Annual Report — Form 10-K Filing Table of Contents
Document/ExhibitDescriptionPagesSize
1: 10-K Annual Report HTML 4.61M
2: EX-4.1 Instrument Defining the Rights of Security Holders HTML 69K
3: EX-21.1 Subsidiaries List HTML 49K
4: EX-23.1 Consent of Expert or Counsel HTML 41K
5: EX-31.1 Certification -- §302 - SOA'02 HTML 46K
6: EX-31.2 Certification -- §302 - SOA'02 HTML 46K
7: EX-32.1 Certification -- §906 - SOA'02 HTML 44K
14: R1 Cover HTML 113K
15: R2 Consolidated Statements Of Condition HTML 148K
16: R3 Consolidated Statements Of Condition HTML 69K
(Parenthetical)
17: R4 Consolidated Statements Of Income HTML 185K
18: R5 Consolidated Statements of Comprehensive Income HTML 110K
19: R6 Consolidated Statements Of Changes In HTML 126K
Shareholders' Equity
20: R7 Consolidated Statements Of Changes In HTML 47K
Shareholders' Equity (Parenthetical)
21: R8 Consolidated Statements Of Cash Flows HTML 200K
22: R9 Summary Of Significant Accounting Policies HTML 125K
23: R10 Recent Accounting Pronouncements HTML 60K
24: R11 Investment Securities HTML 261K
25: R12 Loans HTML 87K
26: R13 Allowance for Credit Losses HTML 761K
27: R14 Mortgage Servicing Rights (MSRs) HTML 71K
28: R15 Business Combinations and Asset Acquisitions HTML 48K
29: R16 Goodwill and Other Intangible Assets HTML 93K
30: R17 Premises and Equipment, Net HTML 56K
31: R18 Deposits HTML 84K
32: R19 Federal Home Loan Bank Advances HTML 63K
33: R20 Subordinated Notes HTML 44K
34: R21 Other Borrowings HTML 70K
35: R22 Junior Subordinated Debentures HTML 99K
36: R23 Revenue from Contracts with Customers HTML 103K
37: R24 Lease Commitments HTML 146K
38: R25 Income Taxes HTML 144K
39: R26 Stock Compensation Plans and Other Employee HTML 157K
Benefit Plans
40: R27 Regulatory Matters HTML 313K
41: R28 Commitments and Contingencies HTML 64K
42: R29 Derivative Financial Instruments HTML 169K
43: R30 Fair Value of Assets and Liabilities HTML 303K
44: R31 Shareholders' Equity HTML 135K
45: R32 Segment Information HTML 125K
46: R33 Condensed Parent Company Financial Statements HTML 147K
47: R34 Earnings Per Share HTML 67K
48: R35 Quarterly Financial Summary (Unaudited) HTML 122K
49: R36 Subsequent Events HTML 44K
50: R37 Summary Of Significant Accounting Policies HTML 333K
(Policies)
51: R38 Investment Securities (Tables) HTML 263K
52: R39 Loans (Tables) HTML 85K
53: R40 Allowance for Credit Losses (Tables) HTML 737K
54: R41 Mortgage Servicing Rights (MSRs) (Tables) HTML 62K
55: R42 Goodwill and Other Intangible Assets (Tables) HTML 95K
56: R43 Premises and Equipment, Net (Tables) HTML 55K
57: R44 Deposits (Tables) HTML 85K
58: R45 Federal Home Loan Bank Advances (Tables) HTML 60K
59: R46 Other Borrowings (Tables) HTML 61K
60: R47 Junior Subordinated Debentures (Tables) HTML 94K
61: R48 Revenue from Contracts with Customers (Tables) HTML 92K
62: R49 Lease Commitments (Tables) HTML 90K
63: R50 Income Taxes (Tables) HTML 145K
64: R51 Stock Compensation Plans and Other Employee HTML 141K
Benefit Plans (Tables)
65: R52 Regulatory Matters (Tables) HTML 308K
66: R53 Derivative Financial Instruments (Tables) HTML 158K
67: R54 Fair Value of Assets and Liabilities (Tables) HTML 287K
68: R55 Shareholders' Equity (Tables) HTML 140K
69: R56 Segment Information (Tables) HTML 119K
70: R57 Condensed Parent Company Financial Statements HTML 150K
(Tables)
71: R58 Earnings Per Share (Tables) HTML 66K
72: R59 Quarterly Financial Summary (Unaudited) (Tables) HTML 122K
73: R60 Summary Of Significant Accounting Policies HTML 90K
(Narrative) (Details)
74: R61 Investment Securities (Schedule of Investment HTML 107K
Securities) (Details)
75: R62 Investment Securities (Narrative) (Details) HTML 65K
76: R63 Investment Securities (Schedule of Investment HTML 88K
Securities Portfolio Continuous Unrealized Loss
Position) (Details)
77: R64 Investment Securities (Schedule of HTML 79K
Available-for-Sale Investment Securities Gross
Gains and Gross Losses Realized) (Details)
78: R65 Investment Securities (Contractual Maturities of HTML 121K
Investment Securities) (Details)
79: R66 Loans (Summary of Loan Portfolio) (Details) HTML 65K
80: R67 Loans (Narrative) (Details) HTML 68K
81: R68 Loans (Unpaid Principal Balance and Carrying Value HTML 47K
of Acquired Loans) (Details)
82: R69 Loans (Activity Related to Accretable Yield of HTML 55K
Loans Acquired with Evidence of Credit Quality
Deterioration Since Origination) (Details)
83: R70 Allowance for Credit Losses (Schedule of Aging of HTML 115K
the Company's Loan Portfolio) (Details)
84: R71 Allowance for Credit Losses (Loan Portfolio by HTML 264K
Credit Quality Indicator) (Details)
85: R72 Allowance for Credit Losses (Held-to-Maturity Debt HTML 105K
Securities by Credit Quality Indication) (Details)
86: R73 Allowance for Credit Losses (Components of HTML 57K
Allowance for Credit Losses) (Details)
87: R74 Allowance for Credit Losses (Summary of Activity HTML 133K
in the Allowance for Credit Losses by Loan
Portfolio) (Details)
88: R75 Allowance for Credit Losses (Narrative) (Details) HTML 136K
89: R76 Allowance for Credit Losses (Summary of the HTML 88K
Post-Modification Balance of Loans Restructured)
(Details)
90: R77 Allowance for Credit Losses (Summary of Loans HTML 64K
Restructured and Subsequently Defaulted Under the
Restructured Terms) (Details)
91: R78 Mortgage Servicing Rights (MSRs) (Details) HTML 60K
92: R79 Business Combinations and Asset Acquisitions HTML 90K
(Details)
93: R80 Goodwill and Other Intangible Assets (Goodwill HTML 61K
Assets by Business Segment) (Details)
94: R81 Goodwill and Other Intangible Assets (Narrative) HTML 61K
(Details)
95: R82 Goodwill and Other Intangible Assets (Summary of HTML 68K
Intangible Assets) (Details)
96: R83 Goodwill and Other Intangible Assets (Estimated HTML 53K
Amortization) (Details)
97: R84 Premises and Equipment, Net (Details) HTML 61K
98: R85 Deposits (Summary of Deposits) (Details) HTML 68K
99: R86 Deposits (Schedule of Maturities of Time HTML 56K
Certificates of Deposit) (Details)
100: R87 Deposits (Schedule of Maturities of Time Deposits HTML 53K
Over One Hundred Thousand Dollars) (Details)
101: R88 Federal Home Loan Bank Advances (Summary of HTML 73K
Outstanding FHLB Advances) (Details)
102: R89 Federal Home Loan Bank Advances (Narrative) HTML 54K
(Details)
103: R90 Subordinated Notes (Details) HTML 66K
104: R91 Other Borrowings (Summary Of Other Borrowings) HTML 54K
(Details)
105: R92 Other Borrowings (Narrative) (Details) HTML 142K
106: R93 Other Borrowings (Schedule of Financial HTML 56K
Instruments Owned and Pledged as Collateral)
(Details)
107: R94 Junior Subordinated Debentures (Summary of the HTML 103K
Company's Junior Subordinated Debentures)
(Details)
108: R95 Junior Subordinated Debentures (Narrative) HTML 67K
(Details)
109: R96 Revenue from Contracts with Customers HTML 67K
(Disaggregation of Revenue by Source) (Details)
110: R97 Revenue from Contracts with Customers (Contract HTML 56K
Assets, Contract Liabilities and Receivables from
Contracts with Customers) (Details)
111: R98 Revenue from Contracts with Customers (Performance HTML 59K
Obligations Unsatisfied at End of Period)
(Details)
112: R99 Revenue from Contracts with Customers (Narrative) HTML 45K
(Details)
113: R100 Lease Commitments (Summary of Lease Costs) HTML 86K
(Details)
114: R101 Lease Commitments (Summary of Future Required HTML 57K
Fixed Payments Related to Leasing Arrangements)
(Details)
115: R102 Lease Commitments (Schedule of Annual Gross Rental HTML 56K
Receipts) (Details)
116: R103 Lease Commitments (Narrative) (Details) HTML 46K
117: R104 Income Taxes (Income Tax Expense (Benefit)) HTML 73K
(Details)
118: R105 Income Taxes (Narrative) (Details) HTML 65K
119: R106 Income Taxes (Reconciliation of the Differences HTML 85K
Between Taxes Computed Using the Statutory Federal
Income Tax Rate and Actual Income Tax Expense)
(Details)
120: R107 Income Taxes (Deferred Tax Assets And Liabilities) HTML 95K
(Details)
121: R108 Income Taxes (Unrecognized Tax Benefits) (Details) HTML 53K
122: R109 Stock Compensation Plans and Other Employee HTML 139K
Benefit Plans (Narrative) (Details)
123: R110 Stock Compensation Plans and Other Employee HTML 96K
Benefit Plans (Summary of Stock Option Activity)
(Details)
124: R111 Stock Compensation Plans and Other Employee HTML 84K
Benefit Plans (Summary of Plans' Restricted Share
Award Activity) (Details)
125: R112 Regulatory Matters (Narrative) (Details) HTML 70K
126: R113 Regulatory Matters (Schedule of Compliance with HTML 49K
Minimum Capital Requirements) (Details)
127: R114 Regulatory Matters (Schedule of Actual Capital HTML 195K
Amounts and Ratios) (Details)
128: R115 Commitments and Contingencies (Details) HTML 80K
129: R116 Derivative Financial Instruments (Schedule of Fair HTML 69K
Value of Derivative Financial Instruments)
(Details)
130: R117 Derivative Financial Instruments (Narrative) HTML 101K
(Details)
131: R118 Derivative Financial Instruments (Schedule of Cash HTML 76K
Flow Hedging Instruments) (Details)
132: R119 Derivative Financial Instruments (Rollforward of HTML 53K
Amounts in Accumulated Other Comprehensive Income
Related to Interest Rate Swaps Designated as Cash
Flow Hedges) (Details)
133: R120 Derivative Financial Instruments (Derivatives in HTML 61K
Fair Value Hedging Relationships) (Details)
134: R121 Derivative Financial Instruments (Summary Amounts HTML 59K
Included in Consolidated Statement of Income
Related to Derivatives) (Details)
135: R122 Derivative Financial Instruments (Summary of HTML 79K
Interest Rate Derivatives) (Details)
136: R123 Fair Value of Assets and Liabilities (Narrative) HTML 136K
(Details)
137: R124 Fair Value of Assets and Liabilities (Summary of HTML 132K
Balances of Assets and Liabilities Measured at
Fair Value on a Recurring Basis) (Details)
138: R125 Fair Value of Assets and Liabilities (Summary of HTML 84K
Changes in Level Three Assets and Liabilities
Measured at Fair Value on a Recurring Basis)
(Details)
139: R126 Fair Value of Assets and Liabilities (Summary of HTML 65K
Assets Measured at Fair Value on a Nonrecurring
Basis) (Details)
140: R127 Fair Value of Assets and Liabilities (Schedule of HTML 151K
Valuation Techniques and Significant Unobservable
Inputs Used to Measure Both Recurring and
Nonrecurring) (Details)
141: R128 Fair Value of Assets and Liabilities (Summary of HTML 114K
Carrying Amounts and Estimated Fair Values of
Financial Instruments) (Details)
142: R129 Shareholders' Equity (Summary of the Company's HTML 58K
Common and Preferred Stock) (Details)
143: R130 Shareholders' Equity (Narrative) (Details) HTML 86K
144: R131 Shareholders' Equity (Components of Other HTML 89K
Comprehensive Income (Loss), Including the Related
Income Tax Effects) (Details)
145: R132 Shareholders' Equity (Reclassification from HTML 82K
Accumulated Other Comprehensive Income) (Details)
146: R133 Segment Information (Narrative) (Details) HTML 48K
147: R134 Segment Information (Summary of Certain Operating HTML 105K
Information For Reportable Segments) (Details)
148: R135 Condensed Parent Company Financial Statements HTML 94K
(Statements of Financial Condition) (Details)
149: R136 Condensed Parent Company Financial Statements HTML 93K
(Statements Of Income) (Details)
150: R137 Condensed Parent Company Financial Statements HTML 137K
(Statements Of Cash Flows) (Details)
151: R138 Earnings Per Share (Details) HTML 80K
152: R139 Quarterly Financial Summary (Unaudited) (Details) HTML 106K
153: R140 Subsequent Events (Details) HTML 47K
155: XML IDEA XML File -- Filing Summary XML 316K
13: XML XBRL Instance -- wtfc-20201231_htm XML 11.34M
154: EXCEL IDEA Workbook of Financial Reports XLSX 319K
9: EX-101.CAL XBRL Calculations -- wtfc-20201231_cal XML 694K
10: EX-101.DEF XBRL Definitions -- wtfc-20201231_def XML 2.08M
11: EX-101.LAB XBRL Labels -- wtfc-20201231_lab XML 4.21M
12: EX-101.PRE XBRL Presentations -- wtfc-20201231_pre XML 2.77M
8: EX-101.SCH XBRL Schema -- wtfc-20201231 XSD 412K
156: JSON XBRL Instance as JSON Data -- MetaLinks 878± 1.38M
157: ZIP XBRL Zipped Folder -- 0001015328-21-000057-xbrl Zip 1.17M
1.I have reviewed this annual report on Form 10-K of Wintrust Financial Corporation;
2.Based on my knowledge, this report does not contain any untrue statement of a material
fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report;
3.Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report;
4.The registrant’s other certifying officer and I are responsible for establishing and maintaining disclosure
controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f), for the registrant and have:
a)Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared;
b)Designed
such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounted principles;
c)Evaluated the effectiveness of the registrant’s disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and
d)Disclosed in this report any change in the registrant’s
internal control over financial reporting that occurred during the registrant’s most recent fiscal quarter that has materially affected, or is reasonably likely to materially affect, the registrant’s internal control over financial reporting; and
5.The registrant’s other certifying officer and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant’s auditors and the audit committee of registrant’s board of directors (or persons performing the equivalent functions):
a)All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant’s ability to record, process, summarize and report financial information; and
b)Any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant’s internal control over financial reporting.
