Company: WTFCN
Filing Date: 2025-08-06
Form Type: 10-Q
Source: 0001015328-25-000188
Chunk: 116

Company: WINTRUST FINANCIAL CORP
Filing Date: 2025-08-06
Form: 10-Q
Item: Item 1
Chunk 116
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 for loan originations are used to purchase investment securities and short term money market investments, to sell as federal funds and to maintain in interest bearing deposits with banks. The balances of these assets can fluctuate based on management’s ongoing effort to manage liquidity and for asset liability management purposes. The Company will continue to prudently evaluate and utilize liquidity sources as needed, including the management of availability with the FHLB and FRB and utilization of the revolving credit facility with unaffiliated banks.

The following table sets forth, by category, the composition of average earning asset balances and the relative percentage of total average earning assets for the periods presented:

Six Months EndedJune 30, 2025June 30, 2024(Dollars in thousands)BalancePercentBalancePercentMortgage loans held-for-sale$298,688 0 %$318,756 1 %Loans:Commercial$15,638,040 26 %$13,316,638 25 %Commercial real estate13,013,877 21 11,658,787 22 Home equity454,091 1 346,083 1 Residential real estate3,621,991 6 2,812,384 5 Premium finance receivables—property & casualty7,478,821 12 6,915,466 13 Premium finance receivables—life insurance8,352,638 14 7,844,700 15 Other loans120,702 0 80,565 0 Total average loans (1)$48,680,160 80 %$42,974,623 81 %Liquidity management assets (2)12,302,121 20 9,888,817 18 Other earning assets (3)6,533 0 15,169 0 Total average earning assets$61,287,502 100 %$53,197,365 100 %Total average assets$64,978,481 $56,547,939 Total average earning assets to total average assets94 %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.

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Maturities and Sensitivities