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Income Statement
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Balance Sheet
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Income Overview
Revenue
$21,240K
Net Income
$225,326K
Net Profit Margin
1060.86%
EPS
$3.3
Unit: Thousand (K) dollars
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Page 1
Quarterly
123
Page 1
Income Statement
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Service charges on deposit accounts
21,240
20,970
2,054
19,825
Wealth management
39,883
42,059
57,033*
37,188
Mortgage banking
27,438
23,396
23,305*
24,451
Gains on investment securities, net
1,845
-31
1,505
2,972
Fees from covered call options
4,793
4,669
5,992
5,619
Trading losss, net
70
10
-257
172
Operating lease income, net
18,804
19,154
16,365
15,466
Other
27,196
23,915
24,393
25,134
Total non-interest income
141,269
134,142
130,390
130,827
Interest and fees on loans
822,981
797,889
822,494
832,140
Mortgage loans held-for-sale
6,169
4,615
5,607
4,757
Interest-bearing deposits with banks
20,916
19,150
27,190
34,992
Federal funds sold and securities purchased under resale agreements
5
64
77
75
Investment securities
105,716
100,278
95,461
86,426
Trading account securities
0
0
0
0
Federal home loan bank and federal reserve bank stock
5,625
5,564
5,497
5,444
Brokerage customer receivables
0
0
0
0
Total interest income
961,412
927,560
956,326
963,834
Interest on deposits
325,033
309,187
332,178
355,846
Interest on federal home loan bank advances
28,218
27,701
26,408
26,007
Interest on other borrowings
3,121
4,026
5,956
6,887
Interest on subordinated notes
3,739
3,719
3,737
3,717
Interest on junior subordinated debentures
3,935
3,903
4,173
4,367
Total interest expense
364,046
348,536
372,452
396,824
Net interest income
597,366
579,024
583,874
567,010
Provision for credit losses
23,134
29,594
27,588
21,768
Net interest income after provision for credit losses
574,232
549,430
556,286
545,242
Salaries and employee benefits
234,089
228,447
222,557
219,668
Software and equipment
39,288
35,654
36,096
35,027
Operating lease equipment
11,187
10,987
11,034
10,409
Occupancy, net
21,153
20,566
20,105
20,809
Data processing
10,659
11,266
11,809
11,329
Advertising and marketing
20,432
13,218
13,792
19,027
Professional fees
9,342
7,375
8,280
7,465
Amortization of other acquisition-related intangible assets
4,921
4,958
4,999
5,196
Fdic insurance
6,640
10,990
10,562
11,418
Other real estate owned expense, net
-786
-207
-2,162
-262
Other
39,040
38,964
43,057
39,418
Total non-interest expense
397,537
382,632
384,453
380,028
Income before taxes
317,964
300,940
302,223
296,041
Income tax expense
84,271
73,552
79,199
79,787
Net income
233,693
227,388
223,024
216,254
Preferred stock dividends
8,367
8,367
-4,241*
13,295
Less preferred stock redemption
-
-
12,608*
14,046
Net income applicable to common shares
225,326
219,021
214,657
188,913
Basic EPS
3.34
3.26
3.205
2.82
Diluted EPS
3.3
3.22
3.151
2.78
Basic Average Shares
67,434,000
67,246,000
66,975,000
66,952,000
Diluted Average Shares
68,286,000
68,097,000
68,128,000
67,980,000
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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Income Statement
Interest and fees on loans
$822,981K
(3.13%↑ Y/Y)
Investment securities
$105,716K
(35.44%↑ Y/Y)
Interest-bearing deposits with
banks
$20,916K
(-39.05%↓ Y/Y)
Mortgage loans
held-for-sale
$6,169K
(26.62%↑ Y/Y)
Federal home loan bank
and federal reserve...
$5,625K
(4.30%↑ Y/Y)
Federal funds sold and
securities purchased under...
$5K
(-98.19%↓ Y/Y)
Total interest income
$961,412K
(4.40%↑ Y/Y)
Net interest income
$597,366K
(9.27%↑ Y/Y)
Wealth management
$39,883K
(8.32%↑ Y/Y)
Mortgage banking
$27,438K
(18.42%↑ Y/Y)
Other
$27,196K
(18.22%↑ Y/Y)
Service charges on
deposit accounts
$21,240K
(-8.33%↓ Y/Y)
Operating lease income,
net
$18,804K
(23.99%↑ Y/Y)
Fees from covered
call options
$4,793K
(-14.78%↓ Y/Y)
Gains on investment
securities, net
$1,845K
(183.85%↑ Y/Y)
Trading losss, net
$70K
(-53.64%↓ Y/Y)
Total interest
expense
$364,046K
(-2.72%↓ Y/Y)
Net interest income
after provision for...
$574,232K
(9.49%↑ Y/Y)
Total non-interest
income
$141,269K
(13.84%↑ Y/Y)
Provision for credit
losses
$23,134K
(4.05%↑ Y/Y)
Interest on deposits
$325,033K
(-2.53%↓ Y/Y)
Interest on federal home
loan bank advances
$28,218K
(9.70%↑ Y/Y)
Interest on junior
subordinated debentures
$3,935K
(-9.08%↓ Y/Y)
Interest on subordinated
notes
$3,739K
(0.11%↑ Y/Y)
Interest on other
borrowings
$3,121K
(-55.14%↓ Y/Y)
Income before taxes
$317,964K
(19.05%↑ Y/Y)
Total non-interest
expense
$397,537K
(4.21%↑ Y/Y)
Net income
$233,693K
(19.52%↑ Y/Y)
Income tax expense
$84,271K
(17.76%↑ Y/Y)
Salaries and employee
benefits
$234,089K
(6.63%↑ Y/Y)
Software and equipment
$39,288K
(7.57%↑ Y/Y)
Other
$39,040K
(4.83%↑ Y/Y)
Occupancy, net
$21,153K
(4.57%↑ Y/Y)
Advertising and marketing
$20,432K
(8.91%↑ Y/Y)
Operating lease equipment
$11,187K
(4.00%↑ Y/Y)
Data processing
$10,659K
(-11.98%↓ Y/Y)
Professional fees
$9,342K
(1.07%↑ Y/Y)
Fdic insurance
$6,640K
(-39.48%↓ Y/Y)
Amortization of other
acquisition-related intangible...
$4,921K
(-11.81%↓ Y/Y)
Other real estate
owned expense, net
-$786K
(-55.64%↓ Y/Y)
Net income
applicable to common shares
$225,326K
(19.51%↑ Y/Y)
Preferred stock dividends
$8,367K
(19.68%↑ Y/Y)
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WINTRUST FINANCIAL CORP (WTFC)
WINTRUST FINANCIAL CORP (WTFC)