wtfc: the income statement

MyFinsight

WINTRUST FINANCIAL CORP (WTFC)

For the quarter ending 2025-06-30, WTFC made $23,170K in revenue. $188,536K in net income. Net profit margin of 813.71%.

Overview

Revenue
$23,170K
Net Income
$188,536K
Net Profit Margin
813.71%
EPS
$2.78
Unit: Thousand (K) dollars

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

	2025-06-30	2025-03-31	2024-09-30	2024-06-30
Mortgage banking	23,170	34,042	37,224	35,413
Operating lease income, net	15,166	15,287	15,335	13,938
Other	23,005	20,836	24,137	29,282
Trading gains, net	151	-64	-130	70
Fees from covered call options	5,624	3,446	988	2,056
Gains (losses) on investment securities, net	650	3,196	3,189	-4,282
Service charges on deposit accounts	19,502	19,362	16,430	15,546
Wealth management	36,821	-	-	-
Mortgage banking	-	20,529	15,974	29,124
Total non-interest income	124,089	116,634	113,147	121,147
Operating lease equipment	10,757	10,471	10,518	10,834
Professional fees	9,243	9,044	9,783	9,967
Other real estate owned expense, net	-505	-643	938	259
Other	37,243	38,821	35,767	33,964
Occupancy, net	20,228	20,778	19,945	19,585
Advertising and marketing	18,761	12,272	18,239	17,436
Salaries and employee benefits	219,541	211,526	211,261	198,541
Data processing	12,110	11,274	9,984	9,503
Fdic insurance	10,971	10,926	10,512	10,429
Software and equipment	36,522	34,717	31,574	29,231
Amortization of other acquisition-related intangible assets	5,580	5,618	4,042	1,122
Total non-interest expense	381,461	366,090	360,687	340,353
Net interest income	-	-	-	470,610
Provision for credit losses	22,234	23,963	22,334	40,061
Interest on subordinated notes	3,735	3,714	3,712	5,185
Interest on other borrowings	6,957	6,792	9,013	8,700
Interest on junior subordinated debentures	4,328	4,311	5,023	4,984
Interest on federal home loan bank advances	25,724	25,441	26,254	24,797
Interest on deposits	333,470	320,233	362,019	335,703
Total interest expense	374,214	360,491	406,021	379,369
Federal home loan bank and federal reserve bank stock	5,393	5,307	5,451	4,974
Brokerage customer receivables	-	78	269	219
Federal funds sold and securities purchased under resale agreements	276	179	277	17
Interest-bearing deposits with banks	34,317	36,766	32,608	19,731
Trading account securities	-	11	11	13
Mortgage loans held-for-sale	4,872	4,246	6,233	5,434
Interest and fees on loans	797,997	768,362	794,163	749,812
Investment securities	78,053	72,016	69,592	69,779
Total interest income	920,908	886,965	908,604	849,979
Net interest income	546,694	526,474	502,583	-
Net interest income after provision for credit losses	524,460	502,511	480,249	430,549
Income before taxes	267,088	253,055	232,709	211,343
Income tax expense	71,561	64,016	62,708	58,955
Net income	195,527	189,039	170,001	152,388
Preferred stock dividends	6,991	6,991	6,991	6,991
Net income applicable to common shares	188,536	182,048	163,010	145,397

Average common shares and dilutive common shares (in shares)	67,819,000	67,649,000	65,941,000	62,765,000
Net income per common share-basic (usd per share)	2.82	2.73	2.51	2.35
Net income per common share-diluted (usd per share)	2.78	2.69	2.47	2.32
Weighted average common shares outstanding (in shares)	66,931,000	66,726,000	64,888,000	61,839,000

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

MyFinsight

Overview

Revenue
$23,170K
Net Income
$188,536K
Net Profit Margin
813.71%
EPS
$2.78
Unit: Thousand (K) dollars

Income Statement

DownloadDownload image

Overview

Revenue
$23,170K
Net Income
$188,536K
Net Profit Margin
813.71%
EPS
$2.78
Unit: Thousand (K) dollars

Income Statement

DownloadDownload image

Overview

Revenue$23,170KNet Income$188,536KNet Profit Margin813.71%EPS$2.78Unit: Thousand (K) dollars

Income Statement

Overview

Revenue$23,170KNet Income$188,536KNet Profit Margin813.71%EPS$2.78Unit: Thousand (K) dollars

Income Statement

Revenue
$23,170K
Net Income
$188,536K
Net Profit Margin
813.71%
EPS
$2.78
Unit: Thousand (K) dollars

Revenue
$23,170K
Net Income
$188,536K
Net Profit Margin
813.71%
EPS
$2.78
Unit: Thousand (K) dollars