Company: WTFCN
Filing Date: 2025-08-06
Form Type: 10-Q
Source: 0001015328-25-000188
Chunk: 173

Company: WINTRUST FINANCIAL CORP
Filing Date: 2025-08-06
Form: 10-Q
Item: Item 2
Chunk 173
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 periods presented:

Three Months EndedJune 30, 2025March 31, 2025June 30, 2024(Dollars in thousands)BalancePercentBalancePercentBalancePercentMortgage loans held-for-sale$310,534 0 %$286,710 1 %$347,236 1 %Loans, net of unearned incomeCommercial$15,909,323 26 %$15,363,740 25 %$13,729,524 25 %Commercial real estate13,095,845 21 12,931,000 21 11,810,525 22 Home equity459,033 1 449,095 1 348,306 1 Residential real estate 3,700,917 6 3,542,189 6 2,893,829 5 Premium finance receivables—property & casualty7,762,161 12 7,192,332 12 7,076,053 13 Premium finance receivables—life insurance8,455,443 14 8,248,690 14 7,880,205 15 Other loans134,913 0 106,334 0 80,912 0 Total average loans (1)$49,517,635 80 %$47,833,380 79 %$43,819,354 81 %Liquidity management assets (2)12,391,760 20 12,211,485 20 9,942,859 18 Other earning assets (3)— 0 13,140 0 15,257 0 Total average earning assets$62,219,929 100 %$60,344,715 100 %$54,124,706 100 %Total average assets$65,840,345 $64,107,042 $57,493,184 Total average earning assets to total average assets95 %94 %94 %

(1)Total average loans includes nonaccrual loans.

(2)Liquidity management assets include investment securities, other securities, interest earning deposits with banks, federal funds sold and securities purchased under resale agreements.

(3)Other earning assets include brokerage customer receivables and trading account securities.

Mortgage loans held-for-sale.  Mortgage loans held-for-sale represents such