Wintrust Financial Corporation
Proposed Ticker:WTFC 727 North Bank Lane
Exchange:NASDAQ-National Market Lake Forest, Illinois 60045
Industry:Financial (847) 615-4096

All share information is proposed
Type of Shares:Common Shares Filing Date:12/23/96
U.S. Shares Filed:1,200,000 Filing Range:$10.00 - $13.00
Non-U.S. Shares Filed:0 Offering Amount: $13,800,000
Primary Shares:1,200,000 Expenses: -
Secondary Shares:0 Shs Out After:7,803,420

ManagerTierPhone
Everen Securities, Inc.Lead Manager (312) 574-6000

Auditor: KPMG Accountants N.V.
9 Month Ending Financials
Audited
Income
Latest
Unaudited
Income
Prior
Unaudited
Income
Balance
Sheet
12/31/95 9/30/96 9/30/95 9/30/96
Revenue:$34.02$33.25$23.63Assets:$621.26
Net Income:$1.50-$1.52$1.13Liabilities:$549.40
EPS:$0.24-$0.25$0.19Equity:$71.86

Note: Dollar amounts are in U.S. millions; Audited figures expressed as full year,
unaudited figures are partial year

Business Description
The company, and Illinois corporation, is a financial services holding company headquartered in Lake Forest, Illinois. The company engages in community banking and specialty finance through its direct and indirect wholly-owned operating subsidiaries: North Shore Community Bank and Trust Company; Lake Forest Bank an Trust Company; Hinsdale Bank and Trust Company; Libertyville Bank and Trust Company; Barrington Bank and Trust Company, N.A.; and First Premium Services, Inc. Through its banking subsidiaries, Lake Forest Bank, Hinsdale Bank, North Shore Bank, Libertyville Bank, and Barrington Bank, the company provides community oriented, personal and commercial banking services in different affluent suburbs of Chicago, Illinois. Through First Premium, the company is in the business of originating commercial insurance premium finance receivables, a portion of which are purchased by the Banks using the relatively lower-cost funds obtained from the Banks' deposit activities.

Use of Proceeds
The proceeds from the proposed offering will be used to repay debt currently outstanding under the Company's $25 million revolving line of credit, for general corporate purposes including continued growth of the company's banking and finance subsidiaries, for future branch office openings and additional de novo bank formations, and for potential future acquisitions of specialty finance companies or investments in businesses engaged in niche consumer lending or selected commercial finance activities.

Last updated: 12/29/96

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