Wintrust Financial Corporation · NASDAQ:WTFC
Wintrust Financial — Q3 2017 Earnings Presentation
8 slides from Wintrust Financial's earnings presentation, Oct 18, 2017
Slide 1: Pre-Tax Income: Q3 2017 compared to Q2 2017
Sin Thousands 125,000 120,000 115,000 110,000 105,000 100,000 95,000 90,000 85,000 '80,000 75,000 Pre-Tax Income: Q3 2017 compared to Q2 2017 11,579 _ ao, 101,946 (3,026) — ©2207 Novem Retimt—Nonase Ot Fair Value Adjustment 104,248 932017
Slide 2: Net Income
Net Income 69 68 3.2016 Q42016 Q12017 22017
Slide 3: Total Loans, excluding Covered Loans and Mortgage Loans Held-For-Sale
Total Loans, excluding Covered Loans and Mortgage Loans Held-For-Sale ad 206 201 a 19.6 19.1 186 3 2016 Q4 2016 Q1 2017 22017
Slide 4: Total Deposits
Total Deposits a 3.2016 42016 Q12017 Q22017
Slide 5: Mortgage Loans Originated or Purchased to be Sold
ds $ in Thous: Mortgage Loans Originated or Purchased to be Sold 300,000 200,000 100,000, (000,000 900,000 800,000 700,000 600,000 032016 Q42016 QI 2017 Q32017
Slide 6: Non-Performing Loans as a percent of Total Loans
Non-Performing Loans as a percent of Total Loans, excluding covered loans 030 ‘ , ¥ ¥ Q3 2016 Q4 2016 QI 2017 22017 Q32017
Slide 7: Key operating measures and growth rates for the third quarter of 2017
Wintrust’s key operating measures and growth rates for the third quarter of 2017 , as compared to the sequential and linked quarters, are shown in the table below: % or (4) basis point (bp)change from 2nd Quarter % or basis point (bp) change from 3rd Quarter Three Months Ended (Dollars in thousands)
Slide 8: 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