Wintrust Financial Corporation · NASDAQ:WTFC

Wintrust Financial — Q3 2013 Earnings Presentation

5 slides from Wintrust Financial's earnings presentation, Oct 15, 2013

  1. Slide 1: Net Income

    310 300 290 Net Income 4Q 2012 1Q 2013, 2Q 2013 3Q 2013

  2. Slide 2: Net Interest Margin, on a fully taxable-equivalent basis

    3.60 345 Net Interest Margin, on a fully taxable-equivalent basis 2012 4Q 2012 1Q 2013, 2Q 2013 3Q 2013

  3. Slide 3: Period End Total Loans, excluding Covered Loans, Mortgage Loans Held-For-Sale and Mortgage Warehouse Loans

    Period End Total Loans, excluding Covered Loans, Mortgage Loans Held-For-Sale and Mortgage Warehouse Loans 13.0 12.5 12.0 $ in Billions 11.5 11.0 3Q 2012 4Q 2012 1Q 2013 2Q 2013 3Q 2013

  4. Slide 4: Average Non-Interest Bearing Deposits and Average CDs as a percent of Total Average Deposits

    Average Non-Interest Bearing Deposits and Average CDs as a percent of Total Average Deposits - Indexed Trend from Q3 2012 120.0 115.0 110.0 105.0 100.0 95.0 90.0 85.0 80.0 75.0 x 3Q 2012 4Q 2012 1Q 2013 2Q 2013 3Q 2013 —— Average Non-Interest Bearing Deposit Trend —@— Average CD Trend

  5. Slide 5: Key operating measures and growth rates for the third quarter of 2013

    Wintrust’s key operating measures and growth rates for the third quarter of 2013, as compared to the sequential and linked quarters are shown in the table below: % or (5) basis point (bp) change from 2nd Quarter % or basis point (bp) change from 3rd Quarter Three Months Ended (Dollars in thousands)

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