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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
600,820
Provision for credit losses
23,134
29,594
27,588
67,965
Depreciation, amortization and accretion, net
29,235
29,927
29,873
88,905
Deferred income tax expense (benefit)
-
-
44,841
-
Stock-based compensation expense
11,664
11,324
10,905
30,646
Accretion of discount on securities, net
9,862
7,734
6,175
4,412
Amortization (accretion) of discount and deferred fees on loans, net
9,312
-14,143
4,652
15,092
Mortgage servicing rights fair value changes
-2,246
207
5,065
29,684
Non-designated derivatives fair value changes, net
-2,524
-1,511
-2,925
9,065
Originations and purchases of mortgage loans held-for-sale
834,969
593,993
797,193
1,785,392
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
15,773
Proceeds from sales of mortgage loans held-for-sale
827,214
568,725
800,853
1,785,096
Bank owned life insurance (boli) gains
3,216
948
1,915
4,644
Decrease in trading securities, net
0
0
0
-4,072
Decrease in brokerage customer receivables, net
0
0
0
-18,102
Gains on mortgage loans sold
15,261
17,706
15,301
49,990
Gains on premium financing receivables sold
-
-
0
0
Gains on investment securities, net, and dividend reinvestment on equity securities
1,845
-31
1,505
6,818
(gains) losses on sales of premises and equipment, net
762
-56
-20
-418
Losses on sales and fair value adjustments of other real estate owned, net
-401
167
-1,762
-816
Decrease in accrued interest receivable and other assets, net
87,172
-823,271
128,726
-59,739
Decrease in accrued interest payable and other liabilities, net
113,541
-135,241
78,715
-136,388
Net cash provided by operating activities
255,111
927,183
251,659
658,689
Proceeds from calls and sales of available-for-sale securities
16,589
-
982,173
705,703
Proceeds from payments and maturities of available-for-sale securities
228,891
204,357
238,208
402,735
Proceeds from payments, maturities and calls of held-to-maturity securities
73,676
73,537
94,442
174,383
Proceeds from sales of equity securities with readily determinable fair value
0
0
0
226,542
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
3,040,628
Purchases of held-to-maturity securities
-
-
0
-
Purchases of equity securities with readily determinable fair value
478
300
0
63,413
Purchases of equity securities without readily determinable fair value
1,644
964
70
1,682
Purchases of federal home loan bank and federal reserve bank stock, net
2,585
163
9,126
1,348
Distributions from investments in partnerships, net
-2,603
-1,430
-2,569
13,422
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
994,409
Increase in loans, net
1,601,479
998,702
1,018,426
4,017,366
Redemption of boli
335
2
351
0
Purchases of premises and equipment, net
-17,250
-13,210
76,872
-26,921
Net cash used for investing activities
-2,423,322
-1,866,977
-1,507,615
-4,661,008
Increase in deposit accounts, net
2,226,893
1,197,191
1,005,810
4,199,032
(decrease) increase in other borrowings, net
38,434
-133,343
-107,360
33,753
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
414,148
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
5,387
Common stock repurchases for tax withholdings related to stock-based compensation
912
4,814
6
2,997
Dividends paid
45,466
45,366
41,852
127,571
Net cash provided by financing activities
2,220,347
1,015,575
1,158,425
4,109,252
Net increase in cash and cash equivalents
52,136
75,781
-97,531
106,933
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
Proceeds from sales of
mortgage loans...
$827,214K
(decrease) increase in
other borrowings, net
$38,434K
Issuance of common shares
resulting from the...
$2,027K
Net income
$233,693K
Decrease in accrued
interest payable and...
$113,541K
Depreciation, amortization
and accretion, net
$29,235K
Provision for credit
losses
$23,134K
Stock-based compensation
expense
$11,664K
Non-designated derivatives
fair value changes,...
-$2,524K
Losses on sales and fair
value adjustments of...
-$401K
Net cash provided by
financing activities
$2,220,347K
Net cash provided by
operating activities
$255,111K
Canceled cashflow
$47,007K
Canceled cashflow
$986,295K
Net increase in cash
and cash...
$52,136K
Canceled cashflow
$2,423,322K
Dividends paid
$45,466K
Common stock
repurchases for tax...
$912K
Decrease in federal home
loan bank advances,...
-$629K
Proceeds from payments
and maturities of...
$228,891K
Proceeds from payments,
maturities and calls of...
$73,676K
Proceeds from calls and
sales of...
$16,589K
Distributions from
investments in...
-$2,603K
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
Decrease in accrued
interest receivable and...
$87,172K
Early buy-out
exercises of mortgage...
$21,650K
Gains on mortgage
loans sold
$15,261K
Accretion of discount on
securities, net
$9,862K
Amortization (accretion) of
discount and deferred...
$9,312K
Bank owned life
insurance (boli) gains
$3,216K
Mortgage servicing
rights fair value...
-$2,246K
Gains on investment
securities, net, and...
$1,845K
(gains) losses on sales
of premises and...
$762K
Net cash used for
investing activities
-$2,423,322K
Canceled cashflow
$324,271K
Increase in loans, net
$1,601,479K
Purchases of
available-for-sale securities
$600,658K
Increase in
interest-bearing deposits with...
-$523,499K
Purchases of premises and
equipment, net
-$17,250K
Purchases of federal home
loan bank and federal...
$2,585K
Purchases of equity
securities without readily...
$1,644K
Purchases of equity
securities with readily...
$478K
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WINTRUST FINANCIAL CORP (WTFCN)
WINTRUST FINANCIAL CORP (WTFCN)