Slide 1: Total Assets
Sin 000s 20,000,000 18,000,000 16,000,000 14,000,000 12,000,000 10,000,000 Total Assets 12/31/08 12/31/09 1231/10 12/31/11 12/31/12 12/31/13
Slide 2: Total Loans, excluding covered loans and loans held-for-sale
$ in 000s Total Loans, excluding covered loans and loans held-for-sale 13,000,000 12,000,000 11,000,000 10,000,000 9,000,000 8,000,000 7,000,000 12/31/08 12/31/09 12/31/10 12/31/11 12/31/12 12/31/13
Slide 3: Total Deposits
15,000,000 13,000,000 11,000,000 9,000,000 7,000,000 Total Deposits 12/31/08 12/31/09 1231/10 12/31/11 12/31/12 12/31/13
Slide 4: Five year trends in net income and pre-tax adjusted earnings
The graphs below depict the Company's five year trends in net income and pre-tax adjusted earnings. See “Supplemental Financial Measures/Ratios” for additional information on pre-tax adjusted earnings.
Slide 5: Net Income
140,000 120,000 100,000 80,000 60,000 40,000 20,000 Sin 000s Net Income 12/31/08 12/31/09 12/31/10 1231/11
Slide 6: Improvement in credit quality metrics in fourth quarter of 2013
The below graphs illustrate improvement in credit quality metrics in the fourth quarter of 2013:
Slide 7: Non-Performing Loans
Sin 000s 130,000 125,000 120,000 113,000 110,000 100,000 Non-Performing Loans 42012 Qi 2013 Q2 2013 3.2013 Q4 2013
Slide 8: Non-Performing Loans as a percent of Total Loans
Non-Performing Loans as a percent of Total Loans, excluding covered loans Lis 110 Los 100 09s 0.90 08s 030 075 42012 12013 22013 3 2013 Q42013
Slide 9: Allowance for Loan Losses as a percent of Total Non-Performing Loans
Allowance for Loan Losses as a percent of Total Non-Performing Loans 84 T T T T 42012 12013 22013 932013 42013
Slide 10: Period end and average loan balances for the most recent five quarters
The following graph shows period end and average loan balances for the most recent five quarters. The Company experienced strong loan growth near the end of the current quarter, as evidenced by a lag in average loan growth as compared to period end loan growth in the fourth quarter of 2013.
Slide 11: Key operating measures and growth rates for the fourth quarter of 2013
Wintrust’s key operating measures and growth rates for the fourth quarter of 2013 , as compared to the sequential and linked quarters are shown in the table below: % or (5) basis point (bp) change from 3rd Quarter 2013 % or basis point (bp) change from 4th Quarter 2012 Three Months Ended (Dollars in