Company: WTFCN
Filing Date: 2025-02-28
Form Type: 10-K
Source: 0001015328-25-000093
Chunk: 155

Company: WINTRUST FINANCIAL CORP
Filing Date: 2025-02-28
Form: 10-K
Item: Item 8
Chunk 155
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17 %DecreaseConstant prepayment rate (CPR) - current loans8.29 %8.29 %DecreaseAverage life - delinquent loans (in years)1.7 years - 11.3 years6.1 yearsDecreaseMSRs203,788 Discounted cash flowsDiscount rate6% - 18%10.95 %DecreaseConstant prepayment rate (CPR)4% - 90%8.29 %DecreaseCost of servicing$70 - $200$76 DecreaseCost of servicing - delinquent$200 - $1,000$378 DecreaseDerivatives1,950 Discounted cash flowsPull-through rate1% - 100%82.52 %IncreaseMeasured at fair value on a non-recurring basis:Individually assessed loans - foreclosure probable and collateral-dependent119,325 Appraisal valueAppraisal adjustment - cost of sale10 %10.00 %DecreaseOther real estate owned23,116 Appraisal valueAppraisal adjustment - cost of sale10 %10.00 %Decrease

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The Company is required under applicable accounting guidance to report the fair value of all financial instruments on the Consolidated Statements of Condition, including those financial instruments carried at cost. The table below presents the carrying amounts and estimated fair values of the Company’s financial instruments as of the dates shown: December 31, 2024December 31, 2023(In thousands)CarryingValueFairValueCarryingValueFairValueFinancial Assets:Cash and cash equivalents$458,536 $458,536 $423,464 $423,464 Interest-bearing deposits with banks4,409,753 4,409,753 2,084,323 2,084,323 Available-for-sale securities4,141,482 4,141,482 3,502,915 3,502,915 Held-to-maturity securities3,613,263 2,910,550 3,856,916 3,215,468 Trading account securities4,072 4,072 4,707 4,707 Equity securities with readily determinable fair value215,412 215,412 139,268 139,268 FHLB and FRB stock, at cost281,407 281,407 205,003 205,003 Brokerage customer receivables18,