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Section 1: 10-Q (10-Q)

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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, 2020
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
_____________________________________ 
WINTRUST FINANCIAL CORPORATION
(Exact name of registrant as specified in its charter) 
Illinois
36-3873352
(State of incorporation or organization)
(I.R.S. Employer Identification No.)
9700 W. Higgins Road, Suite 800
Rosemont, Illinois 60018
(Address of principal executive offices)
(847939-9000
(Registrant’s telephone number, including area code)
Title of Each Class
 Ticker Symbol
Name of Each Exchange on Which Registered
Common Stock, no par value
WTFC
The NASDAQ Global Select Market
Series D Preferred Stock, no par value
WTFCM
The NASDAQ Global Select Market
______________________________________ 
Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.    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 be submitted and posted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was 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 growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company,” and “emerging growth company” in Rule 12b-2 of the Exchange Act. (Check one):
Large accelerated filer
 
 
 
Accelerated filer
 
Non-accelerated filer
 
(Do not check if a smaller reporting company)
 
Smaller reporting company
 
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 revised financial 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 Rule 12b-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, 57,569,421 shares, as of April 30, 2020
 


Table of Contents

TABLE OF CONTENTS
 
 
 
Page
 
PART I. — FINANCIAL INFORMATION
 
ITEM 1.
ITEM 2.
ITEM 3.
ITEM 4.
 
PART II. — OTHER INFORMATION
 
ITEM 1.
ITEM 1A.
ITEM 2.
ITEM 3.
Defaults Upon Senior Securities
NA
ITEM 4.
Mine Safety Disclosures
NA
ITEM 5.
Other Information
NA
ITEM 6.
 


Table of Contents

PART I
ITEM 1. FINANCIAL STATEMENTS
WINTRUST FINANCIAL CORPORATION AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF CONDITION
 
(Unaudited)
 
 
 
(Unaudited)
(In thousands, except share data)
March 31,
2020
 
December 31,
2019
 
March 31,
2019
Assets
 
 
 
 
 
Cash and due from banks
$
349,118

 
$
286,167

 
$
270,765

Federal funds sold and securities purchased under resale agreements
309

 
309

 
58

Interest bearing deposits with banks
1,943,743

 
2,164,560

 
1,609,852

Available-for-sale securities, at fair value
3,570,959

 
3,106,214

 
2,185,782

 Held-to-maturity securities, at amortized cost, net of allowance for credit losses of $70 at March 31, 2020 ($879.2 million, $1.1 billion and $1.0 billion fair value at March 31, 2020, December 31, 2019 and March 31, 2019 respectively)
865,376

 
1,134,400

 
1,051,542

Trading account securities
2,257

 
1,068

 
559

Equity securities with readily determinable fair value
47,310

 
50,840

 
47,653

Federal Home Loan Bank and Federal Reserve Bank stock
134,546

 
100,739

 
89,013

Brokerage customer receivables
16,293

 
16,573

 
14,219

Mortgage loans held-for-sale, at fair value
656,934

 
377,313

 
248,557

Loans, net of unearned income
27,807,321

 
26,800,290

 
24,214,629

Allowance for loan losses
(216,050
)
 
(156,828
)
 
(158,212
)
Net loans
27,591,271

 
26,643,462

 
24,056,417

Premises and equipment, net
764,583

 
754,328

 
676,037

Lease investments, net
207,147

 
231,192

 
224,240

Accrued interest receivable and other assets
1,460,168

 
1,061,141

 
888,492

Trade date securities receivable
502,207

 

 
375,211

Goodwill
643,441

 
645,220

 
573,658

Other intangible assets
44,185

 
47,057

 
46,566

Total assets
$
38,799,847

 
$
36,620,583

 
$
32,358,621

Liabilities and Shareholders’ Equity
 
 
 
 
 
Deposits:
 
 
 
 
 
Non-interest bearing
$
7,556,755

 
$
7,216,758

 
$
6,353,456

Interest bearing
23,904,905

 
22,890,380

 
20,451,286

Total deposits
31,461,660

 
30,107,138

 
26,804,742

Federal Home Loan Bank advances
1,174,894

 
674,870

 
576,353

Other borrowings
487,503

 
418,174

 
372,194

Subordinated notes
436,179

 
436,095

 
139,235

Junior subordinated debentures
253,566

 
253,566

 
253,566

Accrued interest payable and other liabilities
1,285,652

 
1,039,490

 
840,559

Total liabilities
35,099,454

 
32,929,333

 
28,986,649

Shareholders’ Equity:
 
 
 
 
 
Preferred stock, no par value; 20,000,000 shares authorized at March 31, 2020, December 31, 2019 and March 31, 2019; Series D - $25 liquidation value; 5,000,000 shares issued and outstanding at March 31, 2020, December 31, 2019 and March 31, 2019
125,000

 
125,000

 
125,000

Common stock, no par value; $1.00 stated value; 100,000,000 shares authorized at March 31, 2020, December 31, 2019 and March 31, 2019; 58,266,136 shares issued at March 31, 2020, 57,950,803 shares issued at December 31, 2019 and 56,765,450 shares issued at March 31, 2019
58,266

 
57,951

 
56,765

Surplus
1,652,063

 
1,650,278

 
1,565,185

Treasury stock, at cost, 720,784 shares at March 31, 2020, 128,912 shares at December 31, 2019, and 126,482 shares at March 31, 2019
(44,891
)
 
(6,931
)
 
(6,650
)
Retained earnings
1,917,558

 
1,899,630

 
1,682,016

Accumulated other comprehensive loss
(7,603
)
 
(34,678
)
 
(50,344
)
Total shareholders’ equity
3,700,393

 
3,691,250

 
3,371,972

Total liabilities and shareholders’ equity
$
38,799,847

 
$
36,620,583

 
$
32,358,621

See accompanying notes to unaudited consolidated financial statements.

1

Table of Contents

WINTRUST FINANCIAL CORPORATION AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF INCOME (UNAUDITED)
 
Three Months Ended
(In thousands, except per share data)
March 31,
2020
 
March 31,
2019
Interest income
 
 
 
Interest and fees on loans
$
301,839

 
$
296,987

Mortgage loans held-for-sale
3,165

 
2,209

Interest bearing deposits with banks
4,768

 
5,300

Federal funds sold and securities purchased under resale agreements
86

 

Investment securities
32,467

 
27,956

Trading account securities
7

 
8

Federal Home Loan Bank and Federal Reserve Bank stock
1,577

 
1,355

Brokerage customer receivables
158

 
155

Total interest income
344,067

 
333,970

Interest expense
 
 
 
Interest on deposits
67,435

 
60,976

Interest on Federal Home Loan Bank advances
3,360

 
2,450

Interest on other borrowings
3,546

 
3,633

Interest on subordinated notes
5,472

 
1,775

Interest on junior subordinated debentures
2,811

 
3,150

Total interest expense
82,624

 
71,984

Net interest income
261,443

 
261,986

Provision for credit losses
52,961

 
10,624

Net interest income after provision for credit losses
208,482

 
251,362

Non-interest income
 
 
 
Wealth management
25,941

 
23,977

Mortgage banking
48,326

 
18,158

Service charges on deposit accounts
11,265

 
8,848

(Losses) gains on investment securities, net
(4,359
)
 
1,364

Fees from covered call options
2,292

 
1,784

Trading gains (losses), net
(451
)
 
(171
)
Operating lease income, net
11,984

 
10,796

Other
18,244

 
16,901

Total non-interest income
113,242

 
81,657

Non-interest expense
 
 
 
Salaries and employee benefits
136,762

 
125,723

Equipment
14,834

 
11,770

Operating lease equipment depreciation
9,260

 
8,319

Occupancy, net
17,547

 
16,245

Data processing
8,373

 
7,525

Advertising and marketing
10,862

 
9,858

Professional fees
6,721

 
5,556

Amortization of other intangible assets
2,863

 
2,942

FDIC insurance
4,135

 
3,576

OREO expense, net
(876
)
 
632

Other
24,160

 
22,228

Total non-interest expense
234,641

 
214,374

Income before taxes
87,083

 
118,645

Income tax expense
24,271

 
29,499

Net income
$
62,812

 
$
89,146

Preferred stock dividends
2,050

 
2,050

Net income applicable to common shares
$
60,762

 
$
87,096

Net income per common share—Basic
$
1.05

 
$
1.54

Net income per common share—Diluted
$
1.04

 
$
1.52

Cash dividends declared per common share
$
0.28

 
$
0.25

Weighted average common shares outstanding
57,620

 
56,529

Dilutive potential common shares
575

 
699

Average common shares and dilutive common shares
58,195

 
57,228

See accompanying notes to unaudited consolidated financial statements.

2

Table of Contents

WINTRUST FINANCIAL CORPORATION AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (UNAUDITED)
 
 
Three Months Ended
(In thousands)
March 31,
2020
 
March 31,
2019
Net income
$
62,812

 
$
89,146

Unrealized gains on available-for-sale securities
 
 
 
Before tax
91,354

 
38,275

Tax effect
(24,347
)
 
(10,319
)
Net of tax
67,007

 
27,956

Reclassification of net gains (losses) on available-for-sale securities included in net income
 
 
 
Before tax
491

 
(67
)
Tax effect
(132
)
 
18

Net of tax
359

 
(49
)
Reclassification of amortization of unrealized gains on investment securities transferred to held-to-maturity from available-for-sale
 
 
 
Before tax
78

 
144

Tax effect
(21
)
 
(41
)
Net of tax
57

 
103

Net unrealized gains on available-for-sale securities
66,591

 
27,902

Unrealized losses on derivative instruments
 
 
 
Before tax
(38,693
)
 
(4,996
)
Tax effect
10,322

 
1,345

Net unrealized losses on derivative instruments
(28,371
)
 
(3,651
)
Foreign currency adjustment
 
 
 
Before tax
(14,333
)
 
2,891

Tax effect
3,188

 
(614
)
Net foreign currency adjustment
(11,145
)
 
2,277

Total other comprehensive income
27,075

 
26,528

Comprehensive income
$
89,887

 
$
115,674

See accompanying notes to unaudited consolidated financial statements.

3

Table of Contents

WINTRUST FINANCIAL CORPORATION AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS’ EQUITY (UNAUDITED)
(In thousands)
Preferred
stock
 
Common
stock
 
Surplus
 
Treasury
stock
 
Retained
earnings
 
Accumulated other
comprehensive loss
 
Total shareholders’ equity
Balance at January 1, 2019
$
125,000

 
$
56,518

 
$
1,557,984

 
$
(5,634
)
 
$
1,610,574

 
$
(76,872
)
 
$
3,267,570

Cumulative effect adjustment from the adoption of ASU 2017-08

 

 

 

 
(1,531
)
 

 
(1,531
)
Net income

 

 

 

 
89,146

 

 
89,146

Other comprehensive income, net of tax

 

 

 

 

 
26,528

 
26,528

Cash dividends declared on common stock, $0.25 per share

 

 

 

 
(14,123
)
 

 
(14,123
)
Dividends on preferred stock, $0.41 per share

 

 

 

 
(2,050
)
 

 
(2,050
)
Stock-based compensation

 

 
3,318

 

 

 

 
3,318

Common stock issued for:
 
 
 
 
 
 
 
 
 
 
 
 
 
Exercise of stock options and warrants

 
79

 
2,864

 
(575
)
 

 

 
2,368

Restricted stock awards

 
139

 
(139
)
 
(441
)
 

 

 
(441
)
Employee stock purchase plan

 
11

 
672

 

 

 

 
683

Director compensation plan

 
18

 
486

 

 

 

 
504

Balance at March 31, 2019
$
125,000

 
$
56,765

 
$
1,565,185

 
$
(6,650
)
 
$
1,682,016

 
$
(50,344
)
 
$
3,371,972

 
 
 
 
 
 
 
 
 
 
 
 
 
 
Balance at January 1, 2020
$
125,000

 
$
57,951

 
$
1,650,278

 
$
(6,931
)
 
$
1,899,630

 
$
(34,678
)
 
$
3,691,250

Cumulative effect adjustment from the adoption of ASU 2016-13, net of tax

 

 

 

 
(26,717
)
 

 
(26,717
)
Net income

 

 

 

 
62,812

 

 
62,812

Other comprehensive income, net of tax

 

 

 

 

 
27,075

 
27,075

Cash dividends declared on common stock, $0.28 per share

 

 

 

 
(16,117
)
 

 
(16,117
)
Dividends on preferred stock, $0.41 per share

 

 

 

 
(2,050
)
 

 
(2,050
)
Common stock repurchases

 

 

 
(37,116
)
 

 

 
(37,116
)
Stock-based compensation

 

 
(2,819
)
 

 

 

 
(2,819
)
Common stock issued for:
 
 
 
 
 
 
 
 
 
 
 
 
 
Exercise of stock options and warrants

 
95

 
3,543

 
(92
)
 

 

 
3,546

Restricted stock awards

 
190

 
(190
)
 
(752
)
 

 

 
(752
)
Employee stock purchase plan

 
10

 
699

 

 

 

 
709

Director compensation plan

 
20

 
552

 

 

 

 
572

Balance at March 31, 2020
$
125,000

 
$
58,266

 
$
1,652,063

 
$
(44,891
)
 
$
1,917,558

 
$
(7,603
)
 
$
3,700,393

See accompanying notes to unaudited consolidated financial statements.

4

Table of Contents


WINTRUST FINANCIAL CORPORATION AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF CASH FLOWS (UNAUDITED)
 
Three Months Ended
(In thousands)
March 31,
2020
 
March 31,
2019
Operating Activities:
 
 
 
Net income
$
62,812

 
$
89,146

Adjustments to reconcile net income to net cash (used for) provided by operating activities
 
 
 
Provision for credit losses
52,961

 
10,624

Depreciation, amortization and accretion, net
23,376

 
21,197

Stock-based compensation expense
(2,819
)
 
3,318

Net amortization of premium on securities
1,762

 
1,367

Accretion of discount on loans
(10,730
)
 
(5,162
)
Mortgage servicing rights fair value change, net
16,873

 
10,741

Originations and purchases of mortgage loans held-for-sale
(1,216,101
)
 
(678,464
)
Proceeds from sales of mortgage loans held-for-sale
961,842

 
705,785

Bank owned life insurance ("BOLI") loss (income)
1,284

 
(1,591
)
(Increase) decrease in trading securities, net
(1,189
)
 
1,133

Net decrease (increase) in brokerage customer receivables
280

 
(1,610
)
Gains on mortgage loans sold
(51,134
)
 
(18,388
)
Losses (gains) on investment securities, net
4,359

 
(1,364
)
Gains on sales of premises and equipment, net
(4
)
 
(5
)
Net (gains) losses on sales and fair value adjustments of other real estate owned
(1,001
)
 
186

Increase in accrued interest receivable and other assets, net
(214,552
)
 
(29,914
)
Decrease in accrued interest payable and other liabilities, net
(7,829
)
 
(19,314
)
Net Cash (Used for) Provided by Operating Activities
(379,810
)
 
87,685

Investing Activities:
 
 
 
Proceeds from maturities and calls of available-for-sale securities
162,333

 
168,575

Proceeds from maturities and calls of held-to-maturity securities
393,148

 
45,173

Proceeds from sales of available-for-sale securities
491

 
263,456

Proceeds from sales of equity securities with readily determinable fair value
30

 

Proceeds from sales and capital distributions of equity securities without readily determinable fair value
288

 
220

Purchases of available-for-sale securities