WINTRUST FINANCIAL CORP WTFCM Cash Flow

Wintrust financial corp (WTFCM)

CashFlow / Quarterly

Mar'20	Dec'19	Sep'19	Jun'19	Mar'19	Dec'18	Sep'18	Jun'18	Mar'18	Dec'17	Sep'17	Jun'17	Mar'17	Dec'16	Sep'16	Jun'16	Mar'16	Dec'15	Sep'15	Jun'15	Mar'15	Dec'14	Sep'14	Jun'14	Mar'14	Dec'13	Sep'13	Jun'13	Mar'13	Dec'12	Sep'12	Jun'12	Mar'12	Dec'11	Sep'11	Jun'11	Mar'11	Dec'10	Sep'10	Jun'10	Mar'10
Operating Activities:
Net Income (Loss) Attributable to Parent
62,812	85,964	99,121	81,466	89,146	79,657	91,948	89,580	81,981	68,781	65,626	64,897	58,378	54,608	53,115	50,041	49,111	35,511	38,355	43,831	39,052	38,133	40,224	38,541	34,500	35,288	35,563	34,307	32,052	30,089	32,302	25,595	23,210	19,221	30,202	11,750	16,402	14,204	20,098	13,010	16,017
Adjustments to reconcile net income to net cash (used for) provided by operating activities
Provision for Loan, Lease, and Other Losses
53,000	7,826	10,834	24,580	10,624	10,401	11,042	5,043	8,346	7,772	7,896	8,891	5,209	7,350	9,571	9,129	8,034	9,059	8,322	9,482	6,079	6,133	5,864	6,660	1,880	3,850	11,114	15,382	15,687	19,546	18,799	20,691	17,400	18,817	29,290	29,187	25,344	28,794	25,528	41,298	29,044
Depreciation, amortization and accretion, net
23,376	23,524	21,516	22,125	21,197	18,757	16,922	16,103	15,883	16,593	16,556	15,521	14,437	14,350	11,502	13,686	13,610	12,993	10,109	8,831	9,077	13,840	8,442	7,757	7,753	5,119	7,187	7,092	6,782	7,052	6,182	5,815	5,627	5,341	4,356	4,221	5,551	4,739	4,366	3,930	5,130
Stock-based compensation expense
-2,819	3,026	1,995	2,965	3,318	3,150	3,248	3,415	3,683	4,698	2,414	2,828	2,918	2,525	2,026	2,268	2,484	1,839	2,531	3,015	2,271	2,000	2,000	2,073	1,681	201	1,970	2,215	2,413	1,812	2,621	2,350	2,289	2,259	1,399	940	1,094	119	2,016	1,091	1,414
Tax expense from stock-based compensation arrangements
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	64	-3	-	35	-23	-200	-113	-51	-1,240	12	-312	14	404	-235	-137	-182	-166	-396
Excess tax benefits from stock-based compensation arrangements
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	184	5	471	105	113	70	156	125	23	104	222	-27	68	157	643	-454	522	44	194	334	260	190	570
Net amortization of premium on securities
-1,762	-2,104	-1,530	-1,604	-1,367	-1,413	-1,929	-2,998	-1,071	-1,404	-1,496	-1,466	-1,732	9,374	-1,888	-1,208	-632	5,974	-2,371	640	-845	6,231	-1,314	-3,186	-233	4,468	-1,379	3,269	-3,424	3,711	85	-6,922	2,092	1,874	-812	-1,320	-4,176	-4,236	-3,515	-746	-413
Accretion of discount on loans
10,730	9,289	5,589	6,584	5,162	4,808	5,650	4,933	4,927	5,899	4,906	5,540	6,439	12,155	7,567	7,573	8,276	9,317	9,174	8,304	7,583	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Mortgage servicing rights fair value change, net
16,873	5,119	11,295	8,381	10,741	9,030	4	-733	-2,931	519	2,603	-2,054	789	8,215	-519	-3,255	-1,036	-854	383	-256	514	722	-6	459	253	-366	83	-1,183	-273	7,570	-1,549	-1,406	-514	1,047	2,490	1,276	-140	-747	1,482	1,704	538
Originations and purchases of mortgage loans held-for-sale
1,216,101	1,245,382	1,420,275	1,153,800	678,464	927,780	1,152,433	1,096,373	778,852	879,400	955,960	1,134,258	722,467	1,177,871	1,259,578	1,212,242	736,648	808,876	973,664	1,179,586	941,651	909,765	904,788	840,859	527,272	742,306	940,827	1,050,799	974,432	-	-	-	-	-	-	-	-	-	-	-	-
Originations and purchases of mortgage loans held-for-sale
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	714,655	-	641,742	458,538	562,088	1,250,247	1,076,736	732,465	686,679
Proceeds from sales of mortgage loans held-for-sale
961,842	1,381,898	1,382,039	1,030,278	705,785	1,039,423	1,290,320	1,073,921	696,336	952,769	987,498	1,060,946	867,924	1,357,666	1,285,632	999,267	826,419	789,101	1,148,450	1,166,979	867,194	942,386	927,979	712,536	658,588	753,625	1,153,639	921,637	1,033,129	1,367,338	1,105,945	693,265	699,315	791,766	588,777	414,410	843,209	1,225,335	1,017,576	664,435	816,427
Bank owned life insurance (BOLI) loss (income)
-1,284	1,377	729	1,149	1,591	0	3,190	1,544	714	754	897	888	985	981	884	1,257	472	1,463	213	704	766	-	-	-	-	-	-	-	-	-	810	505	919	681	351	661	876	811	551	419	623
(Increase) decrease in trading securities, net
1,189	-2,136	774	1,871	-1,133	1,004	-174	-820	687	352	-1,344	1,273	-1,275	897	-2,521	1,497	1,668	-2,864	1,715	-6,214	6,605	-4,809	3,781	1,166	571	238	-400	-377	453	-52	27	-532	-1,350	2,193	-212	-1,720	-2,650	-56	-33,326	-1,677	6,164
Net decrease (increase) in brokerage customer receivables
-280	1,630	1,374	-650	1,610	-3,040	-1,000	-7,882	-1,900	2,800	350	110	-2,010	-330	-1,355	-1,400	635	-662	-1,460	4,466	1,066	-2,403	-1,575	1,315	-4,069	1,700	3,039	600	750	-5,769	-815	363	3,160	-10	-1,801	4,375	812	-893	1,151	3,313	107
Gains on mortgage loans sold
51,134	38,976	45,545	32,698	18,388	24,172	31,626	30,283	18,917	21,460	23,692	27,500	16,047	38,535	31,432	26,727	16,287	21,258	24,508	38,321	20,608	20,608	22,867	20,073	12,220	11,301	9,166	27,907	27,419	31,543	30,064	15,456	14,464	16,237	21,107	350	4,160	26,095	23,299	13,903	10,081
Marketable Securities, Gain (Loss)
-4,359	587	710	864	1,364	-1,751	90	12	-351	14	39	47	-55	1,575	3,305	1,440	1,325	-79	-98	-24	524	18	-153	-336	-33	-3,328	75	2	251	2,561	409	1,109	816	309	225	1,152	106	159	9,235	46	392
Gains on early extinguishment of debt, net
-	-	-	-	-	-	-	-	-	-	-	-	-	-717	0	0	4,305	0	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gain on bargain purchases, net
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	85	6,633	-55	840	0	27,390	746	9,838	250	6,593	26,494	10,894
Gains on sales of premises and equipment, net
4	-49	-6	-42	5	-98	52	7	-25	104	-52	-23	163	216	92	18	-21	-295	-109	-322	-81	20	-103	234	-795	-398	375	1	-1	369	-231	-459	-12	-	-	-	-	-	-	-	-
Net (gains) losses on sales and fair value adjustments of other real estate owned
1,001	-98	-708	-929	-186	-856	-800	-621	-2,387	330	-73	-68	-828	-446	-613	-441	119	-235	1,015	-979	549	-1,107	732	-900	-2,460	-1,459	-603	-732	2,658	-3,010	-2,004	-15,798	5,496	-	-	-	-	-	-	-	-
Increase in accrued interest receivable and other assets, net
214,552	-48,122	41,173	110,057	29,914	35,675	36,282	65,996	-4,434	63,519	17,832	48,867	-3,635	-87,551	15,386	40,946	75,172	37,327	71,163	21,678	20,964	9,680	-38,885	-15,690	-27,584	-25,996	6,361	-1,463	-32,068	-26,020	-231,788	235,083	10,040	-19,760	-78,463	38,598	47,043	-147,365	3,198	66,546	31,080
Decrease in accrued interest payable and other liabilities, net
-7,829	-3,072	-58,059	68,547	-19,314	-90,167	-29,208	79,517	12,857	111,889	-58,706	60,897	-82,290	83,449	-39,674	58,569	12,187	29,009	-46,474	66,631	-48,874	16,972	-60,127	41,601	-37,348	28,541	-37,360	6,687	-19,617	-3,114	130,257	22,289	-11,689	-7,239	26,860	-12,935	-16,406	-15,358	14,359	9,463	-23,813
Net Cash (Used for) Provided by Operating Activities
-379,810	288,948	-45,184	-65,456	87,685	116,081	158,856	80,019	22,226	252,651	23,176	-5,000	130,799	393,571	9,786	-158,946	66,555	27,088	84,078	52,348	-124,548	45,998	33,534	-35,429	162,265	66,801	214,677	-93,950	99,681	225,856	371,588	-343,749	14,959	-47,795	-83,577	24,555	351,084	-72,187	7,820	27,244	161,136
Investing Activities:
Proceeds from maturities and calls of available-for-sale securities
162,333	326,911	160,236	62,623	168,575	130,296	89,178	85,746	47,463	60,575	71,539	100,295	43,688	119,466	598,965	503,335	26,128	108,966	62,546	213,123	122,163	208,913	9,050	115,377	98,007	126,668	48,336	52,862	67,941	114,950	62,691	130,530	280,110	294,152	443,510	461,855	284,469	125,089	232,073	310,641	364,778
Proceeds from maturities and calls of held-to-maturity securities
393,148	81,047	290,519	6,220	45,173	3,068	2,047	1,744	4,270	6,582	814	101,289	258	734,534	183	138	181	55	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Proceeds from sales of available-for-sale securities
491	66,327	238,008	404,462	263,456	4,556	649	-1,900	210,891	222,879	118,119	-2,329	6,005	7,616	1,114,666	1,068,795	3,201	298,699	82,827	498,501	635,532	273,736	382,552	181,242	14,800	8,737	45,078	43,403	41,056	339,881	694,608	627,177	737,369	660,020	551,515	3,369	50,142	81,828	357,808	86,139	184,515
Proceeds from calls of held-to-maturity securities
-	-	-	-	-	-	-	-	-	-	-	-	51,060	-	141,885	183,738	98,243	770	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Proceeds from sales of equity securities with readily determinable fair value
30	3,000	5,200	11,000	0	-	-	-	-	-	-	-	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Proceeds from sales and capital distributions of equity securities without readily determinable fair value
288	303	852	389	220	644	64	616	0	0	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Purchases of available-for-sale securities
1,039,817	1,128,268	227,297	304,893	566,376	318,051	301,326	141,999	333,999	327,763	261,619	60,432	124,227	229,620	1,642,553	1,487,200	39,267	508,370	230,926	724,348	629,008	653,306	335,481	258,821	349,979	248,491	35,268	12,993	192,379	490,708	1,042,788	84,024	952,853	1,071,976	943,589	531,100	541,199	406,796	461,423	640,873	507,544
Purchases of held-to-maturity securities
124,575	119,995	195,063	146,688	31,643	104,264	77,872	5	70,988	13,933	31,882	171,204	84,890	13,893	122,725	224,870	125,208	22,892	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Purchases of equity securities with readily determinable fair value
46	7,052	7,000	7,172	11,505	0	0	0	0	-	-	-	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Purchases of equity securities without readily determinable fair value
893	2,547	775	449	623	813	1,038	940	1,801	0	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
(Purchases) redemption of Federal Home Loan Bank and Federal Reserve Bank stock, net
33,807	8,025	688	3,013	-2,341	-8,644	3,299	-8,257	14,967	2,797	6,380	1,908	-54,590	3,864	8,311	8,097	11,641	11,273	490	-3,130	1,366	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
(Purchases) distributions from investments in partnerships, net
355	-	-	-	-363	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Distributions from investments in partnerships, net
-	-	-	-	-	-	2,702	347	132	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net cash paid in business combinations
-	-	-	-	-	40,122	-4,959	0	18,708	0	0	0	284	35,304	560,182	681	17,452	0	27,432	0	-12,004	0	-236,213	7,267	0	-	-	-	-	-34,131	-159,962	137,933	-8,191	-498	-71,148	1,446	-21,371	-	-	-	-
Divestiture of operations
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0	-149,100	0	0	0	0	-	-	-	-	-	-	-	-
Proceeds from sales of other real estate owned
4,793	4,860	4,501	2,397	2,758	2,483	8,656	4,557	3,679	5,850	4,291	4,640	3,961	9,144	9,768	9,114	10,341	15,469	10,492	12,711	11,733	18,680	26,780	26,798	20,362	23,656	36,379	9,486	30,641	22,731	16,129	24,005	25,768	-	-	-	-	-	-	-	-
Cash paid to the FDIC related to reimbursements on covered assets
-	-	-	-	-	-	-	-	-	-15,153	-1,049	405	386	-917	1,704	57	363	162	1,547	2,206	-2,056	37,651	-6,834	-1,149	-9,669	6,035	25,925	35,415	-13,932	-17,095	-37,314	-197,558	82,278	-	-	-	-	-	-	-	-
Net decrease (increase) in interest bearing deposits with banks
216,944	177,939	-823,871	172,936	-510,517	59,648	84,820	-241,618	81,162	154,910	-205,353	-4,167	-27,011	-162,506	-122,835	123,744	-204,994	93,324	31,288	106,078	300,706	-378,067	-113,499	34,093	-45,390	230,988	-241,178	303,375	350,441	-98,601	254,203	-217,133	-151,033	352,066	-111,045	-44,115	-56,222	417,687	-88,497	118,644	-81,735
Net increase in loans
1,006,031	485,024	404,409	959,990	380,214	578,799	367,052	543,070	394,433	686,966	143,507	813,725	219,047	476,687	360,260	694,065	248,893	779,930	336,829	549,968	399,939	300,038	189,575	595,274	227,040	158,018	58,990	478,269	52,143	174,164	287,302	266,084	221,051	282,156	156,296	382,165	-17,691	182,360	129,876	289,987	131,153
Purchases of premises and equipment, net
21,385	30,571	20,153	17,689	13,608	15,634	20,321	20,738	11,580	19,611	13,323	15,437	10,823	5,647	4,041	15,558	8,677	14,084	3,897	19,576	5,902	7,154	13,596	9,790	7,596	13,455	11,142	6,589	6,508	28,793	18,237	18,795	8,501	24,363	6,028	38,184	10,557	14,614	10,829	2,919	2,148
Net Cash Used for Investing Activities
-1,448,882	-1,229,785	-978,854	-778,710	-1,031,600	-847,812	-569,925	-846,882	-498,879	-615,380	-467,885	-913,633	-306,334	-480,024	-953,736	-540,891	-517,675	-819,104	-410,874	-455,442	43,867	-845,520	7,588	-512,493	-487,167	-28,718	-190,860	-90,524	103,881	-263,478	-123,420	90,745	-199,722	14,874	-85,747	-531,786	-234,305	106,625	-149,776	-284,403	-173,287
Financing Activities:
Increase in deposit accounts
1,354,778	687,989	1,191,569	552,880	710,061	1,027,129	338,130	1,086,152	95,988	288,300	289,398	875,288	71,862	360,806	1,106,028	824,722	477,466	411,335	339,305	143,825	486,960	216,793	117,972	422,080	460,551	-118,521	282,008	72,185	-314,618	337,279	305,196	339,991	269,326	2,334	139,396	344,543	-100,938	-157,327	217,665	329,483	-192,207
Increase (decrease) in other borrowings, net
88,073	4,530	-5,293	40,706	-24,463	28,145	113,601	11,142	-15,631	15,223	-35,274	38,895	-23,732	21,140	-11,296	-549	-12,700	5,640	-15,870	74,972	-20,327	144,237	7,767	-187,370	-24,018	6,613	-6,128	-34,457	11,576	-188,234	222,559	-306,970	-34,141	45,327	9,050	182,481	-10,808	19,088	23,098	345	-29,358
Increase in Federal Home Loan Bank advances, net
500,000	100,000	1	-1,558	149,999	-199,999	-55,000	-248,000	355,000	90,000	150,000	90,000	73,000	-267,337	-169,232	-212,559	-58,466	408,546	224	27,981	-321,565	385,550	-233,000	193,000	-30,000	8,000	-198,000	172,000	0	-130,000	150,000	-98,000	8,000	-	-	-	-	-7,857	1,523	33,769	9,300
Cash payments to settle contingent consideration liabilities recognized in business combinations
-	-	-	-	-	-	-	-	-	39	0	0	1,058	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Proceeds from the issuance of common stock, net
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	104,691	0	-128	210,545
Proceeds from the issuance of preferred stock, net
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0	122,690	-	-	-	-	-	-	-	-
Redemption of junior subordinated debentures, net
-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0	10,695	0	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Payoff of secured borrowing
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	172,848	-	-	-	-	-	-	-	-
Excess tax benefits from stock-based compensation arrangements
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	184	5	471	105	113	70	156	125	23	104	222	-27	68	157	643	-454	522	44	194	334	260	190	570
Issuance of common shares resulting from the exercise of stock options, employee stock purchase plan and conversion of common stock warrants
4,919	2,611	2,078	1,848	4,130	1,513	2,643	3,496	8,251	4,869	6,240	3,306	13,814	6,032	4,030	4,134	1,632	1,706	8,601	3,323	2,489	2,410	2,781	1,594	3,668	13,806	1,850	2,103	1,354	2,748	1,497	1,947	8,699	740	1,227	714	905	681	1,033	649	1,593
Common stock repurchases authorized
37,041	132	149	1,016	0	87	192	0	369	102	0	0	295	67	377	0	172	9	0	16	399	30	70	69	380	3,052	76	27	349	348	116	815	6,447	44	18	-24	74	69	47	4	98
Common stock repurchases for tax withholdings related to stock-based compensation
919	-	-	-	1,016	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Dividends paid
18,167	16,499	16,222	16,216	16,173	12,763	12,762	12,749	12,713	9,883	9,864	9,843	10,953	9,838	9,831	9,459	9,440	9,402	6,893	6,810	6,783	6,252	6,247	6,233	6,201	1,827	6,156	2,336	3,574	1,582	6,314	1,000	4,261	1,000	4,199	1,001	4,144	5,409	6,926	4,125	6,316
Net Cash Provided by Financing Activities
1,891,643	778,499	1,171,860	874,335	822,538	843,938	386,420	840,041	430,526	388,368	400,500	997,646	122,638	109,551	919,322	759,112	387,625	817,156	325,242	364,431	140,846	742,813	-110,684	562,162	403,776	-104,856	73,521	204,572	-305,389	139,836	-227,110	284,158	175,661	41,903	145,978	516,805	-114,865	-105,838	233,560	287,641	-24,571
Net Increase (Decrease) in Cash and Cash Equivalents
62,951	-162,338	147,822	30,169	-121,377	112,207	-24,649	73,178	-46,127	25,639	-44,209	79,013	-52,897	23,098	-24,628	59,275	-63,495	25,140	-1,554	-38,663	60,165	-56,709	-69,562	14,240	78,874	-66,773	97,338	20,098	-101,827	102,214	21,058	31,154	-9,102	8,982	-23,346	9,574	1,914	-71,400	91,604	30,482	-36,722
Supplemental Disclosure of Cash Flow Information: