Wintrust Financial Corporation · NASDAQ:WTFC
Wintrust Financial — Q3 2018 Earnings Presentation
8 slides from Wintrust Financial's earnings presentation, Oct 17, 2018
Slide 1: Pre-Tax Income: Q3 2018 compared to Q2 2018
in Thousands Pre-Tax Income: Q3 2018 compared to Q2 2018 140,000 135,000 9,393 - = 130,000 = 120,000 6430) 115,000 110,000 10,000 100,000 95,000 22018 New Mortgage Provision Salaries & Profesional Other Imerest Banking forCredit'_ Employee Fees, Income event —Losses——‘Benefits. 2018
Slide 2: 3.2017 42017 Qi 2018 Q22018 Q3 2018
3.2017 42017 Qi 2018 Q22018 Q3 2018
Slide 3: Total Loans, excluding Covered Loans - 5 Quarter
Sin Bil 236 26 206 Total Loans, excluding Covered Loans - 5 Quarter 3.2017 42017 Qi 2018 Q22018 Q3 2018
Slide 4: Total Deposits
Total Deposits - 5 Quarter 249 246 243 240 237 Ba 2.1 ne 4 3.2017 42017 Qi 2018 Q22018 Q3 2018
Slide 5: Mortgage Loans Originated or Purchased to be Sold
$ in Thousands Mortgage Loans Originated or Purchased to be Sold - 5 Quarter 1,200,000 1,100,000 1,000,000 900,000 800,000 700,000 Q3 2017 42017 Qi 2018 Q32018
Slide 6: Non-Performing Loans as a percent of Total Loans, excluding covered loans
Non-Performing Loans as a percent of Total Loans, excluding covered loans - 5 Quarter Q32017 42017 Qi 2018 Q22018 Q3 2018
Slide 7: Key operating measures and growth rates for the third quarter of 2018
Wintrust’s key operating measures and growth rates for the third quarter of 2018 , 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: LIBOR-tied variable rate loans 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 $7.8 bil