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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, 2023
OR
TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934
For the transition period from              to
Commission File Number 001-35077
_____________________________________ 
WINTRUST FINANCIAL CORPORATION
(Exact name of registrant as specified in its charter) 
Illinois36-3873352
(State of incorporation or organization)(I.R.S. Employer Identification No.)
9700 W. Higgins Road, Suite 800
Rosemont, Illinois 60018
(Address of principal executive offices)
(847939-9000
(Registrant’s telephone number, including area code)
Title of Each Class Ticker SymbolName of Each Exchange on Which Registered
Common Stock, no par valueWTFCThe NASDAQ Global Select Market
Fixed-to-Floating Rate Non-Cumulative Perpetual Preferred Stock, Series D, no par valueWTFCMThe NASDAQ Global Select Market
Depositary Shares, Each Representing a 1/1,000th Interest in a Share of
WTFCPThe NASDAQ Global Select Market
6.875% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series E, no par value
____________________________________ 
Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.    Yes      No  
Indicate by check mark whether the registrant has submitted electronically and posted on its corporate Web site, if any, every Interactive Data File required to be submitted and posted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit and post such files).    Yes      No  
Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, smaller reporting company, or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company,” and “emerging growth company” in Rule 12b-2 of the Exchange Act. (Check one):
Large accelerated filerAccelerated filer
Non-accelerated filer
(Do not check if a smaller reporting company)Smaller reporting company
Emerging growth company
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.    ☐
Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).    Yes   ☐    No  
Indicate the number of shares outstanding of each of the issuer’s classes of common stock, as of the latest practicable date.
Common Stock — no par value, 61,236,454 shares, as of October 31, 2023


TABLE OF CONTENTS
 



PART I
ITEM 1. FINANCIAL STATEMENTS
WINTRUST FINANCIAL CORPORATION AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF CONDITION
(Unaudited)(Unaudited)
(Dollars in thousands, except per share data)September 30,
2023
December 31,
2022
September 30,
2022
Assets
Cash and due from banks$418,088 $490,908 $489,590 
Federal funds sold and securities purchased under resale agreements60 58 57 
Interest-bearing deposits with banks2,448,570 1,988,719 3,968,605 
Available-for-sale securities, at fair value3,611,835 3,243,017 2,923,653 
Held-to-maturity securities, at amortized cost, net of allowance for credit losses of $381, $488 and $310 at September 30, 2023, December 31, 2022 and September 30, 2022, respectively ($3.1 billion, $2.9 billion and $2.7 billion fair value at September 30, 2023, December 31, 2022 and September 30, 2022, respectively)
3,909,150 3,640,567 3,389,842 
Trading account securities1,663 1,127 179 
Equity securities with readily determinable fair value134,310 110,365 114,012 
Federal Home Loan Bank and Federal Reserve Bank stock204,040 224,759 178,156 
Brokerage customer receivables14,042 16,387 20,327 
Mortgage loans held-for-sale, at fair value304,808 299,935 376,160 
Loans, net of unearned income41,446,032 39,196,485 38,167,613 
Allowance for loan losses(315,039)(270,173)(246,110)
Net loans41,130,993 38,926,312 37,921,503 
Premises, software and equipment, net747,501 764,798 763,029 
Lease investments, net275,152 253,928 244,822 
Accrued interest receivable and other assets1,674,681 1,391,342 1,316,305 
Trade date securities receivable 921,717  
Goodwill656,109 653,524 653,079 
Other acquisition-related intangible assets24,244 22,186 23,620 
Total assets$55,555,246 $52,949,649 $52,382,939 
Liabilities and Shareholders’ Equity
Deposits:
Non-interest-bearing$10,347,006 $12,668,160 $13,529,277 
Interest-bearing34,645,680 30,234,384 29,267,914 
Total deposits44,992,686 42,902,544 42,797,191 
Federal Home Loan Bank advances2,326,071 2,316,071 2,316,071 
Other borrowings643,999 596,614 447,215 
Subordinated notes437,731 437,392 437,260 
Junior subordinated debentures253,566 253,566 253,566 
Accrued interest payable and other liabilities1,885,580 1,646,624 1,493,656 
Total liabilities50,539,633 48,152,811 47,744,959 
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, 2023, December 31, 2022 and September 30, 2022
125,000 125,000 125,000 
Series E - $25,000 liquidation value; 11,500 shares issued and outstanding at September 30, 2023, December 31, 2022 and September 30, 2022
287,500 287,500 287,500 
Common stock, no par value; $1.00 stated value; 100,000,000 shares authorized at September 30, 2023, December 31, 2022 and September 30, 2022; 61,243,622 shares issued at September 30, 2023, 60,797,270 shares issued at December 31, 2022 and 60,743,335 shares issued at September 30, 2022
61,244 60,797 60,743 
Surplus1,933,226 1,902,474 1,891,621 
Treasury stock, at cost, 21,564 shares at September 30, 2023, 3,262 shares at December 31, 2022, and no shares at September 30, 2022
(1,966)(304) 
Retained earnings3,253,332 2,849,007 2,731,844 
Accumulated other comprehensive loss(642,723)(427,636)(458,728)
Total shareholders’ equity5,015,613 4,796,838 4,637,980 
Total liabilities and shareholders’ equity$55,555,246 $52,949,649 $52,382,939 
See accompanying notes to unaudited consolidated financial statements.
1

WINTRUST FINANCIAL CORPORATION AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF INCOME (UNAUDITED)
Three Months EndedNine Months Ended
(Dollars in thousands, except per share data)September 30,
2023
September 30,
2022
September 30,
2023
September 30,
2022
Interest income
Interest and fees on loans$666,260 $402,689 $1,846,009 $1,008,888 
Mortgage loans held-for-sale4,767 5,371 12,473 17,198 
Interest-bearing deposits with banks26,866 15,621 57,216 23,098 
Federal funds sold and securities purchased under resale agreements1,157 1,845 1,228 3,640 
Investment securities59,164 38,569 170,350 107,508 
Trading account securities6 7 26 16 
Federal Home Loan Bank and Federal Reserve Bank stock3,896 2,109 11,120 5,704 
Brokerage customer receivables284 267 844 646 
Total interest income762,400 466,478 2,099,266 1,166,698 
Interest expense
Interest on deposits262,783 45,916 621,080 79,755 
Interest on Federal Home Loan Bank advances17,436 6,812 53,970 16,506 
Interest on other borrowings9,384 4,008 25,723 8,981 
Interest on subordinated notes5,491 5,485 16,502 16,484 
Interest on junior subordinated debentures4,948 2,809 14,101 6,426 
Total interest expense300,042 65,030 731,376 128,152 
Net interest income462,358 401,448 1,367,890 1,038,546 
Provision for credit losses19,923 6,420 71,482 30,943 
Net interest income after provision for credit losses442,435 395,028 1,296,408 1,007,603 
Non-interest income
Wealth management33,529 33,124 97,332 95,887 
Mortgage banking27,395 27,221 75,640 137,766 
Service charges on deposit accounts14,217 14,349 40,728 45,520 
Losses on investment securities, net(2,357)(3,103)(959)(13,682)
Fees from covered call options4,215 1,366 17,184 6,177 
Trading gains (losses), net728 (7)1,647 4,058 
Operating lease income, net13,863 12,644 39,136 43,126 
Other20,888 15,888 62,569 48,362 
Total non-interest income112,478 101,482 333,277 367,214 
Non-interest expense
Salaries and employee benefits192,338 176,095 554,042 515,776 
Software and equipment25,951 24,126 76,853 71,186 
Operating lease equipment 12,020 9,448 31,669 27,930 
Occupancy, net21,304 17,727 58,966 53,202 
Data processing10,773 7,767 29,908 23,282 
Advertising and marketing18,169 16,600 47,909 45,139 
Professional fees8,887 7,544 25,990 23,821 
Amortization of other acquisition-related intangible assets1,408 1,492 4,142 4,680 
FDIC insurance9,748 7,186 27,425 21,864 
Other real estate owned expense, net120 229 31 (509)
Other29,337 28,255 92,912 83,064 
Total non-interest expense330,055 296,469 949,847 869,435 
Income before taxes224,858 200,041 679,838 505,382 
Income tax expense60,660 57,080 180,692 140,517 
Net income$164,198 $142,961 $499,146 $364,865 
Preferred stock dividends6,991 6,991 20,973 20,973 
Net income applicable to common shares$157,207 $135,970 $478,173 $343,892 
Net income per common share—Basic$2.57 $2.24 $7.82 $5.86 
Net income per common share—Diluted$2.53 $2.21 $7.71 $5.78 
Cash dividends declared per common share$0.40 $0.34 $1.20 $1.02 
Weighted average common shares outstanding61,213 60,738 61,119 58,679 
Dilutive potential common shares964 837 888 814 
Average common shares and dilutive common shares62,177 61,575 62,007 59,493 
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,
2023
September 30,
2022
September 30,
2023
September 30,
2022
Net income$164,198 $142,961 $499,146 $364,865 
Unrealized (losses) on available-for-sale securities
Before tax(178,080)(193,262)(177,271)(565,815)
Tax effect47,458 51,504 47,243 150,789 
Net of tax(130,622)(141,758)(130,028)(415,026)
Reclassification of net gains on available-for-sale securities included in net income
Before tax158 12 720 262 
Tax effect(40)(3)(192)(70)
Net of tax118 9 528 192 
Reclassification of amortization of unrealized gains on investment securities transferred to held-to-maturity from available-for-sale
Before tax31 44 102 130 
Tax effect(8)(12)(27)(35)
Net of tax23 32 75 95 
Net unrealized (losses) on available-for-sale securities(130,763)(141,799)(130,631)(415,313)
Unrealized (losses) on derivative instruments
Before tax(43,082)(76,441)(114,847)(34,585)
Tax effect11,482 20,371 30,607 9,205 
Net unrealized (losses) on derivative instruments(31,600)(56,070)(84,240)(25,380)
Foreign currency adjustment
Before tax(8,359)(22,630)(942)(28,048)
Tax effect2,089 4,808 726 5,921 
Net foreign currency adjustment(6,270)(17,822)(216)(22,127)
Total other comprehensive (loss)(168,633)(215,691)(215,087)(462,820)
Comprehensive income (loss)$(4,435)$(72,730)$284,059 $(97,955)
See accompanying notes to unaudited consolidated financial statements.
3

WINTRUST FINANCIAL CORPORATION AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS’ EQUITY (UNAUDITED)
(Dollars in thousands, except per share data)Preferred
stock
Common
stock
SurplusTreasury
stock
Retained
earnings
Accumulated other
comprehensive income (loss)
Total shareholders’ equity
Balance at June 30, 2022$412,500 $60,722 $1,880,913 $ $2,616,525 $(243,037)$4,727,623 
Net income— — — — 142,961 — 142,961 
Other comprehensive loss, net of tax— — — — — (215,691)(215,691)
Cash dividends declared on common stock, $0.34 per share
— — — — (20,651)— (20,651)
Dividends on Series D preferred stock, $0.41 per share and Series E preferred stock, $429.69 per share
— — — — (6,991)— (6,991)
Stock-based compensation— — 8,963 — — — 8,963 
Common stock issued for:
Exercise of stock options — 4 194 — — — 198 
Restricted stock awards— 5 (5)— — —  
Employee stock purchase plan— 12 882 — — — 894 
Director compensation plan— — 674 — — — 674 
Balance at September 30, 2022$412,500 $60,743 $1,891,621 $ $2,731,844 $(458,728)$4,637,980 
Balance at January 1, 2022$412,500 $58,892 $1,685,572 $(109,903)$2,447,535 $4,092 $4,498,688 
Net income— — — — 364,865 — 364,865 
Other comprehensive loss, net of tax— — — — — (462,820)(462,820)
Cash dividends declared on common stock, $1.02 per share
— — — — (59,583)— (59,583)
Dividends on Series D preferred stock, $1.23 per share and Series E preferred stock, $1,289.07 per share
— — — — (20,973)— (20,973)
Stock-based compensation— — 23,852 — — — 23,852 
Common stock issued for:
New Issuance, net of cost— 1,612 174,206 109,903 — — 285,721 
Exercise of stock options— 88 3,650 — — — 3,738 
Restricted stock awards— 61 (61)— — —  
Employee stock purchase plan— 31 2,498 — — — 2,529 
Director compensation plan— 59 1,904 — — — 1,963 
Balance at September 30, 2022$412,500 $60,743 $1,891,621 $ $2,731,844 $(458,728)$4,637,980 
Balance at June 30, 2023$412,500 $61,219 $1,923,623 $(1,966)$3,120,626 $(474,090)$5,041,912 
Net income    164,198  164,198 
Other comprehensive loss, net of tax     (168,633)(168,633)
Cash dividends declared on common stock, $0.40 per share
    (24,501) (24,501)
Dividends on Series D preferred stock, $0.41 per share and Series E preferred stock, $429.69 per share
    (6,991) (6,991)
Stock-based compensation  8,130    8,130 
Common stock issued for: