secwatch.observer — SEC 8-K summary
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Issuer:     WINTRUST FINANCIAL CORP (WTFC)
CIK:        0001015328
Form:       8-K
Filed at:   2022-01-19T23:59:59+00:00
Accession:  0001015328-22-000021
Event type: earnings
Sentiment:  positive
Materiality: 0.70
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1015328/000101532822000021/0001015328-22-000021-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1015328/000101532822000021/wtfc-20220119.htm
  HTML page:      https://secwatch.observer/filing/0001015328-22-000021

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer