Company: WTFCN
Filing Date: 2025-02-28
Form Type: 10-K
Source: 0001015328-25-000093
Chunk: 164

Company: WINTRUST FINANCIAL CORP
Filing Date: 2025-02-28
Form: 10-K
Item: Item 8
Chunk 164
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1,411,485 $266,238 $39,541 $1,717,264 $30,179 $1,747,443 Interest expense231,287 19,557 1,237 252,081 — 252,081 Net interest income1,180,198 246,681 38,304 1,465,183 30,179 1,495,362 Provision for credit losses74,184 4,405 — 78,589 — 78,589 Non-interest income298,572 97,701 124,609 520,882 (59,829)461,053 Non-interest expense:Salaries306,062 45,043 29,526 380,631 1,550 382,181 Commissions and incentive compensation127,178 31,329 39,366 197,873 — 197,873 Benefits91,875 15,812 8,366 116,053 — 116,053 Other segment expenses(1)401,183 80,600 30,581 512,364 (31,200)481,164 Total non-interest expense926,298 172,784 107,839 1,206,921 (29,650)1,177,271 Income before taxes478,288 167,193 55,074 700,555 — 700,555 Income tax expense 128,939 46,286 15,648 190,873 — 190,873 Net income$349,349 $120,907 $39,426 $509,682 $— $509,682 Total assets at end of year$41,368,200 $9,826,254 $1,755,195 $52,949,649 $— $52,949,649 (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 7 of this Annual Report on Form 10-K for further discussion on non-interest expense.

166

(25) Condensed Parent Company Financial Statements

Condensed parent company only financial statements of