Company: WTFCN
Filing Date: 2025-11-06
Form Type: 10-Q
Source: 0001015328-25-000207
Chunk: 52

Company: WINTRUST FINANCIAL CORP
Filing Date: 2025-11-06
Form: 10-Q
Item: Item 1
Chunk 52
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 of Operations in Item 2 of this Form 10-Q for further discussion on non-interest expense.

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Table of Contents

(In thousands)CommunityBankingSpecialtyFinanceWealthManagementTotal Operating SegmentsIntersegment EliminationsConsolidatedNine Months Ended September 30, 2025:Interest income$2,408,155 $312,275 $16,192 $2,736,622 $35,085 $2,771,707 Interest expense1,099,943 31,228 358 1,131,529 — 1,131,529 Net interest income1,308,212 281,047 15,834 1,605,093 35,085 1,640,178 Provision for credit losses62,965 5,000 — 67,965 — 67,965 Non-interest income231,498 96,784 112,991 441,273 (69,723)371,550 Non-interest expense:Salaries293,388 47,864 28,968 370,220 1,494 371,714 Commissions and incentive compensation98,637 29,462 36,552 164,651 — 164,651 Benefits90,058 16,399 7,913 114,370 — 114,370 Other segment expenses (1)413,177 72,237 27,562 512,976 (36,132)476,844 Total non-interest expense895,260 165,962 100,995 1,162,217 (34,638)1,127,579 Income before taxes581,485 206,869 27,830 816,184 — 816,184 Income tax expense153,471 55,214 6,679 215,364 — 215,364 Net income$428,014 $151,655 $21,151 $600,820 $— $600,820 Nine Months Ended September 30, 2024:Interest income$2,207,658 $303,746 $23,255 $2,534,659 $29,437 $2,564,096 Interest expense1,088,247 37,825 637 1,126,709 — 1,126,709