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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) 
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, 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 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)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 agreements700,056 700,055 52 
Interest-bearing deposits with banks4,013,597 5,372,603 3,348,794 
Available-for-sale securities, at fair value2,998,898 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 securities852 1,061 951 
Equity securities with readily determinable fair value92,689 90,511 90,338 
Federal Home Loan Bank and Federal Reserve Bank stock136,163 135,378 135,881 
Brokerage customer receivables22,888 26,068 19,056 
Mortgage loans held-for-sale, at fair value606,545 817,912 1,260,193 
Loans, net of unearned income35,280,547 34,789,104 33,171,233 
Allowance for loan losses(250,539)(247,835)(277,709)
Net loans35,030,008 34,541,269 32,893,524 
Premises, software and equipment, net761,213 766,405 760,522 
Lease investments, net240,656 242,082 238,984 
Accrued interest receivable and other assets1,066,750 1,084,115 1,230,362 
Goodwill655,402 655,149 646,017 
Other acquisition-related intangible assets26,699 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-bearing28,470,404 27,915,605 25,575,315 
Total deposits42,219,322 42,095,585 37,872,652 
Federal Home Loan Bank advances1,241,071 1,241,071 1,228,436 
Other borrowings482,516 494,136 516,877 
Subordinated notes437,033 436,938 436,595 
Junior subordinated debentures253,566 253,566 253,566 
Trade date securities payable437  995 
Accrued interest payable and other liabilities1,124,460 1,122,159 1,120,570 
Total liabilities45,758,405 45,643,455 41,429,691 
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 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 
Surplus1,698,093 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 earnings2,548,474 2,447,535 2,208,535 
Accumulated other comprehensive (loss) income(115,999)4,092 10,104 
Total shareholders’ equity4,492,256 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.
1

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-sale6,087 9,036 
Interest-bearing deposits with banks1,687 1,199 
Federal funds sold and securities purchased under resale agreements431  
Investment securities32,398 19,264 
Trading account securities5 2 
Federal Home Loan Bank and Federal Reserve Bank stock1,772 1,745 
Brokerage customer receivables174 123 
Total interest income328,252 305,469 
Interest expense
Interest on deposits14,854 27,944 
Interest on Federal Home Loan Bank advances4,816 4,840 
Interest on other borrowings2,239 2,609 
Interest on subordinated notes5,482 5,477 
Interest on junior subordinated debentures1,567 2,704 
Total interest expense28,958 43,574 
Net interest income299,294 261,895 
Provision for credit losses4,106 (45,347)
Net interest income after provision for credit losses295,188 307,242 
Non-interest income
Wealth management31,394 29,309 
Mortgage banking77,231 113,494 
Service charges on deposit accounts15,283 12,036 
(Losses) gains on investment securities, net(2,782)1,154 
Fees from covered call options3,742  
Trading gains, net3,889 419 
Operating lease income, net15,475 14,440 
Other18,558 15,654 
Total non-interest income162,790 186,506 
Non-interest expense
Salaries and employee benefits172,355 180,809 
Software and equipment22,810 20,912 
Operating lease equipment depreciation9,708 10,771 
Occupancy, net17,824 19,996 
Data processing7,505 6,048 
Advertising and marketing11,924 8,546 
Professional fees8,401 7,587 
Amortization of other acquisition-related intangible assets1,609 2,007 
FDIC insurance7,729 6,558 
Other real estate owned expense, net(1,032)(251)
Other25,465 23,906 
Total non-interest expense284,298 286,889 
Income before taxes173,680 206,859 
Income tax expense46,289 53,711 
Net income$127,391 $153,148 
Preferred stock dividends6,991 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 outstanding57,196 56,904 
Dilutive potential common shares862 681 
Average common shares and dilutive common shares58,058 57,585 
See accompanying notes to unaudited consolidated financial statements.
2

WINTRUST FINANCIAL CORPORATION AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (UNAUDITED)
 
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 effect54,903 16,207 
Net of tax(151,114)(44,519)
Reclassification of net gains on available-for-sale securities included in net income
Before tax250 210 
Tax effect(67)(56)
Net of tax183 154 
Reclassification of amortization of unrealized gains on investment securities transferred to held-to-maturity from available-for-sale
Before tax42 57 
Tax effect(11)(15)
Net of tax31 42 
Net unrealized losses on available-for-sale securities(151,328)(44,715)
Unrealized gains on derivative instruments
Before tax39,481 50,792 
Tax effect(10,532)(13,535)
Net unrealized gains on derivative instruments28,949 37,257 
Foreign currency adjustment
Before tax2,842 2,734 
Tax effect(554)(554)
Net foreign currency adjustment2,288 2,180 
Total other comprehensive loss(120,091)(5,278)
Comprehensive income $7,300 $147,870 
See accompanying notes to unaudited consolidated financial statements.
3

WINTRUST FINANCIAL CORPORATION AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS’ EQUITY (UNAUDITED)
(In thousands, except per share data)Preferred
stock
Common
stock
SurplusTreasury
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 
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)
Stock-based compensation— — 2,862 — — — 2,862 
Common stock issued for:
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 
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)
Stock-based compensation  7,891    7,891 
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