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Cash Flow
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Cash Flow Overview
Change in Cash
$52,136K
Unit: Thousand (K) dollars
Positive Cash Flow Breakdown
Increase in deposit accounts, ne...
Proceeds from sales of mortgage ...
Proceeds from payments and matur...
Others
Negative Cash Flow Breakdown
Increase in loans, net
Originations and purchases of mo...
Purchases of available-for-sale ...
Others
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Page 1
Quarterly
123
Page 1
Cash Flow
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Net income
233,693
227,388
223,024
216,254
Provision for credit losses
23,134
29,594
27,588
21,768
Depreciation, amortization and accretion, net
29,235
29,927
29,873
28,553
Deferred income tax expense (benefit)
-
-
44,841
-
Stock-based compensation expense
11,664
11,324
10,905
10,071
Accretion of discount on securities, net
9,862
7,734
6,175
2,625
Amortization (accretion) of discount and deferred fees on loans, net
9,312
-14,143
4,652
4,751
Mortgage servicing rights fair value changes
-2,246
207
5,065
7,952
Non-designated derivatives fair value changes, net
-2,524
-1,511
-2,925
84,364
Originations and purchases of mortgage loans held-for-sale
834,969
593,993
797,193
643,393
Early buy-out exercises of mortgage loans held-for-sale guaranteed by u.s. government agencies, net of subsequent paydowns or payoffs
21,650
23,205
18,445
23,017
Proceeds from sales of mortgage loans held-for-sale
827,214
568,725
800,853
635,740
Bank owned life insurance (boli) gains
3,216
948
1,915
1,591
Decrease in trading securities, net
0
0
0
0
Decrease in brokerage customer receivables, net
0
0
0
0
Gains on mortgage loans sold
15,261
17,706
15,301
21,529
Gains on premium financing receivables sold
-
-
0
0
Gains on investment securities, net, and dividend reinvestment on equity securities
1,845
-31
1,505
2,972
(gains) losses on sales of premises and equipment, net
762
-56
-20
-9
Losses on sales and fair value adjustments of other real estate owned, net
-401
167
-1,762
0
Decrease in accrued interest receivable and other assets, net
87,172
-823,271
128,726
30,583
Decrease in accrued interest payable and other liabilities, net
113,541
-135,241
78,715
104,257
Net cash provided by operating activities
255,111
927,183
251,659
209,779
Proceeds from calls and sales of available-for-sale securities
16,589
-
982,173
240,625
Proceeds from payments and maturities of available-for-sale securities
228,891
204,357
238,208
143,525
Proceeds from payments, maturities and calls of held-to-maturity securities
73,676
73,537
94,442
63,631
Proceeds from sales of equity securities with readily determinable fair value
0
0
0
221,542
Proceeds from sales and capital distributions of equity securities without readily determinable fair value
678
646
1,421
0
Purchases of available-for-sale securities
600,658
1,264,988
2,021,962
1,453,529
Purchases of held-to-maturity securities
-
-
0
-
Purchases of equity securities with readily determinable fair value
478
300
0
7,394
Purchases of equity securities without readily determinable fair value
1,644
964
70
629
Purchases of federal home loan bank and federal reserve bank stock, net
2,585
163
9,126
668
Distributions from investments in partnerships, net
-2,603
-1,430
-2,569
14,583
Net cash received (paid) in business combinations
-
-
0
0
Proceeds from sales of premium financing receivables, net
-
-
0
0
Proceeds from sales of other real estate owned
1,499
4,760
2,141
0
Increase in interest-bearing deposits with banks, net
-523,499
126,618
243,694
1,144,627
Increase in loans, net
1,601,479
998,702
1,018,426
1,059,893
Redemption of boli
335
2
351
0
Purchases of premises and equipment, net
-17,250
-13,210
76,872
-17,211
Net cash used for investing activities
-2,423,322
-1,866,977
-1,507,615
-739,957
Increase in deposit accounts, net
2,226,893
1,197,191
1,005,810
894,570
(decrease) increase in other borrowings, net
38,434
-133,343
-107,360
-36,798
Decrease in federal home loan bank advances, net
-629
-
300,000
0
Cash payments to settle contingent consideration liabilities recognized in business combinations
-
-
0
-
Proceeds from the issuance of preferred stock, net
0
-
0
-64
Repayment of subordinated notes
-
-
0
0
Redemption of preferred stock
-
-
0
412,500
Issuance of common shares resulting from the exercise of stock options, employee stock purchase plan and director compensation plan
2,027
1,907
1,833
1,633
Common stock repurchases for tax withholdings related to stock-based compensation
912
4,814
6
-6
Dividends paid
45,466
45,366
41,852
46,764
Net cash provided by financing activities
2,220,347
1,015,575
1,158,425
400,083
Net increase in cash and cash equivalents
52,136
75,781
-97,531
-130,095
Cash and cash equivalents at beginning of period
543,719
467,938
565,469
458,536
Cash and cash equivalents at end of period
595,855
543,719
467,938
565,469
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Time Plot
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Cash Flow
Increase in deposit
accounts, net
$2,226,893K
(-32.61%↓ Y/Y)
Proceeds from sales of
mortgage loans...
$827,214K
(-28.03%↓ Y/Y)
(decrease) increase in
other borrowings, net
$38,434K
(-45.52%↓ Y/Y)
Issuance of common shares
resulting from the...
$2,027K
(-46.00%↓ Y/Y)
Net income
$233,693K
(-39.23%↓ Y/Y)
Decrease in accrued
interest payable and...
$113,541K
(147.18%↑ Y/Y)
Depreciation, amortization
and accretion, net
$29,235K
(-51.56%↓ Y/Y)
Provision for credit
losses
$23,134K
(-49.92%↓ Y/Y)
Stock-based compensation
expense
$11,664K
(-43.31%↓ Y/Y)
Non-designated derivatives
fair value changes,...
-$2,524K
(96.65%↑ Y/Y)
Losses on sales and fair
value adjustments of...
-$401K
(50.86%↑ Y/Y)
Net cash provided by
financing activities
$2,220,347K
(-40.14%↓ Y/Y)
Net cash provided by
operating activities
$255,111K
(-43.17%↓ Y/Y)
Canceled cashflow
$47,007K
Canceled cashflow
$986,295K
Net increase in cash
and cash...
$52,136K
(-78.00%↓ Y/Y)
Canceled cashflow
$2,423,322K
Dividends paid
$45,466K
(-43.74%↓ Y/Y)
Common stock
repurchases for tax...
$912K
(-69.63%↓ Y/Y)
Decrease in federal home
loan bank advances,...
-$629K
Proceeds from payments
and maturities of...
$228,891K
(-11.70%↓ Y/Y)
Proceeds from payments,
maturities and calls of...
$73,676K
(-33.48%↓ Y/Y)
Proceeds from calls and
sales of...
$16,589K
(-96.43%↓ Y/Y)
Distributions from
investments in...
-$2,603K
(-124.20%↓ Y/Y)
Proceeds from sales of
other real estate...
$1,499K
Proceeds from sales and
capital distributions...
$678K
Redemption of boli
$335K
Originations and purchases of
mortgage loans...
$834,969K
(-26.89%↓ Y/Y)
Decrease in accrued
interest receivable and...
$87,172K
(196.51%↑ Y/Y)
Early buy-out
exercises of mortgage...
$21,650K
(398.87%↑ Y/Y)
Gains on mortgage
loans sold
$15,261K
(-46.38%↓ Y/Y)
Accretion of discount on
securities, net
$9,862K
(451.87%↑ Y/Y)
Amortization (accretion) of
discount and deferred...
$9,312K
(-9.95%↓ Y/Y)
Bank owned life
insurance (boli) gains
$3,216K
(5.34%↑ Y/Y)
Mortgage servicing
rights fair value...
-$2,246K
(-110.33%↓ Y/Y)
Gains on investment
securities, net, and...
$1,845K
(-52.03%↓ Y/Y)
(gains) losses on sales
of premises and...
$762K
(286.31%↑ Y/Y)
Net cash used for
investing activities
-$2,423,322K
(38.20%↑ Y/Y)
Canceled cashflow
$324,271K
Increase in loans, net
$1,601,479K
(-45.85%↓ Y/Y)
Purchases of
available-for-sale securities
$600,658K
(-62.15%↓ Y/Y)
Increase in
interest-bearing deposits with...
-$523,499K
(-248.49%↓ Y/Y)
Purchases of premises and
equipment, net
-$17,250K
(-77.65%↓ Y/Y)
Purchases of federal home
loan bank and federal...
$2,585K
(280.15%↑ Y/Y)
Purchases of equity
securities without readily...
$1,644K
(56.13%↑ Y/Y)
Purchases of equity
securities with readily...
$478K
(-99.15%↓ Y/Y)
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WINTRUST FINANCIAL CORP (WTFC)
WINTRUST FINANCIAL CORP (WTFC)