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  "documentTitle": "Wintrust Financial | Results Presentation Deck | 23 slides",
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  "presentationDate": "2022-10-01 00:00:00",
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  "notes": "Includes both primary financial KPIs and qualitative business highlights.",
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      "text": "Pre-tax income, excluding provision for credit losses (Non-GAAP) - See Non-GAAP reconciliation in the Appendix. See Non-GAAP reconciliation in Appendix.",
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      "text": "Commitment to Increasing Shareholder Value: Net Interest Income increased to $401.4 million; Expansion of Net Interest Margin by 42 bps",
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      "text": "Growing and Diversified Balance Sheet: Consistently strong loan growth of $1.1 billion, 12% annualized, spread across all material loan portfolios; Maintained balanced deposit base while managing low cost of funds through current rate cycle",
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      "text": "Net Income: $143.0 million (+$48.4 million)",
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      "text": "Total Assets: $52.4 billion (+$1.4 billion)",
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      "text": "Total Deposits: $42.8 billion (+$0.2 billion)",
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      "text": "Return on Equity: 12.31% (+378 bps)",
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      "text": "Efficiency Ratio: 58.41% (-580 bps)",
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      "text": "Total Loans: $38.2 billion (+$1.1 billion)",
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      "text": "Pre-Tax, Pre-Provision: $206.5 million (+$54.4 million)",
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      "text": "Q3 '22 Highlights (Comparative to Q2 '22)",
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