Company: WTFCN
Filing Date: 2025-05-05
Form Type: 10-Q
Source: 0001015328-25-000130
Chunk: 96

Company: WINTRUST FINANCIAL CORP
Filing Date: 2025-05-05
Form: 10-Q
Item: Item 1
Chunk 96
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1 440,518 1 343,861 1 Residential real estate 3,542,189 6 3,378,435 6 2,730,938 5 Premium finance receivables15,441,022 26 15,227,586 25 14,564,075 28 Other loans106,334 0 107,326 0 80,217 0 Total average loans (1)$47,833,380 79 %$47,153,014 79 %$42,129,893 81 %Liquidity management assets (2)12,211,485 20 12,296,112 20 9,834,776 18 Other earning assets (3)13,140 0 20,528 0 15,081 0 Total average earning assets$60,344,715 100 %$59,848,361 100 %$52,270,025 100 %Total average assets$64,107,042 $63,594,105 $55,602,695 Total average earning assets to total average assets94 %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 loans awaiting subsequent sale in the secondary market with such sales eliminating the interest-rate risk associated with these loans, as they are predominantly long-term fixed rate loans, and provide a source of non-interest revenue. The decrease in average balance for the first quarter of 2025 as compared to the sequential and prior year periods is primarily due to lower mortgage origination production. 

Loans, net of unearned income. Growth realized in the combined commercial and commercial real estate loan categories for the first quarter of 2025 as compared to the sequential and prior year periods is primarily attributable to increased business development efforts. The aggregate balances of these loan categories comprised 59% in the first quarter of 2025 and fourth quarter of 2024 and 58% of the average loan portfolio in the first quarter of 2024. 

Residential real estate loans averaged $3.5