wtfc-20220930000101532812/312022Q3false6031111P3YP1Y00010153282022-01-012022-09-300001015328us-gaap:CommonStockMember2022-01-012022-09-300001015328us-gaap:SeriesDPreferredStockMember2022-01-012022-09-300001015328wtfc:DepositarySharesSeriesEPreferredStockMember2022-01-012022-09-3000010153282022-10-31xbrli:shares00010153282022-09-30iso4217:USD00010153282021-12-3100010153282021-09-300001015328us-gaap:LoansAndFinanceReceivablesMember2022-09-300001015328us-gaap:LoansAndFinanceReceivablesMember2021-12-310001015328us-gaap:LoansAndFinanceReceivablesMember2021-09-300001015328us-gaap:SeriesDPreferredStockMember2021-12-31iso4217:USDxbrli:shares0001015328us-gaap:SeriesDPreferredStockMember2021-09-300001015328us-gaap:SeriesDPreferredStockMember2022-09-300001015328us-gaap:SeriesEPreferredStockMember2021-09-300001015328us-gaap:SeriesEPreferredStockMember2022-09-300001015328us-gaap:SeriesEPreferredStockMember2021-12-3100010153282022-07-012022-09-3000010153282021-07-012021-09-3000010153282021-01-012021-09-300001015328wtfc:WealthManagementMember2022-07-012022-09-300001015328wtfc:WealthManagementMember2021-07-012021-09-300001015328wtfc:WealthManagementMember2022-01-012022-09-300001015328wtfc:WealthManagementMember2021-01-012021-09-300001015328us-gaap:DepositAccountMember2022-07-012022-09-300001015328us-gaap:DepositAccountMember2021-07-012021-09-300001015328us-gaap:DepositAccountMember2022-01-012022-09-300001015328us-gaap:DepositAccountMember2021-01-012021-09-300001015328us-gaap:PreferredStockMember2021-06-300001015328us-gaap:CommonStockMember2021-06-300001015328us-gaap:AdditionalPaidInCapitalMember2021-06-300001015328us-gaap:TreasuryStockCommonMember2021-06-300001015328us-gaap:RetainedEarningsMember2021-06-300001015328us-gaap:AccumulatedOtherComprehensiveIncomeMember2021-06-3000010153282021-06-300001015328us-gaap:RetainedEarningsMember2021-07-012021-09-300001015328us-gaap:AccumulatedOtherComprehensiveIncomeMember2021-07-012021-09-300001015328us-gaap:SeriesDPreferredStockMember2021-07-012021-09-300001015328us-gaap:SeriesEPreferredStockMember2021-07-012021-09-300001015328us-gaap:TreasuryStockCommonMember2021-07-012021-09-300001015328us-gaap:AdditionalPaidInCapitalMember2021-07-012021-09-300001015328us-gaap:CommonStockMember2021-07-012021-09-300001015328us-gaap:PreferredStockMember2021-09-300001015328us-gaap:CommonStockMember2021-09-300001015328us-gaap:AdditionalPaidInCapitalMember2021-09-300001015328us-gaap:TreasuryStockCommonMember2021-09-300001015328us-gaap:RetainedEarningsMember2021-09-300001015328us-gaap:AccumulatedOtherComprehensiveIncomeMember2021-09-300001015328us-gaap:PreferredStockMember2020-12-310001015328us-gaap:CommonStockMember2020-12-310001015328us-gaap:AdditionalPaidInCapitalMember2020-12-310001015328us-gaap:TreasuryStockCommonMember2020-12-310001015328us-gaap:RetainedEarningsMember2020-12-310001015328us-gaap:AccumulatedOtherComprehensiveIncomeMember2020-12-3100010153282020-12-310001015328us-gaap:RetainedEarningsMember2021-01-012021-09-300001015328us-gaap:AccumulatedOtherComprehensiveIncomeMember2021-01-012021-09-300001015328us-gaap:SeriesDPreferredStockMember2021-01-012021-09-300001015328us-gaap:SeriesEPreferredStockMember2021-01-012021-09-300001015328us-gaap:TreasuryStockCommonMember2021-01-012021-09-300001015328us-gaap:AdditionalPaidInCapitalMember2021-01-012021-09-300001015328us-gaap:CommonStockMember2021-01-012021-09-300001015328us-gaap:PreferredStockMember2022-06-300001015328us-gaap:CommonStockMember2022-06-300001015328us-gaap:AdditionalPaidInCapitalMember2022-06-300001015328us-gaap:TreasuryStockCommonMember2022-06-300001015328us-gaap:RetainedEarningsMember2022-06-300001015328us-gaap:AccumulatedOtherComprehensiveIncomeMember2022-06-3000010153282022-06-300001015328us-gaap:RetainedEarningsMember2022-07-012022-09-300001015328us-gaap:AccumulatedOtherComprehensiveIncomeMember2022-07-012022-09-300001015328us-gaap:SeriesDPreferredStockMember2022-07-012022-09-300001015328us-gaap:SeriesEPreferredStockMember2022-07-012022-09-300001015328us-gaap:AdditionalPaidInCapitalMember2022-07-012022-09-300001015328us-gaap:CommonStockMember2022-07-012022-09-300001015328us-gaap:PreferredStockMember2022-09-300001015328us-gaap:CommonStockMember2022-09-300001015328us-gaap:AdditionalPaidInCapitalMember2022-09-300001015328us-gaap:TreasuryStockCommonMember2022-09-300001015328us-gaap:RetainedEarningsMember2022-09-300001015328us-gaap:AccumulatedOtherComprehensiveIncomeMember2022-09-300001015328us-gaap:PreferredStockMember2021-12-310001015328us-gaap:CommonStockMember2021-12-310001015328us-gaap:AdditionalPaidInCapitalMember2021-12-310001015328us-gaap:TreasuryStockCommonMember2021-12-310001015328us-gaap:RetainedEarningsMember2021-12-310001015328us-gaap:AccumulatedOtherComprehensiveIncomeMember2021-12-310001015328us-gaap:RetainedEarningsMember2022-01-012022-09-300001015328us-gaap:AccumulatedOtherComprehensiveIncomeMember2022-01-012022-09-300001015328us-gaap:SeriesEPreferredStockMember2022-01-012022-09-300001015328us-gaap:AdditionalPaidInCapitalMember2022-01-012022-09-300001015328us-gaap:CommonStockMember2022-01-012022-09-300001015328us-gaap:TreasuryStockCommonMember2022-01-012022-09-300001015328wtfc:AllstateCorporationLoanPortfolioMember2021-11-152021-11-15wtfc:loan0001015328us-gaap:USTreasurySecuritiesMember2022-09-300001015328us-gaap:USGovernmentAgenciesDebtSecuritiesMember2022-09-300001015328us-gaap:MunicipalBondsMember2022-09-300001015328wtfc:CorporateFinancialDebtSecuritiesMember2022-09-300001015328wtfc:CorporateOtherDebtSecuritiesMember2022-09-300001015328us-gaap:ResidentialMortgageBackedSecuritiesMember2022-09-300001015328us-gaap:CollateralizedMortgageObligationsMember2022-09-300001015328us-gaap:CorporateAndOtherMember2022-09-300001015328wtfc:ResidentialMortgageBackedSecuritiesSubprimeMember2022-09-300001015328us-gaap:USTreasurySecuritiesMember2021-12-310001015328us-gaap:USGovernmentAgenciesDebtSecuritiesMember2021-12-310001015328us-gaap:MunicipalBondsMember2021-12-310001015328wtfc:CorporateFinancialDebtSecuritiesMember2021-12-310001015328wtfc:CorporateOtherDebtSecuritiesMember2021-12-310001015328us-gaap:ResidentialMortgageBackedSecuritiesMember2021-12-310001015328us-gaap:CollateralizedMortgageObligationsMember2021-12-310001015328us-gaap:CorporateAndOtherMember2021-12-310001015328wtfc:ResidentialMortgageBackedSecuritiesSubprimeMember2021-12-310001015328us-gaap:USTreasurySecuritiesMember2021-09-300001015328us-gaap:USGovernmentAgenciesDebtSecuritiesMember2021-09-300001015328us-gaap:MunicipalBondsMember2021-09-300001015328wtfc:CorporateFinancialDebtSecuritiesMember2021-09-300001015328wtfc:CorporateOtherDebtSecuritiesMember2021-09-300001015328us-gaap:ResidentialMortgageBackedSecuritiesMember2021-09-300001015328us-gaap:CollateralizedMortgageObligationsMember2021-09-300001015328us-gaap:CorporateAndOtherMember2021-09-300001015328wtfc:ResidentialMortgageBackedSecuritiesSubprimeMember2021-09-300001015328us-gaap:AssetBackedSecuritiesMember2022-09-300001015328us-gaap:AssetBackedSecuritiesMember2021-12-310001015328us-gaap:AssetBackedSecuritiesMember2021-09-30wtfc:security0001015328us-gaap:CommercialPortfolioSegmentMember2022-09-300001015328us-gaap:CommercialPortfolioSegmentMember2021-12-310001015328us-gaap:CommercialPortfolioSegmentMember2021-09-300001015328us-gaap:CommercialRealEstatePortfolioSegmentMember2022-09-300001015328us-gaap:CommercialRealEstatePortfolioSegmentMember2021-12-310001015328us-gaap:CommercialRealEstatePortfolioSegmentMember2021-09-300001015328wtfc:HomeEquityPortfolioSegmentMember2022-09-300001015328wtfc:HomeEquityPortfolioSegmentMember2021-12-310001015328wtfc:HomeEquityPortfolioSegmentMember2021-09-300001015328us-gaap:ResidentialPortfolioSegmentMember2022-09-300001015328us-gaap:ResidentialPortfolioSegmentMember2021-12-310001015328us-gaap:ResidentialPortfolioSegmentMember2021-09-300001015328wtfc:PremiumFinanceReceivablePortfolioSegmentMemberwtfc:PropertyAndCasualtyInsuranceLoansMember2022-09-300001015328wtfc:PremiumFinanceReceivablePortfolioSegmentMemberwtfc:PropertyAndCasualtyInsuranceLoansMember2021-12-310001015328wtfc:PremiumFinanceReceivablePortfolioSegmentMemberwtfc:PropertyAndCasualtyInsuranceLoansMember2021-09-300001015328wtfc:PremiumFinanceReceivablePortfolioSegmentMemberwtfc:PremiumFinanceReceivablesLifeInsuranceMember2022-09-300001015328wtfc:PremiumFinanceReceivablePortfolioSegmentMemberwtfc:PremiumFinanceReceivablesLifeInsuranceMember2021-12-310001015328wtfc:PremiumFinanceReceivablePortfolioSegmentMemberwtfc:PremiumFinanceReceivablesLifeInsuranceMember2021-09-300001015328us-gaap:ConsumerPortfolioSegmentMember2022-09-300001015328us-gaap:ConsumerPortfolioSegmentMember2021-12-310001015328us-gaap:ConsumerPortfolioSegmentMember2021-09-30xbrli:pure0001015328wtfc:PaycheckProtectionProgramLoansMemberus-gaap:CommercialPortfolioSegmentMember2022-09-300001015328wtfc:PremiumFinanceReceivablePortfolioSegmentMember2022-09-300001015328wtfc:PremiumFinanceReceivablePortfolioSegmentMember2021-12-310001015328wtfc:PremiumFinanceReceivablePortfolioSegmentMember2021-09-300001015328wtfc:AllstateCorporationLoanPortfolioMember2021-11-150001015328wtfc:CommercialIndustrialAndOtherPortfolioSegmentMemberus-gaap:CommercialPortfolioSegmentMember2022-09-300001015328wtfc:CommercialIndustrialAndOtherPortfolioSegmentMemberus-gaap:CommercialPortfolioSegmentMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2022-09-300001015328wtfc:CommercialIndustrialAndOtherPortfolioSegmentMemberus-gaap:CommercialPortfolioSegmentMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2022-09-300001015328us-gaap:FinancialAssetNotPastDueMemberwtfc:CommercialIndustrialAndOtherPortfolioSegmentMemberus-gaap:CommercialPortfolioSegmentMember2022-09-300001015328wtfc:PaycheckProtectionProgramLoansMemberus-gaap:CommercialPortfolioSegmentMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2022-09-300001015328wtfc:PaycheckProtectionProgramLoansMemberus-gaap:CommercialPortfolioSegmentMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2022-09-300001015328wtfc:PaycheckProtectionProgramLoansMemberus-gaap:FinancialAssetNotPastDueMemberus-gaap:CommercialPortfolioSegmentMember2022-09-300001015328us-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:ConstructionLoansMember2022-09-300001015328us-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:ConstructionLoansMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2022-09-300001015328us-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:FinancingReceivables30To59DaysPastDueMemberus-gaap:ConstructionLoansMember2022-09-300001015328us-gaap:FinancialAssetNotPastDueMemberus-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:ConstructionLoansMember2022-09-300001015328us-gaap:CommercialRealEstatePortfolioSegmentMemberwtfc:NonConstructionLoansMember2022-09-300001015328us-gaap:CommercialRealEstatePortfolioSegmentMemberwtfc:NonConstructionLoansMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2022-09-300001015328us-gaap:CommercialRealEstatePortfolioSegmentMemberwtfc:NonConstructionLoansMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2022-09-300001015328us-gaap:FinancialAssetNotPastDueMemberus-gaap:CommercialRealEstatePortfolioSegmentMemberwtfc:NonConstructionLoansMember2022-09-300001015328wtfc:HomeEquityPortfolioSegmentMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2022-09-300001015328wtfc:HomeEquityPortfolioSegmentMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2022-09-300001015328us-gaap:FinancialAssetNotPastDueMemberwtfc:HomeEquityPortfolioSegmentMember2022-09-300001015328us-gaap:ResidentialPortfolioSegmentMemberwtfc:ResidentialRealEstateLoansExcludingEarlyBuyOutLoansMember2022-09-300001015328us-gaap:ResidentialPortfolioSegmentMemberwtfc:ResidentialRealEstateLoansExcludingEarlyBuyOutLoansMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2022-09-300001015328us-gaap:ResidentialPortfolioSegmentMemberus-gaap:FinancingReceivables30To59DaysPastDueMemberwtfc:ResidentialRealEstateLoansExcludingEarlyBuyOutLoansMember2022-09-300001015328us-gaap:FinancialAssetNotPastDueMemberus-gaap:ResidentialPortfolioSegmentMemberwtfc:ResidentialRealEstateLoansExcludingEarlyBuyOutLoansMember2022-09-300001015328wtfc:PremiumFinanceReceivablePortfolioSegmentMemberwtfc:PropertyAndCasualtyInsuranceLoansMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2022-09-300001015328wtfc:PremiumFinanceReceivablePortfolioSegmentMemberus-gaap:FinancingReceivables30To59DaysPastDueMemberwtfc:PropertyAndCasualtyInsuranceLoansMember2022-09-300001015328us-gaap:FinancialAssetNotPastDueMemberwtfc:PremiumFinanceReceivablePortfolioSegmentMemberwtfc:PropertyAndCasualtyInsuranceLoansMember2022-09-300001015328wtfc:LifeInsuranceLoansMemberwtfc:PremiumFinanceReceivablePortfolioSegmentMember2022-09-300001015328wtfc:LifeInsuranceLoansMemberwtfc:PremiumFinanceReceivablePortfolioSegmentMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2022-09-300001015328wtfc:LifeInsuranceLoansMemberwtfc:PremiumFinanceReceivablePortfolioSegmentMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2022-09-300001015328us-gaap:FinancialAssetNotPastDueMemberwtfc:LifeInsuranceLoansMemberwtfc:PremiumFinanceReceivablePortfolioSegmentMember2022-09-300001015328wtfc:ConsumerAndOtherPortfolioSegmentMember2022-09-300001015328wtfc:ConsumerAndOtherPortfolioSegmentMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2022-09-300001015328wtfc:ConsumerAndOtherPortfolioSegmentMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2022-09-300001015328us-gaap:FinancialAssetNotPastDueMemberwtfc:ConsumerAndOtherPortfolioSegmentMember2022-09-300001015328wtfc:TotalFinancingReceivablePortfolioSegmentExcludingEarlyBuyOutLoansMember2022-09-300001015328wtfc:TotalFinancingReceivablePortfolioSegmentExcludingEarlyBuyOutLoansMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2022-09-300001015328wtfc:TotalFinancingReceivablePortfolioSegmentExcludingEarlyBuyOutLoansMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2022-09-300001015328wtfc:TotalFinancingReceivablePortfolioSegmentExcludingEarlyBuyOutLoansMemberus-gaap:FinancialAssetNotPastDueMember2022-09-300001015328wtfc:EarlyBuyOutLoansMember2022-09-300001015328wtfc:EarlyBuyOutLoansMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2022-09-300001015328us-gaap:FinancingReceivables30To59DaysPastDueMemberwtfc:EarlyBuyOutLoansMember2022-09-300001015328us-gaap:FinancialAssetNotPastDueMemberwtfc:EarlyBuyOutLoansMember2022-09-300001015328us-gaap:FinancingReceivables60To89DaysPastDueMember2022-09-300001015328us-gaap:FinancingReceivables30To59DaysPastDueMember2022-09-300001015328us-gaap:FinancialAssetNotPastDueMember2022-09-300001015328wtfc:CommercialIndustrialAndOtherPortfolioSegmentMemberus-gaap:CommercialPortfolioSegmentMember2021-12-310001015328wtfc:CommercialIndustrialAndOtherPortfolioSegmentMemberus-gaap:CommercialPortfolioSegmentMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2021-12-310001015328wtfc:CommercialIndustrialAndOtherPortfolioSegmentMemberus-gaap:CommercialPortfolioSegmentMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2021-12-310001015328us-gaap:FinancialAssetNotPastDueMemberwtfc:CommercialIndustrialAndOtherPortfolioSegmentMemberus-gaap:CommercialPortfolioSegmentMember2021-12-310001015328wtfc:PaycheckProtectionProgramLoansMemberus-gaap:CommercialPortfolioSegmentMember2021-12-310001015328wtfc:PaycheckProtectionProgramLoansMemberus-gaap:CommercialPortfolioSegmentMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2021-12-310001015328wtfc:PaycheckProtectionProgramLoansMemberus-gaap:CommercialPortfolioSegmentMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2021-12-310001015328wtfc:PaycheckProtectionProgramLoansMemberus-gaap:FinancialAssetNotPastDueMemberus-gaap:CommercialPortfolioSegmentMember2021-12-310001015328us-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:ConstructionLoansMember2021-12-310001015328us-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:ConstructionLoansMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2021-12-310001015328us-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:FinancingReceivables30To59DaysPastDueMemberus-gaap:ConstructionLoansMember2021-12-310001015328us-gaap:FinancialAssetNotPastDueMemberus-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:ConstructionLoansMember2021-12-310001015328us-gaap:CommercialRealEstatePortfolioSegmentMemberwtfc:NonConstructionLoansMember2021-12-310001015328us-gaap:CommercialRealEstatePortfolioSegmentMemberwtfc:NonConstructionLoansMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2021-12-310001015328us-gaap:CommercialRealEstatePortfolioSegmentMemberwtfc:NonConstructionLoansMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2021-12-310001015328us-gaap:FinancialAssetNotPastDueMemberus-gaap:CommercialRealEstatePortfolioSegmentMemberwtfc:NonConstructionLoansMember2021-12-310001015328wtfc:HomeEquityPortfolioSegmentMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2021-12-310001015328wtfc:HomeEquityPortfolioSegmentMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2021-12-310001015328us-gaap:FinancialAssetNotPastDueMemberwtfc:HomeEquityPortfolioSegmentMember2021-12-310001015328us-gaap:ResidentialPortfolioSegmentMemberwtfc:ResidentialRealEstateLoansExcludingEarlyBuyOutLoansMember2021-12-310001015328us-gaap:ResidentialPortfolioSegmentMemberwtfc:ResidentialRealEstateLoansExcludingEarlyBuyOutLoansMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2021-12-310001015328us-gaap:ResidentialPortfolioSegmentMemberus-gaap:FinancingReceivables30To59DaysPastDueMemberwtfc:ResidentialRealEstateLoansExcludingEarlyBuyOutLoansMember2021-12-310001015328us-gaap:FinancialAssetNotPastDueMemberus-gaap:ResidentialPortfolioSegmentMemberwtfc:ResidentialRealEstateLoansExcludingEarlyBuyOutLoansMember2021-12-310001015328wtfc:PremiumFinanceReceivablePortfolioSegmentMemberwtfc:PropertyAndCasualtyInsuranceLoansMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2021-12-310001015328wtfc:PremiumFinanceReceivablePortfolioSegmentMemberus-gaap:FinancingReceivables30To59DaysPastDueMemberwtfc:PropertyAndCasualtyInsuranceLoansMember2021-12-310001015328us-gaap:FinancialAssetNotPastDueMemberwtfc:PremiumFinanceReceivablePortfolioSegmentMemberwtfc:PropertyAndCasualtyInsuranceLoansMember2021-12-310001015328wtfc:LifeInsuranceLoansMemberwtfc:PremiumFinanceReceivablePortfolioSegmentMember2021-12-310001015328wtfc:LifeInsuranceLoansMemberwtfc:PremiumFinanceReceivablePortfolioSegmentMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2021-12-310001015328wtfc:LifeInsuranceLoansMemberwtfc:PremiumFinanceReceivablePortfolioSegmentMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2021-12-310001015328us-gaap:FinancialAssetNotPastDueMemberwtfc:LifeInsuranceLoansMemberwtfc:PremiumFinanceReceivablePortfolioSegmentMember2021-12-310001015328wtfc:ConsumerAndOtherPortfolioSegmentMember2021-12-310001015328wtfc:ConsumerAndOtherPortfolioSegmentMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2021-12-310001015328wtfc:ConsumerAndOtherPortfolioSegmentMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2021-12-310001015328us-gaap:FinancialAssetNotPastDueMemberwtfc:ConsumerAndOtherPortfolioSegmentMember2021-12-310001015328wtfc:TotalFinancingReceivablePortfolioSegmentExcludingEarlyBuyOutLoansMember2021-12-310001015328wtfc:TotalFinancingReceivablePortfolioSegmentExcludingEarlyBuyOutLoansMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2021-12-310001015328wtfc:TotalFinancingReceivablePortfolioSegmentExcludingEarlyBuyOutLoansMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2021-12-310001015328wtfc:TotalFinancingReceivablePortfolioSegmentExcludingEarlyBuyOutLoansMemberus-gaap:FinancialAssetNotPastDueMember2021-12-310001015328wtfc:EarlyBuyOutLoansMember2021-12-310001015328wtfc:EarlyBuyOutLoansMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2021-12-310001015328us-gaap:FinancingReceivables30To59DaysPastDueMemberwtfc:EarlyBuyOutLoansMember2021-12-310001015328us-gaap:FinancialAssetNotPastDueMemberwtfc:EarlyBuyOutLoansMember2021-12-310001015328us-gaap:FinancingReceivables60To89DaysPastDueMember2021-12-310001015328us-gaap:FinancingReceivables30To59DaysPastDueMember2021-12-310001015328us-gaap:FinancialAssetNotPastDueMember2021-12-310001015328wtfc:CommercialIndustrialAndOtherPortfolioSegmentMemberus-gaap:CommercialPortfolioSegmentMember2021-09-300001015328wtfc:CommercialIndustrialAndOtherPortfolioSegmentMemberus-gaap:CommercialPortfolioSegmentMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2021-09-300001015328wtfc:CommercialIndustrialAndOtherPortfolioSegmentMemberus-gaap:CommercialPortfolioSegmentMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2021-09-300001015328us-gaap:FinancialAssetNotPastDueMemberwtfc:CommercialIndustrialAndOtherPortfolioSegmentMemberus-gaap:CommercialPortfolioSegmentMember2021-09-300001015328wtfc:PaycheckProtectionProgramLoansMemberus-gaap:CommercialPortfolioSegmentMember2021-09-300001015328wtfc:PaycheckProtectionProgramLoansMemberus-gaap:CommercialPortfolioSegmentMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2021-09-300001015328wtfc:PaycheckProtectionProgramLoansMemberus-gaap:CommercialPortfolioSegmentMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2021-09-300001015328wtfc:PaycheckProtectionProgramLoansMemberus-gaap:FinancialAssetNotPastDueMemberus-gaap:CommercialPortfolioSegmentMember2021-09-300001015328us-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:ConstructionLoansMember2021-09-300001015328us-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:ConstructionLoansMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2021-09-300001015328us-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:FinancingReceivables30To59DaysPastDueMemberus-gaap:ConstructionLoansMember2021-09-300001015328us-gaap:FinancialAssetNotPastDueMemberus-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:ConstructionLoansMember2021-09-300001015328us-gaap:CommercialRealEstatePortfolioSegmentMemberwtfc:NonConstructionLoansMember2021-09-300001015328us-gaap:CommercialRealEstatePortfolioSegmentMemberwtfc:NonConstructionLoansMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2021-09-300001015328us-gaap:CommercialRealEstatePortfolioSegmentMemberwtfc:NonConstructionLoansMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2021-09-300001015328us-gaap:FinancialAssetNotPastDueMemberus-gaap:CommercialRealEstatePortfolioSegmentMemberwtfc:NonConstructionLoansMember2021-09-300001015328wtfc:HomeEquityPortfolioSegmentMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2021-09-300001015328wtfc:HomeEquityPortfolioSegmentMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2021-09-300001015328us-gaap:FinancialAssetNotPastDueMemberwtfc:HomeEquityPortfolioSegmentMember2021-09-300001015328wtfc:EarlyBuyOutLoansMember2021-09-300001015328wtfc:EarlyBuyOutLoansMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2021-09-300001015328us-gaap:FinancingReceivables30To59DaysPastDueMemberwtfc:EarlyBuyOutLoansMember2021-09-300001015328us-gaap:FinancialAssetNotPastDueMemberwtfc:EarlyBuyOutLoansMember2021-09-300001015328wtfc:PremiumFinanceReceivablePortfolioSegmentMemberwtfc:PropertyAndCasualtyInsuranceLoansMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2021-09-300001015328wtfc:PremiumFinanceReceivablePortfolioSegmentMemberus-gaap:FinancingReceivables30To59DaysPastDueMemberwtfc:PropertyAndCasualtyInsuranceLoansMember2021-09-300001015328us-gaap:FinancialAssetNotPastDueMemberwtfc:PremiumFinanceReceivablePortfolioSegmentMemberwtfc:PropertyAndCasualtyInsuranceLoansMember2021-09-300001015328wtfc:LifeInsuranceLoansMemberwtfc:PremiumFinanceReceivablePortfolioSegmentMember2021-09-300001015328wtfc:LifeInsuranceLoansMemberwtfc:PremiumFinanceReceivablePortfolioSegmentMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2021-09-300001015328wtfc:LifeInsuranceLoansMemberwtfc:PremiumFinanceReceivablePortfolioSegmentMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2021-09-300001015328us-gaap:FinancialAssetNotPastDueMemberwtfc:LifeInsuranceLoansMemberwtfc:PremiumFinanceReceivablePortfolioSegmentMember2021-09-300001015328wtfc:ConsumerAndOtherPortfolioSegmentMember2021-09-300001015328wtfc:ConsumerAndOtherPortfolioSegmentMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2021-09-300001015328wtfc:ConsumerAndOtherPortfolioSegmentMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2021-09-300001015328us-gaap:FinancialAssetNotPastDueMemberwtfc:ConsumerAndOtherPortfolioSegmentMember2021-09-300001015328wtfc:TotalFinancingReceivablePortfolioSegmentExcludingEarlyBuyOutLoansMember2021-09-300001015328wtfc:TotalFinancingReceivablePortfolioSegmentExcludingEarlyBuyOutLoansMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2021-09-300001015328wtfc:TotalFinancingReceivablePortfolioSegmentExcludingEarlyBuyOutLoansMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2021-09-300001015328wtfc:TotalFinancingReceivablePortfolioSegmentExcludingEarlyBuyOutLoansMemberus-gaap:FinancialAssetNotPastDueMember2021-09-300001015328us-gaap:ResidentialPortfolioSegmentMemberwtfc:ResidentialRealEstateLoansExcludingEarlyBuyOutLoansMember2021-09-300001015328us-gaap:ResidentialPortfolioSegmentMemberwtfc:ResidentialRealEstateLoansExcludingEarlyBuyOutLoansMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2021-09-300001015328us-gaap:ResidentialPortfolioSegmentMemberus-gaap:FinancingReceivables30To59DaysPastDueMemberwtfc:ResidentialRealEstateLoansExcludingEarlyBuyOutLoansMember2021-09-300001015328us-gaap:FinancialAssetNotPastDueMemberus-gaap:ResidentialPortfolioSegmentMemberwtfc:ResidentialRealEstateLoansExcludingEarlyBuyOutLoansMember2021-09-300001015328us-gaap:FinancingReceivables60To89DaysPastDueMember2021-09-300001015328us-gaap:FinancingReceivables30To59DaysPastDueMember2021-09-300001015328us-gaap:FinancialAssetNotPastDueMember2021-09-300001015328us-gaap:PassMemberwtfc:CommercialIndustrialAndOtherPortfolioSegmentMember2022-09-300001015328us-gaap:SpecialMentionMemberwtfc:CommercialIndustrialAndOtherPortfolioSegmentMember2022-09-300001015328us-gaap:SubstandardMemberwtfc:CommercialIndustrialAndOtherPortfolioSegmentMember2022-09-300001015328us-gaap:DoubtfulMemberwtfc:CommercialIndustrialAndOtherPortfolioSegmentMember2022-09-300001015328wtfc:CommercialIndustrialAndOtherPortfolioSegmentMember2022-09-300001015328wtfc:PaycheckProtectionProgramLoansMemberus-gaap:PassMember2022-09-300001015328us-gaap:SpecialMentionMemberwtfc:PaycheckProtectionProgramLoansMember2022-09-300001015328wtfc:PaycheckProtectionProgramLoansMemberus-gaap:SubstandardMember2022-09-300001015328wtfc:PaycheckProtectionProgramLoansMemberus-gaap:DoubtfulMember2022-09-300001015328wtfc:PaycheckProtectionProgramLoansMember2022-09-300001015328wtfc:ConstructionAndDevelopmentPortfolioSegmentMemberus-gaap:PassMember2022-09-300001015328us-gaap:SpecialMentionMemberwtfc:ConstructionAndDevelopmentPortfolioSegmentMember2022-09-300001015328wtfc:ConstructionAndDevelopmentPortfolioSegmentMemberus-gaap:SubstandardMember2022-09-300001015328wtfc:ConstructionAndDevelopmentPortfolioSegmentMemberus-gaap:DoubtfulMember2022-09-300001015328wtfc:ConstructionAndDevelopmentPortfolioSegmentMember2022-09-300001015328wtfc:NonConstructionPortfolioSegmentMemberus-gaap:PassMember2022-09-300001015328us-gaap:SpecialMentionMemberwtfc:NonConstructionPortfolioSegmentMember2022-09-300001015328wtfc:NonConstructionPortfolioSegmentMemberus-gaap:SubstandardMember2022-09-300001015328wtfc:NonConstructionPortfolioSegmentMemberus-gaap:DoubtfulMember2022-09-300001015328wtfc:NonConstructionPortfolioSegmentMember2022-09-300001015328us-gaap:PassMemberwtfc:HomeEquityPortfolioSegmentMember2022-09-300001015328us-gaap:SpecialMentionMemberwtfc:HomeEquityPortfolioSegmentMember2022-09-300001015328wtfc:HomeEquityPortfolioSegmentMemberus-gaap:SubstandardMember2022-09-300001015328wtfc:HomeEquityPortfolioSegmentMemberus-gaap:DoubtfulMember2022-09-300001015328wtfc:EarlyBuyOutLoansMemberus-gaap:ResidentialPortfolioSegmentMember2022-09-300001015328us-gaap:ResidentialPortfolioSegmentMemberus-gaap:PassMember2022-09-300001015328us-gaap:SpecialMentionMemberus-gaap:ResidentialPortfolioSegmentMember2022-09-300001015328us-gaap:ResidentialPortfolioSegmentMemberus-gaap:SubstandardMember2022-09-300001015328us-gaap:ResidentialPortfolioSegmentMemberus-gaap:DoubtfulMember2022-09-300001015328us-gaap:PassMemberwtfc:PremiumPropertyAndCasualtyInsurancePortfolioSegmentMember2022-09-300001015328us-gaap:SpecialMentionMemberwtfc:PremiumPropertyAndCasualtyInsurancePortfolioSegmentMember2022-09-300001015328us-gaap:SubstandardMemberwtfc:PremiumPropertyAndCasualtyInsurancePortfolioSegmentMember2022-09-300001015328wtfc:PremiumPropertyAndCasualtyInsurancePortfolioSegmentMemberus-gaap:DoubtfulMember2022-09-300001015328wtfc:PremiumPropertyAndCasualtyInsurancePortfolioSegmentMember2022-09-300001015328us-gaap:PassMemberwtfc:PremiumLifeInsurancePortfolioSegmentMember2022-09-300001015328us-gaap:SpecialMentionMemberwtfc:PremiumLifeInsurancePortfolioSegmentMember2022-09-300001015328wtfc:PremiumLifeInsurancePortfolioSegmentMemberus-gaap:SubstandardMember2022-09-300001015328wtfc:PremiumLifeInsurancePortfolioSegmentMemberus-gaap:DoubtfulMember2022-09-300001015328wtfc:PremiumLifeInsurancePortfolioSegmentMember2022-09-300001015328wtfc:ConsumerAndOtherPortfolioSegmentMemberus-gaap:PassMember2022-09-300001015328us-gaap:SpecialMentionMemberwtfc:ConsumerAndOtherPortfolioSegmentMember2022-09-300001015328wtfc:ConsumerAndOtherPortfolioSegmentMemberus-gaap:SubstandardMember2022-09-300001015328wtfc:ConsumerAndOtherPortfolioSegmentMemberus-gaap:DoubtfulMember2022-09-300001015328wtfc:EarlyBuyOutLoansMember2022-09-300001015328us-gaap:PassMember2022-09-300001015328us-gaap:SpecialMentionMember2022-09-300001015328us-gaap:SubstandardMember2022-09-300001015328us-gaap:DoubtfulMember2022-09-300001015328us-gaap:USGovernmentAgenciesDebtSecuritiesMemberwtfc:InternalInvestmentGrade1To4Member2022-09-300001015328wtfc:InternalInvestmentGrade5To7Memberus-gaap:USGovernmentAgenciesDebtSecuritiesMember2022-09-300001015328us-gaap:USGovernmentAgenciesDebtSecuritiesMemberwtfc:InternalInvestmentGrade8To10Member2022-09-300001015328us-gaap:MunicipalBondsMemberwtfc:InternalInvestmentGrade1To4Member2022-09-300001015328wtfc:InternalInvestmentGrade5To7Memberus-gaap:MunicipalBondsMember2022-09-300001015328us-gaap:MunicipalBondsMemberwtfc:InternalInvestmentGrade8To10Member2022-09-300001015328us-gaap:MortgageBackedSecuritiesMemberwtfc:InternalInvestmentGrade1To4Member2022-09-300001015328wtfc:InternalInvestmentGrade5To7Memberus-gaap:MortgageBackedSecuritiesMember2022-09-300001015328us-gaap:MortgageBackedSecuritiesMemberwtfc:InternalInvestmentGrade8To10Member2022-09-300001015328us-gaap:MortgageBackedSecuritiesMember2022-09-300001015328us-gaap:CorporateNoteSecuritiesMemberwtfc:InternalInvestmentGrade1To4Member2022-09-300001015328us-gaap:CorporateNoteSecuritiesMemberwtfc:InternalInvestmentGrade5To7Member2022-09-300001015328us-gaap:CorporateNoteSecuritiesMemberwtfc:InternalInvestmentGrade8To10Member2022-09-300001015328us-gaap:CorporateNoteSecuritiesMember2022-09-300001015328us-gaap:UnfundedLoanCommitmentMember2022-09-300001015328us-gaap:UnfundedLoanCommitmentMember2021-12-310001015328us-gaap:UnfundedLoanCommitmentMember2021-09-300001015328wtfc:LoansAndFinanceReceivablesAndUnfundedLoanCommitmentMember2022-09-300001015328wtfc:LoansAndFinanceReceivablesAndUnfundedLoanCommitmentMember2021-12-310001015328wtfc:LoansAndFinanceReceivablesAndUnfundedLoanCommitmentMember2021-09-300001015328us-gaap:CommercialPortfolioSegmentMember2022-06-300001015328us-gaap:CommercialRealEstatePortfolioSegmentMember2022-06-300001015328wtfc:HomeEquityPortfolioSegmentMember2022-06-300001015328us-gaap:ResidentialPortfolioSegmentMember2022-06-300001015328wtfc:PremiumFinanceReceivablePortfolioSegmentMember2022-06-300001015328wtfc:ConsumerAndOtherPortfolioSegmentMember2022-06-300001015328us-gaap:CommercialPortfolioSegmentMember2022-07-012022-09-300001015328us-gaap:CommercialRealEstatePortfolioSegmentMember2022-07-012022-09-300001015328wtfc:HomeEquityPortfolioSegmentMember2022-07-012022-09-300001015328us-gaap:ResidentialPortfolioSegmentMember2022-07-012022-09-300001015328wtfc:PremiumFinanceReceivablePortfolioSegmentMember2022-07-012022-09-300001015328wtfc:ConsumerAndOtherPortfolioSegmentMember2022-07-012022-09-300001015328us-gaap:CommercialPortfolioSegmentMember2021-06-300001015328us-gaap:CommercialRealEstatePortfolioSegmentMember2021-06-300001015328wtfc:HomeEquityPortfolioSegmentMember2021-06-300001015328us-gaap:ResidentialPortfolioSegmentMember2021-06-300001015328wtfc:PremiumFinanceReceivablePortfolioSegmentMember2021-06-300001015328wtfc:ConsumerAndOtherPortfolioSegmentMember2021-06-300001015328us-gaap:CommercialPortfolioSegmentMember2021-07-012021-09-300001015328us-gaap:CommercialRealEstatePortfolioSegmentMember2021-07-012021-09-300001015328wtfc:HomeEquityPortfolioSegmentMember2021-07-012021-09-300001015328us-gaap:ResidentialPortfolioSegmentMember2021-07-012021-09-300001015328wtfc:PremiumFinanceReceivablePortfolioSegmentMember2021-07-012021-09-300001015328wtfc:ConsumerAndOtherPortfolioSegmentMember2021-07-012021-09-300001015328us-gaap:CommercialPortfolioSegmentMember2022-01-012022-09-300001015328us-gaap:CommercialRealEstatePortfolioSegmentMember2022-01-012022-09-300001015328wtfc:HomeEquityPortfolioSegmentMember2022-01-012022-09-300001015328us-gaap:ResidentialPortfolioSegmentMember2022-01-012022-09-300001015328wtfc:PremiumFinanceReceivablePortfolioSegmentMember2022-01-012022-09-300001015328wtfc:ConsumerAndOtherPortfolioSegmentMember2022-01-012022-09-300001015328us-gaap:CommercialPortfolioSegmentMember2020-12-310001015328us-gaap:CommercialRealEstatePortfolioSegmentMember2020-12-310001015328wtfc:HomeEquityPortfolioSegmentMember2020-12-310001015328us-gaap:ResidentialPortfolioSegmentMember2020-12-310001015328wtfc:PremiumFinanceReceivablePortfolioSegmentMember2020-12-310001015328wtfc:ConsumerAndOtherPortfolioSegmentMember2020-12-310001015328us-gaap:CommercialPortfolioSegmentMember2021-01-012021-09-300001015328us-gaap:CommercialRealEstatePortfolioSegmentMember2021-01-012021-09-300001015328wtfc:HomeEquityPortfolioSegmentMember2021-01-012021-09-300001015328us-gaap:ResidentialPortfolioSegmentMember2021-01-012021-09-300001015328wtfc:PremiumFinanceReceivablePortfolioSegmentMember2021-01-012021-09-300001015328wtfc:ConsumerAndOtherPortfolioSegmentMember2021-01-012021-09-300001015328us-gaap:FinanceReceivablesMember2022-09-300001015328us-gaap:FinanceReceivablesMember2022-01-012022-09-30wtfc:contract0001015328us-gaap:ResidentialRealEstateMemberus-gaap:FinanceReceivablesMember2022-09-300001015328us-gaap:ResidentialRealEstateMemberus-gaap:FinanceReceivablesMember2021-09-300001015328wtfc:CommercialIndustrialAndOtherLoansMemberwtfc:CommercialIndustrialAndOtherPortfolioSegmentMember2022-07-012022-09-300001015328wtfc:CommercialIndustrialAndOtherLoansMemberus-gaap:ExtendedMaturityMemberwtfc:CommercialIndustrialAndOtherPortfolioSegmentMember2022-07-012022-09-300001015328us-gaap:InterestRateBelowMarketReductionMemberwtfc:CommercialIndustrialAndOtherLoansMemberwtfc:CommercialIndustrialAndOtherPortfolioSegmentMember2022-07-012022-09-300001015328wtfc:CommercialIndustrialAndOtherLoansMemberwtfc:ModificationToInterestOnlyPaymentsMemberwtfc:CommercialIndustrialAndOtherPortfolioSegmentMember2022-07-012022-09-300001015328us-gaap:PrincipalForgivenessMemberwtfc:CommercialIndustrialAndOtherLoansMemberwtfc:CommercialIndustrialAndOtherPortfolioSegmentMember2022-07-012022-09-300001015328us-gaap:CommercialRealEstatePortfolioSegmentMemberwtfc:NonConstructionLoansMember2022-07-012022-09-300001015328us-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:ExtendedMaturityMemberwtfc:NonConstructionLoansMember2022-07-012022-09-300001015328us-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:InterestRateBelowMarketReductionMemberwtfc:NonConstructionLoansMember2022-07-012022-09-300001015328us-gaap:CommercialRealEstatePortfolioSegmentMemberwtfc:NonConstructionLoansMemberwtfc:ModificationToInterestOnlyPaymentsMember2022-07-012022-09-300001015328us-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:PrincipalForgivenessMemberwtfc:NonConstructionLoansMember2022-07-012022-09-300001015328wtfc:ResidentialRealEstateAndOtherMember2022-07-012022-09-300001015328us-gaap:ExtendedMaturityMemberwtfc:ResidentialRealEstateAndOtherMember2022-07-012022-09-300001015328us-gaap:InterestRateBelowMarketReductionMemberwtfc:ResidentialRealEstateAndOtherMember2022-07-012022-09-300001015328wtfc:ResidentialRealEstateAndOtherMemberwtfc:ModificationToInterestOnlyPaymentsMember2022-07-012022-09-300001015328us-gaap:PrincipalForgivenessMemberwtfc:ResidentialRealEstateAndOtherMember2022-07-012022-09-300001015328us-gaap:ExtendedMaturityMember2022-07-012022-09-300001015328us-gaap:InterestRateBelowMarketReductionMember2022-07-012022-09-300001015328wtfc:ModificationToInterestOnlyPaymentsMember2022-07-012022-09-300001015328us-gaap:PrincipalForgivenessMember2022-07-012022-09-300001015328wtfc:CommercialIndustrialAndOtherLoansMemberwtfc:CommercialIndustrialAndOtherPortfolioSegmentMember2021-07-012021-09-300001015328wtfc:CommercialIndustrialAndOtherLoansMemberus-gaap:ExtendedMaturityMemberwtfc:CommercialIndustrialAndOtherPortfolioSegmentMember2021-07-012021-09-300001015328us-gaap:InterestRateBelowMarketReductionMemberwtfc:CommercialIndustrialAndOtherLoansMemberwtfc:CommercialIndustrialAndOtherPortfolioSegmentMember2021-07-012021-09-300001015328wtfc:CommercialIndustrialAndOtherLoansMemberwtfc:ModificationToInterestOnlyPaymentsMemberwtfc:CommercialIndustrialAndOtherPortfolioSegmentMember2021-07-012021-09-300001015328us-gaap:PrincipalForgivenessMemberwtfc:CommercialIndustrialAndOtherLoansMemberwtfc:CommercialIndustrialAndOtherPortfolioSegmentMember2021-07-012021-09-300001015328us-gaap:CommercialRealEstatePortfolioSegmentMemberwtfc:NonConstructionLoansMember2021-07-012021-09-300001015328us-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:ExtendedMaturityMemberwtfc:NonConstructionLoansMember2021-07-012021-09-300001015328us-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:InterestRateBelowMarketReductionMemberwtfc:NonConstructionLoansMember2021-07-012021-09-300001015328us-gaap:CommercialRealEstatePortfolioSegmentMemberwtfc:NonConstructionLoansMemberwtfc:ModificationToInterestOnlyPaymentsMember2021-07-012021-09-300001015328us-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:PrincipalForgivenessMemberwtfc:NonConstructionLoansMember2021-07-012021-09-300001015328wtfc:ResidentialRealEstateAndOtherMember2021-07-012021-09-300001015328us-gaap:ExtendedMaturityMemberwtfc:ResidentialRealEstateAndOtherMember2021-07-012021-09-300001015328us-gaap:InterestRateBelowMarketReductionMemberwtfc:ResidentialRealEstateAndOtherMember2021-07-012021-09-300001015328wtfc:ResidentialRealEstateAndOtherMemberwtfc:ModificationToInterestOnlyPaymentsMember2021-07-012021-09-300001015328us-gaap:PrincipalForgivenessMemberwtfc:ResidentialRealEstateAndOtherMember2021-07-012021-09-300001015328us-gaap:ExtendedMaturityMember2021-07-012021-09-300001015328us-gaap:InterestRateBelowMarketReductionMember2021-07-012021-09-300001015328wtfc:ModificationToInterestOnlyPaymentsMember2021-07-012021-09-300001015328us-gaap:PrincipalForgivenessMember2021-07-012021-09-300001015328wtfc:CommercialIndustrialAndOtherLoansMemberwtfc:CommercialIndustrialAndOtherPortfolioSegmentMember2022-01-012022-09-300001015328wtfc:CommercialIndustrialAndOtherLoansMemberus-gaap:ExtendedMaturityMemberwtfc:CommercialIndustrialAndOtherPortfolioSegmentMember2022-01-012022-09-300001015328us-gaap:InterestRateBelowMarketReductionMemberwtfc:CommercialIndustrialAndOtherLoansMemberwtfc:CommercialIndustrialAndOtherPortfolioSegmentMember2022-01-012022-09-300001015328wtfc:CommercialIndustrialAndOtherLoansMemberwtfc:ModificationToInterestOnlyPaymentsMemberwtfc:CommercialIndustrialAndOtherPortfolioSegmentMember2022-01-012022-09-300001015328us-gaap:PrincipalForgivenessMemberwtfc:CommercialIndustrialAndOtherLoansMemberwtfc:CommercialIndustrialAndOtherPortfolioSegmentMember2022-01-012022-09-300001015328us-gaap:CommercialRealEstatePortfolioSegmentMemberwtfc:NonConstructionLoansMember2022-01-012022-09-300001015328us-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:ExtendedMaturityMemberwtfc:NonConstructionLoansMember2022-01-012022-09-300001015328us-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:InterestRateBelowMarketReductionMemberwtfc:NonConstructionLoansMember2022-01-012022-09-300001015328us-gaap:CommercialRealEstatePortfolioSegmentMemberwtfc:NonConstructionLoansMemberwtfc:ModificationToInterestOnlyPaymentsMember2022-01-012022-09-300001015328us-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:PrincipalForgivenessMemberwtfc:NonConstructionLoansMember2022-01-012022-09-300001015328wtfc:ResidentialRealEstateAndOtherMember2022-01-012022-09-300001015328us-gaap:ExtendedMaturityMemberwtfc:ResidentialRealEstateAndOtherMember2022-01-012022-09-300001015328us-gaap:InterestRateBelowMarketReductionMemberwtfc:ResidentialRealEstateAndOtherMember2022-01-012022-09-300001015328wtfc:ResidentialRealEstateAndOtherMemberwtfc:ModificationToInterestOnlyPaymentsMember2022-01-012022-09-300001015328us-gaap:PrincipalForgivenessMemberwtfc:ResidentialRealEstateAndOtherMember2022-01-012022-09-300001015328us-gaap:ExtendedMaturityMember2022-01-012022-09-300001015328us-gaap:InterestRateBelowMarketReductionMember2022-01-012022-09-300001015328wtfc:ModificationToInterestOnlyPaymentsMember2022-01-012022-09-300001015328us-gaap:PrincipalForgivenessMember2022-01-012022-09-300001015328wtfc:CommercialIndustrialAndOtherLoansMemberwtfc:CommercialIndustrialAndOtherPortfolioSegmentMember2021-01-012021-09-300001015328wtfc:CommercialIndustrialAndOtherLoansMemberus-gaap:ExtendedMaturityMemberwtfc:CommercialIndustrialAndOtherPortfolioSegmentMember2021-01-012021-09-300001015328us-gaap:InterestRateBelowMarketReductionMemberwtfc:CommercialIndustrialAndOtherLoansMemberwtfc:CommercialIndustrialAndOtherPortfolioSegmentMember2021-01-012021-09-300001015328wtfc:CommercialIndustrialAndOtherLoansMemberwtfc:ModificationToInterestOnlyPaymentsMemberwtfc:CommercialIndustrialAndOtherPortfolioSegmentMember2021-01-012021-09-300001015328us-gaap:PrincipalForgivenessMemberwtfc:CommercialIndustrialAndOtherLoansMemberwtfc:CommercialIndustrialAndOtherPortfolioSegmentMember2021-01-012021-09-300001015328us-gaap:CommercialRealEstatePortfolioSegmentMemberwtfc:NonConstructionLoansMember2021-01-012021-09-300001015328us-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:ExtendedMaturityMemberwtfc:NonConstructionLoansMember2021-01-012021-09-300001015328us-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:InterestRateBelowMarketReductionMemberwtfc:NonConstructionLoansMember2021-01-012021-09-300001015328us-gaap:CommercialRealEstatePortfolioSegmentMemberwtfc:NonConstructionLoansMemberwtfc:ModificationToInterestOnlyPaymentsMember2021-01-012021-09-300001015328us-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:PrincipalForgivenessMemberwtfc:NonConstructionLoansMember2021-01-012021-09-300001015328wtfc:ResidentialRealEstateAndOtherMember2021-01-012021-09-300001015328us-gaap:ExtendedMaturityMemberwtfc:ResidentialRealEstateAndOtherMember2021-01-012021-09-300001015328us-gaap:InterestRateBelowMarketReductionMemberwtfc:ResidentialRealEstateAndOtherMember2021-01-012021-09-300001015328wtfc:ResidentialRealEstateAndOtherMemberwtfc:ModificationToInterestOnlyPaymentsMember2021-01-012021-09-300001015328us-gaap:PrincipalForgivenessMemberwtfc:ResidentialRealEstateAndOtherMember2021-01-012021-09-300001015328us-gaap:ExtendedMaturityMember2021-01-012021-09-300001015328us-gaap:InterestRateBelowMarketReductionMember2021-01-012021-09-300001015328wtfc:ModificationToInterestOnlyPaymentsMember2021-01-012021-09-300001015328us-gaap:PrincipalForgivenessMember2021-01-012021-09-300001015328wtfc:CommercialIndustrialAndOtherLoansMemberwtfc:CommercialIndustrialAndOtherPortfolioSegmentMember2021-10-012022-09-300001015328wtfc:CommercialIndustrialAndOtherLoansMemberus-gaap:PaymentDeferralMemberwtfc:CommercialIndustrialAndOtherPortfolioSegmentMember2022-07-012022-09-300001015328wtfc:CommercialIndustrialAndOtherLoansMemberus-gaap:PaymentDeferralMemberwtfc:CommercialIndustrialAndOtherPortfolioSegmentMember2022-01-012022-09-300001015328us-gaap:CommercialRealEstatePortfolioSegmentMemberwtfc:NonConstructionLoansMember2021-10-012022-09-300001015328us-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:PaymentDeferralMemberwtfc:NonConstructionLoansMember2022-07-012022-09-300001015328us-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:PaymentDeferralMemberwtfc:NonConstructionLoansMember2022-01-012022-09-300001015328wtfc:ResidentialRealEstateAndOtherMember2021-10-012022-09-300001015328wtfc:ResidentialRealEstateAndOtherMemberus-gaap:PaymentDeferralMember2022-07-012022-09-300001015328wtfc:ResidentialRealEstateAndOtherMemberus-gaap:PaymentDeferralMember2022-01-012022-09-3000010153282021-10-012022-09-300001015328us-gaap:PaymentDeferralMember2022-07-012022-09-300001015328us-gaap:PaymentDeferralMember2022-01-012022-09-300001015328wtfc:CommercialIndustrialAndOtherLoansMemberwtfc:CommercialIndustrialAndOtherPortfolioSegmentMember2020-10-012021-09-300001015328wtfc:CommercialIndustrialAndOtherLoansMemberus-gaap:PaymentDeferralMemberwtfc:CommercialIndustrialAndOtherPortfolioSegmentMember2021-07-012021-09-300001015328wtfc:CommercialIndustrialAndOtherLoansMemberus-gaap:PaymentDeferralMemberwtfc:CommercialIndustrialAndOtherPortfolioSegmentMember2021-01-012021-09-300001015328us-gaap:CommercialRealEstatePortfolioSegmentMemberwtfc:NonConstructionLoansMember2020-10-012021-09-300001015328us-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:PaymentDeferralMemberwtfc:NonConstructionLoansMember2021-07-012021-09-300001015328us-gaap:CommercialRealEstatePortfolioSegmentMemberus-gaap:PaymentDeferralMemberwtfc:NonConstructionLoansMember2021-01-012021-09-300001015328wtfc:ResidentialRealEstateAndOtherMember2020-10-012021-09-300001015328wtfc:ResidentialRealEstateAndOtherMemberus-gaap:PaymentDeferralMember2021-07-012021-09-300001015328wtfc:ResidentialRealEstateAndOtherMemberus-gaap:PaymentDeferralMember2021-01-012021-09-3000010153282020-10-012021-09-300001015328us-gaap:PaymentDeferralMember2021-07-012021-09-300001015328us-gaap:PaymentDeferralMember2021-01-012021-09-300001015328wtfc:CommunityBankingMember2021-12-310001015328wtfc:CommunityBankingMember2022-01-012022-09-300001015328wtfc:CommunityBankingMember2022-09-300001015328wtfc:SpecialtyFinanceMember2021-12-310001015328wtfc:SpecialtyFinanceMember2022-01-012022-09-300001015328wtfc:SpecialtyFinanceMember2022-09-300001015328wtfc:WealthManagementMember2021-12-310001015328wtfc:WealthManagementMember2022-01-012022-09-300001015328wtfc:WealthManagementMember2022-09-300001015328us-gaap:CoreDepositsMemberwtfc:CommunityBankingMember2022-09-300001015328us-gaap:CoreDepositsMemberwtfc:CommunityBankingMember2021-12-310001015328us-gaap:CoreDepositsMemberwtfc:CommunityBankingMember2021-09-300001015328us-gaap:TrademarksMemberwtfc:CommunityBankingMember2022-09-300001015328us-gaap:TrademarksMemberwtfc:CommunityBankingMember2021-12-310001015328us-gaap:TrademarksMemberwtfc:CommunityBankingMember2021-09-300001015328wtfc:CommunityBankingMember2021-09-300001015328wtfc:SpecialtyFinanceMemberus-gaap:CustomerListsMember2022-09-300001015328wtfc:SpecialtyFinanceMemberus-gaap:CustomerListsMember2021-12-310001015328wtfc:SpecialtyFinanceMemberus-gaap:CustomerListsMember2021-09-300001015328wtfc:WealthManagementMemberwtfc:CustomerListAndOtherIntangiblesMember2022-09-300001015328wtfc:WealthManagementMemberwtfc:CustomerListAndOtherIntangiblesMember2021-12-310001015328wtfc:WealthManagementMemberwtfc:CustomerListAndOtherIntangiblesMember2021-09-300001015328us-gaap:CoreDepositsMemberwtfc:CommunityBankingMember2022-01-012022-09-300001015328wtfc:SpecialtyFinanceMemberus-gaap:CustomerListsMember2022-01-012022-09-300001015328wtfc:WealthManagementMemberus-gaap:CustomerListsMember2022-01-012022-09-300001015328wtfc:TermFacilityMember2018-09-180001015328us-gaap:RevolvingCreditFacilityMember2018-09-180001015328us-gaap:RevolvingCreditFacilityMember2022-09-300001015328wtfc:SecuredOvernightFinancingRateSOFRMemberus-gaap:LineOfCreditMember2022-09-122022-09-120001015328wtfc:SecuredOvernightFinancingRateSOFRMemberus-gaap:LineOfCreditMember2022-09-132022-09-130001015328us-gaap:BaseRateMemberus-gaap:LineOfCreditMember2022-09-122022-09-120001015328us-gaap:BaseRateMemberus-gaap:LineOfCreditMember2022-09-132022-09-130001015328us-gaap:RevolvingCreditFacilityMemberus-gaap:BaseRateMemberwtfc:BaseRateLoanMember2022-01-012022-09-300001015328us-gaap:BaseRateMemberwtfc:BaseRateLoanMemberwtfc:TermFacilityMember2022-01-012022-09-300001015328us-gaap:RevolvingCreditFacilityMemberwtfc:BaseRateLoanMemberus-gaap:FederalFundsEffectiveSwapRateMember2022-01-012022-09-300001015328us-gaap:RevolvingCreditFacilityMemberwtfc:BaseRateLoanMemberwtfc:SecuredOvernightFinancingRateSOFRMember2022-01-012022-09-300001015328us-gaap:RevolvingCreditFacilityMemberus-gaap:EurodollarMemberwtfc:BaseRateLoanMember2022-01-012022-09-300001015328us-gaap:RevolvingCreditFacilityMemberus-gaap:LondonInterbankOfferedRateLIBORMemberwtfc:EurodollarRateLoanMember2022-01-012022-09-300001015328us-gaap:LondonInterbankOfferedRateLIBORMemberwtfc:EurodollarRateLoanMemberwtfc:TermFacilityMember2022-01-012022-09-300001015328us-gaap:RevolvingCreditFacilityMember2022-01-012022-09-30utr:Rate0001015328us-gaap:MaturityOvernightMemberus-gaap:SecuritiesSoldUnderAgreementsToRepurchaseMember2022-09-300001015328us-gaap:MaturityOvernightMemberus-gaap:SecuritiesSoldUnderAgreementsToRepurchaseMember2021-12-310001015328us-gaap:MaturityOvernightMemberus-gaap:SecuritiesSoldUnderAgreementsToRepurchaseMember2021-09-300001015328us-gaap:CollateralPledgedMember2022-09-300001015328us-gaap:MaturityOvernightMemberus-gaap:USGovernmentAgenciesDebtSecuritiesMemberus-gaap:SecuritiesSoldUnderAgreementsToRepurchaseMember2022-09-300001015328us-gaap:MortgageBackedSecuritiesMemberus-gaap:MaturityOvernightMemberus-gaap:SecuritiesSoldUnderAgreementsToRepurchaseMember2022-09-300001015328wtfc:ReceivablesPurchaseAgreementMemberus-gaap:SecuredDebtMember2014-12-012014-12-31iso4217:CAD0001015328wtfc:ReceivablesPurchaseAgreementMemberus-gaap:SecuredDebtMember2014-01-012020-05-310001015328wtfc:ReceivablesPurchaseAgreementMemberus-gaap:SecuredDebtMember2022-09-300001015328wtfc:ReceivablesPurchaseAgreementMemberus-gaap:SecuredDebtMember2021-12-310001015328wtfc:ReceivablesPurchaseAgreementMemberus-gaap:SecuredDebtMember2021-09-300001015328wtfc:CanadianCommercialPaperRateMemberwtfc:ReceivablesPurchaseAgreementMemberus-gaap:SecuredDebtMember2022-01-012022-09-300001015328us-gaap:SecuredDebtMember2022-09-300001015328wtfc:FixedRatePromissoryNoteMember2020-03-310001015328wtfc:FixedRatePromissoryNoteMember2021-10-060001015328wtfc:FixedRatePromissoryNoteMember2022-09-30wtfc:building0001015328wtfc:FixedRatePromissoryNoteMember2021-12-310001015328wtfc:FixedRatePromissoryNoteMember2021-09-300001015328wtfc:SubordinatedDebtMaturingJune2029Memberus-gaap:SubordinatedDebtMember2019-12-310001015328wtfc:SubordinatedDebtMaturingJune2029Member2019-01-012019-12-310001015328wtfc:SubordinatedDebtMaturingJune2024Memberus-gaap:SubordinatedDebtMember2014-12-310001015328wtfc:SubordinatedDebtMaturingJune2024Memberus-gaap:SubordinatedDebtMember2014-01-012014-12-31wtfc:trust0001015328us-gaap:JuniorSubordinatedDebtMemberwtfc:WintrustCapitalTrustThreeMember2022-09-300001015328us-gaap:JuniorSubordinatedDebtMemberwtfc:WintrustCapitalTrustThreeMemberus-gaap:LondonInterbankOfferedRateLIBORMember2022-01-012022-09-300001015328us-gaap:JuniorSubordinatedDebtMemberwtfc:WintrustStatutoryTrustFourMember2022-09-300001015328us-gaap:JuniorSubordinatedDebtMemberus-gaap:LondonInterbankOfferedRateLIBORMemberwtfc:WintrustStatutoryTrustFourMember2022-01-012022-09-300001015328us-gaap:JuniorSubordinatedDebtMemberwtfc:WintrustStatutoryTrustFiveMember2022-09-300001015328us-gaap:JuniorSubordinatedDebtMemberus-gaap:LondonInterbankOfferedRateLIBORMemberwtfc:WintrustStatutoryTrustFiveMember2022-01-012022-09-300001015328us-gaap:JuniorSubordinatedDebtMemberwtfc:WintrustCapitalTrustSevenMember2022-09-300001015328us-gaap:JuniorSubordinatedDebtMemberus-gaap:LondonInterbankOfferedRateLIBORMemberwtfc:WintrustCapitalTrustSevenMember2022-01-012022-09-300001015328us-gaap:JuniorSubordinatedDebtMemberwtfc:WintrustCapitalTrustEightMember2022-09-300001015328us-gaap:JuniorSubordinatedDebtMemberus-gaap:LondonInterbankOfferedRateLIBORMemberwtfc:WintrustCapitalTrustEightMember2022-01-012022-09-300001015328wtfc:WintrustCaptialTrustNineMemberus-gaap:JuniorSubordinatedDebtMember2022-09-300001015328wtfc:WintrustCaptialTrustNineMemberus-gaap:JuniorSubordinatedDebtMemberus-gaap:LondonInterbankOfferedRateLIBORMember2022-01-012022-09-300001015328us-gaap:JuniorSubordinatedDebtMemberwtfc:NorthviewCapitalTrustOneMember2022-09-300001015328us-gaap:JuniorSubordinatedDebtMemberwtfc:NorthviewCapitalTrustOneMemberus-gaap:LondonInterbankOfferedRateLIBORMember2022-01-012022-09-300001015328us-gaap:JuniorSubordinatedDebtMemberwtfc:TownBanksharesCapitalTrustOneMember2022-09-300001015328us-gaap:JuniorSubordinatedDebtMemberus-gaap:LondonInterbankOfferedRateLIBORMemberwtfc:TownBanksharesCapitalTrustOneMember2022-01-012022-09-300001015328us-gaap:JuniorSubordinatedDebtMemberwtfc:FirstNorthwestCapitalTrustOneMember2022-09-300001015328us-gaap:JuniorSubordinatedDebtMemberus-gaap:LondonInterbankOfferedRateLIBORMemberwtfc:FirstNorthwestCapitalTrustOneMember2022-01-012022-09-300001015328us-gaap:JuniorSubordinatedDebtMemberwtfc:SuburbanIllinoisCapitalTrustTwoMember2022-09-300001015328us-gaap:JuniorSubordinatedDebtMemberwtfc:SuburbanIllinoisCapitalTrustTwoMemberus-gaap:LondonInterbankOfferedRateLIBORMember2022-01-012022-09-300001015328us-gaap:JuniorSubordinatedDebtMemberwtfc:CommunityFinancialSharesStatutoryTrustTwoMember2022-09-300001015328us-gaap:JuniorSubordinatedDebtMemberus-gaap:LondonInterbankOfferedRateLIBORMemberwtfc:CommunityFinancialSharesStatutoryTrustTwoMember2022-01-012022-09-300001015328us-gaap:JuniorSubordinatedDebtMember2022-09-300001015328us-gaap:JuniorSubordinatedDebtMember2021-12-310001015328us-gaap:JuniorSubordinatedDebtMember2021-09-300001015328us-gaap:JuniorSubordinatedDebtMemberus-gaap:InterestRateSwapMember2022-09-300001015328wtfc:BrokerageAndInsuranceProductCommissionsMember2022-07-012022-09-300001015328wtfc:BrokerageAndInsuranceProductCommissionsMember2021-07-012021-09-300001015328wtfc:BrokerageAndInsuranceProductCommissionsMember2022-01-012022-09-300001015328wtfc:BrokerageAndInsuranceProductCommissionsMember2021-01-012021-09-300001015328wtfc:TrustRevenueMember2022-07-012022-09-300001015328wtfc:TrustRevenueMember2021-07-012021-09-300001015328wtfc:TrustRevenueMember2022-01-012022-09-300001015328wtfc:TrustRevenueMember2021-01-012021-09-300001015328wtfc:AssetManagementRevenueMember2022-07-012022-09-300001015328wtfc:AssetManagementRevenueMember2021-07-012021-09-300001015328wtfc:AssetManagementRevenueMember2022-01-012022-09-300001015328wtfc:AssetManagementRevenueMember2021-01-012021-09-300001015328wtfc:MortgageBrokerFeesMember2022-07-012022-09-300001015328wtfc:MortgageBrokerFeesMember2021-07-012021-09-300001015328wtfc:MortgageBrokerFeesMember2022-01-012022-09-300001015328wtfc:MortgageBrokerFeesMember2021-01-012021-09-300001015328wtfc:ServiceChargesOnDepositAccountsRevenueMember2022-07-012022-09-300001015328wtfc:ServiceChargesOnDepositAccountsRevenueMember2021-07-012021-09-300001015328wtfc:ServiceChargesOnDepositAccountsRevenueMember2022-01-012022-09-300001015328wtfc:ServiceChargesOnDepositAccountsRevenueMember2021-01-012021-09-300001015328wtfc:AdministrativeServicesRevenueMember2022-07-012022-09-300001015328wtfc:AdministrativeServicesRevenueMember2021-07-012021-09-300001015328wtfc:AdministrativeServicesRevenueMember2022-01-012022-09-300001015328wtfc:AdministrativeServicesRevenueMember2021-01-012021-09-300001015328wtfc:CardRelatedFeeRevenueMember2022-07-012022-09-300001015328wtfc:CardRelatedFeeRevenueMember2021-07-012021-09-300001015328wtfc:CardRelatedFeeRevenueMember2022-01-012022-09-300001015328wtfc:CardRelatedFeeRevenueMember2021-01-012021-09-300001015328wtfc:OtherDepositRelatedFeeRevenueMember2022-07-012022-09-300001015328wtfc:OtherDepositRelatedFeeRevenueMember2021-07-012021-09-300001015328wtfc:OtherDepositRelatedFeeRevenueMember2022-01-012022-09-300001015328wtfc:OtherDepositRelatedFeeRevenueMember2021-01-012021-09-30wtfc:subsidiary00010153282022-10-012022-09-3000010153282023-01-012022-09-3000010153282024-01-012022-09-3000010153282025-01-012022-09-3000010153282026-01-012022-09-30wtfc:segment0001015328wtfc:CommunityBankingMemberus-gaap:OperatingSegmentsMember2022-07-012022-09-300001015328wtfc:CommunityBankingMemberus-gaap:OperatingSegmentsMember2021-07-012021-09-300001015328wtfc:SpecialtyFinanceMemberus-gaap:OperatingSegmentsMember2022-07-012022-09-300001015328wtfc:SpecialtyFinanceMemberus-gaap:OperatingSegmentsMember2021-07-012021-09-300001015328wtfc:WealthManagementMemberus-gaap:OperatingSegmentsMember2022-07-012022-09-300001015328wtfc:WealthManagementMemberus-gaap:OperatingSegmentsMember2021-07-012021-09-300001015328us-gaap:OperatingSegmentsMember2022-07-012022-09-300001015328us-gaap:OperatingSegmentsMember2021-07-012021-09-300001015328us-gaap:IntersegmentEliminationMember2022-07-012022-09-300001015328us-gaap:IntersegmentEliminationMember2021-07-012021-09-300001015328wtfc:CommunityBankingMember2022-07-012022-09-300001015328wtfc:CommunityBankingMember2021-07-012021-09-300001015328wtfc:SpecialtyFinanceMember2022-07-012022-09-300001015328wtfc:SpecialtyFinanceMember2021-07-012021-09-300001015328wtfc:WealthManagementMember2022-07-012022-09-300001015328wtfc:WealthManagementMember2021-07-012021-09-300001015328wtfc:SpecialtyFinanceMember2021-09-300001015328wtfc:WealthManagementMember2021-09-300001015328wtfc:CommunityBankingMemberus-gaap:OperatingSegmentsMember2022-01-012022-09-300001015328wtfc:CommunityBankingMemberus-gaap:OperatingSegmentsMember2021-01-012021-09-300001015328wtfc:SpecialtyFinanceMemberus-gaap:OperatingSegmentsMember2022-01-012022-09-300001015328wtfc:SpecialtyFinanceMemberus-gaap:OperatingSegmentsMember2021-01-012021-09-300001015328wtfc:WealthManagementMemberus-gaap:OperatingSegmentsMember2022-01-012022-09-300001015328wtfc:WealthManagementMemberus-gaap:OperatingSegmentsMember2021-01-012021-09-300001015328us-gaap:OperatingSegmentsMember2022-01-012022-09-300001015328us-gaap:OperatingSegmentsMember2021-01-012021-09-300001015328us-gaap:IntersegmentEliminationMember2022-01-012022-09-300001015328us-gaap:IntersegmentEliminationMember2021-01-012021-09-300001015328wtfc:CommunityBankingMember2021-01-012021-09-300001015328wtfc:SpecialtyFinanceMember2021-01-012021-09-300001015328wtfc:WealthManagementMember2021-01-012021-09-300001015328us-gaap:DesignatedAsHedgingInstrumentMemberus-gaap:CashFlowHedgingMemberus-gaap:InterestRateContractMember2022-09-300001015328us-gaap:DesignatedAsHedgingInstrumentMemberus-gaap:CashFlowHedgingMemberus-gaap:InterestRateContractMember2021-12-310001015328us-gaap:DesignatedAsHedgingInstrumentMemberus-gaap:CashFlowHedgingMemberus-gaap:InterestRateContractMember2021-09-300001015328us-gaap:DesignatedAsHedgingInstrumentMemberus-gaap:FairValueHedgingMemberus-gaap:InterestRateContractMember2022-09-300001015328us-gaap:DesignatedAsHedgingInstrumentMemberus-gaap:FairValueHedgingMemberus-gaap:InterestRateContractMember2021-12-310001015328us-gaap:DesignatedAsHedgingInstrumentMemberus-gaap:FairValueHedgingMemberus-gaap:InterestRateContractMember2021-09-300001015328us-gaap:DesignatedAsHedgingInstrumentMember2022-09-300001015328us-gaap:DesignatedAsHedgingInstrumentMember2021-12-310001015328us-gaap:DesignatedAsHedgingInstrumentMember2021-09-300001015328us-gaap:InterestRateContractMemberus-gaap:NondesignatedMember2022-09-300001015328us-gaap:InterestRateContractMemberus-gaap:NondesignatedMember2021-12-310001015328us-gaap:InterestRateContractMemberus-gaap:NondesignatedMember2021-09-300001015328us-gaap:InterestRateLockCommitmentsMemberus-gaap:NondesignatedMember2022-09-300001015328us-gaap:InterestRateLockCommitmentsMemberus-gaap:NondesignatedMember2021-12-310001015328us-gaap:InterestRateLockCommitmentsMemberus-gaap:NondesignatedMember2021-09-300001015328wtfc:ForwardCommitmentsToSellMortgageLoansMemberus-gaap:NondesignatedMember2022-09-300001015328wtfc:ForwardCommitmentsToSellMortgageLoansMemberus-gaap:NondesignatedMember2021-12-310001015328wtfc:ForwardCommitmentsToSellMortgageLoansMemberus-gaap:NondesignatedMember2021-09-300001015328us-gaap:ForeignExchangeContractMemberus-gaap:NondesignatedMember2022-09-300001015328us-gaap:ForeignExchangeContractMemberus-gaap:NondesignatedMember2021-12-310001015328us-gaap:ForeignExchangeContractMemberus-gaap:NondesignatedMember2021-09-300001015328us-gaap:NondesignatedMember2022-09-300001015328us-gaap:NondesignatedMember2021-12-310001015328us-gaap:NondesignatedMember2021-09-300001015328us-gaap:DesignatedAsHedgingInstrumentMemberus-gaap:CashFlowHedgingMemberwtfc:InterestRateCollarMember2022-09-30wtfc:derivativeInstrument0001015328us-gaap:DesignatedAsHedgingInstrumentMemberus-gaap:CashFlowHedgingMemberwtfc:InterestRateCollarMaturingSeptember2023Member2022-09-300001015328us-gaap:DesignatedAsHedgingInstrumentMemberus-gaap:CashFlowHedgingMemberwtfc:InterestRateCollarMaturingSeptember2025Member2022-09-300001015328us-gaap:DesignatedAsHedgingInstrumentMemberus-gaap:CashFlowHedgingMemberwtfc:InterestRateCollarMaturingOctober2026Member2022-09-300001015328us-gaap:DesignatedAsHedgingInstrumentMemberus-gaap:CashFlowHedgingMemberwtfc:InterestRateCollarMaturingSeptember2027Member2022-09-300001015328us-gaap:DesignatedAsHedgingInstrumentMemberus-gaap:CashFlowHedgingMemberwtfc:InterestRateSwapTerminatedOriginalSwapMaturingMarch2023Member2022-03-310001015328us-gaap:DesignatedAsHedgingInstrumentMemberus-gaap:CashFlowHedgingMemberwtfc:InterestRateSwapTerminatedOriginalSwapMaturingMarch2023Member2022-01-012022-03-310001015328wtfc:InterestRateSwapTerminatedOriginalSwapMaturingApril2024Memberus-gaap:DesignatedAsHedgingInstrumentMemberus-gaap:CashFlowHedgingMember2022-06-300001015328us-gaap:DesignatedAsHedgingInstrumentMemberus-gaap:CashFlowHedgingMemberwtfc:InterestRateSwapTerminatedOriginalSwapMaturingMarch2023Member2022-09-300001015328wtfc:InterestRateSwapTerminatedOriginalSwapMaturingApril2024Memberus-gaap:DesignatedAsHedgingInstrumentMemberus-gaap:CashFlowHedgingMember2022-09-300001015328us-gaap:InterestRateContractMember2022-06-300001015328us-gaap:InterestRateContractMember2021-06-300001015328us-gaap:InterestRateContractMember2021-12-310001015328us-gaap:InterestRateContractMember2020-12-310001015328us-gaap:InterestRateContractMember2022-07-012022-09-300001015328us-gaap:InterestRateContractMember2021-07-012021-09-300001015328us-gaap:InterestRateContractMember2022-01-012022-09-300001015328us-gaap:InterestRateContractMember2021-01-012021-09-300001015328us-gaap:InterestRateContractMember2022-09-300001015328us-gaap:InterestRateContractMember2021-09-300001015328wtfc:InterestRateSwapTerminatedMember2022-01-012022-09-300001015328us-gaap:DesignatedAsHedgingInstrumentMemberus-gaap:FairValueHedgingMemberus-gaap:InterestRateSwapMember2022-09-300001015328us-gaap:DesignatedAsHedgingInstrumentMemberus-gaap:InterestRateSwapMemberus-gaap:LoansReceivableMember2022-09-300001015328us-gaap:AvailableforsaleSecuritiesMemberus-gaap:DesignatedAsHedgingInstrumentMemberus-gaap:InterestRateSwapMember2022-09-300001015328us-gaap:DesignatedAsHedgingInstrumentMemberus-gaap:InterestRateSwapMemberwtfc:InterestAndFeeIncomeLoansAndLeasesMember2022-07-012022-09-300001015328us-gaap:DesignatedAsHedgingInstrumentMemberus-gaap:InterestRateSwapMemberwtfc:InterestAndFeeIncomeLoansAndLeasesMember2022-01-012022-09-300001015328us-gaap:DesignatedAsHedgingInstrumentMemberus-gaap:InterestRateSwapMemberwtfc:InterestAndDividendIncomeSecuritiesOperatingMember2022-07-012022-09-300001015328us-gaap:DesignatedAsHedgingInstrumentMemberus-gaap:InterestRateSwapMemberwtfc:InterestAndDividendIncomeSecuritiesOperatingMember2022-01-012022-09-300001015328wtfc:InterestRateContractTerminatedMemberus-gaap:NondesignatedMember2022-09-300001015328wtfc:InterestRateContractQualifiedBorrowersMemberus-gaap:NondesignatedMember2022-09-300001015328us-gaap:CallOptionMemberus-gaap:NondesignatedMember2021-12-310001015328us-gaap:CallOptionMemberus-gaap:NondesignatedMember2021-09-300001015328us-gaap:CallOptionMemberus-gaap:NondesignatedMember2022-09-300001015328wtfc:MortgageBankingDerivativesMember2022-09-300001015328wtfc:MortgageBankingDerivativesMember2021-09-300001015328wtfc:MortgageBankingDerivativesMember2021-12-310001015328wtfc:InterestRateSwapsAndCapsMemberus-gaap:TradingRevenueMember2022-07-012022-09-300001015328wtfc:InterestRateSwapsAndCapsMemberus-gaap:TradingRevenueMember2021-07-012021-09-300001015328wtfc:InterestRateSwapsAndCapsMemberus-gaap:TradingRevenueMember2022-01-012022-09-300001015328wtfc:InterestRateSwapsAndCapsMemberus-gaap:TradingRevenueMember2021-01-012021-09-300001015328wtfc:MortgageBankingRevenueMemberwtfc:MortgageBankingDerivativesMember2022-07-012022-09-300001015328wtfc:MortgageBankingRevenueMemberwtfc:MortgageBankingDerivativesMember2021-07-012021-09-300001015328wtfc:MortgageBankingRevenueMemberwtfc:MortgageBankingDerivativesMember2022-01-012022-09-300001015328wtfc:MortgageBankingRevenueMemberwtfc:MortgageBankingDerivativesMember2021-01-012021-09-300001015328us-gaap:TradingRevenueMemberus-gaap:ForeignExchangeContractMember2022-07-012022-09-300001015328us-gaap:TradingRevenueMemberus-gaap:ForeignExchangeContractMember2021-07-012021-09-300001015328us-gaap:TradingRevenueMemberus-gaap:ForeignExchangeContractMember2022-01-012022-09-300001015328us-gaap:TradingRevenueMemberus-gaap:ForeignExchangeContractMember2021-01-012021-09-300001015328wtfc:FeesFromCoveredCallOptionsMemberus-gaap:CallOptionMember2022-07-012022-09-300001015328wtfc:FeesFromCoveredCallOptionsMemberus-gaap:CallOptionMember2021-07-012021-09-300001015328wtfc:FeesFromCoveredCallOptionsMemberus-gaap:CallOptionMember2022-01-012022-09-300001015328wtfc:FeesFromCoveredCallOptionsMemberus-gaap:CallOptionMember2021-01-012021-09-300001015328wtfc:EconomicHedgeOnMSRsMemberwtfc:MortgageBankingRevenueMember2022-07-012022-09-300001015328wtfc:EconomicHedgeOnMSRsMemberwtfc:MortgageBankingRevenueMember2021-07-012021-09-300001015328wtfc:EconomicHedgeOnMSRsMemberwtfc:MortgageBankingRevenueMember2022-01-012022-09-300001015328wtfc:EconomicHedgeOnMSRsMemberwtfc:MortgageBankingRevenueMember2021-01-012021-09-300001015328us-gaap:MunicipalBondsMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel3Member2022-09-300001015328us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel3Member2022-09-300001015328srt:WeightedAverageMemberwtfc:LoansHeldForSaleMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel3Memberus-gaap:MeasurementInputDiscountRateMember2022-09-300001015328srt:WeightedAverageMemberwtfc:LoansHeldForSaleMemberus-gaap:MeasurementInputEntityCreditRiskMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel3Member2022-09-300001015328srt:MinimumMemberwtfc:LoansHeldForSaleMemberus-gaap:MeasurementInputEntityCreditRiskMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel3Member2022-09-300001015328srt:MaximumMemberwtfc:LoansHeldForSaleMemberus-gaap:MeasurementInputEntityCreditRiskMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel3Member2022-09-300001015328srt:WeightedAverageMemberus-gaap:FairValueMeasurementsRecurringMemberwtfc:LoansHeldForInvestmentMemberus-gaap:FairValueInputsLevel3Memberus-gaap:MeasurementInputDiscountRateMember2022-09-300001015328srt:WeightedAverageMemberus-gaap:MeasurementInputConstantPrepaymentRateMemberus-gaap:FairValueMeasurementsRecurringMemberwtfc:LoansHeldForInvestmentMemberus-gaap:FairValueInputsLevel3Member2022-09-300001015328srt:WeightedAverageMemberwtfc:LoansHeldForInvestmentMember2022-01-012022-09-300001015328srt:WeightedAverageMemberus-gaap:MeasurementInputEntityCreditRiskMemberus-gaap:FairValueMeasurementsRecurringMemberwtfc:LoansHeldForInvestmentMemberus-gaap:FairValueInputsLevel3Member2022-09-300001015328srt:MinimumMemberus-gaap:MeasurementInputEntityCreditRiskMemberus-gaap:FairValueMeasurementsRecurringMemberwtfc:LoansHeldForInvestmentMemberus-gaap:FairValueInputsLevel3Member2022-09-300001015328srt:MaximumMemberus-gaap:MeasurementInputEntityCreditRiskMemberus-gaap:FairValueMeasurementsRecurringMemberwtfc:LoansHeldForInvestmentMemberus-gaap:FairValueInputsLevel3Member2022-09-300001015328srt:WeightedAverageMemberwtfc:MortgageServicingRightsMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel3Memberus-gaap:MeasurementInputDiscountRateMember2022-09-300001015328srt:MinimumMemberwtfc:MortgageServicingRightsMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel3Memberus-gaap:MeasurementInputDiscountRateMember2022-09-300001015328srt:MaximumMemberwtfc:MortgageServicingRightsMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel3Memberus-gaap:MeasurementInputDiscountRateMember2022-09-300001015328srt:MinimumMemberwtfc:MortgageServicingRightsMemberus-gaap:MeasurementInputConstantPrepaymentRateMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel3Member2022-09-300001015328srt:MaximumMemberwtfc:MortgageServicingRightsMemberus-gaap:MeasurementInputConstantPrepaymentRateMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel3Member2022-09-300001015328srt:WeightedAverageMemberwtfc:MortgageServicingRightsMemberus-gaap:MeasurementInputConstantPrepaymentRateMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel3Member2022-09-300001015328wtfc:MeasurementInputCostOfServicingMembersrt:WeightedAverageMemberus-gaap:ValuationTechniqueDiscountedCashFlowMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel3Member2022-09-300001015328srt:WeightedAverageMemberus-gaap:ValuationTechniqueDiscountedCashFlowMemberwtfc:MeasurementInputCostOfServicingDelinquentMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel3Member2022-09-300001015328srt:WeightedAverageMemberus-gaap:ValuationTechniqueDiscountedCashFlowMemberwtfc:MeasurementInputPullThroughRateMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel3Member2022-09-300001015328srt:MinimumMemberus-gaap:ValuationTechniqueDiscountedCashFlowMemberwtfc:MeasurementInputPullThroughRateMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel3Member2022-09-300001015328srt:MaximumMemberus-gaap:ValuationTechniqueDiscountedCashFlowMemberwtfc:MeasurementInputPullThroughRateMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel3Member2022-09-300001015328us-gaap:FairValueMeasurementsRecurringMemberus-gaap:USTreasurySecuritiesMember2022-09-300001015328us-gaap:FairValueInputsLevel1Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:USTreasurySecuritiesMember2022-09-300001015328us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel2Memberus-gaap:USTreasurySecuritiesMember2022-09-300001015328us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel3Memberus-gaap:USTreasurySecuritiesMember2022-09-300001015328us-gaap:USGovernmentAgenciesDebtSecuritiesMemberus-gaap:FairValueMeasurementsRecurringMember2022-09-300001015328us-gaap:FairValueInputsLevel1Memberus-gaap:USGovernmentAgenciesDebtSecuritiesMemberus-gaap:FairValueMeasurementsRecurringMember2022-09-300001015328us-gaap:USGovernmentAgenciesDebtSecuritiesMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel2Member2022-09-300001015328us-gaap:USGovernmentAgenciesDebtSecuritiesMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel3Member2022-09-300001015328us-gaap:MunicipalBondsMemberus-gaap:FairValueMeasurementsRecurringMember2022-09-300001015328us-gaap:FairValueInputsLevel1Memberus-gaap:MunicipalBondsMemberus-gaap:FairValueMeasurementsRecurringMember2022-09-300001015328us-gaap:MunicipalBondsMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel2Member2022-09-300001015328us-gaap:FairValueMeasurementsRecurringMemberus-gaap:CorporateDebtSecuritiesMember2022-09-300001015328us-gaap:FairValueInputsLevel1Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:CorporateDebtSecuritiesMember2022-09-300001015328us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel2Memberus-gaap:CorporateDebtSecuritiesMember2022-09-300001015328us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel3Memberus-gaap:CorporateDebtSecuritiesMember2022-09-300001015328us-gaap:AssetBackedSecuritiesMemberus-gaap:FairValueMeasurementsRecurringMember2022-09-300001015328us-gaap:FairValueInputsLevel1Memberus-gaap:AssetBackedSecuritiesMemberus-gaap:FairValueMeasurementsRecurringMember2022-09-300001015328us-gaap:AssetBackedSecuritiesMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel2Member2022-09-300001015328us-gaap:AssetBackedSecuritiesMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel3Member2022-09-300001015328us-gaap:FairValueMeasurementsRecurringMember2022-09-300001015328us-gaap:FairValueInputsLevel1Memberus-gaap:FairValueMeasurementsRecurringMember2022-09-300001015328us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel2Member2022-09-300001015328us-gaap:FairValueMeasurementsRecurringMemberus-gaap:USTreasurySecuritiesMember2021-12-310001015328us-gaap:FairValueInputsLevel1Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:USTreasurySecuritiesMember2021-12-310001015328us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel2Memberus-gaap:USTreasurySecuritiesMember2021-12-310001015328us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel3Memberus-gaap:USTreasurySecuritiesMember2021-12-310001015328us-gaap:USGovernmentAgenciesDebtSecuritiesMemberus-gaap:FairValueMeasurementsRecurringMember2021-12-310001015328us-gaap:FairValueInputsLevel1Memberus-gaap:USGovernmentAgenciesDebtSecuritiesMemberus-gaap:FairValueMeasurementsRecurringMember2021-12-310001015328us-gaap:USGovernmentAgenciesDebtSecuritiesMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel2Member2021-12-310001015328us-gaap:USGovernmentAgenciesDebtSecuritiesMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel3Member2021-12-310001015328us-gaap:MunicipalBondsMemberus-gaap:FairValueMeasurementsRecurringMember2021-12-310001015328us-gaap:FairValueInputsLevel1Memberus-gaap:MunicipalBondsMemberus-gaap:FairValueMeasurementsRecurringMember2021-12-310001015328us-gaap:MunicipalBondsMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel2Member2021-12-310001015328us-gaap:MunicipalBondsMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel3Member2021-12-310001015328us-gaap:FairValueMeasurementsRecurringMemberus-gaap:CorporateDebtSecuritiesMember2021-12-310001015328us-gaap:FairValueInputsLevel1Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:CorporateDebtSecuritiesMember2021-12-310001015328us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel2Memberus-gaap:CorporateDebtSecuritiesMember2021-12-310001015328us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel3Memberus-gaap:CorporateDebtSecuritiesMember2021-12-310001015328us-gaap:AssetBackedSecuritiesMemberus-gaap:FairValueMeasurementsRecurringMember2021-12-310001015328us-gaap:FairValueInputsLevel1Memberus-gaap:AssetBackedSecuritiesMemberus-gaap:FairValueMeasurementsRecurringMember2021-12-310001015328us-gaap:AssetBackedSecuritiesMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel2Member2021-12-310001015328us-gaap:AssetBackedSecuritiesMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel3Member2021-12-310001015328us-gaap:FairValueMeasurementsRecurringMember2021-12-310001015328us-gaap:FairValueInputsLevel1Memberus-gaap:FairValueMeasurementsRecurringMember2021-12-310001015328us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel2Member2021-12-310001015328us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel3Member2021-12-310001015328us-gaap:FairValueMeasurementsRecurringMemberus-gaap:USTreasurySecuritiesMember2021-09-300001015328us-gaap:FairValueInputsLevel1Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:USTreasurySecuritiesMember2021-09-300001015328us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel2Memberus-gaap:USTreasurySecuritiesMember2021-09-300001015328us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel3Memberus-gaap:USTreasurySecuritiesMember2021-09-300001015328us-gaap:USGovernmentAgenciesDebtSecuritiesMemberus-gaap:FairValueMeasurementsRecurringMember2021-09-300001015328us-gaap:FairValueInputsLevel1Memberus-gaap:USGovernmentAgenciesDebtSecuritiesMemberus-gaap:FairValueMeasurementsRecurringMember2021-09-300001015328us-gaap:USGovernmentAgenciesDebtSecuritiesMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel2Member2021-09-300001015328us-gaap:USGovernmentAgenciesDebtSecuritiesMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel3Member2021-09-300001015328us-gaap:MunicipalBondsMemberus-gaap:FairValueMeasurementsRecurringMember2021-09-300001015328us-gaap:FairValueInputsLevel1Memberus-gaap:MunicipalBondsMemberus-gaap:FairValueMeasurementsRecurringMember2021-09-300001015328us-gaap:MunicipalBondsMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel2Member2021-09-300001015328us-gaap:MunicipalBondsMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel3Member2021-09-300001015328us-gaap:FairValueMeasurementsRecurringMemberus-gaap:CorporateDebtSecuritiesMember2021-09-300001015328us-gaap:FairValueInputsLevel1Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:CorporateDebtSecuritiesMember2021-09-300001015328us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel2Memberus-gaap:CorporateDebtSecuritiesMember2021-09-300001015328us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel3Memberus-gaap:CorporateDebtSecuritiesMember2021-09-300001015328us-gaap:AssetBackedSecuritiesMemberus-gaap:FairValueMeasurementsRecurringMember2021-09-300001015328us-gaap:FairValueInputsLevel1Memberus-gaap:AssetBackedSecuritiesMemberus-gaap:FairValueMeasurementsRecurringMember2021-09-300001015328us-gaap:AssetBackedSecuritiesMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel2Member2021-09-300001015328us-gaap:AssetBackedSecuritiesMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel3Member2021-09-300001015328us-gaap:FairValueMeasurementsRecurringMember2021-09-300001015328us-gaap:FairValueInputsLevel1Memberus-gaap:FairValueMeasurementsRecurringMember2021-09-300001015328us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel2Member2021-09-300001015328us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel3Member2021-09-300001015328us-gaap:EstimateOfFairValueFairValueDisclosureMember2022-09-300001015328us-gaap:EstimateOfFairValueFairValueDisclosureMember2021-12-310001015328us-gaap:EstimateOfFairValueFairValueDisclosureMember2021-09-300001015328us-gaap:NonperformingFinancingReceivableMember2022-09-300001015328us-gaap:NonperformingFinancingReceivableMember2021-12-310001015328us-gaap:NonperformingFinancingReceivableMember2021-09-300001015328us-gaap:MunicipalBondsMember2022-06-300001015328wtfc:LoansHeldForSaleMember2022-06-300001015328us-gaap:USGovernmentAgenciesDebtSecuritiesMember2022-06-300001015328wtfc:LoansHeldForInvestmentMember2022-06-300001015328wtfc:MortgageServicingRightsMember2022-06-300001015328us-gaap:DerivativeFinancialInstrumentsAssetsMember2022-06-300001015328us-gaap:MunicipalBondsMember2022-07-012022-09-300001015328wtfc:LoansHeldForSaleMember2022-07-012022-09-300001015328us-gaap:USGovernmentAgenciesDebtSecuritiesMember2022-07-012022-09-300001015328wtfc:LoansHeldForInvestmentMember2022-07-012022-09-300001015328wtfc:MortgageServicingRightsMember2022-07-012022-09-300001015328us-gaap:DerivativeFinancialInstrumentsAssetsMember2022-07-012022-09-300001015328wtfc:LoansHeldForSaleMember2022-09-300001015328wtfc:LoansHeldForInvestmentMember2022-09-300001015328wtfc:MortgageServicingRightsMember2022-09-300001015328us-gaap:DerivativeFinancialInstrumentsAssetsMember2022-09-300001015328us-gaap:MunicipalBondsMember2021-06-300001015328wtfc:LoansHeldForSaleMember2021-06-300001015328us-gaap:USGovernmentAgenciesDebtSecuritiesMember2021-06-300001015328wtfc:LoansHeldForInvestmentMember2021-06-300001015328wtfc:MortgageServicingRightsMember2021-06-300001015328us-gaap:DerivativeFinancialInstrumentsAssetsMember2021-06-300001015328us-gaap:MunicipalBondsMember2021-07-012021-09-300001015328wtfc:LoansHeldForSaleMember2021-07-012021-09-300001015328us-gaap:USGovernmentAgenciesDebtSecuritiesMember2021-07-012021-09-300001015328wtfc:LoansHeldForInvestmentMember2021-07-012021-09-300001015328wtfc:MortgageServicingRightsMember2021-07-012021-09-300001015328us-gaap:DerivativeFinancialInstrumentsAssetsMember2021-07-012021-09-300001015328wtfc:LoansHeldForSaleMember2021-09-300001015328wtfc:LoansHeldForInvestmentMember2021-09-300001015328wtfc:MortgageServicingRightsMember2021-09-300001015328us-gaap:DerivativeFinancialInstrumentsAssetsMember2021-09-300001015328wtfc:LoansHeldForSaleMember2021-12-310001015328wtfc:LoansHeldForInvestmentMember2021-12-310001015328wtfc:MortgageServicingRightsMember2021-12-310001015328us-gaap:DerivativeFinancialInstrumentsAssetsMember2021-12-310001015328us-gaap:MunicipalBondsMember2022-01-012022-09-300001015328wtfc:LoansHeldForSaleMember2022-01-012022-09-300001015328us-gaap:USGovernmentAgenciesDebtSecuritiesMember2022-01-012022-09-300001015328wtfc:LoansHeldForInvestmentMember2022-01-012022-09-300001015328wtfc:MortgageServicingRightsMember2022-01-012022-09-300001015328us-gaap:DerivativeFinancialInstrumentsAssetsMember2022-01-012022-09-300001015328us-gaap:MunicipalBondsMember2020-12-310001015328wtfc:LoansHeldForSaleMember2020-12-310001015328us-gaap:USGovernmentAgenciesDebtSecuritiesMember2020-12-310001015328wtfc:LoansHeldForInvestmentMember2020-12-310001015328wtfc:MortgageServicingRightsMember2020-12-310001015328us-gaap:DerivativeFinancialInstrumentsAssetsMember2020-12-310001015328us-gaap:MunicipalBondsMember2021-01-012021-09-300001015328wtfc:LoansHeldForSaleMember2021-01-012021-09-300001015328us-gaap:USGovernmentAgenciesDebtSecuritiesMember2021-01-012021-09-300001015328wtfc:LoansHeldForInvestmentMember2021-01-012021-09-300001015328wtfc:MortgageServicingRightsMember2021-01-012021-09-300001015328us-gaap:DerivativeFinancialInstrumentsAssetsMember2021-01-012021-09-300001015328us-gaap:FairValueMeasurementsNonrecurringMember2022-09-300001015328us-gaap:FairValueInputsLevel1Memberus-gaap:FairValueMeasurementsNonrecurringMember2022-09-300001015328us-gaap:FairValueInputsLevel2Memberus-gaap:FairValueMeasurementsNonrecurringMember2022-09-300001015328us-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsNonrecurringMember2022-09-300001015328us-gaap:FairValueInputsLevel3Member2022-09-300001015328us-gaap:FairValueInputsLevel3Memberus-gaap:PortionAtOtherThanFairValueFairValueDisclosureMember2022-09-300001015328us-gaap:MeasurementInputDiscountForLackOfMarketabilityMemberwtfc:OtherRealEstateOwnedMember2022-09-300001015328us-gaap:ValuationTechniqueDiscountedCashFlowMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel3Memberus-gaap:MeasurementInputDiscountRateMember2022-09-300001015328srt:WeightedAverageMemberus-gaap:ValuationTechniqueDiscountedCashFlowMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel3Memberus-gaap:MeasurementInputDiscountRateMember2022-09-300001015328srt:MinimumMemberus-gaap:ValuationTechniqueDiscountedCashFlowMemberus-gaap:MeasurementInputEntityCreditRiskMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel3Member2022-09-300001015328srt:MaximumMemberus-gaap:ValuationTechniqueDiscountedCashFlowMemberus-gaap:MeasurementInputEntityCreditRiskMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel3Member2022-09-300001015328srt:WeightedAverageMemberus-gaap:ValuationTechniqueDiscountedCashFlowMemberus-gaap:MeasurementInputEntityCreditRiskMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel3Member2022-09-300001015328srt:MinimumMemberus-gaap:ValuationTechniqueDiscountedCashFlowMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel3Memberus-gaap:MeasurementInputDiscountRateMember2022-09-300001015328srt:MaximumMemberus-gaap:ValuationTechniqueDiscountedCashFlowMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel3Memberus-gaap:MeasurementInputDiscountRateMember2022-09-300001015328us-gaap:ValuationTechniqueDiscountedCashFlowMemberus-gaap:MeasurementInputConstantPrepaymentRateMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel3Member2022-09-300001015328srt:WeightedAverageMemberus-gaap:ValuationTechniqueDiscountedCashFlowMemberus-gaap:MeasurementInputConstantPrepaymentRateMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel3Member2022-09-300001015328srt:MinimumMemberus-gaap:MeasurementInputExpectedTermMemberus-gaap:ValuationTechniqueDiscountedCashFlowMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel3Member2022-09-30wtfc:year0001015328srt:MaximumMemberus-gaap:MeasurementInputExpectedTermMemberus-gaap:ValuationTechniqueDiscountedCashFlowMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel3Member2022-09-300001015328us-gaap:MeasurementInputExpectedTermMembersrt:WeightedAverageMemberus-gaap:ValuationTechniqueDiscountedCashFlowMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel3Member2022-09-300001015328srt:MinimumMemberus-gaap:ValuationTechniqueDiscountedCashFlowMemberus-gaap:MeasurementInputConstantPrepaymentRateMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel3Member2022-09-300001015328srt:MaximumMemberus-gaap:ValuationTechniqueDiscountedCashFlowMemberus-gaap:MeasurementInputConstantPrepaymentRateMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel3Member2022-09-300001015328srt:MinimumMemberwtfc:MeasurementInputCostOfServicingMemberus-gaap:ValuationTechniqueDiscountedCashFlowMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel3Member2022-09-300001015328srt:MaximumMemberwtfc:MeasurementInputCostOfServicingMemberus-gaap:ValuationTechniqueDiscountedCashFlowMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel3Member2022-09-300001015328srt:MinimumMemberus-gaap:ValuationTechniqueDiscountedCashFlowMemberwtfc:MeasurementInputCostOfServicingDelinquentMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel3Member2022-09-300001015328srt:MaximumMemberus-gaap:ValuationTechniqueDiscountedCashFlowMemberwtfc:MeasurementInputCostOfServicingDelinquentMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel3Member2022-09-300001015328us-gaap:CostApproachValuationTechniqueMemberus-gaap:MeasurementInputDiscountForLackOfMarketabilityMemberus-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsNonrecurringMember2022-09-300001015328us-gaap:CostApproachValuationTechniqueMembersrt:WeightedAverageMemberus-gaap:MeasurementInputDiscountForLackOfMarketabilityMemberus-gaap:FairValueMeasurementsNonrecurringMemberus-gaap:FairValueInputsLevel3Member2022-09-300001015328us-gaap:CarryingReportedAmountFairValueDisclosureMember2022-09-300001015328us-gaap:CarryingReportedAmountFairValueDisclosureMember2021-12-310001015328us-gaap:CarryingReportedAmountFairValueDisclosureMember2021-09-300001015328us-gaap:CarryingReportedAmountFairValueDisclosureMemberwtfc:LoansHeldForInvestmentAtFairValueMember2022-09-300001015328us-gaap:EstimateOfFairValueFairValueDisclosureMemberwtfc:LoansHeldForInvestmentAtFairValueMember2022-09-300001015328us-gaap:CarryingReportedAmountFairValueDisclosureMemberwtfc:LoansHeldForInvestmentAtFairValueMember2021-12-310001015328us-gaap:EstimateOfFairValueFairValueDisclosureMemberwtfc:LoansHeldForInvestmentAtFairValueMember2021-12-310001015328us-gaap:CarryingReportedAmountFairValueDisclosureMemberwtfc:LoansHeldForInvestmentAtFairValueMember2021-09-300001015328us-gaap:EstimateOfFairValueFairValueDisclosureMemberwtfc:LoansHeldForInvestmentAtFairValueMember2021-09-300001015328us-gaap:CarryingReportedAmountFairValueDisclosureMemberwtfc:LoansHeldForInvestmentAtAmortizedCostMember2022-09-300001015328wtfc:LoansHeldForInvestmentAtAmortizedCostMemberus-gaap:EstimateOfFairValueFairValueDisclosureMember2022-09-300001015328us-gaap:CarryingReportedAmountFairValueDisclosureMemberwtfc:LoansHeldForInvestmentAtAmortizedCostMember2021-12-310001015328wtfc:LoansHeldForInvestmentAtAmortizedCostMemberus-gaap:EstimateOfFairValueFairValueDisclosureMember2021-12-310001015328us-gaap:CarryingReportedAmountFairValueDisclosureMemberwtfc:LoansHeldForInvestmentAtAmortizedCostMember2021-09-300001015328wtfc:LoansHeldForInvestmentAtAmortizedCostMemberus-gaap:EstimateOfFairValueFairValueDisclosureMember2021-09-3000010153282022-05-310001015328srt:MinimumMemberus-gaap:EmployeeStockOptionMember2022-01-012022-09-300001015328srt:MaximumMemberus-gaap:EmployeeStockOptionMember2022-01-012022-09-300001015328us-gaap:EmployeeStockOptionMember2022-01-012022-09-300001015328srt:MinimumMemberus-gaap:RestrictedStockMember2022-01-012022-09-300001015328srt:MaximumMemberus-gaap:RestrictedStockMember2022-01-012022-09-300001015328wtfc:LTIPAwardsMember2022-01-012022-09-300001015328us-gaap:PerformanceSharesMember2022-01-012022-09-300001015328srt:MinimumMemberwtfc:LTIPAwardsMember2022-01-012022-09-300001015328srt:MaximumMemberwtfc:LTIPAwardsMember2022-01-012022-09-300001015328us-gaap:RestrictedStockMember2021-12-310001015328us-gaap:RestrictedStockMember2020-12-310001015328us-gaap:RestrictedStockMember2022-01-012022-09-300001015328us-gaap:RestrictedStockMember2021-01-012021-09-300001015328us-gaap:RestrictedStockMember2022-09-300001015328us-gaap:RestrictedStockMember2021-09-300001015328us-gaap:PerformanceSharesMember2021-12-310001015328us-gaap:PerformanceSharesMember2020-12-310001015328us-gaap:PerformanceSharesMember2021-01-012021-09-300001015328us-gaap:PerformanceSharesMember2022-09-300001015328us-gaap:PerformanceSharesMember2021-09-300001015328wtfc:PublicOfferingMemberus-gaap:CommonStockMember2022-06-012022-06-300001015328us-gaap:SeriesDPreferredStockMember2015-06-012015-06-300001015328us-gaap:SeriesDPreferredStockMember2015-06-300001015328us-gaap:LondonInterbankOfferedRateLIBORMemberus-gaap:SeriesDPreferredStockMember2015-06-012015-06-300001015328us-gaap:SeriesEPreferredStockMember2020-05-012020-05-310001015328us-gaap:SeriesEPreferredStockMember2020-05-310001015328wtfc:DepositarySharesSeriesEPreferredStockMember2020-05-012020-05-310001015328us-gaap:SeriesEPreferredStockMemberus-gaap:UsTreasuryUstInterestRateMember2020-05-012020-05-3100010153282022-01-012022-03-310001015328srt:ScenarioForecastMember2022-01-012022-12-3100010153282022-04-012022-06-300001015328us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember2022-06-300001015328us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember2022-06-300001015328us-gaap:AccumulatedTranslationAdjustmentMember2022-06-300001015328us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember2022-07-012022-09-300001015328us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember2022-07-012022-09-300001015328us-gaap:AccumulatedTranslationAdjustmentMember2022-07-012022-09-300001015328us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember2022-09-300001015328us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember2022-09-300001015328us-gaap:AccumulatedTranslationAdjustmentMember2022-09-300001015328us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember2021-12-310001015328us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember2021-12-310001015328us-gaap:AccumulatedTranslationAdjustmentMember2021-12-310001015328us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember2022-01-012022-09-300001015328us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember2022-01-012022-09-300001015328us-gaap:AccumulatedTranslationAdjustmentMember2022-01-012022-09-300001015328us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember2021-06-300001015328us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember2021-06-300001015328us-gaap:AccumulatedTranslationAdjustmentMember2021-06-300001015328us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember2021-07-012021-09-300001015328us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember2021-07-012021-09-300001015328us-gaap:AccumulatedTranslationAdjustmentMember2021-07-012021-09-300001015328us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember2021-09-300001015328us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember2021-09-300001015328us-gaap:AccumulatedTranslationAdjustmentMember2021-09-300001015328us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember2020-12-310001015328us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember2020-12-310001015328us-gaap:AccumulatedTranslationAdjustmentMember2020-12-310001015328us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember2021-01-012021-09-300001015328us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember2021-01-012021-09-300001015328us-gaap:AccumulatedTranslationAdjustmentMember2021-01-012021-09-300001015328us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMemberus-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember2022-07-012022-09-300001015328us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMemberus-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember2021-07-012021-09-300001015328us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMemberus-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember2022-01-012022-09-300001015328us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMemberus-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember2021-01-012021-09-300001015328us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMemberus-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember2022-07-012022-09-300001015328us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMemberus-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember2021-07-012021-09-300001015328us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMemberus-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember2022-01-012022-09-300001015328us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMemberus-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember2021-01-012021-09-30
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)
| | | | | |
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, 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 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) | 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 agreements | 57 | | | 700,055 | | | 55 | |
Interest-bearing deposits with banks | 3,968,605 | | | 5,372,603 | | | 5,232,315 | |
Available-for-sale securities, at fair value | 2,923,653 | | | 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 securities | 179 | | | 1,061 | | | 1,103 | |
Equity securities with readily determinable fair value | 114,012 | | | 90,511 | | | 88,193 | |
Federal Home Loan Bank and Federal Reserve Bank stock | 178,156 | | | 135,378 | | | 135,408 | |
Brokerage customer receivables | 20,327 | | | 26,068 | | | 26,378 | |
Mortgage loans held-for-sale, at fair value | 376,160 | | | 817,912 | | | 925,312 | |
| | | | | |
| | | | | |
| | | | | |
| | | | | |
Loans, net of unearned income | 38,167,613 | | | 34,789,104 | | | 33,264,043 | |
Allowance for loan losses | (246,110) | | | (247,835) | | | (248,612) | |
| | | | | |
| | | | | |
Net loans | 37,921,503 | | | 34,541,269 | | | 33,015,431 | |
Premises, software and equipment, net | 763,029 | | | 766,405 | | | 748,872 | |
Lease investments, net | 244,822 | | | 242,082 | | | 243,933 | |
| | | | | |
| | | | | |
Accrued interest receivable and other assets | 1,316,305 | | | 1,084,115 | | | 1,166,917 | |
| | | | | |
| | | | | |
Goodwill | 653,079 | | | 655,149 | | | 645,792 | |
Other acquisition-related intangible assets | 23,620 | | | 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-bearing | 29,267,914 | | | 27,915,605 | | | 26,697,141 | |
Total deposits | 42,797,191 | | | 42,095,585 | | | 39,952,558 | |
| | | | | |
| | | | | |
Federal Home Loan Bank advances | 2,316,071 | | | 1,241,071 | | | 1,241,071 | |
| | | | | |
Other borrowings | 447,215 | | | 494,136 | | | 504,527 | |
| | | | | |
Subordinated notes | 437,260 | | | 436,938 | | | 436,811 | |
Junior subordinated debentures | 253,566 | | | 253,566 | | | 253,566 | |
Trade date securities payable | — | | | — | | | 1,348 | |
Accrued interest payable and other liabilities | 1,493,656 | | | 1,122,159 | | | 1,032,073 | |
| | | | | |
| | | | | |
| | | | | |
Total liabilities | 47,744,959 | | | 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 | |
Surplus | 1,891,621 | | | 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 earnings | 2,731,844 | | | 2,447,535 | | | 2,373,447 | |
Accumulated other comprehensive (loss) income | (458,728) | | | 4,092 | | | 1,417 | |
Total shareholders’ equity | 4,637,980 | | | 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.
WINTRUST FINANCIAL CORPORATION AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF INCOME (UNAUDITED) | | | | | | | | | | | | | | | | | | | | | | | |
| Three Months Ended | | Nine 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-sale | 5,371 | | | 7,716 | | | 17,198 | | | 24,935 | |
Interest-bearing deposits with banks | 15,621 | | | 2,000 | | | 23,098 | | | 4,352 | |
Federal funds sold and securities purchased under resale agreements | 1,845 | | | — | | | 3,640 | | | — | |
Investment securities | 38,569 | | | 25,189 | | | 107,508 | | | 68,076 | |
Trading account securities | 7 | | | 3 | | | 16 | | | 6 | |
Federal Home Loan Bank and Federal Reserve Bank stock | 2,109 | | | 1,777 | | | 5,704 | | | 5,291 | |
Brokerage customer receivables | 267 | | | 185 | | | 646 | | | 457 | |
Total interest income | 466,478 | | | 322,457 | | | 1,166,698 | | | 947,505 | |
Interest expense | | | | | | | |
Interest on deposits | 45,916 | | | 19,305 | | | 79,755 | | | 71,547 | |
Interest on Federal Home Loan Bank advances | 6,812 | | | 4,931 | | | 16,506 | | | 14,658 | |
Interest on other borrowings | 4,008 | | | 2,501 | | | 8,981 | | | 7,678 | |
Interest on subordinated notes | 5,485 | | | 5,480 | | | 16,484 | | | 16,469 | |
Interest on junior subordinated debentures | 2,809 | | | 2,744 | | | 6,426 | | | 8,172 | |
Total interest expense | 65,030 | | | 34,961 | | | 128,152 | | | 118,524 | |
Net interest income | 401,448 | | | 287,496 | | | 1,038,546 | | | 828,981 | |
Provision for credit losses | 6,420 | | | (7,916) | | | 30,943 | | | (68,562) | |
Net interest income after provision for credit losses | 395,028 | | | 295,412 | | | 1,007,603 | | | 897,543 | |
Non-interest income | | | | | | | |
Wealth management | 33,124 | | | 31,531 | | | 95,887 | | | 91,530 | |
Mortgage banking | 27,221 | | | 55,794 | | | 137,766 | | | 219,872 | |
Service charges on deposit accounts | 14,349 | | | 14,149 | | | 45,520 | | | 39,434 | |
(Losses) gains on investment securities, net | (3,103) | | | (2,431) | | | (13,682) | | | 8 | |
Fees from covered call options | 1,366 | | | 1,157 | | | 6,177 | | | 2,545 | |
Trading (losses) gains, net | (7) | | | 58 | | | 4,058 | | | 39 | |
Operating lease income, net | 12,644 | | | 12,807 | | | 43,126 | | | 39,487 | |
Other | 15,888 | | | 23,409 | | | 48,362 | | | 59,438 | |
Total non-interest income | 101,482 | | | 136,474 | | | 367,214 | | | 452,353 | |
Non-interest expense | | | | | | | |
Salaries and employee benefits | 176,095 | | | 170,912 | | | 515,776 | | | 524,538 | |
Software and equipment | 24,126 | | | 22,029 | | | 71,186 | | | 63,807 | |
Operating lease equipment depreciation | 9,448 | | | 10,013 | | | 27,930 | | | 30,733 | |
Occupancy, net | 17,727 | | | 18,158 | | | 53,202 | | | 55,841 | |
Data processing | 7,767 | | | 7,104 | | | 23,282 | | | 20,072 | |
Advertising and marketing | 16,600 | | | 13,443 | | | 45,139 | | | 33,294 | |
Professional fees | 7,544 | | | 7,052 | | | 23,821 | | | 21,943 | |
Amortization of other acquisition-related intangible assets | 1,492 | | | 1,877 | | | 4,680 | | | 5,923 | |
FDIC insurance | 7,186 | | | 6,750 | | | 21,864 | | | 19,713 | |
Other real estate owned expense, net | 229 | | | (1,531) | | | (509) | | | (1,013) | |
Other | 28,255 | | | 26,337 | | | 83,064 | | | 74,294 | |
Total non-interest expense | 296,469 | | | 282,144 | | | 869,435 | | | 849,145 | |
Income before taxes | 200,041 | | | 149,742 | | | 505,382 | | | 500,751 | |
Income tax expense | 57,080 | | | 40,605 | | | 140,517 | | | 133,357 | |
Net income | $ | 142,961 | | | $ | 109,137 | | | $ | 364,865 | | | $ | 367,394 | |
Preferred stock dividends | 6,991 | | | 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 outstanding | 60,738 | | | 57,000 | | | 58,679 | | | 56,985 | |
Dilutive potential common shares | 837 | | | 753 | | | 814 | | | 728 | |
Average common shares and dilutive common shares | 61,575 | | | 57,753 | | | 59,493 | | | 57,713 | |
See accompanying notes to unaudited consolidated financial statements.
WINTRUST FINANCIAL CORPORATION AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF COMPREHENSIVE (LOSS) INCOME (UNAUDITED)