Wintrust Financial Corp was incorporated in the year 1992. The Company is a financial holding company engaged in the business of providing community-oriented, personal and commercial banking and wealth management services to customers located in the Chicago metropolitan area and in southeastern Wisconsin, through its fifteen wholly owned banking subsidiaries, as well as the origination and purchase of residential mortgages for sale into the secondary market through Wintrust Mortgage, a division of Barrington Bank and Trust Company, N.A. "Barrington Bank". The Company provides specialty finance services, including financing for the payment of commercial insurance premiums and life insurance premiums on a national basis through its wholly owned subsidiary, First Insurance Funding Corporation "FIFC", and short-term accounts receivable financing and outsourced administrative services through its wholly owned subsidiary, Tricom, Inc. of Milwaukee. It also provides wealth management services mainly to customers in its Market Area through three separate subsidiaries, including The Chicago Trust Company, N.A. "CTC", Wayne Hummer Investments, LLC "WHI" and Great Lakes Advisors, LLC. The Company faces competition in attracting and retaining deposits, making loans, and providing other financial services "including wealth management services" throughout its market area. Its competitors include national, regional and other community banks, and a wide range of other financial institutions such as credit unions, government-sponsored enterprises, mutual fund companies, insurance companies, factoring companies and other non-bank financial companies. The Company continues to be subject to supervision and regulation by the Federal Reserve under the BHC Act.