Company: WTFCN
Filing Date: 2025-11-06
Form Type: 10-Q
Source: 0001015328-25-000207
Chunk: 2

Company: WINTRUST FINANCIAL CORP
Filing Date: 2025-11-06
Form: 10-Q
Item: Item 1
Chunk 2
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,560,182 shares issued at December 31, 2024 and 66,546,351 shares issued at September 30, 202467,042 66,560 66,546 Surplus2,521,306 2,482,561 2,470,228 Treasury stock, at cost, 81,019 shares at September 30, 2025, 64,955 shares at December 31, 2024, and 64,808 shares at September 30, 2024(9,150)(6,153)(6,098)Retained earnings4,356,367 3,897,164 3,748,715 Accumulated other comprehensive loss(314,808)(508,335)(292,177)Total shareholders’ equity7,045,757 6,344,297 6,399,714 Total liabilities and shareholders’ equity$69,629,638 $64,879,668 $63,788,424 

See accompanying notes to unaudited consolidated financial statements.

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Table of Contents

WINTRUST FINANCIAL CORPORATION AND SUBSIDIARIES

CONSOLIDATED STATEMENTS OF INCOME (UNAUDITED)Three Months EndedNine Months Ended(Dollars in thousands, except per share data)September 30,2025September 30,2024September 30,2025September 30,2024Interest incomeInterest and fees on loans$832,140 $794,163 $2,398,499 $2,254,316 Mortgage loans held-for-sale4,757 6,233 13,875 15,813 Interest-bearing deposits with banks34,992 32,608 106,075 68,997 Federal funds sold and securities purchased under resale agreements75 277 530 313 Investment securities86,426 69,592 236,495 209,049 Trading account securities— 11 11 42 Federal Home Loan Bank and Federal Reserve Bank stock5,444 5,451 16,144 14,903 Brokerage customer receivables— 269 78 663 Total interest income963,834 908,604 2,771,707 2,564,096 Interest expenseInterest on deposits355,846 362,019 1,009,549 997,254 Interest on Federal Home Loan Bank