Company: WTFCN
Filing Date: 2025-02-28
Form Type: 10-K
Source: 0001015328-25-000093
Chunk: 244

Company: WINTRUST FINANCIAL CORP
Filing Date: 2025-02-28
Form: 10-K
Item: Item 7
Chunk 244
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12 Return on average assets1.17 1.16 1.01 1 15 Return on average common equity12.32 12.90 11.41 (58)149 Return on average tangible common equity (non-GAAP) (1)14.58 15.23 13.73 (65)150 At end of periodTotal assets$64,879,668 $56,259,934 $52,949,649 15 %6 %Total loans, excluding loans held-for-sale48,055,037 42,131,831 39,196,485 14 7 Total deposits52,512,349 45,397,170 42,902,544 16 6 Total shareholders’ equity6,344,297 5,399,526 4,796,838 17 13 Average loans to average deposits ratio93.8 %93.1 %87.5 %70  bp560  bpBook value per common share (1)$89.21 $81.43 $72.12 10 %13 %Tangible book value per common share (non-GAAP) (1)75.39 70.33 61.00 7 15 Common equity to assets ratio (1)9.1 %8.9 %8.3 %20 bp60 bpTangible common equity ratio (non-GAAP) (1)7.8 7.7 7.1 10 60 Market price per common share$124.71 $92.75 $84.52 34 %10 %Allowance for loan and unfunded lending-related commitment losses to total loans0.91 %1.01 %0.91 %(10) bp10  bpNon-performing loans to total loans0.36 0.33 0.26 3 7 

(1)See “Non-GAAP Financial Measures/Ratios” for additional information on this performance measure/ratio.

(2)Net revenue is net interest income plus non-interest income.

(3)The net overhead ratio is calculated by netting total non-interest expense and total non-interest income and dividing by that period’s total average assets. A lower ratio indicates a higher degree of efficiency.

Please refer to the Consolidated Results of Operations section later