Wintrust Financial Corporation · NASDAQ:WTFC
Wintrust Financial — Q4 2021 Earnings Presentation
11 slides from Wintrust Financial's earnings presentation, Jan 19, 2022
Slide 1: Pre-tax income, excluding provision for credit losses (non-GAAP) - Q4 2021 compared to Q3 2021
ons = & a Pre-tax income, excluding provision for credit losses (non-GAAP) - Q4 2021 compared to Q3 2021 $190 $180 $170 $160 $150 $140 $130 $120 $110 $100 $90 T Q3 2021 T T Net PPP Interest Interest Income Income (excl. PPP Int. Inc.) T Mortgage Banking Revenue T Salaries and Employee Benefits T Inc
Slide 2: Net Income
Net Income 10 Year CAGR of 20% $466.2 $343.2 5355.7 $293.0 $257.7 $206.9 $156.7 $137.2 S1514 $111.2 $77.6 a | 2011-2012, 2013) 2014. 2015 2016 = 2017, 2018 = 2019 2020S 2021 a < s = = = HF
Slide 3: Tangible Book Value per Common Share (non-GAAP)
Tangible Book Value per Common Share (non-GAAP) - 10 Year CAGR of 8% 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021
Slide 4: Stock Price and Common Stock Dividends Paid
Stock Price - 10 Year CAGR of 12.5% Common Stock Dividends Paid - 10 Year CAGR 21.3% $100.00 $90.82 $46.12 $46.76 $48.52 2011-2012). 2013) 2014. 2015, 2016 = 2017'S 2018 »=— 2019S 2020S 2021 Market price per common share ~~ ~~ Cash dividends declared per common share
Slide 5: Total Assets
Total Assets 10 Year CAGR of 12% a < £ FI & an T T T T T T T T T 2011 2012 2013 2014 2015 2016 2017 2018 2019
Slide 6: Total Loans
Total Loans - 10 Year CAGR of 12% 2 1 = = i ] = A 2011 2012 = 2013 2014-2015 2016 =62017- Ss 2018 = 2019 = 2020 { Total Loans, excluding PPP loans PPP Loans
Slide 7: Total Deposits
Total Deposits 10 Year CAGR of 13% $30.1 $26.1 $23.2 $21.7 $18.6 $16.3 $14.4 $14.7 7 | | l] 2011 2012 = 2013 2014-2015 2016 =. 2017, 2018 = 2019 2020. 2021 2 = = =| ==) = 4 hr
Slide 8: Non-Performing Assets as a percentage of Total Assets
Non-Performing Assets as a percentage of Total Assets T T T T T T T T T T 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021
Slide 9: Annualized Net Charge-Offs as a percentage of Average Total Loans
Annualized Net Charge-Offs as a percentage of Average Total Loans 1.20% 4 @ ors ) 0.09% 0.07% 0.09% T T T T T T T T T T 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021
Slide 10: Selected financial highlights and statements of income data
Pre-tax income, excluding provision for credit losses (non-GAAP) (2) 146,344 141,826 135,891 3 8 Cash dividends declared per common share 0.31 0.31 0.28 — 11 Net interest income 295,976 287,496 259,397 3 14 Net interest margin – fully taxable-equivalent (non-GAAP) (2) 2.55 2.59 2.54 (4) 1 Return on
Slide 11: Allowance for credit losses and net charge-offs
Third Quarter 2021 0 -2 -1 First Quarter 2021 0 -3 -6 Cumulative effect adjustment from the adoption of ASU 2016-13 — — — — — 47,418 Initial allowance for credit losses recognized on PCD assets acquired during the period (1) 470 — — — — 470 — Charge-offs: Commercial real estate 495 406 1,412 980 6,6