Wintrust Financial Corporation · NASDAQ:WTFC
Wintrust Financial — Q2 2019 Earnings Presentation
9 slides from Wintrust Financial's earnings presentation, Jul 16, 2019
Slide 1: Pre-Tax Income: Q2 2019 compared to Q1 2019
Sin Thousands $140,000 $135,000 $130,000 $125,000 $120,000 $115,000 $110,000 $105,000 $100,000 $95,000 Pre-Tax Income: Q2 2019 compared to QI 2019 s19.283 a, $4,216 S(LM41) kuissss fy soo) — $2987) 361) NE S078 $(13.956) 56457) ©1209 Stren Mage Fest Sitsend Attn Micelaons ter 2209 thet fC Bang’ Coed
Slide 2: MSR Valuation Adjustment footnote
*See Table 16 in this report for the MSR Valuation Adjustment, net of gain on derivative contract held as an economic hedge.
Slide 3: Net Income - 5 Quarter Trend
Net Income - 5 Quarter Trend so19 $90 $89.6 $89.1 sss SBLS $79.7 = sso sto $65 T T T T T Q2 2018 93 2018 42018 Qi 2019 22019
Slide 4: Total Loans
Sin Billions $26.0 $25.0 $240 $23.0 $21.0 ' || Q2 2018 Total Loans - 5 Quarter Trend $24.2 $238 L $253 Q3 2018 Q4 2018 Qt 2019 Q2 2019
Slide 5: Total Deposits
Es $280 $270 $260 $25.0 $24.0 $23.0 S244 Total Depos its - 5 Quarter Trend $268 $26.1 Q2 2018 Q3 2018, Qa 2018 12019 22019
Slide 6: Mortgage Originations for Sale (Purchased vs. Refinanced)
Mortgage O1 iginations for Sale (Purchased ys. Refinanced) - 5 Quarter Trend $1,200 S115? SLIS4 $1,096 $1,100 2n $1,000 $223, $928 $900 800 S264 $700 $600 $500 400 $300 Soot $200 asi 100 so $430 $678 $227 $873, $880 S724 Q3 2018 Q4 2018, Qi 2019 Q22019 Purchased Refinanced
Slide 7: Non-Performing Assets as a Percentage of Total Assets
Non-Performing Assets as a Percentage of Total Assets - 5 Quarter Trend 055% 050% 0.45% sare e 043% e 0.406 0.40% 0.40% e e 035% : : - ; ; Q2 2018 Q3 2018 Q4 2018, 12019 2.2019
Slide 8: Summary of Results: Balance Sheet
SUMMARY OF RESULTS: BALANCE SHEET Total assets grew by $1.3 billion in the second quarter of 2019 primarily driven by $1.1 billion of loan growth as well as an increase in mortgage loans held-for-sale of $146.4 million. There were no material additions to the Company's investment portfolio during th
Slide 9: Variable rate loans tied to LIBOR and Allowance for Credit Losses
Source: Bloomberg As noted in the table on the previous page, the majority of the Company’s portfolio is tied to LIBOR indices which, as shown in the table above, do not mirror the same increases as the Prime rate when the Federal Reserve raises interest rates. Specifically, the Company has $8.5 bil