WINTRUST FINANCIAL CORP - FORM 10-K - EX-12.2 - March 1, 2010

Attached files

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10-K - FORM 10-K - WINTRUST FINANCIAL CORPc55863e10vk.htm
EX-10.09 - EX-10.09 - WINTRUST FINANCIAL CORPc55863exv10w09.htm
EX-12.1 - EX-12.1 - WINTRUST FINANCIAL CORPc55863exv12w1.htm
EX-31.2 - EX-31.2 - WINTRUST FINANCIAL CORPc55863exv31w2.htm
EX-32.1 - EX-32.1 - WINTRUST FINANCIAL CORPc55863exv32w1.htm
EX-13.1 - EX-13.1 - WINTRUST FINANCIAL CORPc55863exv13w1.htm
EX-31.1 - EX-31.1 - WINTRUST FINANCIAL CORPc55863exv31w1.htm
EX-99.1 - EX-99.1 - WINTRUST FINANCIAL CORPc55863exv99w1.htm
EX-99.2 - EX-99.2 - WINTRUST FINANCIAL CORPc55863exv99w2.htm
EX-21.1 - EX-21.1 - WINTRUST FINANCIAL CORPc55863exv21w1.htm
EX-23.1 - EX-23.1 - WINTRUST FINANCIAL CORPc55863exv23w1.htm
Wintrust Financial Corporation
Form 10-K, Exhibit 12.2
Computation of Ratio of Earnings to Fixed Charges and Preferred Stock Dividends
The following table presents the calculation of the ratio of earnings to fixed charges and preferred stock dividends for the last five years.
(dollars in thousands)
                                             
        Years ended December 31,  
        2009     2008     2007     2006     2005  
         
Income before income taxes
   A   $ 117,504     $ 30,641     $ 83,824     $ 104,241     $ 104,950  
         
 
                                            
Interest expense:
                                            
Interest on deposits
       $ 171,259     $ 219,437     $ 294,914     $ 265,729     $ 156,252  
Interest on other borrowings
   C     44,479       50,719       55,093       43,330       34,025  
         
 
                                            
Total interest expense
   B   $ 215,738     $ 270,156     $ 350,007     $ 309,059     $ 190,277  
         
 
                                            
Dividends on preferred shares (1)
   D   $ 27,009     $ 3,377     $ —     $ —     $ —  
 
                                            
Ratio of earnings to fixed charges and preferred stock dividends:
                                            
Including deposit interest
   (A+B) / (B+D)     1.37 x     1.10 x     1.24 x     1.34 x     1.55 x
Excluding deposit interest
   (A+C) / (C+D)     2.27 x     1.50 x     2.52       3.41 x     4.08 x
 
(1)   The dividends on preferred shares were increased to amounts representing the pretax earnings that would be required to cover such dividend requirements.

 

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