Wintrust Financial Corporation (WTFC)

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	Dec 31, 2024	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	3,065	3,065	2,558	1,529	1,166	1,177
Interest Income on Investments	412.81	412.81	335.37	218.52	109.79	115.69
Total Interest Income	3,478	3,478	2,893	1,747	1,275	1,293
Interest Paid on Deposits	1,344	1,344	906.47	175.2	88.12	189.18
Interest Paid on Borrowings	171.42	171.42	148.78	76.88	62.41	63.94
Total Interest Expense	1,515	1,515	1,055	252.08	150.53	253.11
Net Interest Income	1,963	1,963	1,838	1,495	1,125	1,040
Net Interest Income Growth (YoY)	6.78%	6.78%	22.90%	32.93%	8.18%	-1.42%
Trust Income	146.23	146.23	130.61	126.61	124.02	100.34
Mortgage Banking Activities	93.21	93.21	83.07	155.17	273.01	346.01
Income From Trading Activities	0.5	0.5	1.14	3.75	0.25	-1
Gain (Loss) on Sale of Investments	-2.6	-2.6	1.53	-20.43	-1.06	-1.93
Other Non-Interest Income	183.46	183.46	161.33	136.67	135.14	115.12
Total Non-Interest Income	486.46	486.46	432.92	460.36	585.52	603.56
Non-Interest Income Growth (YoY)	12.37%	12.37%	-5.96%	-21.38%	-2.99%	48.24%
Revenues Before Loan Losses	2,449	2,449	2,271	1,956	1,710	1,643
Provision for Loan Losses	101.05	101.05	114.39	78.59	-59.26	214.22
Revenue	2,348	2,348	2,156	1,877	1,770	1,429
Revenue Growth (YoY)	8.88%	8.88%	14.88%	6.07%	23.82%	1.49%
Salaries and Employee Benefits	817.11	817.11	714.52	664.36	675.49	631.01
Occupancy Expenses	79.21	79.21	77.07	70.97	74.18	69.96
Federal Deposit Insurance	46.12	46.12	71.1	28.64	27.03	25
Amortization of Goodwill & Intangibles	12.1	12.1	5.5	6.12	7.73	11.02
Selling, General & Administrative	307.28	307.28	319.12	289.36	248.62	195.39
Other Non-Interest Expense	141.32	141.32	126.72	117.98	101.14	108.63
Total Non-Interest Expense	1,403	1,403	1,312	1,177	1,133	1,040
EBT Excluding Unusual Items	945.22	945.22	843.9	699.86	637.2	389.15
Other Unusual Items	1.87	1.87	1.18	0.69	0.6	0.63
Pretax Income	947.09	947.09	845.08	700.56	637.8	389.78
Income Tax Expense	252.04	252.04	222.46	190.87	171.65	96.79
Net Income	695.05	695.05	622.63	509.68	466.15	292.99
Preferred Dividends & Other Adjustments	27.96	27.96	27.96	27.96	27.96	21.38
Net Income to Common	667.08	667.08	594.66	481.72	438.19	271.61
Net Income Growth	11.63%	11.63%	22.16%	9.34%	59.10%	-17.63%
Basic Shares Outstanding	64	64	61	59	57	58
Diluted Shares Outstanding	65	65	62	60	58	58
Shares Change (YoY)	4.21%	4.21%	3.32%	3.99%	-0.40%	0.69%
EPS (Basic)	10.47	10.47	9.72	8.14	7.69	4.72
EPS (Diluted)	10.31	10.31	9.58	8.02	7.58	4.68
EPS Growth	7.62%	7.62%	19.45%	5.80%	61.97%	-22.39%
Dividend Per Share	1.800	1.800	1.600	1.360	1.240	1.120
Dividend Growth	12.50%	12.50%	17.65%	9.68%	10.71%	12.00%
Effective Tax Rate	26.61%	26.61%	26.32%	27.25%	26.91%	24.83%

Source: S&P Capital IQ. Banks template. Financial Sources.