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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 June 30, 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) 
Illinois36-3873352
(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)
(847939-9000
(Registrant’s telephone number, including area code)
Title of Each Class Ticker SymbolName of Each Exchange on Which Registered
Common Stock, no par valueWTFCThe NASDAQ Global Select Market
Fixed-to-Floating Rate Non-Cumulative Perpetual Preferred Stock, Series D, no par valueWTFCMThe NASDAQ Global Select Market
Depositary Shares, Each Representing a 1/1,000th Interest in a Share of
WTFCPThe 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 filerAccelerated 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, 60,736,285 shares, as of July 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 SecuritiesNA
ITEM 4.Mine Safety DisclosuresNA
ITEM 5.Other InformationNA
ITEM 6.



PART I
ITEM 1. FINANCIAL STATEMENTS
WINTRUST FINANCIAL CORPORATION AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF CONDITION
(Unaudited)(Unaudited)
(In thousands, except share data)June 30,
2022
December 31,
2021
June 30,
2021
Assets
Cash and due from banks$498,891 $411,150 $434,957 
Federal funds sold and securities purchased under resale agreements475,056 700,055 52 
Interest-bearing deposits with banks3,266,541 5,372,603 4,707,415 
Available-for-sale securities, at fair value2,970,121 2,327,793 2,188,608 
Held-to-maturity securities, at amortized cost, net of allowance for credit losses of $83, $78 and $90 at June 30, 2022, December 31, 2021 and June 30, 2021, respectively ($2.9 billion, $2.9 billion and $2.5 billion fair value at June 30, 2022, December 31, 2021 and June 30, 2021, respectively)
3,413,469 2,942,285 2,498,232 
Trading account securities1,010 1,061 2,667 
Equity securities with readily determinable fair value93,295 90,511 86,316 
Federal Home Loan Bank and Federal Reserve Bank stock136,138 135,378 136,625 
Brokerage customer receivables21,527 26,068 23,093 
Mortgage loans held-for-sale, at fair value513,232 817,912 984,994 
Loans, net of unearned income37,053,103 34,789,104 32,911,187 
Allowance for loan losses(251,769)(247,835)(261,089)
Net loans36,801,334 34,541,269 32,650,098 
Premises, software and equipment, net762,381 766,405 752,375 
Lease investments, net223,813 242,082 219,023 
Accrued interest receivable and other assets1,112,697 1,084,115 1,185,811 
Trade date securities receivable  189,851 
Goodwill654,709 655,149 646,336 
Other acquisition-related intangible assets25,118 28,307 31,997 
Total assets$50,969,332 $50,142,143 $46,738,450 
Liabilities and Shareholders’ Equity
Deposits:
Non-interest-bearing$13,855,844 $14,179,980 $12,796,110 
Interest-bearing28,737,482 27,915,605 26,008,506 
Total deposits42,593,326 42,095,585 38,804,616 
Federal Home Loan Bank advances1,166,071 1,241,071 1,241,071 
Other borrowings482,787 494,136 518,493 
Subordinated notes437,162 436,938 436,719 
Junior subordinated debentures253,566 253,566 253,566 
Accrued interest payable and other liabilities1,308,797 1,122,159 1,144,974 
Total liabilities46,241,709 45,643,455 42,399,439 
Shareholders’ Equity:
Preferred stock, no par value; 20,000,000 shares authorized:
Series D - $25 liquidation value; 5,000,000 shares issued and outstanding at June 30, 2022, December 31, 2021 and June 30, 2021
125,000 125,000 125,000 
Series E - $25,000 liquidation value; 11,500 shares issued and outstanding at June 30, 2022, December 31, 2021 and June 30, 2021
287,500 287,500 287,500 
Common stock, no par value; $1.00 stated value; 100,000,000 shares authorized at June 30, 2022, December 31, 2021 and June 30, 2021; 60,721,889 shares issued at June 30, 2022, 58,891,780 shares issued at December 31, 2021 and 58,770,304 shares issued at June 30, 2021
60,722 58,892 58,770 
Surplus1,880,913 1,685,572 1,669,002 
Treasury stock, at cost, no shares at June 30, 2022, 1,837,689 shares at December 31, 2021, and 1,703,627 shares at June 30, 2021
 (109,903)(100,363)
Retained earnings2,616,525 2,447,535 2,288,969 
Accumulated other comprehensive (loss) income(243,037)4,092 10,133 
Total shareholders’ equity4,727,623 4,498,688 4,339,011 
Total liabilities and shareholders’ equity$50,969,332 $50,142,143 $46,738,450 
See accompanying notes to unaudited consolidated financial statements.
1

WINTRUST FINANCIAL CORPORATION AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF INCOME (UNAUDITED)
Three Months EndedSix Months Ended
(In thousands, except per share data)June 30,
2022
June 30,
2021
June 30,
2022
June 30,
2021
Interest income
Interest and fees on loans$320,501 $284,701 $606,199 $558,801 
Mortgage loans held-for-sale5,740 8,183 11,827 17,219 
Interest-bearing deposits with banks5,790 1,153 7,477 2,352 
Federal funds sold and securities purchased under resale agreements1,364  1,795  
Investment securities36,541 23,623 68,939 42,887 
Trading account securities4 1 9 3 
Federal Home Loan Bank and Federal Reserve Bank stock1,823 1,769 3,595 3,514 
Brokerage customer receivables205 149 379 272 
Total interest income371,968 319,579 700,220 625,048 
Interest expense
Interest on deposits18,985 24,298 33,839 52,242 
Interest on Federal Home Loan Bank advances4,878 4,887 9,694 9,727 
Interest on other borrowings2,734 2,568 4,973 5,177 
Interest on subordinated notes5,517 5,512 10,999 10,989 
Interest on junior subordinated debentures2,050 2,724 3,617 5,428 
Total interest expense34,164 39,989 63,122 83,563 
Net interest income337,804 279,590 637,098 541,485 
Provision for credit losses20,417 (15,299)24,523 (60,646)
Net interest income after provision for credit losses317,387 294,889 612,575 602,131 
Non-interest income
Wealth management31,369 30,690 62,763 59,999 
Mortgage banking33,314 50,584 110,545 164,078 
Service charges on deposit accounts15,888 13,249 31,171 25,285 
(Losses) gains on investment securities, net(7,797)1,285 (10,579)2,439 
Fees from covered call options1,069 1,388 4,811 1,388 
Trading gains (losses), net176 (438)4,065 (19)
Operating lease income, net15,007 12,240 30,482 26,680 
Other13,916 20,375 32,474 36,029 
Total non-interest income102,942 129,373 265,732 315,879 
Non-interest expense
Salaries and employee benefits167,326 172,817 339,681 353,626 
Software and equipment24,250 20,866 47,060 41,778 
Operating lease equipment depreciation8,774 9,949 18,482 20,720 
Occupancy, net17,651 17,687 35,475 37,683 
Data processing8,010 6,920 15,515 12,968 
Advertising and marketing16,615 11,305 28,539 19,851 
Professional fees7,876 7,304 16,277 14,891 
Amortization of other acquisition-related intangible assets1,579 2,039 3,188 4,046 
FDIC insurance6,949 6,405 14,678 12,963 
Other real estate owned expense, net294 769 (738)518 
Other29,344 24,051 54,809 47,957 
Total non-interest expense288,668 280,112 572,966 567,001 
Income before taxes131,661 144,150 305,341 351,009 
Income tax expense37,148 39,041 83,437 92,752 
Net income$94,513 $105,109 $221,904 $258,257 
Preferred stock dividends6,991 6,991 13,982 13,982 
Net income applicable to common shares$87,522 $98,118 $207,922 $244,275 
Net income per common share—Basic$1.51 $1.72 $3.61 $4.29 
Net income per common share—Diluted$1.49 $1.70 $3.56 $4.24 
Cash dividends declared per common share$0.34 $0.31 $0.68 $0.62 
Weighted average common shares outstanding58,063 57,049 57,632 56,977 
Dilutive potential common shares775 726 823 691 
Average common shares and dilutive common shares58,838 57,775 58,455 57,668 
See accompanying notes to unaudited consolidated financial statements.
2

WINTRUST FINANCIAL CORPORATION AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF COMPREHENSIVE (LOSS) INCOME (UNAUDITED)
 
Three Months EndedSix Months Ended
(In thousands)June 30,
2022
June 30,
2021
June 30,
2022
June 30,
2021
Net income$94,513 $105,109 $221,904