Wintrust Financial Corporation · NASDAQ:WTFC
Wintrust Financial — Q1 2025 Earnings Presentation
11 slides from Wintrust Financial's earnings presentation, Apr 21, 2025
Slide 1: Net Income
Net Income ; : ; QI 2024* Q2 2024 Q3 2024 Q4 2024 QI 2025 2 g -} z A | a
Slide 2: First quarter 2024 footnote on FDIC special assessment and RBA sale gain
*The first quarter of 2024 includes FDIC special assessment of $5.2 million and net gain on sale of RBA of $19.3 million
Slide 3: Pre-tax income, excluding provision for credit losses (non-GAAP)
2 Z = | z = F Pre-tax income, excluding provision for credit losses (non-GAAP) - $300 $280 $260 $240 $220 $200 $180 $160 Q1 2025 compared to Q4 2024 T Q4 2024 T Net Interest Income T T T T T T T Wealth Gains on All Other Advertising Professional All Other QI 2025 Management —available- _—_ Non-Inter
Slide 4: Net Interest Income and Net Interest Margin ("NIM")
Net Interest Income and Net Interest Margin ("NIM") $525.1 $526.5 $502.6 2 g } z = a QI 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 NIM (GAAP) NIM, fully taxable-equivalent (non-GAAP) HE Net Interest Income
Slide 5: Assets
Total Assets 2 < = - & a T T T T T QI 2024 Q2 2024 Q3 2024 Q4 2024 QI 2025
Slide 6: Loans
Total Loans 2 < = - & a T T T T T QI 2024 Q2 2024 Q3 2024 Q4 2024 QI 2025
Slide 7: Deposits
Total Deposits 2 < = - & a T T T T T QI 2024 Q2 2024 Q3 2024 Q4 2024 QI 2025
Slide 8: Shareholders' Equity
Total Shareholders’ Equity $6.6 Set $6.3 $5.5 7 ; | QI 2024 Q2 2024 Q3 2024 Q4 2024 QI 2025 a < = 5 -—| a
Slide 9: Non-Performing Assets as a percentage of Total Assets
Non-Performing Assets as a percentage of Total Assets QI 2024 Q2 2024 Q3 2024 Q4 2024 QI 2025
Slide 10: Selected financial highlights
The Company recognized Pre-tax income, excluding provision for credit losses (non-GAAP) (2) 277,018 270,060 271,629 3 2 Cash dividends declared per common share 0.50 0.45 0.45 11 11 Net interest income 526,474 525,148 464,194 0 13 Net interest margin – fully taxable-equivalent (non-GAAP) (2) 3.56 3.
Slide 11: Allowance for credit losses and charge-offs
Fourth Quarter 2024 (52) 18 (50) Second Quarter 2024 1 6 0 Provision for credit losses - Other 23,963 16,979 6,787 40,061 21,673 Initial allowance for credit losses recognized on PCD assets acquired during the period — — 3,004 — — Charge-offs: Commercial real estate 454 1,037 95 15,526 5,469 Residen