Company: WTFCN
Filing Date: 2025-08-06
Form Type: 10-Q
Source: 0001015328-25-000188
Chunk: 4

Company: WINTRUST FINANCIAL CORP
Filing Date: 2025-08-06
Form: 10-Q
Item: Item 1
Chunk 4
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,280 FDIC insurance10,971 10,429 21,897 24,966 Other real estate owned expense, net505 (259)1,148 133 Other37,243 33,964 76,064 66,464 Total non-interest expense381,461 340,353 747,551 673,498 Income before taxes267,088 211,343 520,143 461,299 Income tax expense71,561 58,955 135,577 121,617 Net income$195,527 $152,388 $384,566 $339,682 Preferred stock dividends6,991 6,991 13,982 13,982 Net income applicable to common shares$188,536 $145,397 $370,584 $325,700 Net income per common share—Basic$2.82 $2.35 $5.55 $5.28 Net income per common share—Diluted$2.78 $2.32 $5.47 $5.21 Cash dividends declared per common share$0.50 $0.45 $1.00 $0.90 Weighted average common shares outstanding66,931 61,839 66,829 61,660 Dilutive potential common shares888 926 903 901 Average common shares and dilutive common shares67,819 62,765 67,732 62,561 

See accompanying notes to unaudited consolidated financial statements.

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Table of Contents

WINTRUST FINANCIAL CORPORATION AND SUBSIDIARIES

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (UNAUDITED)

Three Months EndedSix Months Ended(In thousands)June 30,2025June 30,2024June 30,2025June 30,2024Net income$195,527 $152,388 $384,566 $339,682 Unrealized gains (losses) on available-for-sale securitiesBefore tax5,365 (20,768)80,191 (98,656)Tax effect(1,395)5,493 (20,850)26,094 Net of tax3,970 (15,275)59,341 (72,562)Reclassification of net (losses) gains