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Income Statement
Balance Sheet
Cash Flow Statement
Segments

Common Size IS
Op Efficiency
Credit Analysis

WINTRUST FINANCIAL CORP (WTFC)

Income Statement

Standardized | As Reported Annual | Quarterly | TTM
  Older >>
In millions, except per share itemsJun-30-23Mar-31-23Dec-31-22Sep-30-22Jun-30-22Mar-31-22Dec-31-21Sep-30-21
   10-Q10-Q8-K10-Q10-Q10-Q10-K10-Q
Interest income          
Interest and fees on loans  621.1558.7498.8402.7320.5285.7289.1285.6
Interest-bearing deposits with banks  16.913.5 15.65.81.72.32.0
Federal funds sold and securities purchased under resale agreements  0.00.1 1.81.40.4  
Investment securities  51.259.953.138.636.532.427.225.2
Federal Home Loan Bank and Federal Reserve Bank stock  3.53.72.92.11.81.81.81.8
Brokerage customer receivables  0.30.30.30.30.20.20.20.2
    Total interest income  697.2639.7580.7466.5372.0328.3328.0322.5
   
Interest expense          
Interest on deposits  213.5144.895.445.919.014.916.619.3
Interest on Federal Home Loan Bank advances  17.419.1 6.84.94.84.94.9
Interest on subordinated notes  5.55.5 5.55.55.55.55.5
Interest on junior subordinated debentures  5.55.5 5.55.55.55.55.5
    Total interest expense  249.6181.7123.965.034.229.032.035.0
    Net interest income  447.5458.0456.8401.4337.8299.3296.0287.5
Provision for credit losses  28.523.0 6.420.44.19.3-7.9
    Net interest income after provision for credit losses  419.0435.0409.2395.0317.4295.2286.7295.4
   
Non-interest income          
Revenue from contracts with customers          
Mortgage banking  30.018.3 27.233.377.253.155.8
Gains (losses) on investment securities, net   1.4-6.7 -7.8-2.8  
Fees from covered call options  2.610.48.01.41.13.71.11.2
Trading gains, net  0.10.8 0.00.23.90.20.1
Operating lease income, net  12.213.012.412.615.015.514.212.8
Other  20.721.0 15.913.918.618.923.4
    Total non-interest income  113.0107.893.8101.5102.9162.8133.8136.5
   
Non-interest expense          
Salaries and employee benefits  184.9176.8 176.1167.3172.4167.1170.9
Software and equipment  26.224.7 24.124.322.823.722.0
Occupancy, net  19.218.5 17.717.717.818.318.2
Data processing  9.79.4 7.88.07.57.27.1
Advertising and marketing  17.811.914.316.616.611.914.013.4
Professional fees  8.98.2 7.57.98.47.67.1
Amortization of other acquisition-related intangible assets  1.51.21.41.51.61.61.81.9
FDIC insurance  9.08.7 7.26.97.77.36.8
Other  33.430.2 28.329.325.526.826.3
    Total non-interest expense  320.6299.2307.8296.5288.7284.3283.4282.1
Income tax expense  56.763.450.457.137.146.338.340.6
    Net income  154.8180.2144.8143.094.5127.498.8109.1
Preferred stock dividends  7.07.0 7.07.07.035.07.0
    Net income applicable to common shares  147.8173.2137.8136.087.5120.491.8102.1
   
Net income per common share-Basic (usd per share)  $2.41$2.84$2.27$2.24$1.51$2.11$1.61$1.79
Net income per common share-Diluted (usd per share)  $2.38$2.80$2.23$2.21$1.49$2.07$1.58$1.77
   
Cash dividends declared per common share (usd per share)  $0.40$0.40$340.00$0.34$0.34$0.34$0.31$0.31
   
Weighted average common shares outstanding (in shares)  61.261.060.860.758.157.257.057.0
Dilutive potential common shares (in shares)  0.90.9 0.80.80.90.10.8
    Average common shares and dilutive common shares (in shares)  62.161.860.861.658.858.157.857.8

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