Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 _________________________________________ FORM 10-Q _________________________________________ ☑ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2021 OR TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 ☐ For the transition period from to Commission File Number 001-35077 ___________________________ ...

Financial Data and Key Metrics Changes - The income for Q3 2021 was $109 million or $1.77 per diluted common share, with year-to-date income at $367.4 million or $6 per share [7] - Net interest margin decreased by 4 basis points to 2.59%, primarily due to excess liquidity [7] - Net interest income increased by $19.7 million from Q2 2021, totaling $287.5 million for Q3 2021, which is an increase of $31.5 million compared to Q3 2020 [17][18] Business Line Data and Key Metrics Changes - Core loan growth resulted in an overall increase in total loans for the quarter, with loans excluding PPP growing by $1.2 billion, reflecting an annualized growth rate of approximately 15% [10][33] - Wealth Management revenue increased to a record level of $31.5 million in Q3 2021, up 26% from $25 million in the same quarter last year [20] - Mortgage banking revenue increased to $55.8 million in Q3 2021, up from $50.6 million in Q2 2021, despite a decrease in loan origination volume [21] Market Data and Key Metrics Changes - Deposit growth for the quarter was strong at $1.1 billion, with an annualized growth rate of approximately 12% [11] - The company reported a stable credit quality with non-performing loans (NPLs) remaining flat at approximately $90 million or 27 basis points [36] Company Strategy and Development Direction - The company aims to grow through organic means, with a focus on maintaining strong loan pipelines and capitalizing on market disruptions [6][40] - The strategy includes enhancing digital capabilities to compete effectively against larger banks, with two-thirds of checking clients regularly using digital services [13][14] - The company is positioned to take advantage of rising interest rates and is cautious about locking in low long-term yields with excess liquidity [12][40] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in the ability to continue loan growth, citing strong pipelines and market demand [34] - The company anticipates that inflation will persist, impacting both expenses and growth, but expects margin expansion to offset increased costs [62] - Management noted that credit quality remains strong, with low charge-offs and improved loan portfolio characteristics [36][19] Other Important Information - The company repurchased approximately $9.5 million worth of stock at just over $71 per share during the quarter [12] - The net overhead ratio improved to 1.22%, down from 1.32% in the previous quarter, indicating enhanced operational efficiency [29] Q&A Session Summary Question: Loan growth expectations and potential slowdowns - Management indicated that low rates could lead to aggressive pricing from competitors, which might impact growth, but currently sees strong demand and momentum [45][46] Question: Margin stability and potential threats - Management acknowledged that additional liquidity could pressure margins but expects net interest income to grow due to strong loan growth [52][54] Question: Excess liquidity deployment - Management discussed the potential earnings impact of deploying excess liquidity into loans versus cash, emphasizing a cautious long-term approach [59][60] Question: Inflation impact on expenses - Management believes that if inflation rises, margin expansion will likely offset increased expenses, particularly in labor costs [63] Question: Impact of market acquisitions on operations - Management noted that disruptions from market acquisitions can last for an extended period, providing opportunities for growth [71][72]

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 _________________________________________ FORM 10-Q _________________________________________ ☑ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2021 OR TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 ☐ For the transition period from to Commission File Number 001-35077 ________________________________ ...

Wintrust Financial Corporation Earnings Release Presentation Q2 2021 WINTRUST Q2 2021 Highlights Performance Highlights (Q2 2021) Second Quarter 2021 Highlights as compared to First Quarter 2021 vs. Q1 2021 • Total loans, excluding Paycheck Protection Program ("PPP") loans, increased by $1.2 billion or 15%, on an annualized basis. $105.1 million Net Income -$48.0 million Net Income • Total deposits increased by $932 million. • Net interest income increased by $17.7 million primarily due to earning asset gro ...

Wintrust Financial Corporation (NASDAQ:WTFC) Q2 2021 Earnings Conference Call July 20, 2021 12:00 PM ET Company Participants Edward Wehmer - Founder and CEO David Dykstra - VC and COO Rich Murphy - VC and CLO Dave Stoehr - EVP and CFO Tim Crane - President Conference Call Participants Jon Arfstrom - RBC Capital Markets David Long - Raymond James Terry McEvoy - Stephens Brock Vandervliet - UBS Nathan Race - Piper Sandler Michael Young - Truist Securities Chris McGratty - KBW Operator Welcome to Wintrust Fina ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 _________________________________________ FORM 10-Q _________________________________________ ☑ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2021 OR (State of incorporation or organization) (I.R.S. Employer Identification No.) Illinois 36-3873352 9700 W. Higgins Road, Suite 800 Rosemont, Illinois 60018 (Address of principal executive of ...

Wintrust Financial Corporation (NASDAQ:WTFC) Q1 2021 Earnings Conference Call April 20, 2021 11:00 AM ET Company Participants Edward Wehmer - Founder and CEO David Dykstra - VC and COO Rich Murphy - VC and CLO Dave Stoehr - EVP and CFO Tim Crane - President Conference Call Participants Jon Arfstrom - RBC Capital Markets Terry McEvoy - Stephens David Long - Raymond James Nathan Race - Piper Sandler Chris McGratty - KBW Brock Vandervliet - UBS Michael Young - Truist Securities Operator Welcome to Wintrust Fin ...

Wintrust Financial Corporation Earnings Release Presentation Q1 2021 WINTRUST | --- | --- | --- | |--------------------------------------------------------|--------------------------------------------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------| | Q1 2021 H ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 For the Transition Period from to FORM 10-K ☑ Annual Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the fiscal year ended December 31, 2020 ☐ Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Commission File Number 001-35077 Wintrust Financial Corporation (Exact name of registrant as specified in its charter) (State or other jurisdiction of incorporation or organi ...

Wintrust Financial Corporation Earnings Release Presentation Q4 2020 WINTRUST Q4 2020 Highlights Performance Highlights (Q4 2020) Fourth Quarter 2020 Highlights as compared to Third Quarter 2020 vs. Q3 2020 • Total loans, excluding Paycheck Protection Program ("PPP") loans, increased by $607 million primarily due to growth in commercial loans and life insurance premium finance receivables. $101.2 million Net Income $(6.1) million Net Income • Total deposits increased by $1.2 billion, not withstanding the re ...