---
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"
generated_at: "2026-06-27T17:03:39.313671+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Wintrust Q4 net income $98.8M, EPS $1.58; total assets exceed $50B

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001015328-22-000021
- JSON: https://secwatch.observer/filing/0001015328-22-000021.json
- Plain text: https://secwatch.observer/filing/0001015328-22-000021.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.