{"schema_version":"secwatch.filing_event.v1","accession":"0001015328-22-000021","form_type":"8-K","ticker":"WTFC","cik":"0001015328","company_name":"WINTRUST FINANCIAL CORP","filed_at":"2022-01-19T23:59:59+00:00","discovered_at":"2026-05-14T18:04:05.064591+00:00","generated_at":"2026-06-27T17:03:39.313671+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Wintrust Q4 net income $98.8M, EPS $1.58; total assets exceed $50B","bullets":["Net income $98.8M ($1.58 diluted EPS) vs $109.1M ($1.77) in Q3 2021 and $101.2M ($1.63) in Q4 2020.","Total assets $50.1B, up $2.3B from Q3; total loans $34.8B (+$1.5B), deposits $42.1B (+$2.1B).","Net interest margin (non-GAAP) 2.55%, down 4 bps; provision for credit losses $9.3M vs negative $7.9M prior quarter.","Tangible book value per common share $59.64, up $1.32 from Q3 and $6.41 YoY.","Record annual net income for 2021; loan growth driven by commercial and premium finance."],"urls":{"canonical":"https://secwatch.observer/filing/0001015328-22-000021","json":"https://secwatch.observer/filing/0001015328-22-000021.json","markdown":"https://secwatch.observer/filing/0001015328-22-000021.md","text":"https://secwatch.observer/filing/0001015328-22-000021.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1015328/000101532822000021/0001015328-22-000021-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1015328/000101532822000021/wtfc-20220119.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-27T17:03:39.313671+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}