Call reports 2025
WINTRUST BANK, NATIONAL ASSOCIATION — 2025
What WINTRUST BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 9,641,519,000 | 9,563,900,000 | 9,404,818,000 | 9,575,716,000 |
| Total loans | 7,760,036,000 | 7,925,769,000 | 7,784,047,000 | 7,861,122,000 |
| Allowance for loan losses | 76,791,000 | 89,284,000 | 85,104,000 | 75,997,000 |
| Securities available for sale | 343,737,000 | 335,904,000 | 362,823,000 | 366,264,000 |
| Securities held to maturity | 196,703,000 | 194,627,000 | 192,364,000 | 186,652,000 |
| Trading assets | 52,518,000 | 49,455,000 | 47,234,000 | 43,694,000 |
| Total deposits | 8,356,958,000 | 8,303,944,000 | 8,156,729,000 | 8,334,919,000 |
| Interest-bearing deposits | 5,854,620,000 | 5,962,438,000 | 5,829,709,000 | 5,843,410,000 |
| Noninterest-bearing deposits | 2,502,338,000 | 2,341,506,000 | 2,327,020,000 | 2,491,509,000 |
| Equity capital | 1,077,306,000 | 1,068,072,000 | 1,068,799,000 | 1,059,419,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 131,180,000 | 264,984,000 | 399,135,000 | 532,762,000 |
| Interest expense | 45,033,000 | 89,926,000 | 135,928,000 | 178,951,000 |
| Net interest income | 86,147,000 | 175,058,000 | 263,207,000 | 353,811,000 |
| Noninterest income | 28,326,000 | 61,579,000 | 94,976,000 | 129,202,000 |
| Noninterest expense | 53,160,000 | 109,820,000 | 165,977,000 | 221,748,000 |
| Provision for loan losses | 2,096,000 | 20,435,000 | 29,829,000 | 31,665,000 |
| Pretax income | 61,304,000 | 112,250,000 | 170,137,000 | 237,991,000 |
| Income tax | 14,777,000 | 27,445,000 | 42,113,000 | 58,838,000 |
| Net income | 46,527,000 | 84,805,000 | 128,024,000 | 179,153,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,043,881,000 | 1,024,091,000 | 1,019,290,000 | 1,012,547,000 |
| Total capital | 1,139,702,000 | 1,128,744,000 | 1,118,489,000 | 1,102,033,000 |
| Risk-weighted assets | 8,987,832,000 | 9,064,031,000 | 8,780,004,000 | 8,794,467,000 |