Company: WTFCN
Filing Date: 2025-05-05
Form Type: 10-Q
Source: 0001015328-25-000130
Chunk: 17

Company: WINTRUST FINANCIAL CORP
Filing Date: 2025-05-05
Form: 10-Q
Item: Item 1
Chunk 17
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urities having a carrying value of $7.0 billion at March 31, 2025 as well as securities having a carrying value of $6.9 billion and $7.2 billion at December 31, 2024 and March 31, 2024, respectively, were pledged as collateral for public deposits, trust deposits, Federal Home Loan Bank (“FHLB”) advances, Federal Reserve Bank (“FRB”) discount window, securities sold under repurchase agreements and derivatives. At March 31, 2025, there were no securities of a single issuer, other than U.S. government-sponsored agency securities, which exceeded 10% of shareholders’ equity.

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(6) Loans

The following table shows the Company’s loan portfolio by category as of the dates shown:March 31,December 31,March 31,(Dollars in thousands)202520242024Balance:Commercial$15,931,326 $15,574,551 $13,503,481 Commercial real estate12,914,901 12,903,944 11,633,437 Home equity455,683 445,028 340,349 Residential real estate3,685,159 3,612,765 2,890,266 Premium finance receivables—property & casualty7,239,862 7,272,042 6,940,019 Premium finance receivables—life insurance8,365,140 8,147,145 7,872,033 Consumer and other116,319 99,562 51,121     Total loans, net of unearned income$48,708,390 $48,055,037 $43,230,706 Mix:Commercial33 %32 %31 %Commercial real estate26 27 27 Home equity1 1 1 Residential real estate8 8 7 Premium finance receivables—property & casualty15 15 16 Premium finance receivables—life insurance17 17 18 Consumer and other0 0 0 Total loans, net of unearned income100 %100 %100 %-The Company’s loan portfolio is generally comprised of loans to consumers and small to medium-sized businesses, which, for the commercial and commercial real estate portfolios, are located primarily within the geographic market areas that the banks serve. Various niche lending businesses, including franchise lending and insurance agency lending,