Wintrust Financial Corporation reported unaudited consolidated earnings results for the fourth quarter and full year ended December 31, 2015. For the quarter, the company reported total interest income of USD 187,487,000 against USD 172,715,000 a year ago. Net interest income was USD 167,206,000 against USD 153,719,000 a year ago. Net interest income after provision for credit losses was USD 158,147,000 against USD 147,586,000 a year ago. Income before taxes was USD 56,408,000 against USD 61,802,000 a year ago. Net income applicable to common shares was USD 31,883,000 against USD 36,553,000 a year ago. Net income per common share – diluted was USD 0.64 against USD 0.75 a year ago. Net revenue was USD 232,296,000 against USD 211,376,000 a year ago. Return on average assets was 0.63% against 0.78% a year ago. Return on average common equity was 6.03% against 7.51% a year ago. Return on average tangible common equity was 8.12% against 9.82% a year ago. Compared to the third quarter, earnings margin dropped about 4 basis points, really, this related to 1 basis point repeats from CRE accretion, commercial first insurance commercial lending and the mix of all.

For the year, the company reported total interest income of USD 718,464,000 against USD 671,267,000 a year ago. Net interest income was USD 641,529,000 against USD 598,575,000 a year ago. Net interest income after provision for credit losses was USD 608,587,000 against USD 578,038,000 a year ago. Income before taxes was USD 251,765,000 against USD 246,431,000 a year ago. Net income applicable to common shares was USD 145,880,000 against USD 145,075,000 a year ago. Net income per common share – diluted was USD 2.93 against USD 2.98 a year ago. Net revenue was USD 913,126,000 against USD 813,815,000 a year ago. Return on average assets was 0.75% against 0.81% a year ago. Return on average common equity was 7.15% against 7.77% a year ago. Return on average tangible common equity was 9.44% against 10.14% a year ago. Book value per common share was USD 43.42 as on December 31, 2015 against USD 41.52 as on December 31, 2014. Tangible common book value per share was USD 33.17 as on December 31, 2015 against USD 32.45 as on December 31, 2014.

The company reported net charge-offs totaled USD 6.6 million in the fourth quarter of 2015, an USD 884,000 increase from USD 5.7 million in the third quarter of 2015 and a USD 694,000 increase from USD 5.9 million in the fourth quarter of 2014.