Company: WTFCN
Filing Date: 2025-05-05
Form Type: 10-Q
Source: 0001015328-25-000130
Chunk: 110

Company: WINTRUST FINANCIAL CORP
Filing Date: 2025-05-05
Form: 10-Q
Item: Item 1
Chunk 110
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23 — 24,396 Secured borrowings382,668 370,948 373,403 Other56,762 57,019 58,863 Total other borrowings$582,139 $577,786 $627,711 Subordinated notes298,306 298,225 437,893 Junior subordinated debentures253,566 253,566 253,566 Total other funding sources$4,285,320 $4,290,235 $4,048,019 

See Note (11) “FHLB Advances, Other Borrowings and Subordinated Notes” and Note (12) “Junior Subordinated Debentures” of the Consolidated Financial Statements presented under Item 1 of this report for details of period end balances and other information for these various funding sources. The Company hereby incorporates by reference Note (11) and Note (12) of the Consolidated Financial Statements presented under Item 1 of this report in its entirety. 

66

Shareholders’ Equity

The following tables reflect various consolidated measures of capital as of the dates presented and the capital guidelines established for a bank holding company:

March 31,2025December 31,2024March 31,2024Tier 1 leverage ratio9.6 %9.4 %9.4 %Risk-based capital ratios:Tier 1 capital ratio10.8 10.7 10.3 Common equity tier 1 capital ratio10.1 9.9 9.5 Total capital ratio12.5 12.3 12.2 Other ratio:Total average equity-to-total average assets(1)10.1 10.1 9.4 

(1)Based on quarterly average balances.

MinimumCapitalRequirementsMinimum Ratio + Capital Conservation Buffer(1)Minimum WellCapitalized(2)Tier 1 leverage ratio4.0 %N/AN/ARisk-based capital ratios:Tier 1 capital ratio6.0 8.5 6.0 Common equity tier 1 capital ratio4.5 7.0 N/ATotal capital ratio8.0 10.5 10.0 

(1)Reflects the Capital Conservation Buffer of 2.5%.

(2)Reflects the well-capitalized standard applicable to the Company for purposes of the Federal Reserve’s Regulation Y. The Federal Reserve has not yet revised the well-capitalized standard