Wintrust Financial Corporation · NASDAQ:WTFC
Wintrust Financial — Q1 2022 Earnings Presentation
14 slides from Wintrust Financial's earnings presentation, Apr 19, 2022
Slide 1: Net Income - 5 Quarter Trend
Net Income - 5 Quarter Trend 2 g = = -_| a Q1 2021 Q2 2021 Q3 2021 Q4 2021 Q1 2022
Slide 2: Pre-tax income, excluding provision for credit losses (non-GAAP) - 5 Quarter Trend
2 g = 2 = a Pre-tax income, excluding provision for credit losses, (non-GAAP) - 5 Quarter Trend $180 $165 $150 $135 $120 $105 $90 $75 $60 $161.5 Q1 2021 $128.9 Q2 2021 $141.8 Q3 2021 Q4 2021 $177.8 Q1 2022
Slide 3: Pre-tax income, excluding provision for credit losses - Q1 2022 compared to Q4 2021
Pre-tax income, excluding provision for credit losses (non-GAAP) - Q1 2022 compared to Q4 2021 $190 $6.7 “s $180 $24.1 ee ee eee $170 $(5.2) $160 $150 $140 $130 $120 $110 $100 $90 T T T T T T T T Q4 2021 Net Mortgage — Gains/Losses All other Salaries and All other QI 2022 Interest Banking on non-int
Slide 4: Net Interest Income - Q1 2022 compared to Q4 2021
Net Interest Income - Q1 2022 compared to Q4 2021 $16.7 an Ny fez) Ss 2 g = | 2 = a Q4 2021 Earning Asset Growth Two Fewer Days PPP Interest Income QI 2022 and Net Interest Margin Improvement
Slide 5: Net Interest Income
Net Interest Income - 5 Quarter Trend 2 g = = -_| a T T T T T Q1 2021 Q2 2021 Q3 2021 Q4 2021 Q1 2022
Slide 6: Tangible Book Value per Common Share (non-GAAP)
Tangible Book Value per Common Share (non-GAAP) - 5 Quarter Trend QI 2021 Q2 2021 Q3 2021 Q4 2021 Q1 2022
Slide 7: Total Assets
Total Assets - 5 Quarter Trend a < = FI & a T T T T T QI 2021 Q2 2021 Q3 2021 Q4 2021 QI 2022
Slide 8: Total Loans
Total Loans - 5 Quarter Trend a < £ FI & an T T T T T QI 2021 Q2 2021 Q3 2021 Q4 2021 QI 2022 Total Loans, excluding PPP loans PPP Loans
Slide 9: Total Deposits
Total Deposits - 5 Quarter Trend a < = FI & a T T T T T Qi 2021 Q2 2021 Q3 2021 Q4 2021 QI 2022
Slide 10: Total Interest-Bearing Deposits with Banks, Securities Purchased under Resale Agreements and Cash Equivalents
*Total Interest-Bearing Deposits with Banks, Securities Purchased under Resale Agreements and Cash Equivalents
Slide 11: Non-Performing Assets as a percentage of Total Assets
Non-Performing Assets as a percentage of Total Assets - 5 Quarter Trend T T T T T QI 2021 Q2 2021 Q3 2021 Q4 2021 QI 2022
Slide 12: Annualized Quarterly Net Charge-Offs as a percentage of Average Total Loans
Annualized Quarterly Net Charge-Offs as a percentage of Average Total Loans - 5 Quarter Trend e 0.00% e © QI 2021 Q2 2021 Q3 2021 Q4 2021 QI 2022
Slide 13: Selected financial highlights and quarterly trends
Pre-tax income, excluding provision for credit losses (non-GAAP) (2) 177,786 146,344 161,512 21 10 Cash dividends declared per common share 0.34 0.31 0.31 10 10 Net interest income 299,294 295,976 261,895 1 14 Net interest margin – fully taxable-equivalent (non-GAAP) (2) 2.61 2.55 2.54 6 7 Return on
Slide 14: Allowance for credit losses and net charge-offs
Fourth Quarter 2021 0 2 34 Second Quarter 2021 0 -1 -3 Provision for credit losses 4,106 9,299 (7,916) (15,299) (45,347) Other adjustments 22 5 (65) 34 31 Commercial 1,414 4,431 1,352 3,237 11,781 Home equity 197 135 59 142 — Premium finance receivables 1,678 2,314 1,390 2,077 3,239 Total charge-off