The following is excerpted from the question-and-answer section of the transcript.
(Questions from industry analysts are provided in full, but answers are omitted - download the transcript to see the full question-and-answer session)
Question: Jon Arfstrom - RBC Capital Markets` - Analyst
: Hey, thanks, good morning.
Question: Jon Arfstrom - RBC Capital Markets` - Analyst
: Tim, I'll probably start with where you thought we would. But you obviously have a very solid message on loan growth, but can you
give us a little bit more on how prevalent some of the uncertainty is from borrowers? And are they actually pausing and is it having
an impact on your growth outlook despite the fact you basically reiterated it, is there an impact right now?
Question: Jon Arfstrom - RBC Capital Markets` - Analyst
: Okay. Yeah. Fair enough on that. Okay. And this is maybe somewhat related. But on Slide 14, you break out your reserve cadence
and it looks like a better baseline but some macro uncertainty factors. Can you just kind of walk us through the thought process on
that in terms of what you did on the reserve changes?
Question: Jon Arfstrom - RBC Capital Markets` - Analyst
: Yeah, okay, all right, thanks. Appreciate it.
Question: Nathan Race - Piper Sandler - Analyst
: Hey guys, good morning. Thanks for taking the call. On the margin front, just curious in terms of how much additional kind of
non-maturity deposit cost leverage you have with the Fed presumably on hold, at least through the second quarter, you obviously
provide great detail on the CD repricing front in the earnings release, but just curious on the non-maturity side.
Question: Nathan Race - Piper Sandler - Analyst
: Okay. And have you noticed any changes in competitive pricing on new loan production lately. I know the coupon mix can vary
depending on production in any given quarter. And obviously, you have commercial insurance being financed, expect to have a
strong 2Q. But just kind of any comments in terms of what you're seeing from a competitive perspective and just kind of maybe on
a blended basis where new loans are coming out in the portfolio at these days?
Question: Nathan Race - Piper Sandler - Analyst
: Okay. And Rich, while I got you, if I could sneak one last one just in terms of the rise in criticized loans in the quarter. Any common
threads or kind of any geographic areas or portfolios that drove that increase?
Question: Nathan Race - Piper Sandler - Analyst
: Okay, great. I appreciate all the color. Thanks guys. Nice quarters.
Question: Jared Shaw - Barclays Capital, Inc. - Analyst
: Hey, good morning, everybody. Thanks for the questions. Maybe starting -- just to follow up on John's credit question, when we
look at the Slide 14 trends. It feels like, I guess, what Moody's got a little better in February and then worse in March. Is that right?
And then you have your qualitative overlay.
Should we think that if the Moody's scenario, the baseline scenario continues to stay weak or gets a little weaker, would that drive
provision a little higher from here? Or do you feel like your qualitative overlay covered for that? And maybe we see that pull back a
little bit if we see broader deterioration on the baseline.
Question: Jared Shaw - Barclays Capital, Inc. - Analyst
: Okay. All right. And then on Wealth Management, can you just comment a little bit about how sort of new client acquisition is going
there and how sort of that level of organic growth is versus the moves we've seen just from market rates on AUM.
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APRIL 22, 2025 / 2:00PM, WTFC.OQ - Q1 2025 Wintrust Financial Corp Earnings Call
Question: Jared Shaw - Barclays Capital, Inc. - Analyst
: Okay. Thanks. And just final for me. Can you share your updated thoughts on M&A and growth through acquisition going forward
once Bremer's closed, do you feel that you have the capital to do that? And is there sort of what's the appetite or the market like on
M&A now?
Question: Andrew Leischner - Keefe, Bruyette & Woods - Analyst
: Hey, how's it going? This is Andrew Leischner on for Chris McGratty. So deposit growth has been pretty solid recently. And just given
economic uncertainty, how should we be thinking about the source of that deposit growth going forward?
Question: Andrew Leischner - Keefe, Bruyette & Woods - Analyst
: Okay, great. Thank you. That's it for me.
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