WINTRUST FINANCIAL CORPORATION

WINTRUST FINANCIAL CORPORATION

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Company Overview
Wintrust Financial Corporation is a financial holding company for a group that offers community banking, wealth management and specialty finance and mortgage origination services. The company has its registered office located in Lake Forest, United States of America.
The company operates 15 community banks located in the greater Chicago and southern Wisconsin areas with 73 banking facilities. These banks offers community-oriented, personal and commercial banking services in the suburbs of Chicago, Illinois and Southeastern Wisconsin. Its banking subsidiaries engages in specialty lending including commercial insurance premium finance, accounts receivable financing and administrative services to temporary staffing industry, condominium association lending, and aircraft lending and indirect auto lending. It also has wealth management companies that offers trust, asset management, brokerage services and purchase residential mortgage loans.
Beverly Bank & Trust Company, National Association, one of the company’s subsidiaries is engaged in the operation of national commercial banks.
The company is a publicly quoted company whose shares are traded on the NASDAQ National Market under the ticker symbol .
Business Summary
Bank Holding & Holding Company
Description and history
Wintrust Financial Corporation, an Illinois corporation which was incorporated in 1992, is a financial holding company based in Lake Forest, Illinois, with total assets of approximately $8.2 billion at December 31, 2005. The Company engages in the business of providing traditional community banking services, wealth management services, commercial insurance premium financing, short-term accounts receivable financing, and certain administrative services, such as data processing of payrolls, billing and cash management services.

The Company provides community-oriented, personal and commercial banking services to customers located in the greater Chicago, Illinois and southern Wisconsin metropolitan areas through its thirteen wholly-owned banking subsidiaries.

The Company provides a full range of wealth management services through four separate subsidiaries, including Wayne Hummer Trust Company, N.A. (‘WHTC’), Wayne Hummer Investments, LLC (‘WHI’), a broker-dealer and subsidiary of North Shore Bank, Wayne Hummer Asset Management Company (‘WHAMC’), a registered investment adviser, and Focused Investments, LLC (‘Focused’), a broker-dealer and subsidiary of WHI. The Company acquired WHI, Focused and WHAMC in February 2002 and these companies are referred to collectively as the Wayne Hummer Companies.
The Company provides financing for the payment of commercial insurance premiums (‘premium finance receivables’), on a national basis, through First Insurance Funding Corporation (‘FIFC’), a wholly-owned subsidiary of Crabtree Capital Corporation (‘Crabtree’) which is a wholly-owned subsidiary of Lake Forest Bank. In addition, the Company provides short-term accounts receivable financing (‘Tricom finance receivables’) and out-sourced administrative services, such as data processing of payrolls, billing and cash management services, to clients in the temporary staffing industry located throughout the United States, through Tricom, Inc. of Milwaukee (‘Tricom’), a wholly-owned subsidiary of Hinsdale Bank.

Community Banking
The Company provides banking and financial services primarily to individuals, small to mid-sized businesses, local governmental units and institutional clients residing primarily in the Banks local service areas. These services include traditional deposit products such as demand, NOW, money market, savings and time deposit accounts, as well as a number of unique deposit products targeted to specific market segments. The Banks also offer home equity, home mortgage, consumer, real estate and commercial loans, safe deposit facilities, ATMs, internet banking and other innovative and traditional services specially tailored to meet the needs of customers in their market areas.

Wealth Management Activities
The Company currently offers a full range of wealth management services through four separate subsidiaries, including trust and investment services, asset management and securities brokerage services marketed primarily under the Wayne Hummer name. Wintrust acquired the Wayne Hummer Companies, headquartered in Chicago, in February 2002. To further expand the Company s wealth management business, in February 2003, the Company acquired Lake Forest Capital Management Company, a registered investment advisor with approximately $300 million of assets under management upon acquisition. Lake Forest Capital was merged into WHAMC. Through WHTC, the Company offers trust and investment management services to clients via offices located in downtown Chicago and at the following bank locations; Barrington Bank, Beverly Bank, Hinsdale Bank, Lake Forest Bank, Northbrook Bank, North Shore Bank and State Bank of The Lakes. Assets under administration and/or management by WHTC as of December 31, 2005 were approximately $659 million. WHTC is subject to regulation, supervision and regular examination by the OCC.

Specialty Lending
The Company conducts its specialty lending business through indirect non-bank subsidiaries and divisions of its Banks.

The Company’s operations consist of four primary segments: banking, premium finance, Tricom and wealth management. Through its thirteen bank subsidiaries located in suburban Chicago and Southern Wisconsin communities, the Company provides traditional community banking products and services to individuals and businesses such as accepting deposits, advancing loans, administering ATMs, maintaining safe deposit boxes, and providing other related services. The Premium Finance operations consist of financing the payment of commercial insurance premiums, on a national basis, through FIFC. Significant portions of the loans originated by FIFC are sold to the Banks and are retained in each of their loan portfolios. The Tricom segment encompasses the operations of the Company s non-bank subsidiary that provides short-term accounts receivable financing and value-added out-sourced administrative services, such as data processing of payrolls, billing and cash management services, to temporary staffing service clients throughout the United States. The Wealth Management segment includes WHTC, WHAMCO, WHI and Focused. WHTC offers trust services to existing customers of the Banks and targets affluent individuals and small to mid-size businesses whose needs command personalized attention by experienced trust and asset management professionals. WHI, a broker/dealer, provides a full-range of investment products and services tailored to meet the specific needs of individual investors, primarily in the Midwest. WHAMCO is a registered investment advisor and the investment advisory affiliate of WHI. Focused, a broker/dealer, provides a full range of investment services to clients through a network of community-based financial institutions primarily in Illinois.

The Company completed two business combinations in 2005:

In January 2005, Wintrust completed (effective date January 1, 2005) its acquisition of Antioch Holding Company and its wholly-owned subsidiary, State Bank of The Lakes. The acquisition continues the Company’s community banking expansion plans into the northwest suburbs of Chicago. Antioch was acquired for $95.4 million of cash.

On March 31, 2005, Wintrust completed the acquisition of First Northwest Bancorp, Inc. (‘First Northwest’) and its wholly-owned subsidiary, First Northwest Bank. This acquisition augmented the Company’s community banking presence in the same community that is served by the Company’s Village Bank. In May 2005, First Northwest Bank was merged into Village Bank. First Northwest was acquired through the issuance of 595,123 shares of common stock (then valued at $30.0 million), $14.4 million in cash and $238,000 for the value of vested stock options for a total purchase price of $44.7 million.

The Company’s Common Stock is traded on The Nasdaq Stock Market under the symbol WTFC. The stock abbreviation appears as WintrstFnl in the Wall Street Journal.

The Company maintains a financial relations internet website at the following location: www.wintrust.com.

In 2006, the company completed an acquisition of Hinsbrook Bancshares, the parent company of Hinsbrook Bank & Trust.

Business Line
A financial services holding company for a group that offers community banking, wealth management, specialty finance and mortgage origination services
Subsidiary
ADVANCED INVESTMENT PARTNERS, LLC
Advisor

IPO date
4/16/1998
US SIC Code
6712
Company Address
727 N. Bank Ln.

City province or state postal code
60045-1951, LAKE FOREST, IL
Phone: 1 (847) 615 40 96
Fax: 1 (847) 615 40 76
Country address: UNITED STATES OF AMERICA
Website url: www.wintrust.com