Wintrust Financial Corporation · NASDAQ:WTFC
Wintrust Financial — Q3 2024 Earnings Presentation
11 slides from Wintrust Financial's earnings presentation, Oct 21, 2024
Slide 1: Net Income
Net Income $187.3 2 g -} z A | a Q3 2023 Q4 2023 QI 2024 Q2 2024 Q3 2024
Slide 2: Pre-tax income, excluding provision for credit losses (non-GAAP)
a i = z A | a Pre-tax income, excluding provision for credit losses (non-GAAP) $300 $280 $260 $240 $220 $200 $180 $160 $140 $120 $100 Q3 2023 T Q4 2023 T Q1 2024 T Q2 2024 T Q3 2024
Slide 3: Pre-tax income, excluding provision (non-GAAP): Q3 2024 compared to Q2 2024
lions = z = e Pre-tax income, excluding provision for credit losses (non-GAAP) - $300 $280 $260 $240 $220 $200 $180 $160 Q3 2024 compared to Q2 2024 $7.5 $13.2) saa) $12.7) g2.9) 48) T Q2 2024 T T T T T T T Net Gain on Mortgage — All Other Salaries Amortization All Other Interest Investment Banking
Slide 4: Net Interest Income and Net Interest Margin ("NIM")
Net Interest Income and Net Interest Margin ("NIM") $502.6 2 g } z | a Q3 2023 Q4 2023 QI 2024 Q2 2024 Q3 2024 NIM (GAAP) NIM (non-GAAP) HE Net Interest Income
Slide 5: Assets
Total Assets 2 < = - & a T T T T T Q3 2023 Q4 2023 QI 2024 Q2 2024 Q3 2024
Slide 6: Loans
Total Loans 2 < = - & a T T T T T Q3 2023 Q4 2023 QI 2024 Q2 2024 Q3 2024
Slide 7: Deposits
Total Deposits 2 < = - & a T T T T T Q3 2023 Q4 2023 QI 2024 Q2 2024 Q3 2024
Slide 8: Shareholders' Equity
Total Shareholders’ Equity $6.4 $5.5 $5.4 $5.4 : 7 7 ’ Q3 2023 Q4 2023 QI 2024 Q2 2024 Q3 2024 a < = 5 -—| a
Slide 9: Non-Performing Assets as a percentage of Total Assets
Non-Performing Assets as a percentage of Total Assets Q3 2023 Q4 2023 QI 2024 Q2 2024 Q3 2024
Slide 10: Selected financial highlights
Pre-tax income, excluding provision for credit losses (non-GAAP) (2) 255,043 251,404 244,781 1 4 Cash dividends declared per common share 0.45 0.45 0.40 — 13 Net interest income 502,583 470,610 462,358 7 9 Net interest margin – fully taxable-equivalent (non-GAAP) (2) 3.51 3.52 3.62 (1) (11) Return o
Slide 11: Allowance for credit losses and net charge-offs
Second Quarter 2024 1 6 0 Fourth Quarter 2023 3 (67) 0 Cumulative effect adjustment from the adoption of ASU 2022-02 — — — — — — 741 Provision for credit losses - Day 1 on non-PCD assets acquired during the period 15,547 — — — — 15,547 — Other adjustments 30 (19) (31) 62 (60) (20) (15) Commercial 22