1015328--3/31/2006--WINTRUST_FINANCIAL_CORP

related topics
{loss, insurance, financial}
{acquisition, growth, future}
{condition, economic, financial}
{regulation, change, law}
{competitive, industry, competition}
The financial services industry is very competitive. Wintrust may be adversely affected by interest rate changes. Wintrust is subject to lending risk. Wintrust s allowance for loan losses may prove to be insufficient to absorb losses that may occur in its loan portfolio. De novo operations and branch openings impact Wintrust s profitability. Wintrust s premium finance business involves unique operational risks and could expose it to significant losses. Wintrust may not be able to obtain liquidity and income from the sale of premium finance receivables in the future. Wintrust historically has engaged in a large number of acquisitions. Wintrust may not be able to continue to implement such an acquisition strategy in the future and there are risks associated with such acquisitions. Wintrust is subject to extensive government regulation and supervision. Wintrust s profitability depends significantly on economic conditions in the state of Illinois. Wintrust relies on dividends from its subsidiaries for most of its revenue. Consumers may decide not to use banks to complete their financial transactions.

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