信达金融 2025年季度报告

FORM10-Q_________________________________________ ☑QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period endedMarch31, 2025 OR TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period fromto Commission File Number001-35077 WINTRUST FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Illinois36-3873352(State of incorporation or organization)(I.R.S. Employer Identification No.) 9700 W. Higgins Road, Suite 800Rosemont,Illinois60018(Address of principal executive offices)(847)939-9000(Registrant’s telephone number, including area code) Indicate by check mark whether the registrant (1)has filed all reports required to be filed by Section13 or 15(d) of the Securities Exchange Act of 1934 during thepreceding 12months (or such shorter period that the registrant was required to file such reports), and (2)has been subject to such filing requirements for the past90days.Yes☑No☐ Indicate by check mark whether the registrant has submitted electronically and posted on its corporate Web site, if any, every Interactive Data File required to besubmitted and posted pursuant to Rule405 of RegulationS-T (§232.405 of this chapter) during the preceding 12months (or for such shorter period that the registrantwas required to submit and post such files).Yes☑No☐ Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, smaller reporting company, or an emerging growthcompany. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company,” and “emerging growth company” in Rule 12b-2 of theExchange Act. (Check one): Large accelerated filer☑Acceleratedfiler☐Non-accelerated filer☐(Do not check if a smaller reporting company)Smallerreportingcompany☐Emerging growth company☐ If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revisedfinancial accounting standards provided pursuant to Section 13(a) of the Exchange Act.☐ Indicate by check mark whether the registrant is a shell company (as defined in Rule12b-2 of the Exchange Act).Yes☐No☑ Indicate the number of shares outstanding of each of the issuer’s classes of common stock, as of the latest practicable date. Common Stock — no par value,66,930,326shares, as of April 30, 2025 TABLE OF CONTENTS PART I. — FINANCIAL INFORMATION ITEM1.Financial StatementsITEM2.Management’s Discussion and Analysis of Financial Condition and Results of OperationsITEM3.Quantitative and Qualitative Disclosures About Market RiskITEM4.Controls and ProceduresPART II. — OTHER INFORMATION ITEM1.Legal ProceedingsITEM1A.Risk FactorsITEM2.Unregistered Sales of Equity Securities, Use of Proceeds and Issuer Purchases of Equity SecuritiesITEM3.Defaults Upon Senior SecuritiesITEM4.Mine Safety DisclosuresITEM5.Other InformationITEM6.ExhibitsSignatures PART IITEM1. FINANCIAL STATEMENTS WINTRUST FINANCIAL CORPORATION AND SUBSIDIARIESCONSOLIDATED STATEMENTS OF CONDITION WINTRUST FINANCIAL CORPORATION AND SUBSIDIARIESCONSOLIDATED STATEMENTS OF CASH FLOWS (UNAUDITED) WINTRUST FINANCIAL CORPORATION AND SUBSIDIARIESNOTES TO UNAUDITED CONSOLIDATED FINANCIAL STATEMENTS (1)Basis of Presentation The interim consolidated financial statements of Wintrust Financial Corporation and its subsidiaries (collectively, “Wintrust” or the“Company”) presented herein are unaudited, but in the opinion of management, reflect all necessary adjustments of a normal orrecurring nature for a fair presentation of results as of the dates and for the periods covered by the interim consolidated financialstatements. The accompanying interim consolidated financial statements are unaudited and do not include information or footnotes necessary for acomplete presentation of financial condition, results of operations or cash flows in accordance with U.S. generally accepted accountingprinciples (“GAAP”). The interim unaudited consolidated financial statements should be read in conjunction with the consolidatedfinancial statements and notes included in the Company’s Annual Report on Form 10-K for the year ended December31, 2024 (“2024Form 10-K”). Operating results reported for the period are not necessarily indicative of the results which may be expected for theentire year. Reclassifications of certain prior period amounts have been made to conform to the current period presentation. The preparation of the financial statements requires management to make estimates, assumptions and judgments that affect thereported amounts of assets and liabilities. Management believes that the estimates made are reasonable; however, changes in estimatesmay be required if economic or other conditions develop differently from management’s expectations. Certain policies and accountingprinciples inherently have a greater re