Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (5.0 on a scale of 0 to 10). A current level of 3.6 percent of nonperforming loans to core capital combined with 3.2 percent from a year earlier contributes to the Good asset quality (6.3).
Other Rating Factors:
Excellent current capitalization (8.3 on a scale of 0 to 10) based on a risk-based capital ratio of 12.5 and a capital leverage ratio of 10.0. Operating profits as a percentage of assets at 1.8%, coupled with a return on assets of 1.3 has resulted in Excellent (7.1) profitability.
Asset Mix:
Comm loans (37%), comm re (13%), securities (11%), consumer loans (6%), home mtgs (6%), cash (2%), home eq lns (1%), other (23%)
States with Branches:
IL
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Wintrust Financial Corporation
Investment Rating
Address
10258 South Western Avenue
Chicago, IL 60643
Chicago, IL 60643
Phone Number
(773) 239-2265
Year Founded
2004
FDIC Number
Website
Largest Affiliates
Chicago, IL
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Bank
Lake Forest, IL
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Bank
Hinsdale, IL
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Bank
Northbrook, IL
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Bank
Barrington, IL
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Bank