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

Company: WINTRUST FINANCIAL CORP
Filing Date: 2025-11-06
Form: 10-Q
Item: Item 1
Chunk 10
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 received in business combinations— 531,308 Proceeds from sales of premium financing receivables, net— 627,450 Proceeds from sales of other real estate owned— 11,481 Decrease (increase) in interest-bearing deposits with banks, net994,409 (1,566,241)Increase in loans, net(4,017,366)(4,361,365)Redemption of BOLI— 304 Purchases of premises and equipment, net(26,921)(66,457)Net Cash Used for Investing Activities(4,661,008)(4,227,930)Financing Activities:Increase in deposit accounts, net4,199,032 3,697,621 Increase in other borrowings, net33,753 7,352 Increase in Federal Home Loan Bank advances, net— 845,238 Proceeds from the issuance of preferred stock, net414,148 — Redemption of preferred stock(412,500)— Repayment of subordinated notes— (140,000)Issuance of common shares resulting from the exercise of stock options, employee stock purchase plan and director compensation plan5,387 4,892 Common stock repurchases for tax withholdings related to stock-based compensation(2,997)(3,881)Dividends paid(127,571)(106,367)Net Cash Provided by Financing Activities4,109,252 4,304,855 Net Increase in Cash and Cash Equivalents106,933 307,664 Cash and Cash Equivalents at Beginning of Period458,536 423,464 Cash and Cash Equivalents at End of Period$565,469 $731,128 

See accompanying notes to unaudited consolidated financial statements. 

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Table of Contents

WINTRUST FINANCIAL CORPORATION AND SUBSIDIARIES

NOTES TO UNAUDITED CONSOLIDATED FINANCIAL STATEMENTS

(1) Basis of Presentation

The interim consolidated financial statements of Wintrust Financial Corporation and its subsidiaries (collectively, “Wintrust” or the “Company”) presented herein are unaudited, but in the opinion of management, reflect all necessary adjustments of a normal or recurring nature for a fair presentation of results as of the dates and for the periods covered by the interim consolidated financial statements.The accompanying interim consolidated financial statements are unaudited and do not include information or footnotes necessary for a complete presentation of financial