Wintrust Financial Balance Sheet

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
Cash & Equivalents	467.94	458.54	423.46	490.97	1,111
Investment Securities	6,588	8,652	6,410	6,127	8,757
Trading Asset Securities	-	204.1	280.43	297.98	166.07
Mortgage-Backed Securities	6,236	3,793	3,233	2,899	2,014
Total Investments	12,824	12,649	9,924	9,324	10,937
Gross Loans	53,466	48,601	42,699	39,675	35,167
Allowance for Loan Losses	-379.28	-364.02	-344.24	-270.17	-247.84
Other Adjustments to Gross Loans	-	-267.7	-285.4	-224.5	-135.5
Net Loans	53,086	47,969	42,069	39,180	34,783
Property, Plant & Equipment	781.61	779.13	748.97	764.8	766.41
Goodwill	797.96	796.94	656.67	653.52	655.15
Other Intangible Assets	98	121.69	22.89	22.19	28.31
Loans Held for Sale	340.75	331.26	292.72	299.94	817.91
Accrued Interest Receivable	1,597	332.8	304.5	214	117.4
Other Receivables	835.28	31.57	716.48	948.62	38.88
Other Real Estate Owned & Foreclosed	20.84	23.12	13.31	9.9	4.27
Other Long-Term Assets	-	1,105	883.2	816.28	747.13
Total Assets	71,142	64,880	56,260	52,950	50,142
Interest Bearing Deposits	46,293	37,202	32,477	28,234	26,716
Institutional Deposits	-	3,900	2,500	2,000	1,200
Non-Interest Bearing Deposits	11,424	11,410	10,420	12,668	14,180
Total Deposits	57,717	52,512	45,397	42,903	42,096
Short-Term Borrowings	-	241.75	281.13	645.69	207.2
Current Portion of Long-Term Debt	-	323.2	25	-	-
Current Portion of Leases	-	25.41	-	-	-
Accrued Interest Payable	1,685	48.36	51.12	22.18	9.3
Long-Term Debt	776.6	509.89	1,070	1,016	921.88
Federal Home Loan Bank Debt, Long-Term	3,451	3,151	2,301	2,026	1,166
Long-Term Leases	-	128.2	-	-	-
Trust Preferred Securities	253.57	253.57	253.57	253.57	253.57
Long-Term Unearned Revenue	-	1.33	0.67	1.28	1.59
Other Long-Term Liabilities	-	1,340	1,481	1,285	988.27
Total Liabilities	63,883	58,535	50,860	48,153	45,643
Preferred Stock, Redeemable	425	412.5	412.5	412.5	412.5
Total Preferred Equity	425	412.5	412.5	412.5	412.5
Common Stock	67.06	66.56	61.27	60.8	58.89
Additional Paid-In Capital	2,534	2,483	1,944	1,902	1,686
Retained Earnings	4,538	3,897	3,345	2,849	2,448
Treasury Stock	-9.16	-6.15	-2.22	-0.3	-109.9
Comprehensive Income & Other	-295.75	-508.34	-361.23	-427.64	4.09
Total Common Equity	6,834	5,932	4,987	4,384	4,086
Shareholders' Equity	7,259	6,344	5,400	4,797	4,499
Total Liabilities & Equity	71,142	64,880	56,260	52,950	50,142
Total Debt	4,481	4,633	3,931	3,942	2,549
Net Cash (Debt)	-832.99	439.07	-1,142	-1,164	4,101
Net Cash Growth	-	-	-	-	53.13%
Net Cash Per Share	-12.27	6.79	-18.40	-19.37	70.97
Filing Date Shares Outstanding	66.97	66.71	61.47	61.02	57.24
Total Common Shares Outstanding	66.97	66.5	61.24	60.79	57.05
Book Value Per Share	102.03	89.21	81.43	72.12	71.62
Tangible Book Value	5,938	5,013	4,307	3,709	3,403
Tangible Book Value Per Share	88.66	75.39	70.33	61.00	59.64

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