Company: WTFCN
Filing Date: 2025-02-28
Form Type: 10-K
Source: 0001015328-25-000093
Chunk: 317

Company: WINTRUST FINANCIAL CORP
Filing Date: 2025-02-28
Form: 10-K
Item: Item 7
Chunk 317
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 balance sheet and off-balance sheet activities. Failure to meet minimum capital requirements can initiate certain mandatory — and possibly discretionary — actions by regulators, that if undertaken could have a direct material effect on the Company’s financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Company and the banks must meet specific capital guidelines that involve quantitative measures of the Company’s assets, liabilities, and certain off-balance sheet items as calculated under regulatory accounting practices. The Federal Reserve’s capital guidelines require bank holding companies to maintain a minimum ratio of 

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qualifying total capital to risk-weighted assets of 8.0%, of which at least 4.5% must be in the form of Common Equity Tier 1 capital and 6.0% must be in the form of Tier 1 capital. The Federal Reserve also requires a minimum leverage ratio of Tier 1 capital to total assets of greater than 4.0%. In addition, the Federal Reserve continues to consider the Tier 1 leverage ratio in evaluating proposals for expansion or new activities.

The following table summarizes the capital guidelines for bank holding companies as of December 31, 2024, as well as certain ratios relating to the Company’s equity and assets as of December 31, 2024, 2023 and 2022:

MinimumRatiosMinimum Ratio + Capital Conservation Buffer (1)Minimum WellCapitalizedRatios (2)202420232022Tier 1 Leverage Ratio4.0 %N/AN/A9.4 %9.3 %8.8 %Risk-based capital ratios:Tier 1 Capital Ratio6.0 8.50 6.0 10.7 10.3 10.0 Common equity tier 1 capital ratio4.5 7.00 N/A9.9 9.4 9.1 Total capital ratio8.0 10.5010.0 12.3 12.1 11.9 Other ratios:Total average equity to total average assets N/AN/AN/A9.8 9.4 9.2 Dividend payout ratioN/AN/AN/A17.5 16.7 17.0 

(1)Reflects the Capital Conservation Buffer of 2.50%.

(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