Wintrust Financial Corporation (FRA:WF2)

Wintrust Financial Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	3,207	3,065	2,558	1,529	1,166	1,177
Interest Income on Investments	478.17	412.81	335.37	218.52	109.79	115.69
Total Interest Income	3,685	3,478	2,893	1,747	1,275	1,293
Interest Paid on Deposits	1,356	1,344	906.47	175.2	88.12	189.18
Interest Paid on Borrowings	163.95	171.42	148.78	76.88	62.41	63.94
Total Interest Expense	1,520	1,515	1,055	252.08	150.53	253.11
Net Interest Income	2,165	1,963	1,838	1,495	1,125	1,040
Net Interest Income Growth (YoY)	13.53%	6.78%	22.90%	32.93%	8.18%	-1.42%
Trust Income	146.83	146.23	130.61	126.61	124.02	100.34
Mortgage Banking Activities	88.6	93.21	83.07	155.17	273.01	346.01
Income From Trading Activities	0.15	0.5	1.14	3.75	0.25	-1
Gain (Loss) on Sale of Investments	3.98	-2.6	1.53	-20.43	-1.06	-1.93
Other Non-Interest Income	165.69	183.46	161.33	136.67	135.14	115.12
Total Non-Interest Income	482.8	486.46	432.92	460.36	585.52	603.56
Non-Interest Income Growth (YoY)	1.82%	12.37%	-5.96%	-21.38%	-2.99%	48.24%
Revenues Before Loan Losses	2,648	2,449	2,271	1,956	1,710	1,643
Provision for Loan Losses	84.94	101.05	114.39	78.59	-59.26	214.22
Revenue	2,563	2,348	2,156	1,877	1,770	1,429
Revenue Growth (YoY)	13.69%	8.88%	14.88%	6.07%	23.82%	1.49%
Salaries and Employee Benefits	824.76	779	714.52	664.36	675.49	631.01
Occupancy Expenses	82.41	79.21	77.07	70.97	74.18	69.96
Federal Deposit Insurance	43.96	46.12	71.1	28.64	27.03	25
Amortization of Goodwill & Intangibles	22.17	12.1	5.5	6.12	7.73	11.02
Selling, General & Administrative	366.45	345.39	319.12	289.36	248.62	195.39
Other Non-Interest Expense	154.57	141.32	126.72	117.98	101.14	108.63
Total Non-Interest Expense	1,496	1,403	1,312	1,177	1,133	1,040
EBT Excluding Unusual Items	1,067	945.22	843.9	699.86	637.2	389.15
Other Unusual Items	2.2	1.87	1.18	0.69	0.6	0.63
Pretax Income	1,069	947.09	845.08	700.56	637.8	389.78
Income Tax Expense	283.08	252.04	222.46	190.87	171.65	96.79
Net Income	786.18	695.05	622.63	509.68	466.15	292.99
Preferred Dividends & Other Adjustments	48.31	27.96	27.96	27.96	27.96	21.38
Net Income to Common	737.87	667.08	594.66	481.72	438.19	271.61
Net Income Growth	24.17%	11.63%	22.16%	9.34%	59.10%	-17.63%
Basic Shares Outstanding	67	64	61	59	57	58
Diluted Shares Outstanding	68	65	62	60	58	58
Shares Change (YoY)	7.05%	4.21%	3.32%	3.99%	-0.40%	0.69%
EPS (Basic)	11.05	10.47	9.72	8.14	7.69	4.72
EPS (Diluted)	10.89	10.31	9.58	8.02	7.58	4.68
EPS Growth	13.95%	7.62%	19.45%	5.80%	61.97%	-22.39%
Dividend Per Share	1.950	1.800	1.600	1.360	1.240	1.120
Dividend Growth	11.43%	12.50%	17.65%	9.68%	10.71%	12.00%
Effective Tax Rate	26.47%	26.61%	26.32%	27.25%	26.91%	24.83%

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