财务数据和关键指标变化 - 公司报告第二季度净收益1.52亿美元,上半年净收益3.4亿美元,创历史新高 [11] - 贷款增长13%,存款增长14%,体现公司在芝加哥、中西部和特色业务领域持续获得市场份额 [11][12][15][16] - 净利差为3.52%,与预期一致,与贷款和存款增长相结合,使得净利息收入创纪录达4.71亿美元 [13][19][21] - 拨备计提4.01亿美元,高于上季度的2.17亿美元,主要由于贷款强劲增长和净核销略有上升 [22] 各条业务线数据和关键指标变化 - 商业保费贷款增长8.59亿美元,受益于保费市场硬化和行业整合带来的新机会 [34][35][36][37] - 核心商业贷款增长3.5亿美元,主要来自银行业格局变化带来的优质机会 [36] - 商业房地产和租赁业务也实现了良好增长 [36] 各个市场数据和关键指标变化 - 公司在芝加哥、中西部和特色业务领域持续获得市场份额 [11][12][15][16] - 商业保费贷款增长受益于保费市场硬化和行业整合 [34][35][36][37] 公司战略和发展方向及行业竞争 - 公司专注于通过多元化业务模式和优质客户服务在目标市场保持领先地位 [18][49] - 正积极推进收购Macatawa Bank的交易,预计将于2024年第三季度完成 [50][51][52][53] 管理层对经营环境和未来前景的评论 - 管理层对公司未来前景保持乐观,认为公司有望继续保持中高单位数的贷款增长 [49][56][57] - 预计净利差将保持在3.5%左右的较窄区间,净利息收入有望继续增长 [21][82][83] 其他重要信息 - 公司持续保持良好的资本水平,并计划在未来适当时机将普通股权一级资本提升至10%以上 [116][117] - 公司积极优化分支机构网络,出售了一家位于芝加哥市中心的分行 [28] 问答环节重要的提问和回答 问题1 **Jon Arfstrom 提问** 对于未来几个季度的贷款增长预期,是否会有所放缓 [55][56][57] **Richard Murphy 回答** 第三季度贷款增长预计仍将保持在中高单位数的水平,第四季度可能会有所放缓 [56][57][58] 问题2 **Casey Haire 提问** 存款成本在未来几个季度的变化情况 [63][64][65][66][67] **Tim Crane 和 David Stoehr 回答** 存款成本预计将呈现单位数的小幅上升,公司将密切关注并及时调整定价 [64][65][66][67] 问题3 **Chris McGratty 提问** 如果未来利率下降,对公司的净利差会产生多大影响 [81][82][83] **David Stoehr 回答** 即使未来利率下降,公司预计也能将净利差维持在3.25%-3.5%的较窄区间 [82][83]

For the quarter ended June 2024, Wintrust Financial (WTFC) reported revenue of $591.76 million, up 5.6% over the same period last year. EPS came in at $2.32, compared to $2.38 in the year-ago quarter.The reported revenue represents a surprise of +1.08% over the Zacks Consensus Estimate of $585.46 million. With the consensus EPS estimate being $2.40, the EPS surprise was -3.33%.While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determi ...

Wintrust Financial (WTFC) came out with quarterly earnings of $2.32 per share, missing the Zacks Consensus Estimate of $2.40 per share. This compares to earnings of $2.38 per share a year ago. These figures are adjusted for non-recurring items.This quarterly report represents an earnings surprise of -3.33%. A quarter ago, it was expected that this bank holding company would post earnings of $2.42 per share when it actually produced earnings of $2.89, delivering a surprise of 19.42%.Over the last four quarte ...

Exhibit 99.1 Wintrust Financial Corporation 9700 W. Higgins Road, Suite 800, Rosemont, Illinois 60018 News Release FOR IMMEDIATE RELEASE July 17, 2024 FOR MORE INFORMATION CONTACT: Timothy S. Crane, President & Chief Executive Officer David A. Dykstra, Vice Chairman & Chief Operating Officer (847) 939-9000 Web site address: www.wintrust.com Wintrust Financial Corporation Reports Record Year-to-Date Net Income ROSEMONT, ILLINOIS – Wintrust Financial Corporation ("Wintrust", "the Company", "we" or "our") (Nas ...

文章核心观点 - 公司在2024年上半年实现创纪录的净利润,主要得益于贷款和存款的强劲增长以及净利差的稳定 [1][3][7] - 公司在2024年第二季度实现了较高的贷款和存款增长,分别达到13%和14%的年化增长率 [7][12][13] - 公司的资产质量保持良好,不良贷款率较低,拨备水平适当 [8][17][18][21] - 公司宣布完成对Macatawa Bank Corporation的收购,将进一步拓展在密歇根州的业务 [9][10] 根据目录分别总结 资产负债表 - 公司总资产在2024年第二季度增加了22亿美元,达到约598亿美元 [12] - 贷款净额增加了14亿美元,达到约447亿美元,增长主要来自各类贷款组合 [12] - 存款增加了16亿美元,达到约480亿美元,其中活期存款占比21% [13] 净利息收入 - 第二季度净利息收入增加了640万美元,主要由于生息资产平均余额增加所致 [15] - 净利差下降7个基点至3.50%,主要是由于付息负债利率上升所致 [16] 资产质量 - 贷款拨备余额为4.38亿美元,较上季度增加1010万美元 [17][18] - 不良贷款余额为1.74亿美元,占贷款总额的0.39% [21] - 净核销率为0.28%,处于较低水平 [19] 非利息收入 - 财富管理收入保持稳定 [23] - 抵押贷款业务收入增加150万美元 [24] - 投资证券交易损失4.28百万美元 [25] - 期权交易收入下降2.79百万美元 [26] - 其他收入下降1300万美元,主要是由于上季度出售RBA业务产生的20百万美元收益 [27] 非利息支出 - 人工成本增加340万美元,主要是绩效薪酬上升所致 [28] - 广告营销费用增加440万美元,主要是季节性体育赞助费用增加 [29] - FDIC保险费用下降410万美元,主要是上季度计提的特别评估费用所致 [30] 业务单元表现 - 社区银行业务贷款和存款均保持良好增长 [33][35] - 专业金融业务保费融资和租赁业务规模持续扩大 [36] - 财富管理业务收入保持稳定,管理资产规模约482亿美元 [37]

ROSEMONT, Ill., July 17, 2024 (GLOBE NEWSWIRE) -- Wintrust Financial Corporation (“Wintrust”, “the Company”, “we” or “our”) (Nasdaq: WTFC) announced record net income of $339.7 million or $5.21 per diluted common share for the first six months of 2024 compared to net income of $334.9 million or $5.18 per diluted common share for the same period of 2023. Pre-tax, pre-provision income (non-GAAP) for the first six months of 2024 totaled a record $523.0 million, compared to $506.5 million in the first six month ...

In its upcoming report, Wintrust Financial (WTFC) is predicted by Wall Street analysts to post quarterly earnings of $2.40 per share, reflecting an increase of 0.8% compared to the same period last year. Revenues are forecasted to be $585.46 million, representing a year-over-year increase of 4.4%.Over the last 30 days, there has been a downward revision of 0.7% in the consensus EPS estimate for the quarter, leading to its current level. This signifies the covering analysts' collective reconsideration of the ...

Wintrust Financial (WTFC) is expected to deliver a year-over-year increase in earnings on higher revenues when it reports results for the quarter ended June 2024. This widely-known consensus outlook gives a good sense of the company's earnings picture, but how the actual results compare to these estimates is a powerful factor that could impact its near-term stock price.The earnings report, which is expected to be released on July 17, 2024, might help the stock move higher if these key numbers are better tha ...

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, 2024 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 _______________________________ ...

Exhibit 99.1 Wintrust Financial Corporation 9700 W. Higgins Road, Suite 800, Rosemont, Illinois 60018 News Release FOR IMMEDIATE RELEASE April 17, 2024 FOR MORE INFORMATION CONTACT: Timothy S. Crane, President & Chief Executive Officer David A. Dykstra, Vice Chairman & Chief Operating Officer (847) 939-9000 Web site address: www.wintrust.com Wintrust Financial Corporation Reports Record First Quarter 2024 Net Income ROSEMONT, ILLINOIS – Wintrust Financial Corporation (“Wintrust”, “the Company”, “we” or “our ...