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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 September 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, 60,765,273 shares, as of October 31, 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)September 30,
2022
December 31,
2021
September 30,
2021
Assets
Cash and due from banks$489,590 $411,150 $462,244 
Federal funds sold and securities purchased under resale agreements57 700,055 55 
Interest-bearing deposits with banks3,968,605 5,372,603 5,232,315 
Available-for-sale securities, at fair value2,923,653 2,327,793 2,373,478 
Held-to-maturity securities, at amortized cost, net of allowance for credit losses of $310, $78 and $83 at September 30, 2022, December 31, 2021 and September 30, 2021, respectively ($2.7 billion, $2.9 billion and $2.7 billion fair value at September 30, 2022, December 31, 2021 and September 30, 2021, respectively)
3,389,842 2,942,285 2,736,722 
Trading account securities179 1,061 1,103 
Equity securities with readily determinable fair value114,012 90,511 88,193 
Federal Home Loan Bank and Federal Reserve Bank stock178,156 135,378 135,408 
Brokerage customer receivables20,327 26,068 26,378 
Mortgage loans held-for-sale, at fair value376,160 817,912 925,312 
Loans, net of unearned income38,167,613 34,789,104 33,264,043 
Allowance for loan losses(246,110)(247,835)(248,612)
Net loans37,921,503 34,541,269 33,015,431 
Premises, software and equipment, net763,029 766,405 748,872 
Lease investments, net244,822 242,082 243,933 
Accrued interest receivable and other assets1,316,305 1,084,115 1,166,917 
Goodwill653,079 655,149 645,792 
Other acquisition-related intangible assets23,620 28,307 30,118 
Total assets$52,382,939 $50,142,143 $47,832,271 
Liabilities and Shareholders’ Equity
Deposits:
Non-interest-bearing$13,529,277 $14,179,980 $13,255,417 
Interest-bearing29,267,914 27,915,605 26,697,141 
Total deposits42,797,191 42,095,585 39,952,558 
Federal Home Loan Bank advances2,316,071 1,241,071 1,241,071 
Other borrowings447,215 494,136 504,527 
Subordinated notes437,260 436,938 436,811 
Junior subordinated debentures253,566 253,566 253,566 
Trade date securities payable  1,348 
Accrued interest payable and other liabilities1,493,656 1,122,159 1,032,073 
Total liabilities47,744,959 45,643,455 43,421,954 
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 September 30, 2022, December 31, 2021 and September 30, 2021
125,000 125,000 125,000 
Series E - $25,000 liquidation value; 11,500 shares issued and outstanding at September 30, 2022, December 31, 2021 and September 30, 2021
287,500 287,500 287,500 
Common stock, no par value; $1.00 stated value; 100,000,000 shares authorized at September 30, 2022, December 31, 2021 and September 30, 2021; 60,743,335 shares issued at September 30, 2022, 58,891,780 shares issued at December 31, 2021 and 58,793,715 shares issued at September 30, 2021
60,743 58,892 58,794 
Surplus1,891,621 1,685,572 1,674,062 
Treasury stock, at cost, no shares at September 30, 2022, 1,837,689 shares at December 31, 2021, and 1,837,689 shares at September 30, 2021
 (109,903)(109,903)
Retained earnings2,731,844 2,447,535 2,373,447 
Accumulated other comprehensive (loss) income (458,728)4,092 1,417 
Total shareholders’ equity4,637,980 4,498,688 4,410,317 
Total liabilities and shareholders’ equity$52,382,939 $50,142,143 $47,832,271 
See accompanying notes to unaudited consolidated financial statements.
1

WINTRUST FINANCIAL CORPORATION AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF INCOME (UNAUDITED)
Three Months EndedNine Months Ended
(In thousands, except per share data)September 30,
2022
September 30,
2021
September 30,
2022
September 30,
2021
Interest income
Interest and fees on loans$402,689 $285,587 $1,008,888 $844,388 
Mortgage loans held-for-sale5,371 7,716 17,198 24,935 
Interest-bearing deposits with banks15,621 2,000 23,098 4,352 
Federal funds sold and securities purchased under resale agreements1,845  3,640  
Investment securities38,569 25,189 107,508 68,076 
Trading account securities7 3 16 6 
Federal Home Loan Bank and Federal Reserve Bank stock2,109 1,777 5,704 5,291 
Brokerage customer receivables267 185 646 457 
Total interest income466,478 322,457 1,166,698 947,505 
Interest expense
Interest on deposits45,916 19,305 79,755 71,547 
Interest on Federal Home Loan Bank advances6,812 4,931 16,506 14,658 
Interest on other borrowings4,008 2,501 8,981 7,678 
Interest on subordinated notes5,485 5,480 16,484 16,469 
Interest on junior subordinated debentures2,809 2,744 6,426 8,172 
Total interest expense65,030 34,961 128,152 118,524 
Net interest income401,448 287,496 1,038,546 828,981 
Provision for credit losses6,420 (7,916)30,943 (68,562)
Net interest income after provision for credit losses395,028 295,412 1,007,603 897,543 
Non-interest income
Wealth management33,124 31,531 95,887 91,530 
Mortgage banking27,221 55,794 137,766 219,872 
Service charges on deposit accounts14,349 14,149 45,520 39,434 
(Losses) gains on investment securities, net(3,103)(2,431)(13,682)8 
Fees from covered call options1,366 1,157 6,177 2,545 
Trading (losses) gains, net(7)58 4,058 39 
Operating lease income, net12,644 12,807 43,126 39,487 
Other15,888 23,409 48,362 59,438 
Total non-interest income101,482 136,474 367,214 452,353 
Non-interest expense
Salaries and employee benefits176,095 170,912 515,776 524,538 
Software and equipment24,126 22,029 71,186 63,807 
Operating lease equipment depreciation9,448 10,013 27,930 30,733 
Occupancy, net17,727 18,158 53,202 55,841 
Data processing7,767 7,104 23,282 20,072 
Advertising and marketing16,600 13,443 45,139 33,294 
Professional fees7,544 7,052 23,821 21,943 
Amortization of other acquisition-related intangible assets1,492 1,877 4,680 5,923 
FDIC insurance7,186 6,750 21,864 19,713 
Other real estate owned expense, net229 (1,531)(509)(1,013)
Other28,255 26,337 83,064 74,294 
Total non-interest expense296,469 282,144 869,435 849,145 
Income before taxes200,041 149,742 505,382 500,751 
Income tax expense57,080 40,605 140,517 133,357 
Net income$142,961 $109,137 $364,865 $367,394 
Preferred stock dividends6,991 6,991 20,973 20,973 
Net income applicable to common shares$135,970 $102,146 $343,892 $346,421 
Net income per common share—Basic$2.24 $1.79 $5.86 $6.08 
Net income per common share—Diluted$2.21 $1.77 $5.78 $6.00 
Cash dividends declared per common share$0.34 $0.31 $1.02 $0.93 
Weighted average common shares outstanding60,738 57,000 58,679 56,985 
Dilutive potential common shares837 753 814 728 
Average common shares and dilutive common shares61,575 57,753 59,493 57,713 
See accompanying notes to unaudited consolidated financial statements.
2

WINTRUST FINANCIAL CORPORATION AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF COMPREHENSIVE (LOSS) INCOME (UNAUDITED)