Earnings of Wintrust Financial Corporation (WTFC) are likely to plunge this year due to the Fed funds rate cut and high sensitivity of the company's net interest margin to interest rates. Moreover, the COVID-19 pandemic and adoption of a new accounting standard for credit losses are likely to drive up provisions charge this year, which will further drag earnings. However, organic loan growth will likely offset some of the pressure on the bottom-line. Moreover, I'm expecting non-interest expenses to remain subdued because of the integration of the two banks acquired late last year,