Company: WTFCN
Filing Date: 2025-08-06
Form Type: 10-Q
Source: 0001015328-25-000188
Chunk: 49

Company: WINTRUST FINANCIAL CORP
Filing Date: 2025-08-06
Form: 10-Q
Item: Item 1
Chunk 49
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 $8,156 $841,320 $8,659 $849,979 Interest expense366,682 12,459 228 379,369 — 379,369 Net interest income358,832 95,191 7,928 461,951 8,659 470,610 Provision for credit losses36,325 3,736 — 40,061 — 40,061 Non-interest income71,619 32,317 35,605 139,541 (18,394)121,147 Non-interest expense:Salaries88,294 15,747 9,431 113,472 388 113,860 Commissions and incentive compensation31,251 8,580 12,320 52,151 — 52,151 Benefits25,546 4,601 2,383 32,530 — 32,530 Other segment expenses (1)121,123 22,314 8,498 151,935 (10,123)141,812 Total non-interest expense266,214 51,242 32,632 350,088 (9,735)340,353 Income before taxes127,912 72,530 10,901 211,343 — 211,343 Income tax expense 36,677 19,439 2,839 58,955 — 58,955 Net income$91,235 $53,091 $8,062 $152,388 $— $152,388 Total assets at period end$47,611,508 $11,014,840 $1,155,168 $59,781,516 $— $59,781,516 (1)Other segment items include non-interest expense categories such as ‘Software & Equipment’, ‘Data processing’, ‘Advertising and Marketing’, ‘FDIC Insurance’, and ‘Occupancy’. See “Non-Interest Expense” under Management’s Discussion and Analysis of Financial Condition and Results of Operations in Item 2 of this Form 10-Q for further discussion on non-interest expense.

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(In thousands)CommunityBankingSpecialtyFinanceWealthManagementTotal Operating SegmentsIntersegment EliminationsConsolidatedSix Months Ended June 30, 2025:Interest income$1,569,284 $204,435 $10