Company: WTFCN
Filing Date: 2025-05-05
Form Type: 10-Q
Source: 0001015328-25-000130
Chunk: 2

Company: WINTRUST FINANCIAL CORP
Filing Date: 2025-05-05
Form: 10-Q
Item: Item 1
Chunk 2
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,269 shares at March 31, 2025, 64,955 shares at December 31, 2024, and 61,498 shares at March 31, 2024(9,156)(6,153)(5,757)Retained earnings4,045,854 3,897,164 3,498,475 Accumulated other comprehensive loss(410,015)(508,335)(485,148)Total shareholders’ equity6,600,537 6,344,297 5,436,400 Total liabilities and shareholders’ equity$65,870,066 $64,879,668 $57,576,933 

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 Ended(Dollars in thousands, except per share data)March 31,2025March 31,2024Interest incomeInterest and fees on loans$768,362 $710,341 Mortgage loans held-for-sale4,246 4,146 Interest-bearing deposits with banks36,766 16,658 Federal funds sold and securities purchased under resale agreements179 19 Investment securities72,016 69,678 Trading account securities11 18 Federal Home Loan Bank and Federal Reserve Bank stock5,307 4,478 Brokerage customer receivables78 175 Total interest income886,965 805,513 Interest expenseInterest on deposits320,233 299,532 Interest on Federal Home Loan Bank advances25,441 22,048 Interest on other borrowings6,792 9,248 Interest on subordinated notes3,714 5,487 Interest on junior subordinated debentures4,311 5,004 Total interest expense360,491 341,319 Net interest income526,474 464,194 Provision for credit losses23,963 21,673 Net interest income after provision for credit losses502,511 442,521 Non-interest incomeWealth management34,042 34,815 Mortgage banking20,529 27,663 Service charges on deposit accounts19,362 14,811 Gains on investment securities, net3,196 1,326 Fees from covered call options3,446