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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, 2023
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
Fixed-to-Floating Rate Non-Cumulative Perpetual Preferred Stock, Series D, 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 Preferred Stock, Series E, 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, 61,212,017 shares, as of July 31, 2023


TABLE OF CONTENTS
 



PART I
ITEM 1. FINANCIAL STATEMENTS
WINTRUST FINANCIAL CORPORATION AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF CONDITION
(Unaudited)(Unaudited)
(In thousands, except share data)June 30,
2023
December 31,
2022
June 30,
2022
Assets
Cash and due from banks$513,858 $490,908 $498,891 
Federal funds sold and securities purchased under resale agreements59 58 475,056 
Interest-bearing deposits with banks2,163,708 1,988,719 3,266,541 
Available-for-sale securities, at fair value3,492,481 3,243,017 2,970,121 
Held-to-maturity securities, at amortized cost, net of allowance for credit losses of $406, $488 and $83 at June 30, 2023, December 31, 2022 and June 30, 2022, respectively ($2.9 billion, $2.9 billion and $2.9 billion fair value at June 30, 2023, December 31, 2022 and June 30, 2022, respectively)
3,564,473 3,640,567 3,413,469 
Trading account securities3,027 1,127 1,010 
Equity securities with readily determinable fair value116,275 110,365 93,295 
Federal Home Loan Bank and Federal Reserve Bank stock195,117 224,759 136,138 
Brokerage customer receivables15,722 16,387 21,527 
Mortgage loans held-for-sale, at fair value338,728 299,935 513,232 
Loans, net of unearned income41,023,408 39,196,485 37,053,103 
Allowance for loan losses(302,499)(270,173)(251,769)
Net loans40,720,909 38,926,312 36,801,334 
Premises, software and equipment, net749,393 764,798 762,381 
Lease investments, net274,351 253,928 223,813 
Accrued interest receivable and other assets1,455,748 1,391,342 1,112,697 
Trade date securities receivable 921,717  
Goodwill656,674 653,524 654,709 
Other acquisition-related intangible assets25,653 22,186 25,118 
Total assets$54,286,176 $52,949,649 $50,969,332 
Liabilities and Shareholders’ Equity
Deposits:
Non-interest-bearing$10,604,915 $12,668,160 $13,855,844 
Interest-bearing33,433,792 30,234,384 28,737,482 
Total deposits44,038,707 42,902,544 42,593,326 
Federal Home Loan Bank advances2,026,071 2,316,071 1,166,071 
Other borrowings665,219 596,614 482,787 
Subordinated notes437,628 437,392 437,162 
Junior subordinated debentures253,566 253,566 253,566 
Accrued interest payable and other liabilities1,823,073 1,646,624 1,308,797 
Total liabilities49,244,264 48,152,811 46,241,709 
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, 2023, December 31, 2022 and June 30, 2022
125,000 125,000 125,000 
Series E - $25,000 liquidation value; 11,500 shares issued and outstanding at June 30, 2023, December 31, 2022 and June 30, 2022
287,500 287,500 287,500 
Common stock, no par value; $1.00 stated value; 100,000,000 shares authorized at June 30, 2023, December 31, 2022 and June 30, 2022; 61,219,240 shares issued at June 30, 2023, 60,797,270 shares issued at December 31, 2022 and 60,721,889 shares issued at June 30, 2022
61,219 60,797 60,722 
Surplus1,923,623 1,902,474 1,880,913 
Treasury stock, at cost, 21,564 shares at June 30, 2023, 3,262 shares at December 31, 2022, and no shares at June 30, 2022
(1,966)(304) 
Retained earnings3,120,626 2,849,007 2,616,525 
Accumulated other comprehensive loss(474,090)(427,636)(243,037)
Total shareholders’ equity5,041,912 4,796,838 4,727,623 
Total liabilities and shareholders’ equity$54,286,176 $52,949,649 $50,969,332 
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,
2023
June 30,
2022
June 30,
2023
June 30,
2022
Interest income
Interest and fees on loans$621,057 $320,501 $1,179,749 $606,199 
Mortgage loans held-for-sale4,178 5,740 7,706 11,827 
Interest-bearing deposits with banks16,882 5,790 30,350 7,477 
Federal funds sold and securities purchased under resale agreements1 1,364 71 1,795 
Investment securities51,243 36,541 111,186 68,939 
Trading account securities6 4 20 9 
Federal Home Loan Bank and Federal Reserve Bank stock3,544 1,823 7,224 3,595 
Brokerage customer receivables265 205 560 379 
Total interest income697,176 371,968 1,336,866 700,220 
Interest expense
Interest on deposits213,495 18,985 358,297 33,839 
Interest on Federal Home Loan Bank advances17,399 4,878 36,534 9,694 
Interest on other borrowings8,485 2,734 16,339 4,973 
Interest on subordinated notes5,523 5,517 11,011 10,999 
Interest on junior subordinated debentures4,737 2,050 9,153 3,617 
Total interest expense249,639 34,164 431,334 63,122 
Net interest income447,537 337,804 905,532 637,098 
Provision for credit losses28,514 20,417 51,559 24,523 
Net interest income after provision for credit losses419,023 317,387 853,973 612,575 
Non-interest income
Wealth management33,858 31,369 63,803 62,763 
Mortgage banking29,981 33,314 48,245 110,545 
Service charges on deposit accounts13,608 15,888 26,511 31,171 
Gains (losses) on investment securities, net0 (7,797)1,398 (10,579)
Fees from covered call options2,578 1,069 12,969 4,811 
Trading gains, net106 176 919 4,065 
Operating lease income, net12,227 15,007 25,273 30,482 
Other20,672 13,916 41,681 32,474 
Total non-interest income113,030 102,942 220,799 265,732 
Non-interest expense
Salaries and employee benefits184,923 167,326 361,704 339,681 
Software and equipment26,205 24,250 50,902 47,060 
Operating lease equipment 9,816 8,774 19,649 18,482 
Occupancy, net19,176 17,651 37,662 35,475 
Data processing9,726 8,010 19,135 15,515 
Advertising and marketing17,794 16,615 29,740 28,539 
Professional fees8,940 7,876 17,103 16,277 
Amortization of other acquisition-related intangible assets1,499 1,579 2,734 3,188 
FDIC insurance9,008 6,949 17,677 14,678 
Other real estate owned expense, net118 294 (89)(738)
Other33,418 29,344 63,575 54,809 
Total non-interest expense320,623 288,668 619,792 572,966 
Income before taxes211,430 131,661 454,980 305,341 
Income tax expense56,680 37,148 120,032 83,437 
Net income$154,750 $94,513 $334,948 $221,904 
Preferred stock dividends6,991 6,991 13,982 13,982 
Net income applicable to common shares$147,759 $87,522 $320,966 $207,922 
Net income per common share—Basic$2.41 $1.51 $5.26 $3.61 
Net income per common share—Diluted$2.38 $1.49 $5.18 $3.56 
Cash dividends declared per common share$0.40 $0.34 $0.80 $0.68 
Weighted average common shares outstanding61,192 58,063 61,072 57,632 
Dilutive potential common shares902 775 933 823 
Average common shares and dilutive common shares62,094 58,838 62,005 58,455 
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,
2023
June 30,
2022
June 30,
2023
June 30,
2022
Net income$154,750 $94,513 $334,948 $221,904 
Unrealized (losses) gains on available-for-sale securities
Before tax(46,231)(166,536)809 (372,553)
Tax effect12,322 44,382 (215)99,285 
Net of tax(33,909)(122,154)594 (273,268)
Reclassification of net gains on available-for-sale securities included in net income
Before tax2  562 250 
Tax effect(1) (152)(67)
Net of tax1  410 183 
Reclassification of amortization of unrealized gains on investment securities transferred to held-to-maturity from available-for-sale
Before tax28 44 71 86 
Tax effect(8)(12)(19)(23)
Net of tax20 32 52 63 
Net unrealized (losses) gains on available-for-sale securities(33,930)(122,186)132 (273,514)
Unrealized (losses) gains on derivative instruments
Before tax(106,431)2,375 (71,765)41,856 
Tax effect28,363 (634)19,125 (11,166)
Net unrealized (losses) gains on derivative instruments(78,068)1,741 (52,640)30,690 
Foreign currency adjustment
Before tax6,527 (8,260)7,417 (5,418)
Tax effect(1,183)1,667 (1,363)1,113 
Net foreign currency adjustment5,344 (6,593)6,054 (4,305)
Total other comprehensive (loss)(106,654)(127,038)(46,454)(247,129)
Comprehensive income (loss)$48,096 $(32,525)$288,494 $(25,225)
See accompanying notes to unaudited consolidated financial statements.
3

WINTRUST FINANCIAL CORPORATION AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS’ EQUITY (UNAUDITED)
(In thousands, except per share data)Preferred
stock
Common
stock
SurplusTreasury
stock
Retained
earnings
Accumulated other
comprehensive income (loss)
Total shareholders’ equity
Balance at March 31, 2022$412,500 $59,091 $1,698,093 $(109,903)$2,548,474 $(115,999)$4,492,256 
Net income— — — — 94,513 — 94,513 
Other comprehensive loss, net of tax— — — — — (127,038)(127,038)
Cash dividends declared on common stock, $0.34 per share
— — — — (19,471)— (19,471)
Dividends on Series D preferred stock, $0.41 per share and Series E preferred stock, $429.69 per share
— — — — (6,991)— (6,991)
Stock-based compensation— — 6,998 — — — 6,998 
Issuance of Series E preferred stock —  — — —  
Common stock issued for:
New Issuance, net of cost— 1,612 174,206 109,903 — — 285,721 
Exercise of stock options and warrants— 5 177 — — — 182 
Restricted stock awards— 4 (4)— — —  
Employee stock purchase plan— 9 784 — — — 793 
Director compensation plan— 1 659 — — — 660 
Balance at June 30, 2022$412,500 $60,722 $1,880,913 $ $2,616,525 $(243,037)$4,727,623 
Balance at January 1, 2022$412,500 $58,892 $1,685,572 $(109,903)$2,447,535 $4,092 $4,498,688 
Net income— — — — 221,904 — 221,904 
Other comprehensive loss, net of tax— — — — — (247,129)(247,129)
Cash dividends declared on common stock, $0.68 per share
— — — — (38,932)— (38,932)
Dividends on Series D preferred stock, $0.82 per share and Series E preferred stock, $859.38 per share
— — — — (13,982)— (13,982)
Common stock repurchases under authorized program— — —  — —  
Stock-based compensation— — 14,889 — — — 14,889 
Issuance of Series E preferred stock —  — — —  
Common stock issued for:
Acquisitions— 1,612 174,206 109,903 — — 285,721 
Exercise of stock options and warrants— 84 3,456 — — — 3,540 
Restricted stock awards— 56 (56)— — —  
Employee stock purchase plan— 19 1,616 — — — 1,635 
Director compensation plan— 59 1,230 — — — 1,289 
Balance at June 30, 2022$412,500 $60,722 $1,880,913 $ $2,616,525 $(243,037)$4,727,623 
Balance at March 31, 2023$412,500 $61,198 $1,913,947 $(1,966)$2,997,263 $(367,436)$5,015,506 
Net income    154,750  154,750 
Other comprehensive loss, net of tax     (106,654)(106,654)
Cash dividends declared on common stock, $0.40 per share
    (24,396) (24,396)
Dividends on Series D preferred stock, $0.41 per share and Series E preferred stock, $429.69 per share
    (6,991) (6,991)
Stock-based compensation  8,108    8,108 
Common stock issued for: