 2018
Slide 7: Key operating measures and growth rates for the fourth quarter of 2018
Wintrust’s key operating measures and growth rates for the fourth quarter of 2018 , as compared to the sequential and linked quarters, are shown in the table below: % or (4) basis point (bp) change from 3rd Quarter % or basis point (bp) change from 4th Quarter Three Months Ended (Dollars in thousand
Slide 8: Variable rate loans, LIBOR and non-interest income
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 when the Federal Reserve raises interest rates. Specifically, the Company has $8.1 bil