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Income Statement
Balance Sheet
Cash Flow Statement
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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 itemsDec-31-22Dec-31-21Dec-31-20Dec-31-19Dec-31-18Dec-31-17Dec-31-16Dec-31-15
   8-K10-K10-K10-K10-K10-K10-K10-K
Interest income          
Interest and fees on loans  1,507.71,133.51,157.21,228.51,044.5856.5726.0651.8
Interest-bearing deposits with banks   6.68.629.817.19.34.21.5
Federal funds sold and securities purchased under resale agreements   0.20.10.70.00.00.00.0
Investment securities  160.695.399.6108.087.4   
Federal Home Loan Bank and Federal Reserve Bank stock  8.67.16.95.45.3  3.2
Brokerage customer receivables  0.90.60.50.70.7  0.8
    Total interest income  1,747.41,275.51,293.01,385.11,170.8946.5812.5718.5
   
Interest expense          
Interest on deposits  175.288.1189.2278.9166.683.358.448.9
Interest on Federal Home Loan Bank advances   19.618.29.912.48.810.99.1
Interest on subordinated notes   22.022.015.67.17.17.17.1
Interest on junior subordinated debentures   22.022.015.67.17.17.17.1
    Total interest expense  252.1150.5253.1330.2205.9114.490.376.9
    Net interest income  1,495.41,125.01,039.91,054.9964.9832.1722.2641.5
Provision for credit losses   -59.3214.253.934.829.834.132.9
    Net interest income after provision for credit losses  1,416.81,184.2825.71,001.1930.1802.3688.1608.6
   
Non-interest income          
Revenue from contracts with customers          
Mortgage banking   273.0346.0154.3137.0113.5128.7115.0
Fees from covered call options  14.13.72.33.73.54.411.515.4
Trading gains, net   0.2-1.0-0.20.0  -0.2
Operating lease income, net  55.553.747.647.038.5   
Other   78.465.962.652.756.553.837.6
    Total non-interest income  461.1586.1604.2407.2356.2319.5325.4271.6
   
Non-interest expense          
Salaries and employee benefits   691.7626.1546.4480.1430.1405.2382.1
Software and equipment   87.568.552.342.938.437.132.9
Occupancy, net   74.270.064.357.852.950.948.9
Data processing   27.330.227.835.031.528.826.9
Advertising and marketing  59.447.336.348.641.130.824.821.9
Professional fees   29.527.427.532.327.820.418.2
Amortization of other acquisition-related intangible assets  6.17.711.011.84.64.44.84.6
FDIC insurance   27.025.09.217.216.216.112.4
Other   101.1108.6100.879.672.075.374.2
    Total non-interest expense  1,177.31,132.51,040.1928.1826.1731.8681.7628.4
Income tax expense  190.9171.696.8124.4117.0132.3125.095.0
    Net income  509.7466.2293.0355.7343.2257.7206.9156.7
Preferred stock dividends   55.921.48.28.29.814.510.9
    Net income applicable to common shares  481.7438.2271.6347.5335.0247.9192.4145.9
   
Net income per common share-Basic (usd per share)  $8.14$7.69$4.72$6.11$5.95$4.53$3.83$3.05
Net income per common share-Diluted (usd per share)  $8.02$7.58$4.68$6.03$5.86$4.40$3.66$2.93
   
Cash dividends declared per common share (usd per share)  $1,360.00$1.24$1.12$1.00$0.76$0.56$0.48$0.44
   
Weighted average common shares outstanding (in shares)  59.257.057.556.956.354.750.347.8
Dilutive potential common shares (in shares)   0.80.50.80.92.04.04.1
    Average common shares and dilutive common shares (in shares)  59.257.858.057.657.256.754.351.9

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