Wintrust Financial Corporation · NASDAQ:WTFC
Wintrust Financial — Q2 2024 Earnings Presentation
10 slides from Wintrust Financial's earnings presentation, Jul 17, 2024
Slide 1: Net Income
Net Income 2 g -} z A | a Q2 2023 Q3 2023 Q4 2023 QI 2024 Q2 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 Q2 2023 Q3 2023 T Q4 2023 T Q1 2024 T Q2 2024
Slide 3: Retirement Benefits Advisors
*Retirement Benefits Advisors
Slide 4: Net Interest Income and Net Interest Margin ("NIM")
Net Interest Income and Net Interest Margin ("NIM") $462.4 $470.0 $470.6 2 g } z | a Q2 2023 Q3 2023 Q4 2023 QI 2024 Q2 2024 NIM (GAAP) NIM (non-GAAP) HE Net Interest Income
Slide 5: Total Assets
Total Assets 2 < = a & a T T T T T Q2 2023 Q3 2023 Q4 2023 QI 2024 Q2 2024
Slide 6: Total Loans
Total Loans 2 < = a & a T T T T T Q2 2023 Q3 2023 Q4 2023 QI 2024 Q2 2024
Slide 7: Total Deposits
Total Deposits 2 < = a = a T T T T T Q2 2023 Q3 2023 Q4 2023 QI 2024 Q2 2024
Slide 8: Non-Performing Assets as a percentage of Total Assets
Non-Performing Assets as a percentage of Total Assets _--@e---@---@-"—" e- Q2 2023 Q3 2023 Q4 2023 QI 2024 Q2 2024
Slide 9: Selected financial highlights and non-GAAP measures
Pre-tax income, excluding provision for credit losses (non-GAAP) (2) 251,404 271,629 239,944 (7) 5 Cash dividends declared per common share 0.45 0.45 0.40 — 13 Net interest income 470,610 464,194 447,537 1 5 Net interest margin – fully taxable-equivalent (non-GAAP) (2) 3.52 3.59 3.66 (7) (14) Return
Slide 10: Allowance for credit losses and net charge-offs
First Quarter 2024 (2) 24 0 Third Quarter 2023 18 6 25 Cumulative effect adjustment from the adoption of ASU 2022-02 — — — — — — 741 Other adjustments (19) (31) 62 (60) 41 (50) 45 Commercial 9,584 11,215 5,114 2,427 5,629 20,799 8,172 Home equity — 74 — 227 — 74 — Premium finance receivables - prope