Company: WTFCN
Filing Date: 2025-02-28
Form Type: 10-K
Source: 0001015328-25-000093
Chunk: 281

Company: WINTRUST FINANCIAL CORP
Filing Date: 2025-02-28
Form: 10-K
Item: Item 7
Chunk 281
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4, representing an increase of $8.6 billion, or 15%, when compared to December 31, 2023. Total funding, which includes deposits, all notes and advances, including secured borrowings and junior subordinated debentures, was $56.8 billion at December 31, 2024 and $49.1 billion at December 31, 2023. See Notes (3), (4), and (10) through (14) to the Consolidated Financial Statements in Item 8 for additional period-end detail on the Company’s interest-earning assets and funding liabilities.

Interest-Earning Assets

The following table sets forth, by category, the composition of average earning assets and the relative percentage of each category to total average earning assets for the periods presented:

 Years Ended December 31, 202420232022(Dollars in thousands)BalancePercentBalancePercentBalancePercentMortgage loans held-for-sale$348,278 1 %$294,421 1 %$496,088 1 %Loans:Commercial14,075,830 25 12,478,768 25 11,897,776 25 Commercial real estate12,180,253 22 10,631,288 21 9,432,526 20 Home equity384,095 1 337,836 1 327,506 1 Residential real estate 3,044,847 5 2,497,553 5 1,968,333 4 Premium finance receivables14,992,245 27 14,295,504 28 12,993,677 27 Other loans88,175 0 83,523 0 64,710 0 Total loans, net of unearned income (1)$44,765,445 80 %$40,324,472 80 %$36,684,528 77 %Liquidity management assets (2)10,761,682 19 9,546,195 19 10,209,151 22 Other earning assets (3)17,113 0 17,129 0 22,391 0 Total average earning assets$55,892,518 100 %$50,182,217 100 %$47,412,158 100 %Total average assets$59,416,909 $53,529