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UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
_________________________________________
FORM 10-Q
_________________________________________
| | | | | |
☑ | QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 |
For the quarterly period ended March 31, 2022
OR
| | | | | |
☐ | TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 |
For the transition period from to
Commission File Number 001-35077
_____________________________________
WINTRUST FINANCIAL CORPORATION
(Exact name of registrant as specified in its charter)
| | | | | |
Illinois | 36-3873352 |
(State of incorporation or organization) | (I.R.S. Employer Identification No.) |
9700 W. Higgins Road, Suite 800
Rosemont, Illinois 60018
(Address of principal executive offices)
(847) 939-9000
(Registrant’s telephone number, including area code)
| | | | | | | | |
Title of Each Class | Ticker Symbol | Name of Each Exchange on Which Registered |
Common Stock, no par value | WTFC | The NASDAQ Global Select Market |
Fixed-to-Floating Rate Non-Cumulative Perpetual Preferred Stock, Series D, no par value | WTFCM | The NASDAQ Global Select Market |
Depositary Shares, Each Representing a 1/1,000th Interest in a Share of | WTFCP | The NASDAQ Global Select Market |
6.875% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series E, no par value | | |
____________________________________ Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days. Yes ☑ No ☐
Indicate by check mark whether the registrant has submitted electronically and posted on its corporate Web site, if any, every Interactive Data File required to be submitted and posted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit and post such files). Yes ☑ No ☐
Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, smaller reporting company, or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company,” and “emerging growth company” in Rule 12b-2 of the Exchange Act. (Check one):
| | | | | | | | | | | | | | | | | | | | | | | |
Large accelerated filer | | ☑ | | | Accelerated filer | | ☐ |
Non-accelerated filer | | ☐ | (Do not check if a smaller reporting company) | | Smaller reporting company | | ☐ |
Emerging growth company | | ☐ | | | | | |
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐
Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act). Yes ☐ No ☑
Indicate the number of shares outstanding of each of the issuer’s classes of common stock, as of the latest practicable date.
Common Stock — no par value, 57,267,865 shares, as of April 29, 2022
TABLE OF CONTENTS
| | | | | | | | |
| | Page |
| PART I. — FINANCIAL INFORMATION | |
ITEM 1. | | |
ITEM 2. | | |
ITEM 3. | | |
ITEM 4. | | |
| PART II. — OTHER INFORMATION | |
ITEM 1. | | |
ITEM 1A. | | |
ITEM 2. | | |
ITEM 3. | Defaults Upon Senior Securities | NA |
ITEM 4. | Mine Safety Disclosures | NA |
ITEM 5. | Other Information | NA |
ITEM 6. | | |
| | |
PART I
ITEM 1. FINANCIAL STATEMENTS
| | | | | | | | | | | | | | | | | |
WINTRUST FINANCIAL CORPORATION AND SUBSIDIARIES CONSOLIDATED STATEMENTS OF CONDITION |
| (Unaudited) | | | | (Unaudited) |
(In thousands, except share data) | March 31, 2022 | | December 31, 2021 | | March 31, 2021 |
Assets | | | | | |
Cash and due from banks | $ | 462,516 | | | $ | 411,150 | | | $ | 426,325 | |
Federal funds sold and securities purchased under resale agreements | 700,056 | | | 700,055 | | | 52 | |
Interest-bearing deposits with banks | 4,013,597 | | | 5,372,603 | | | 3,348,794 | |
Available-for-sale securities, at fair value | 2,998,898 | | | 2,327,793 | | | 2,430,749 | |
Held-to-maturity securities, at amortized cost, net of allowance for credit losses of $159, $78 and $99 at March 31, 2022, December 31, 2021 and March 31, 2021, respectively ($3.1 billion, $2.9 billion and $2.1 billion fair value at March 31, 2022, December 31, 2021 and March 31, 2021, respectively) | 3,435,729 | | | 2,942,285 | | | 2,166,419 | |
Trading account securities | 852 | | | 1,061 | | | 951 | |
Equity securities with readily determinable fair value | 92,689 | | | 90,511 | | | 90,338 | |
Federal Home Loan Bank and Federal Reserve Bank stock | 136,163 | | | 135,378 | | | 135,881 | |
Brokerage customer receivables | 22,888 | | | 26,068 | | | 19,056 | |
Mortgage loans held-for-sale, at fair value | 606,545 | | | 817,912 | | | 1,260,193 | |
| | | | | |
| | | | | |
| | | | | |
| | | | | |
Loans, net of unearned income | 35,280,547 | | | 34,789,104 | | | 33,171,233 | |
Allowance for loan losses | (250,539) | | | (247,835) | | | (277,709) | |
| | | | | |
| | | | | |
Net loans | 35,030,008 | | | 34,541,269 | | | 32,893,524 | |
Premises, software and equipment, net | 761,213 | | | 766,405 | | | 760,522 | |
Lease investments, net | 240,656 | | | 242,082 | | | 238,984 | |
| | | | | |
| | | | | |
Accrued interest receivable and other assets | 1,066,750 | | | 1,084,115 | | | 1,230,362 | |
| | | | | |
| | | | | |
Goodwill | 655,402 | | | 655,149 | | | 646,017 | |
Other acquisition-related intangible assets | 26,699 | | | 28,307 | | | 34,035 | |
Total assets | $ | 50,250,661 | | | $ | 50,142,143 | | | $ | 45,682,202 | |
| | | | | |
Liabilities and Shareholders’ Equity | | | | | |
Deposits: | | | | | |
Non-interest-bearing | $ | 13,748,918 | | | $ | 14,179,980 | | | $ | 12,297,337 | |
Interest-bearing | 28,470,404 | | | 27,915,605 | | | 25,575,315 | |
Total deposits | 42,219,322 | | | 42,095,585 | | | 37,872,652 | |
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Federal Home Loan Bank advances | 1,241,071 | | | 1,241,071 | | | 1,228,436 | |
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Other borrowings | 482,516 | | | 494,136 | | | 516,877 | |
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Subordinated notes | 437,033 | | | 436,938 | | | 436,595 | |
Junior subordinated debentures | 253,566 | | | 253,566 | | | 253,566 | |
Trade date securities payable | 437 | | | — | | | 995 | |
Accrued interest payable and other liabilities | 1,124,460 | | | 1,122,159 | | | 1,120,570 | |
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Total liabilities | 45,758,405 | | | 45,643,455 | | | 41,429,691 | |
Shareholders’ Equity: | | | | | |
Preferred stock, no par value; 20,000,000 shares authorized: | | | | | |
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Series D - $25 liquidation value; 5,000,000 shares issued and outstanding at March 31, 2022, December 31, 2021 and March 31, 2021 | 125,000 | | | 125,000 | | | 125,000 | |
Series E - $25,000 liquidation value; 11,500 shares issued and outstanding at March 31, 2022, December 31, 2021 and March 31, 2021 | 287,500 | | | 287,500 | | | 287,500 | |
Common stock, no par value; $1.00 stated value; 100,000,000 shares authorized at March 31, 2022, December 31, 2021 and March 31, 2021; 59,090,903 shares issued at March 31, 2022, 58,891,780 shares issued at December 31, 2021 and 58,726,900 shares issued at March 31, 2021 | 59,091 | | | 58,892 | | | 58,727 | |
Surplus | 1,698,093 | | | 1,685,572 | | | 1,663,008 | |
Treasury stock, at cost, 1,837,689 shares at March 31, 2022, 1,837,689 shares at December 31, 2021, and 1,703,627 shares at March 31, 2021 | (109,903) | | | (109,903) | | | (100,363) | |
Retained earnings | 2,548,474 | | | 2,447,535 | | | 2,208,535 | |
Accumulated other comprehensive (loss) income | (115,999) | | | 4,092 | | | 10,104 | |
Total shareholders’ equity | 4,492,256 | | | 4,498,688 | | | 4,252,511 | |
Total liabilities and shareholders’ equity | $ | 50,250,661 | | | $ | 50,142,143 | | | $ | 45,682,202 | |
See accompanying notes to unaudited consolidated financial statements.
WINTRUST FINANCIAL CORPORATION AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF INCOME (UNAUDITED) | | | | | | | | | | | | | | | |
| Three Months Ended | | |
(In thousands, except per share data) | March 31, 2022 | | March 31, 2021 | | | | |
Interest income | | | | | | | |
Interest and fees on loans | $ | 285,698 | | | $ | 274,100 | | | | | |
Mortgage loans held-for-sale | 6,087 | | | 9,036 | | | | | |
Interest-bearing deposits with banks | 1,687 | | | 1,199 | | | | | |
Federal funds sold and securities purchased under resale agreements | 431 | | | — | | | | | |
Investment securities | 32,398 | | | 19,264 | | | | | |
Trading account securities | 5 | | | 2 | | | | | |
Federal Home Loan Bank and Federal Reserve Bank stock | 1,772 | | | 1,745 | | | | | |
Brokerage customer receivables | 174 | | | 123 | | | | | |
Total interest income | 328,252 | | | 305,469 | | | | | |
Interest expense | | | | | | | |
Interest on deposits | 14,854 | | | 27,944 | | | | | |
Interest on Federal Home Loan Bank advances | 4,816 | | | 4,840 | | | | | |
Interest on other borrowings | 2,239 | | | 2,609 | | | | | |
Interest on subordinated notes | 5,482 | | | 5,477 | | | | | |
Interest on junior subordinated debentures | 1,567 | | | 2,704 | | | | | |
Total interest expense | 28,958 | | | 43,574 | | | | | |
Net interest income | 299,294 | | | 261,895 | | | | | |
Provision for credit losses | 4,106 | | | (45,347) | | | | | |
Net interest income after provision for credit losses | 295,188 | | | 307,242 | | | | | |
Non-interest income | | | | | | | |
Wealth management | 31,394 | | | 29,309 | | | | | |
Mortgage banking | 77,231 | | | 113,494 | | | | | |
Service charges on deposit accounts | 15,283 | | | 12,036 | | | | | |
(Losses) gains on investment securities, net | (2,782) | | | 1,154 | | | | | |
Fees from covered call options | 3,742 | | | — | | | | | |
Trading gains, net | 3,889 | | | 419 | | | | | |
Operating lease income, net | 15,475 | | | 14,440 | | | | | |
Other | 18,558 | | | 15,654 | | | | | |
Total non-interest income | 162,790 | | | 186,506 | | | | | |
Non-interest expense | | | | | | | |
Salaries and employee benefits | 172,355 | | | 180,809 | | | | | |
Software and equipment | 22,810 | | | 20,912 | | | | | |
Operating lease equipment depreciation | 9,708 | | | 10,771 | | | | | |
Occupancy, net | 17,824 | | | 19,996 | | | | | |
Data processing | 7,505 | | | 6,048 | | | | | |
Advertising and marketing | 11,924 | | | 8,546 | | | | | |
Professional fees | 8,401 | | | 7,587 | | | | | |
Amortization of other acquisition-related intangible assets | 1,609 | | | 2,007 | | | | | |
FDIC insurance | 7,729 | | | 6,558 | | | | | |
Other real estate owned expense, net | (1,032) | | | (251) | | | | | |
Other | 25,465 | | | 23,906 | | | | | |
Total non-interest expense | 284,298 | | | 286,889 | | | | | |
Income before taxes | 173,680 | | | 206,859 | | | | | |
Income tax expense | 46,289 | | | 53,711 | | | | | |
Net income | $ | 127,391 | | | $ | 153,148 | | | | | |
Preferred stock dividends | 6,991 | | | 6,991 | | | | | |
Net income applicable to common shares | $ | 120,400 | | | $ | 146,157 | | | | | |
Net income per common share—Basic | $ | 2.11 | | | $ | 2.57 | | | | | |
Net income per common share—Diluted | $ | 2.07 | | | $ | 2.54 | | | | | |
Cash dividends declared per common share | $ | 0.34 | | | $ | 0.31 | | | | | |
Weighted average common shares outstanding | 57,196 | | | 56,904 | | | | | |
Dilutive potential common shares | 862 | | | 681 | | | | | |
Average common shares and dilutive common shares | 58,058 | | | 57,585 | | | | | |
See accompanying notes to unaudited consolidated financial statements.
WINTRUST FINANCIAL CORPORATION AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (UNAUDITED)
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| Three Months Ended | | |
(In thousands) | March 31, 2022 | | March 31, 2021 | | | | |
Net income | $ | 127,391 | | | $ | 153,148 | | | | | |
Unrealized losses on available-for-sale securities | | | | | | | |
Before tax | (206,017) | | | (60,726) | | | | | |
Tax effect | 54,903 | | | 16,207 | | | | | |
Net of tax | (151,114) | | | (44,519) | | | | | |
Reclassification of net gains on available-for-sale securities included in net income | | | | | | | |
Before tax | 250 | | | 210 | | | | | |
Tax effect | (67) | | | (56) | | | | | |
Net of tax | 183 | | | 154 | | | | | |
Reclassification of amortization of unrealized gains on investment securities transferred to held-to-maturity from available-for-sale | | | | | | | |
Before tax | 42 | | | 57 | | | | | |
Tax effect | (11) | | | (15) | | | | | |
Net of tax | 31 | | | 42 | | | | | |
Net unrealized losses on available-for-sale securities | (151,328) | | | (44,715) | | | | | |
Unrealized gains on derivative instruments | | | | | | | |
Before tax | 39,481 | | | 50,792 | | | | | |
Tax effect | (10,532) | | | (13,535) | | | | | |
Net unrealized gains on derivative instruments | 28,949 | | | 37,257 | | | | | |
Foreign currency adjustment | | | | | | | |
Before tax | 2,842 | | | 2,734 | | | | | |
Tax effect | (554) | | | (554) | | | | | |
Net foreign currency adjustment | 2,288 | | | 2,180 | | | | | |
Total other comprehensive loss | (120,091) | | | (5,278) | | | | | |
Comprehensive income | $ | 7,300 | | | $ | 147,870 | | | | | |
See accompanying notes to unaudited consolidated financial statements.
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WINTRUST FINANCIAL CORPORATION AND SUBSIDIARIES CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS’ EQUITY (UNAUDITED) |
(In thousands, except per share data) | Preferred stock | | Common stock | | Surplus | | Treasury stock | | Retained earnings | | Accumulated other comprehensive income (loss) | | Total shareholders’ equity |
Balance at January 1, 2021 | $ | 412,500 | | | $ | 58,473 | | | $ | 1,649,990 | | | $ | (100,363) | | | $ | 2,080,013 | | | $ | 15,382 | | | $ | 4,115,995 | |
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Net income | — | | | — | | | — | | | — | | | 153,148 | | | — | | | 153,148 | |
Other comprehensive loss, net of tax | — | | | — | | | — | | | — | | | — | | | (5,278) | | | (5,278) | |
Cash dividends declared on common stock, $0.31 per share | — | | | — | | | — | | | — | | | (17,635) | | | — | | | (17,635) | |
Dividends on Series D preferred stock, $0.41 per share and Series E preferred stock, $429.69 per share | — | | | — | | | — | | | — | | | (6,991) | | | — | | | (6,991) | |
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Stock-based compensation | — | | | — | | | 2,862 | | | — | | | — | | | — | | | 2,862 | |
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Common stock issued for: | | | | | | | | | | | | | |
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Exercise of stock options and warrants | — | | | 209 | | | 8,752 | | | — | | | — | | | — | | | 8,961 | |
Restricted stock awards | — | | | 7 | | | (7) | | | — | | | — | | | — | | | — | |
Employee stock purchase plan | — | | | 14 | | | 801 | | | — | | | — | | | — | | | 815 | |
Director compensation plan | — | | | 24 | | | 610 | | | — | | | — | | | — | | | 634 | |
Balance at March 31, 2021 | $ | 412,500 | | | $ | 58,727 | | | $ | 1,663,008 | | | $ | (100,363) | | | $ | 2,208,535 | | | $ | 10,104 | | | $ | 4,252,511 | |
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Balance at January 1, 2022 | $ | 412,500 | | | $ | 58,892 | | | $ | 1,685,572 | | | $ | (109,903) | | | $ | 2,447,535 | | | $ | 4,092 | | | $ | 4,498,688 | |
Net income | — | | | — | | | — | | | — | | | 127,391 | | | — | | | 127,391 | |
Other comprehensive loss, net of tax | — | | | — | | | — | | | — | | | — | | | (120,091) | | | (120,091) | |
Cash dividends declared on common stock, $0.34 per share | — | | | — | | | — | | | — | | | (19,461) | | | — | | | (19,461) | |
Dividends on Series D preferred stock, $0.41 per share and Series E preferred stock, $429.69 per share | — | | | — | | | — | | | — | | | (6,991) | | | — | | | (6,991) | |
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Stock-based compensation | — | | | — | | | 7,891 | | | — | | | — | | | — | | | 7,891 | |
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Common stock issued for: | | | | | | | | | | | | | |
Exercise of stock options and warrants | — | | | 79 | | | 3,279 | | | — | | | — | | | — | | | 3,358 | |
Restricted stock awards | — | | | 52 | | | (52) | | | — | | | — | | | — | | | — | |
Employee stock purchase plan | — | | | 10 | | | 832 | | | — | | | — | | | — | | | 842 | |
Director compensation plan | — | | | 58 | | | 571 | | | — | | | — | | | — | | | 629 | |
Balance at March 31, 2022 | $ | 412,500 | | | $ | 59,091 | | | $ | 1,698,093 | | | $ | (109,903) | | | $ | 2,548,474 | | | $ | (115,999) | | | $ | 4,492,256 | |
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