Company: WTFCN
Filing Date: 2025-11-06
Form Type: 10-Q
Source: 0001015328-25-000207
Chunk: 148

Company: WINTRUST FINANCIAL CORP
Filing Date: 2025-11-06
Form: 10-Q
Item: Item 2
Chunk 148
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(bp) ChangeNet income$600,820 $509,683 18   %Pre-tax income, excluding provision for credit losses (non-GAAP) (1)884,149 778,076 14 Net income per common share—Diluted8.25 7.67 7 Net revenue (2)2,011,728 1,812,261 11 Net interest income1,640,178 1,437,387 14 Net interest margin 3.51 %3.52 %(1)bpsNet interest margin - fully taxable-equivalent (non-GAAP) (1)3.53 3.54 (1)Net overhead ratio (3)1.53 1.52 1 Return on average assets1.22 1.17 5 Return on average common equity11.94 12.52 (58)Return on average tangible common equity (non-GAAP) (1)14.28 14.69 (41)At end of periodTotal assets$69,629,638 $63,788,424 9 %Total loans, excluding loans held-for-sale52,063,482 47,067,447 11 Total loans, including loans held-for-sale52,397,365 47,528,514 10 Total deposits56,711,381 51,404,966 10 Total shareholders’ equity7,045,757 6,399,714 10 Book value per common share (1)98.87 90.06 10 Tangible common book value per share (1)85.39 76.15 12 Market price per common share132.44 108.53 22 Allowance for loan and unfunded lending-related commitment losses to total loans0.87 %0.93 %(6) bps

(1)See following section titled “Supplemental Non-GAAP Financial Measures/Ratios” for additional information on this performance measure/ratio.

(2)Net revenue is net interest income plus non-interest income.

(3)The net overhead ratio is calculated by netting total non-interest expense and total non-interest income, annualizing this amount, and dividing by that period’s total average assets. A lower ratio indicates a higher degree of efficiency.

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Certain returns, yields, performance ratios, and quarterly growth rates are “annualized