Wintrust Financial Income Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	3,240	3,065	2,558	1,529	1,166
Interest Income on Investments	487.56	412.81	335.37	218.52	109.79
Total Interest Income	3,728	3,478	2,893	1,747	1,275
Interest Paid on Deposits	1,342	1,344	906.47	175.2	88.12
Interest Paid on Borrowings	162.25	171.42	148.78	76.88	62.41
Total Interest Expense	1,504	1,515	1,055	252.08	150.53
Net Interest Income	2,224	1,963	1,838	1,495	1,125
Net Interest Income Growth (YoY)	13.33%	6.78%	22.90%	32.93%	8.18%
Trust Income	147.42	146.23	130.61	126.61	124.02
Mortgage Banking Activities	90.78	93.21	83.07	155.17	273.01
Income From Trading Activities	0	0.5	1.14	3.75	0.25
Gain (Loss) on Sale of Investments	8.32	-2.6	1.53	-20.43	-1.06
Other Non-Interest Income	174.07	183.46	161.33	136.67	135.14
Total Non-Interest Income	499.67	486.46	432.92	460.36	585.52
Non-Interest Income Growth (YoY)	2.72%	12.37%	-5.96%	-21.38%	-2.99%
Revenues Before Loan Losses	2,724	2,449	2,271	1,956	1,710
Provision for Loan Losses	95.55	101.05	114.39	78.59	-59.26
Revenue	2,628	2,348	2,156	1,877	1,770
Revenue Growth (YoY)	11.94%	8.88%	14.88%	6.07%	23.82%
Salaries and Employee Benefits	873.29	779	714.52	664.36	675.49
Occupancy Expenses	81.92	79.21	77.07	70.97	74.18
Federal Deposit Insurance	43.88	46.12	71.1	28.64	27.03
Amortization of Goodwill & Intangibles	21.39	12.1	5.5	6.12	7.73
Selling, General & Administrative	329.44	345.39	319.12	289.36	248.62
Other Non-Interest Expense	158.54	141.32	126.72	117.98	101.14
Total Non-Interest Expense	1,512	1,403	1,312	1,177	1,133
EBT Excluding Unusual Items	1,116	945.22	843.9	699.86	637.2
Other Unusual Items	2.27	1.87	1.18	0.69	0.6
Pretax Income	1,118	947.09	845.08	700.56	637.8
Income Tax Expense	294.56	252.04	222.46	190.87	171.65
Net Income	823.84	695.05	622.63	509.68	466.15
Preferred Dividends & Other Adjustments	49.69	27.96	27.96	27.96	27.96
Net Income to Common	774.15	667.08	594.66	481.72	438.19
Net Income Growth	18.53%	11.63%	22.16%	9.34%	59.10%
Basic Shares Outstanding	67	64	61	59	57
Diluted Shares Outstanding	68	65	62	60	58
Shares Change (YoY)	4.93%	4.21%	3.32%	3.99%	-0.40%
EPS (Basic)	11.57	10.47	9.72	8.14	7.69
EPS (Diluted)	11.40	10.31	9.58	8.02	7.58
EPS Growth	10.57%	7.62%	19.45%	5.80%	61.97%
Dividend Per Share	2.000	1.800	1.600	1.360	1.240
Dividend Growth	11.11%	12.50%	17.65%	9.68%	10.71%
Effective Tax Rate	26.34%	26.61%	26.32%	27.25%	26.91%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.