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UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
 _________________________________________

FORM 10-Q
_________________________________________
QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934
For the quarterly period ended June 30, 2021
OR
TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934
For the transition period from              to
Commission File Number 001-35077
_____________________________________ 
WINTRUST FINANCIAL CORPORATION
(Exact name of registrant as specified in its charter) 
Illinois36-3873352
(State of incorporation or organization)(I.R.S. Employer Identification No.)
9700 W. Higgins Road, Suite 800
Rosemont, Illinois 60018
(Address of principal executive offices)
(847939-9000
(Registrant’s telephone number, including area code)
Title of Each Class Ticker SymbolName of Each Exchange on Which Registered
Common Stock, no par valueWTFCThe NASDAQ Global Select Market
Series D Preferred Stock, no par valueWTFCMThe NASDAQ Global Select Market
Depositary Shares, Each Representing a 1/1,000th Interest in a Share of
WTFCPThe NASDAQ Global Select Market
 6.875% Fixed-Rate Reset Non-Cumulative Perpetual Series E
Preferred Stock, no par value
____________________________________ 
Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.    Yes      No  
Indicate by check mark whether the registrant has submitted electronically and posted on its corporate Web site, if any, every Interactive Data File required to be submitted and posted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit and post such files).    Yes      No  
Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, smaller reporting company, or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company,” and “emerging growth company” in Rule 12b-2 of the Exchange Act. (Check one):
Large accelerated filerAccelerated filer
Non-accelerated filer
(Do not check if a smaller reporting company)Smaller reporting company
Emerging growth company
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.    ☐
Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).    Yes   ☐    No  
Indicate the number of shares outstanding of each of the issuer’s classes of common stock, as of the latest practicable date.
Common Stock — no par value, 57,040,656 shares, as of July 31, 2021


TABLE OF CONTENTS
 
Page
PART I. — FINANCIAL INFORMATION
ITEM 1.
ITEM 2.
ITEM 3.
ITEM 4.
PART II. — OTHER INFORMATION
ITEM 1.
ITEM 1A.
ITEM 2.
ITEM 3.Defaults Upon Senior SecuritiesNA
ITEM 4.Mine Safety DisclosuresNA
ITEM 5.Other InformationNA
ITEM 6.



PART I
ITEM 1. FINANCIAL STATEMENTS
WINTRUST FINANCIAL CORPORATION AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF CONDITION
(Unaudited)(Unaudited)
(In thousands, except share data)June 30,
2021
December 31,
2020
June 30,
2020
Assets
Cash and due from banks$434,957 $322,415 $344,999 
Federal funds sold and securities purchased under resale agreements52 59 58 
Interest-bearing deposits with banks4,707,415 4,802,527 4,015,072 
Available-for-sale securities, at fair value2,188,608 3,055,839 3,194,961 
Held-to-maturity securities, at amortized cost, net of allowance for credit losses of $90, $59 and $65 at June 30, 2021, December 31, 2020 and June 30, 2020, respectively ($2.5 billion, $593.8 million and $744.3 million fair value at June 30, 2021, December 31, 2020 and June 30, 2020, respectively)
2,498,232 579,138 728,465 
Trading account securities2,667 671 890 
Equity securities with readily determinable fair value86,316 90,862 52,460 
Federal Home Loan Bank and Federal Reserve Bank stock136,625 135,588 135,571 
Brokerage customer receivables23,093 17,436 14,623 
Mortgage loans held-for-sale, at fair value984,994 1,272,090 833,163 
Loans, net of unearned income32,911,187 32,079,073 31,402,903 
Allowance for loan losses(261,089)(319,374)(313,510)
Net loans32,650,098 31,759,699 31,089,393 
Premises and equipment, net752,375 768,808 769,909 
Lease investments, net219,023 242,434 237,040 
Accrued interest receivable and other assets1,185,811 1,351,455 1,437,832 
Trade date securities receivable189,851   
Goodwill646,336 645,707 644,213 
Other intangible assets31,997 36,040 41,368 
Total assets$46,738,450 $45,080,768 $43,540,017 
Liabilities and Shareholders’ Equity
Deposits:
Non-interest-bearing$12,796,110 $11,748,455 $10,204,791 
Interest-bearing26,008,506 25,344,196 25,447,083 
Total deposits38,804,616 37,092,651 35,651,874 
Federal Home Loan Bank advances1,241,071 1,228,429 1,228,416 
Other borrowings518,493 518,928 508,535 
Subordinated notes436,719 436,506 436,298 
Junior subordinated debentures253,566 253,566 253,566 
Trade date securities payable 200,907  
Accrued interest payable and other liabilities1,144,974 1,233,786 1,471,110 
Total liabilities42,399,439 40,964,773 39,549,799 
Shareholders' Equity:
Preferred stock, no par value; 20,000,000 shares authorized:
Series D - $25 liquidation value; 5,000,000 shares issued and outstanding at June 30, 2021, December 31, 2020 and June 30, 2020
125,000 125,000 125,000 
Series E - $25,000 liquidation value; 11,500 shares issued and outstanding at June 30, 2021, December 31, 2020 and June 30, 2020
287,500 287,500 287,500 
Common stock, no par value; $1.00 stated value; 100,000,000 shares authorized at June 30, 2021, December 31, 2020 and June 30, 2020; 58,770,304 shares issued at June 30, 2021, 58,473,252 shares issued at December 31, 2020 and 58,294,456 shares issued at June 30, 2020
58,770 58,473 58,294 
Surplus1,669,002 1,649,990 1,643,864 
Treasury stock, at cost, 1,703,627 shares at June 30, 2021 and December 31, 2020, and 720,784 shares at June 30, 2020
(100,363)(100,363)(44,891)
Retained earnings2,288,969 2,080,013 1,921,048 
Accumulated other comprehensive income (loss)10,133 15,382 (597)
Total shareholders’ equity4,339,011 4,115,995 3,990,218 
Total liabilities and shareholders’ equity$46,738,450 $45,080,768 $43,540,017 
See accompanying notes to unaudited consolidated financial statements.
1

WINTRUST FINANCIAL CORPORATION AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF INCOME (UNAUDITED)
Three Months EndedSix Months Ended
(In thousands, except per share data)June 30,
2021
June 30,
2020
June 30,
2021
June 30,
2020
Interest income
Interest and fees on loans$284,701 $294,746 $558,801 $596,585 
Mortgage loans held-for-sale8,183 4,764 17,219 7,929 
Interest-bearing deposits with banks1,153 1,310 2,352 6,078 
Federal funds sold and securities purchased under resale agreements 16  102 
Investment securities23,623 27,105 42,887 59,572 
Trading account securities1 13 3 20 
Federal Home Loan Bank and Federal Reserve Bank stock1,769 1,765 3,514 3,342 
Brokerage customer receivables149 97 272 255 
Total interest income319,579 329,816 625,048 673,883 
Interest expense
Interest on deposits24,298 50,057 52,242 117,492 
Interest on Federal Home Loan Bank advances4,887 4,934 9,727 8,294 
Interest on other borrowings2,568 3,436 5,177 6,982 
Interest on subordinated notes5,512 5,506 10,989 10,978 
Interest on junior subordinated debentures2,724 2,752 5,428 5,563 
Total interest expense39,989 66,685 83,563 149,309 
Net interest income279,590 263,131 541,485 524,574 
Provision for credit losses(15,299)135,053 (60,646)188,014 
Net interest income after provision for credit losses294,889 128,078 602,131 336,560 
Non-interest income
Wealth management30,690 22,636 59,999 48,577 
Mortgage banking50,584 102,324 164,078 150,650 
Service charges on deposit accounts13,249 10,420 25,285 21,685 
Gains (losses) on investment securities, net1,285 808 2,439 (3,551)
Fees from covered call options1,388  1,388 2,292 
Trading losses, net(438)(634)(19)(1,085)
Operating lease income, net12,240 11,785 26,680 23,769 
Other20,375 14,654 36,029 32,898 
Total non-interest income129,373 161,993 315,879 275,235 
Non-interest expense
Salaries and employee benefits172,817 154,156 353,626 290,918 
Equipment20,866 15,846 41,778 30,680 
Operating lease equipment depreciation9,949 9,292 20,720 18,552 
Occupancy, net17,687 16,893 37,683 34,440 
Data processing6,920 10,406 12,968 18,779 
Advertising and marketing11,305 7,704 19,851 18,566 
Professional fees7,304 7,687 14,891 14,408 
Amortization of other intangible assets2,039 2,820 4,046 5,683 
FDIC insurance6,405 7,081 12,963 11,216 
OREO expense, net769 237 518 (639)
Other24,051 27,246 47,957 51,406 
Total non-interest expense280,112 259,368 567,001 494,009 
Income before taxes144,150 30,703 351,009 117,786 
Income tax expense39,041 9,044 92,752 33,315 
Net income$105,109 $21,659 $258,257 $84,471 
Preferred stock dividends6,991 2,050 13,982 4,100 
Net income applicable to common shares$98,118 $19,609 $244,275 $80,371 
Net income per common share—Basic$1.72 $0.34 $4.29 $1.40 
Net income per common share—Diluted$1.70 $0.34 $4.24 $1.38 
Cash dividends declared per common share$0.31 $0.28 $0.62 $0.56 
Weighted average common shares outstanding57,049 57,567 56,977 57,593 
Dilutive potential common shares726 414 691 481 
Average common shares and dilutive common shares57,775 57,981 57,668 58,074 
See accompanying notes to unaudited consolidated financial statements.
2

WINTRUST FINANCIAL CORPORATION AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (UNAUDITED)
 
Three Months EndedSix Months Ended
(In thousands)June 30,
2021
June 30,
2020
June 30,
2021
June 30,
2020
Net income$105,109 $21,659 $258,257 $84,471 
Unrealized gains (losses) on available-for-sale securities
Before tax6,312 5,068 (54,414)96,422 
Tax effect(1,684)(1,350)14,523 (25,697)
Net of tax4,628 3,718 (39,891)70,725 
Reclassification of net gains (losses) on available-for-sale securities included in net income
Before tax584 (341)794 150 
Tax effect(157)92 (213)(40)
Net of tax427 (249)581 110 
Reclassification of amortization of unrealized gains on investment securities transferred to held-to-maturity from available-for-sale
Before tax47 46 104 124 
Tax effect(13)(12)(28)(33)
Net of tax34