For the quarter ending 2025-09-30, WTFCN had $106,933K increase in cash & cash equivalents over the period.
| Cash Flow | 2025-09-30 |
|---|---|
| Net income | 600,820 |
| Provision for credit losses | 67,965 |
| Depreciation, amortization and accretion, net | 88,905 |
| Stock-based compensation expense | 30,646 |
| Accretion of discount on securities, net | 4,412 |
| Accretion of discount and deferred fees on loans, net | 15,092 |
| Mortgage servicing rights fair value changes | 29,684 |
| Non-designated derivatives fair value changes, net | 9,065 |
| Originations and purchases of mortgage loans held-for-sale | 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 | 15,773 |
| Proceeds from sales of mortgage loans held-for-sale | 1,785,096 |
| Bank owned life insurance (boli) gains | 4,644 |
| Decrease in trading securities, net | -4,072 |
| Decrease (increase) in brokerage customer receivables, net | -18,102 |
| Gains on mortgage loans sold | 49,990 |
| Gains on premium financing receivables sold | 0 |
| Gains on investment securities, net, and dividend reinvestment on equity securities | 6,818 |
| Losses (gains) on sales of premises and equipment, net | -418 |
| Losses (gains) on sales and fair value adjustments of other real estate owned, net | -816 |
| Decrease (increase) in accrued interest receivable and other assets, net | -59,739 |
| Decrease in accrued interest payable and other liabilities, net | -136,388 |
| Net cash provided by operating activities | 658,689 |
| Proceeds from calls and sales of available-for-sale securities | 705,703 |
| Proceeds from payments and maturities of available-for-sale securities | 402,735 |
| Proceeds from payments, maturities and calls of held-to-maturity securities | 174,383 |
| Proceeds from sales of equity securities with readily determinable fair value | 226,542 |
| Proceeds from sales and capital distributions of equity securities without readily determinable fair value | 0 |
| Purchases of available-for-sale securities | 3,040,628 |
| Purchases of equity securities with readily determinable fair value | 63,413 |
| Purchases of equity securities without readily determinable fair value | 1,682 |
| Purchases of federal home loan bank and federal reserve bank stock, net | 1,348 |
| (contributions to) distributions from investments in partnerships, net | 13,422 |
| Net cash received in business combinations | 0 |
| Proceeds from sales of premium financing receivables, net | 0 |
| Proceeds from sales of other real estate owned | 0 |
| Decrease (increase) in interest-bearing deposits with banks, net | 994,409 |
| Increase in loans, net | 4,017,366 |
| Redemption of boli | 0 |
| Purchases of premises and equipment, net | -26,921 |
| Net cash used for investing activities | -4,661,008 |
| Increase in deposit accounts, net | 4,199,032 |
| Increase in other borrowings, net | 33,753 |
| Increase in federal home loan bank advances, net | 0 |
| Proceeds from the issuance of preferred stock, net | 414,148 |
| Redemption of preferred stock | 412,500 |
| Repayment of subordinated notes | 0 |
| Issuance of common shares resulting from the exercise of stock options, employee stock purchase plan and director compensation plan | 5,387 |
| Common stock repurchases for tax withholdings related to stock-based compensation | 2,997 |
| Dividends paid | 127,571 |
| Net cash provided by financing activities | 4,109,252 |
| Net increase in cash and cash equivalents | 106,933 |
| Cash and cash equivalents at beginning of period | 458,536 |
| Cash and cash equivalents at end of period | 565,469 |
WINTRUST FINANCIAL CORP (WTFCN)
WINTRUST FINANCIAL CORP (WTFCN)