Company: WTFCN
Filing Date: 2025-11-06
Form Type: 10-Q
Source: 0001015328-25-000207
Chunk: 103

Company: WINTRUST FINANCIAL CORP
Filing Date: 2025-11-06
Form: 10-Q
Item: Item 1
Chunk 103
---
 interest income on a FTE basis (non-GAAP) comparing the three month ended September 30, 2025 to each of the three month periods ended June 30, 2025 and September 30, 2024 and nine month periods ended September 30, 2025 and 2024. The reconciliations set forth the changes in the net interest income on a FTE basis (non-GAAP) as a result of changes in volumes, changes in rates and differing number of days in each period:

Third Quarter of 2025Compared toSecond Quarter of 2025Third Quarter of 2025Compared to Third Quarter of 2024First Nine Months of 2025Compared toFirst Nine Months of 2024(In thousands)Net interest income, FTE basis (non-GAAP) (1) for comparative period$549,574 $505,727 $1,446,207 Change due to mix and growth of earning assets and interest-bearing liabilities (volume)20,005 60,831 194,709 Change due to interest rate fluctuations (rate)(5,713)3,281 13,168 Change due to number of days in each period5,973 — (5,298)Less: FTE adjustment(2,829)(2,829)(8,608)Net interest income (GAAP) (1) for the period ended September 30, 2025$567,010 $567,010 $1,640,178 FTE adjustment2,829 2,829 8,608 Net interest income, FTE basis (non-GAAP) (1)$569,839 $569,839 $1,648,786 

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

Non-interest Income

The following table presents non-interest income by category for the periods presented:

Three Months Ended$Change%Change(Dollars in thousands)September 30,2025September 30,2024Brokerage$4,426 $6,139 $(1,713)(28)%Trust and asset management32,762 31,085 1,677 5 Total wealth management (1)37,188 37,224 (36)0 Mortgage banking24,451 15,974 8,477 53 Service charges on deposit