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, 2022 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 (NASDAQ:WTFC) Q3 2022 Earnings Conference Call October 19, 2022 11:00 AM ET Company Participants Edward Wehmer - Founder & CEO Tim Crane - President David Stoehr - Executive Vice President & CFO Richard Murphy - Vice Chairman & Chief Lending Officer David Dykstra - Vice Chairman & COO Conference Call Participants Jon Arfstrom - RBC Capital Markets David Long - Raymond James Nathan Race - Piper Sandler Terry McEvoy - Stephens Chris McGratty - KBW Brandon King - Truist Operator ...

Wintrust Financial Corporation Earnings Release Presentation Q3 2022 WINTRUST Forward-Looking Statements This document contains forward-looking statements within the meaning of federal securities laws. Forward-looking information can be identified through the use of words such as "intend," "plan," "project," "expect," "anticipate," "believe," "estimate," "contemplate," "possible," "will," "may," "should," "would" and "could." Forward-looking statements and information are not historical facts, are premised ...

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, 2022 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 Performance - Net income was $98.8 million, a decrease of $10.4 million compared to Q1 2022[24] - Diluted EPS was $1.49, a decrease of $0.58 compared to the prior quarter[15] - Net interest margin increased by 32 bps from the prior quarter[12, 138] - Total deposits increased by $0.4 billion from the prior quarter end[62] Loan Portfolio - Total loans increased by $1.8 billion[15] - Total loans, excluding PPP loans, increased by $2.0 billion compared to March 31, 2022[55] - Commercial loans excluding PPP were $12.0 billion[58] Capital and Credit Quality - Tangible book value per common share increased $0.53 from the prior quarter-end to $59.87[98, 100] - Non-performing loans were $72.4 million[15] - Net charge-offs were $9.5 million[15] Digital Adoption - E-Statements as a % of Retail Checking Statements was 56.5%[113] - Approximately 67% of checking clients regularly use the bank's online/mobile offerings[116]

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, 2022 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 Q1 2022 WINTRUST Forward-Looking Statements Pending - Legal This document contains forward-looking statements within the meaning of federal securities laws. Forward-looking information can be identified through the use of words such as "intend," "plan," "project," "expect," "anticipate," "believe," "estimate," "contemplate," "possible," "will," "may," "should," "would" and "could." Forward-looking statements and information are not historical fact ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 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, 2021 ☐ 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 (Exact name of registrant as specified in its charter) (State or other jurisdiction of incorporation or organi ...

Wintrust Financial Corporation (NASDAQ:WTFC) Q4 2021 Earnings Conference Call January 20, 2022 12:00 PM ET Company Participants Edward Wehmer - Founder, Chief Executive Officer Timothy Crane - President David Dykstra - Vice Chairman & Chief Operating Officer Richard Murphy - Vice Chairman & Chief Lending Officer Conference Call Participants Jon Arfstrom - RBC Capital Markets David Long - Raymond James Terry McEvoy - Stephens Inc. Ben Gerlinger - Hovde Group Brock Vandervliet - UBS Chris McGratty - KBW Natha ...

Wintrust Financial Corporation Earnings Release Presentation Q4 2021 WINTRUST Q4 2021 Summary Celebrated Wintrust's 30th anniversary by reporting record annual net income and eclipsing $50 billion in total assets. The fourth quarter of 2021 was characterized by significant loan and deposit growth, increased net interest income, seasonally strong mortgage banking revenue, tangible book value growth and impressive credit quality metrics. 2 | --- | --- | --- | |---------------------------------------------|--- ...