Wintrust financial corp (WTFC)
CashFlow / Yearly
Dec'19Dec'18Dec'17Dec'16Dec'15Dec'14Dec'13Dec'12Dec'11Dec'10Dec'09Dec'08
Operating Activities:
Net Income (Loss) Attributable to Parent

355

343

257

206

156

151

137

111

77

63

73

20

Adjustments to reconcile net income to net cash (used for) provided by operating activities
Provision for Loan, Lease, and Other Losses

53

34

29

34

32

20

46

76

102

124

167

57

Depreciation, amortization and accretion, net

88

67

63

53

41

37

26

24

19

18

20

20

Deferred income tax expense

44

55

63

6

23

4

1

-23

-0

15

-51

-11

Stock-based compensation expense

11

13

12

9

9

7

6

9

5

4

6

9

Tax expense from stock-based compensation arrangements

-

-

-

-

-

-

-

-1

-0

-0

-0

-0

Excess tax benefits from stock-based compensation arrangements

-

-

-

-

-

0

0

0

0

1

0

0

Net amortization of premium on securities

-6

-7

-6

5

3

1

2

-1

-4

-8

-1

2

Accretion of discount on loans

26

20

22

35

34

42

34

-

-

-

-

-

Mortgage servicing rights fair value change, net

35

5

1

3

-0

1

-1

4

4

2

2

2

Originations and purchases of mortgage loans held-for-sale

4,497

3,955

3,692

4,386

3,903

3,182

3,708

3,866

2,545

-

-1,146

-

Originations and purchases of mortgage loans held-for-sale

-

-

-

-

-

-

-

-

-

3,746

4,666

1,553

Proceeds from sales of mortgage loans held-for-sale

4,500

4,100

3,869

4,468

3,971

3,241

3,862

3,865

2,638

3,723

4,503

1,615

Bank owned life insurance (BOLI) loss (income)

4

5

3

3

3

2

3

-

2

2

2

1

Proceeds from sales and securitizations of premium finance receivables held-for-sale

-

-

-

-

-

-

-

-

-

-

462

-

Gain on sales of premium finance receivables

-

-

-

-

-

-

-

-

-

-

8

2

(Increase) decrease in trading securities, net

-0

0

-0

1

-0

0

-0

-1

-2

-28

29

2

Net decrease (increase) in brokerage customer receivables

3

-13

1

-2

3

-6

6

-3

3

3

2

-6

Gains on mortgage loans sold

135

104

88

112

104

75

75

91

41

73

52

13

Marketable Securities, Gain (Loss)

3

-2

0

7

0

-0

-3

4

1

9

-0

-4

Gains on early extinguishment of debt, net

-

-

-

3

0

0

-

-

-

-

-

-

Gain on bargain purchases, net

-

-

-

-

-

-

-

7

37

44

156

-

Gains on sales of premises and equipment, net

-0

-0

0

0

-0

-0

-0

-0

-0

-0

0

-0

Net (gains) losses on sales and fair value adjustments of other real estate owned

-1

-4

-0

-1

0

-3

-0

-15

-20

-13

-

-

Gain on termination of loss share agreements with the FDIC

0

0

0

0

0

-

-

-

-

-

-

-

Increase in accrued interest receivable and other assets, net

133

133

126

43

151

-72

-53

-12

-12

-46

-64

-1

Decrease in accrued interest payable and other liabilities, net

-11

-27

31

114

0

-38

-21

137

-9

-15

-2

4

Net Cash (Used for) Provided by Operating Activities

265

377

401

310

38

206

287

268

244

124

-841

151

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

718

352

276

1,247

506

431

295

588

1,483

1,032

1,423

882

Proceeds from maturities and calls of held-to-maturity securities

422

11

108

735

0

0

0

-

-

-

-

-

Proceeds from sales of available-for-sale securities

972

214

344

2,194

1,515

852

138

2,399

1,265

710

1,273

808

Proceeds from calls of held-to-maturity securities

-

-

-

-

0

0

0

-

-

-

-

-

Proceeds from sales of equity securities with readily determinable fair value

19

1

0

0

-

-

-

-

-

-

-

-

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

1

1

0

0

-

-

-

-

-

-

-

-

Purchases of available-for-sale securities

2,226

1,095

774

3,398

2,092

1,597

489

2,570

3,087

2,016

2,457

1,851

Purchases of held-to-maturity securities

493

253

301

486

22

0

0

-

-

-

-

-

Purchases of equity securities with readily determinable fair value

32

0

0

-

-

-

-

-

-

-

-

-

Purchases of equity securities without readily determinable fair value

4

4

0

0

-

-

-

-

-

-

-

-

(Purchases) redemption of Federal Home Loan Bank and Federal Reserve Bank stock, net

9

1

-43

31

9

12

0

-

-

-

-

-

Distributions from investments in partnerships, net

1

3

0

0

-

-

-

-

-

-

-

-

Proceeds from sales and securitizations of premium finance receivables

-

-

-

-

-

-

-

-

-

-

600

217

Net cash paid in business combinations

108

53

0

613

15

-228

14

-64

-91

-62

745

-

Divestiture of operations

-

-

-

-

-

-

-149

0

0

-

-

-

Proceeds from sales of other real estate owned

14

19

18

38

50

92

100

88

59

64

-

-

Cash paid to the FDIC related to reimbursements on covered assets

0

0

-15

1

1

19

53

-169

-92

44

-

-

Net decrease (increase) in interest bearing deposits with banks

-983

-15

-81

-366

531

-502

643

-212

140

366

-902

-112

Net increase in loans

2,229

1,883

1,863

1,779

2,066

1,311

747

948

802

733

38

1,121

Redemption of BOLI

0

8

0

1

2

0

0

-

-

-

-

-

Purchases of premises and equipment, net

82

68

59

33

43

38

37

74

79

30

18

28

Net Cash Used for Investing Activities

-4,018

-2,763

-2,303

-2,492

-1,641

-1,837

-206

-495

-836

-500

-865

-1,204

Financing Activities:
Increase in deposit accounts

3,142

2,547

1,524

2,769

1,381

1,217

-78

1,251

385

197

1,540

905

Increase (decrease) in other borrowings, net

15

137

-4

-3

44

-59

-22

-306

226

13

-89

82

Increase in Federal Home Loan Bank advances, net

248

-147

403

-707

115

315

-18

-70

0

36

5

-20

Cash payments to settle contingent consideration liabilities recognized in business combinations

0

0

1

1

-

-

-

-

-

-

-

-

Issuance of prepaid common stock purchase contracts

-

-

-

-

-

-

-

-

-

179

-

-

Proceeds from the issuance of common stock, net

-

-

-

152

0

0

-

-

-

315

-

-

Redemption of Series B preferred stock

-

-

-

-

-

-

-

-

-

250

-

-

Proceeds from the issuance of preferred stock, net

-

-

-

-

120

0

0

122

0

0

-

299

Proceeds from Issuance of Subordinated Long-term Debt

296

0

0

-

-

139

0

0

-

-

-

-

Redemption of junior subordinated debentures, net

-

-

-

10

0

0

15

20

15

10

10

-

Payoff of secured borrowing

-

-

-

-

-

-

-

600

0

0

-

-

Decrease in notes payable, net

-

-

-

-

-

-

-

-

-

-

-

-59

Repayment of subordinated notes

-

-

-

-

-

-

-

-

-

-

-

5

Excess tax benefits from stock-based compensation arrangements

-

-

-

-

-

0

0

0

0

1

0

0

Issuance of common shares resulting from the exercise of stock options, employee stock purchase plan and conversion of common stock warrants

10

15

28

15

16

10

19

14

3

3

4

3

Common stock repurchases authorized

1

0

0

0

0

0

3

7

0

0

0

0

Dividends paid

65

50

40

38

29

24

13

13

10

22

21

9

Net Cash Provided by Financing Activities

3,647

2,500

1,909

2,175

1,647

1,598

-132

372

589

390

1,419

1,238

Net Increase (Decrease) in Cash and Cash Equivalents

-105

114

7

-5

45

-33

-51

145

-2

13

-287

184

Supplemental Disclosure of Cash Flow Information:
Cash paid during the year for:
Interest

327

197

112

91

77

73

83

109

146

177

218

274

Income taxes, net

60

69

76

94

94

72

97

82

57

34

8

20

Business combinations and asset acquisitions:
Fair value of assets acquired, including cash and cash equivalents

1,093

485

1

882

1,187

475

559

1,158

1,257

673

911

-

Value ascribed to goodwill and other intangible assets

80

109

0

27

79

37

35

42

37

1

1

-

Fair value of liabilities assumed

896

423

0

259

1,033

405

511

1,160

1,220

730

-

-

Non-cash activities
Transfer of available-for-sale securities to held-to-maturity securities

-

-

-

-

862

0

0

-

-

-

-

-

Transfer to other real estate owned from loans

5

7

15

13

28

52

81

30

59

68

112

34

Common stock issued for acquisitions

71

0

0

0

38

0

23

14

27

0

-

-