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UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
 _________________________________________

FORM 10-Q
_________________________________________
QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934
For the quarterly period ended September 30, 2021
OR
TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934
For the transition period from              to
Commission File Number 001-35077
_____________________________________ 
WINTRUST FINANCIAL CORPORATION
(Exact name of registrant as specified in its charter) 
Illinois36-3873352
(State of incorporation or organization)(I.R.S. Employer Identification No.)
9700 W. Higgins Road, Suite 800
Rosemont, Illinois 60018
(Address of principal executive offices)
(847939-9000
(Registrant’s telephone number, including area code)
Title of Each Class Ticker SymbolName of Each Exchange on Which Registered
Common Stock, no par valueWTFCThe NASDAQ Global Select Market
Series D Preferred Stock, no par valueWTFCMThe NASDAQ Global Select Market
Depositary Shares, Each Representing a 1/1,000th Interest in a Share of
WTFCPThe NASDAQ Global Select Market
 6.875% Fixed-Rate Reset Non-Cumulative Perpetual Series E
Preferred Stock, no par value
____________________________________ 
Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.    Yes      No  
Indicate by check mark whether the registrant has submitted electronically and posted on its corporate Web site, if any, every Interactive Data File required to be submitted and posted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit and post such files).    Yes      No  
Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, smaller reporting company, or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company,” and “emerging growth company” in Rule 12b-2 of the Exchange Act. (Check one):
Large accelerated filerAccelerated filer
Non-accelerated filer
(Do not check if a smaller reporting company)Smaller reporting company
Emerging growth company
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.    ☐
Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).    Yes   ☐    No  
Indicate the number of shares outstanding of each of the issuer’s classes of common stock, as of the latest practicable date.
Common Stock — no par value, 57,007,314 shares, as of October 31, 2021


TABLE OF CONTENTS
 
Page
PART I. — FINANCIAL INFORMATION
ITEM 1.
ITEM 2.
ITEM 3.
ITEM 4.
PART II. — OTHER INFORMATION
ITEM 1.
ITEM 1A.
ITEM 2.
ITEM 3.Defaults Upon Senior SecuritiesNA
ITEM 4.Mine Safety DisclosuresNA
ITEM 5.Other InformationNA
ITEM 6.



PART I
ITEM 1. FINANCIAL STATEMENTS
WINTRUST FINANCIAL CORPORATION AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF CONDITION
(Unaudited)(Unaudited)
(In thousands, except share data)September 30,
2021
December 31,
2020
September 30,
2020
Assets
Cash and due from banks$462,244 $322,415 $308,639 
Federal funds sold and securities purchased under resale agreements55 59 56 
Interest-bearing deposits with banks5,232,315 4,802,527 3,825,823 
Available-for-sale securities, at fair value2,373,478 3,055,839 2,946,459 
Held-to-maturity securities, at amortized cost, net of allowance for credit losses of $83, $59 and $63 at September 30, 2021, December 31, 2020 and September 30, 2020, respectively ($2.7 billion, $593.8 million and $575.9 million fair value at September 30, 2021, December 31, 2020 and September 30, 2020, respectively)
2,736,722 579,138 560,267 
Trading account securities1,103 671 1,720 
Equity securities with readily determinable fair value88,193 90,862 54,398 
Federal Home Loan Bank and Federal Reserve Bank stock135,408 135,588 135,568 
Brokerage customer receivables26,378 17,436 16,818 
Mortgage loans held-for-sale, at fair value925,312 1,272,090 959,671 
Loans, net of unearned income33,264,043 32,079,073 32,135,555 
Allowance for loan losses(248,612)(319,374)(325,959)
Net loans33,015,431 31,759,699 31,809,596 
Premises, software and equipment, net748,872 768,808 774,288 
Lease investments, net243,933 242,434 230,373 
Accrued interest receivable and other assets1,166,917 1,351,455 1,424,728 
Goodwill645,792 645,707 644,644 
Other intangible assets30,118 36,040 38,670 
Total assets$47,832,271 $45,080,768 $43,731,718 
Liabilities and Shareholders’ Equity
Deposits:
Non-interest-bearing$13,255,417 $11,748,455 $10,409,747 
Interest-bearing26,697,141 25,344,196 25,434,675 
Total deposits39,952,558 37,092,651 35,844,422 
Federal Home Loan Bank advances1,241,071 1,228,429 1,228,422 
Other borrowings504,527 518,928 507,395 
Subordinated notes436,811 436,506 436,385 
Junior subordinated debentures253,566 253,566 253,566 
Trade date securities payable1,348 200,907  
Accrued interest payable and other liabilities1,032,073 1,233,786 1,387,439 
Total liabilities43,421,954 40,964,773 39,657,629 
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, 2021, December 31, 2020 and September 30, 2020
125,000 125,000 125,000 
Series E - $25,000 liquidation value; 11,500 shares issued and outstanding at September 30, 2021, December 31, 2020 and September 30, 2020
287,500 287,500 287,500 
Common stock, no par value; $1.00 stated value; 100,000,000 shares authorized at September 30, 2021, December 31, 2020 and September 30, 2020; 58,793,715 shares issued at September 30, 2021, 58,473,252 shares issued at December 31, 2020 and 58,322,775 shares issued at September 30, 2020
58,794 58,473 58,323 
Surplus1,674,062 1,649,990 1,647,049 
Treasury stock, at cost, 1,837,689 shares at September 30, 2021 and 1,703,627 shares at December 31, 2020, and 720,784 shares at September 30, 2020
(109,903)(100,363)(44,891)
Retained earnings2,373,447 2,080,013 2,001,949 
Accumulated other comprehensive income (loss)1,417 15,382 (841)
Total shareholders’ equity4,410,317 4,115,995 4,074,089 
Total liabilities and shareholders’ equity$47,832,271 $45,080,768 $43,731,718 
See accompanying notes to unaudited consolidated financial statements.
1

WINTRUST FINANCIAL CORPORATION AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF INCOME (UNAUDITED)
Three Months EndedNine Months Ended
(In thousands, except per share data)September 30,
2021
September 30,
2020
September 30,
2021
September 30,
2020
Interest income
Interest and fees on loans$285,587 $280,479 $844,388 $877,064 
Mortgage loans held-for-sale7,716 5,791 24,935 13,720 
Interest-bearing deposits with banks2,000 1,181 4,352 7,259 
Federal funds sold and securities purchased under resale agreements   102 
Investment securities25,189 21,819 68,076 81,391 
Trading account securities3 6 6 26 
Federal Home Loan Bank and Federal Reserve Bank stock1,777 1,774 5,291 5,116 
Brokerage customer receivables185 106 457 361 
Total interest income322,457 311,156 947,505 985,039 
Interest expense
Interest on deposits19,305 39,084 71,547 156,576 
Interest on Federal Home Loan Bank advances4,931 4,947 14,658 13,241 
Interest on other borrowings2,501 3,012 7,678 9,994 
Interest on subordinated notes5,480 5,474 16,469 16,452 
Interest on junior subordinated debentures2,744 2,703 8,172 8,266 
Total interest expense34,961 55,220 118,524 204,529 
Net interest income287,496 255,936 828,981 780,510 
Provision for credit losses(7,916)25,026 (68,562)213,040 
Net interest income after provision for credit losses295,412 230,910 897,543 567,470 
Non-interest income
Wealth management31,531 24,957 91,530 73,534 
Mortgage banking55,794 108,544 219,872 259,194 
Service charges on deposit accounts14,149 11,497 39,434 33,182 
(Losses) gains on investment securities, net(2,431)411 8 (3,140)
Fees from covered call options1,157  2,545 2,292 
Trading gains (losses), net58 183 39 (902)
Operating lease income, net12,807 11,717 39,487 35,486 
Other23,409 13,284 59,438 46,182 
Total non-interest income136,474 170,593 452,353 445,828 
Non-interest expense
Salaries and employee benefits170,912 164,042 524,538 454,960 
Software and equipment22,029 17,251 63,807 47,931 
Operating lease equipment depreciation10,013 9,425 30,733 27,977 
Occupancy, net18,158 15,830 55,841 50,270 
Data processing7,104 5,689 20,072 24,468 
Advertising and marketing13,443 7,880 33,294 26,446 
Professional fees7,052 6,488 21,943 20,896 
Amortization of other intangible assets1,877 2,701 5,923 8,384 
FDIC insurance6,750 6,772 19,713 17,988 
OREO expense, net(1,531)(168)(1,013)(807)
Other26,337 28,309 74,294 79,715 
Total non-interest expense282,144 264,219 849,145 758,228 
Income before taxes149,742 137,284 500,751 255,070 
Income tax expense40,605 29,969 133,357 63,284 
Net income$109,137 $107,315 $367,394 $191,786 
Preferred stock dividends6,991 10,286 20,973 14,386 
Net income applicable to common shares$102,146 $97,029 $346,421 $177,400 
Net income per common share—Basic$1.79 $1.68 $6.08 $3.08 
Net income per common share—Diluted$1.77 $1.67 $6.00 $3.06 
Cash dividends declared per common share$0.31 $0.28 $0.93 $0.84 
Weighted average common shares outstanding57,000 57,597 56,985 57,595 
Dilutive potential common shares753 449 728 469 
Average common shares and dilutive common shares57,753 58,046 57,713 58,064 
See accompanying notes to unaudited consolidated financial statements.
2

WINTRUST FINANCIAL CORPORATION AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (UNAUDITED)
 
Three Months EndedNine Months Ended
(In thousands)September 30,
2021
September 30,
2020
September 30,
2021
September 30,
2020
Net income$109,137 $107,315 $367,394 $191,786 
Unrealized (losses) gains on available-for-sale securities
Before tax(14,141)(14,563)(68,555)81,859 
Tax effect3,767 3,881 18,290 (21,816)
Net of tax(10,374)(10,682)(50,265)60,043 
Reclassification of net gains on available-for-sale securities included in net income
Before tax350 50 1,144 200 
Tax effect(94)(14)(307)</