Financial insights of WTFC

MyFinsight

For the quarter ending 2025-09-30, WTFC made $1,870,989K in revenue. $188,913K in net income. Net profit margin of 10.10%.

Income Overview

Revenue
$1,870,989K
Net Income
$188,913K
Net Profit Margin
10.10%
EPS
$2.78
Unit: Thousand (K) dollars
Revenue Breakdown
Interest and fees on loans
Interest on deposits
Salaries and employee benefits
Others

Unit: Thousand (K) dollars (except for numbers of shares and EPS)

Income Statement	2025-09-30	2025-06-30	2025-03-31	2024-09-30
Interest and fees on loans	832,140	797,997	768,362	794,163
Mortgage loans held-for-sale	4,757	4,872	4,246	6,233
Interest-bearing deposits with banks	34,992	34,317	36,766	32,608
Federal funds sold and securities purchased under resale agreements	75	276	179	277
Investment securities	86,426	78,053	72,016	69,592
Trading account securities	0	0	11	11
Federal home loan bank and federal reserve bank stock	5,444	5,393	5,307	5,451
Brokerage customer receivables	0	0	78	269
Total interest income	963,834	920,908	886,965	908,604
Interest on deposits	355,846	333,470	320,233	362,019
Interest on federal home loan bank advances	26,007	25,724	25,441	26,254
Interest on other borrowings	6,887	6,957	6,792	9,013
Interest on subordinated notes	3,717	3,735	3,714	3,712
Interest on junior subordinated debentures	4,367	4,328	4,311	5,023
Total interest expense	396,824	374,214	360,491	406,021
Net interest income	567,010	546,694	526,474	502,583
Provision for credit losses	21,768	22,234	23,963	22,334
Net interest income after provision for credit losses	545,242	524,460	502,511	480,249
Wealth management	37,188	36,821	-	-
Service charges on deposit accounts	-	19,502	19,362	16,430
Mortgage banking	24,451	-	20,529	15,974
Service charges on deposit accounts	19,825	23,170	34,042	37,224
Gains on investment securities, net	2,972	650	3,196	3,189
Fees from covered call options	5,619	5,624	3,446	988
Trading gains (losses), net	172	151	-64	-130
Operating lease income, net	15,466	15,166	15,287	15,335
Other	25,134	23,005	20,836	24,137
Total non-interest income	130,827	124,089	116,634	113,147
Salaries and employee benefits	219,668	219,541	211,526	211,261
Software and equipment	35,027	36,522	34,717	31,574
Operating lease equipment	10,409	10,757	10,471	10,518
Occupancy, net	20,809	20,228	20,778	19,945
Data processing	11,329	12,110	11,274	9,984
Advertising and marketing	19,027	18,761	12,272	18,239
Professional fees	7,465	9,243	9,044	9,783
Amortization of other acquisition-related intangible assets	5,196	5,580	5,618	4,042
Fdic insurance	11,418	10,971	10,926	10,512
Other real estate owned expense, net	-262	-505	-643	938
Other	39,418	37,243	38,821	35,767
Total non-interest expense	380,028	381,461	366,090	360,687
Income before taxes	296,041	267,088	253,055	232,709
Income tax expense	79,787	71,561	64,016	62,708
Net income	216,254	195,527	189,039	170,001
Preferred stock dividends	13,295	6,991	6,991	6,991
Preferred stock redemption	14,046	-	-	-
Net income applicable to common shares	188,913	188,536	182,048	163,010

Average common shares and dilutive common shares (in shares)	67,980,000	67,819,000	67,649,000	65,941,000
Net income per common share-basic (usd per share)	2.82	2.82	2.73	2.51
Net income per common share-diluted (usd per share)	2.78	2.78	2.69	2.47
Weighted average common shares outstanding (in shares)	66,952,000	66,931,000	66,726,000	64,888,000

MyFinsight

Income Overview

Revenue
$1,870,989K
Net Income
$188,913K
Net Profit Margin
10.10%
EPS
$2.78
Unit: Thousand (K) dollars
Revenue Breakdown
Interest and fees on loans
Interest on deposits
Salaries and employee benefits
Others

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

DownloadDownload image

Income Overview

Revenue
$1,870,989K
Net Income
$188,913K
Net Profit Margin
10.10%
EPS
$2.78
Unit: Thousand (K) dollars
Revenue Breakdown
Interest and fees on loans
Interest on deposits
Salaries and employee benefits
Others

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

DownloadDownload image

Income Overview

Revenue$1,870,989KNet Income$188,913KNet Profit Margin10.10%EPS$2.78Unit: Thousand (K) dollarsRevenue BreakdownInterest and fees on loansInterest on depositsSalaries and employee benefitsOthers

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Income Overview

Revenue$1,870,989KNet Income$188,913KNet Profit Margin10.10%EPS$2.78Unit: Thousand (K) dollarsRevenue BreakdownInterest and fees on loansInterest on depositsSalaries and employee benefitsOthers

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Revenue
$1,870,989K
Net Income
$188,913K
Net Profit Margin
10.10%
EPS
$2.78
Unit: Thousand (K) dollars
Revenue Breakdown
Interest and fees on loans
Interest on deposits
Salaries and employee benefits
Others

Revenue
$1,870,989K
Net Income
$188,913K
Net Profit Margin
10.10%
EPS
$2.78
Unit: Thousand (K) dollars
Revenue Breakdown
Interest and fees on loans
Interest on deposits
Salaries and employee benefits
Others