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UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
 _________________________________________

FORM 10-Q
_________________________________________
QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934
For the quarterly period ended March 31, 2024
OR
TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934
For the transition period from              to
Commission File Number 001-35077
_____________________________________ 
WINTRUST FINANCIAL CORPORATION
(Exact name of registrant as specified in its charter) 
Illinois36-3873352
(State of incorporation or organization)(I.R.S. Employer Identification No.)
9700 W. Higgins Road, Suite 800
Rosemont, Illinois 60018
(Address of principal executive offices)
(847939-9000
(Registrant’s telephone number, including area code)
Title of Each Class Ticker SymbolName of Each Exchange on Which Registered
Common Stock, no par valueWTFCThe NASDAQ Global Select Market
Fixed-to-Floating Rate Non-Cumulative Perpetual Preferred Stock, Series D, no par valueWTFCMThe NASDAQ Global Select Market
Depositary Shares, Each Representing a 1/1,000th Interest in a Share of
WTFCPThe NASDAQ Global Select Market
6.875% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series E, no par value
____________________________________ 
Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.    Yes      No  
Indicate by check mark whether the registrant has submitted electronically and posted on its corporate Web site, if any, every Interactive Data File required to be submitted and posted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit and post such files).    Yes      No  
Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, smaller reporting company, or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company,” and “emerging growth company” in Rule 12b-2 of the Exchange Act. (Check one):
Large accelerated filerAccelerated filer
Non-accelerated filer
(Do not check if a smaller reporting company)Smaller reporting company
Emerging growth company
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.    ☐
Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).    Yes   ☐    No  
Indicate the number of shares outstanding of each of the issuer’s classes of common stock, as of the latest practicable date.
Common Stock — no par value, 61,753,551 shares, as of April 30, 2024


TABLE OF CONTENTS
 



PART I
ITEM 1. FINANCIAL STATEMENTS
WINTRUST FINANCIAL CORPORATION AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF CONDITION
(Unaudited)(Unaudited)
(Dollars in thousands, except per share data)March 31,
2024
December 31,
2023
March 31,
2023
Assets
Cash and due from banks$379,825 $423,404 $445,928 
Federal funds sold and securities purchased under resale agreements61 60 58 
Interest-bearing deposits with banks2,131,077 2,084,323 1,563,578 
Available-for-sale securities, at fair value4,387,598 3,502,915 3,259,845 
Held-to-maturity securities, at amortized cost, net of allowance for credit losses of $329, $347 and $463 at March 31, 2024, December 31, 2023 and March 31, 2023, respectively ($3.1 billion, $3.2 billion and $3.0 billion fair value at March 31, 2024, December 31, 2023 and March 31, 2023, respectively)
3,810,015 3,856,916 3,606,391 
Trading account securities2,184 4,707 102 
Equity securities with readily determinable fair value119,777 139,268 111,943 
Federal Home Loan Bank and Federal Reserve Bank stock224,657 205,003 244,957 
Brokerage customer receivables13,382 10,592 16,042 
Mortgage loans held-for-sale, at fair value339,884 292,722 302,493 
Loans, net of unearned income43,230,706 42,131,831 39,565,471 
Allowance for loan losses(348,612)(344,235)(287,972)
Net loans42,882,094 41,787,596 39,277,499 
Premises, software and equipment, net744,769 748,966 760,283 
Lease investments, net283,557 281,280 256,301 
Accrued interest receivable and other assets1,580,142 1,551,899 1,413,795 
Trade date securities receivable 690,722 939,758 
Goodwill656,181 656,672 653,587 
Other acquisition-related intangible assets21,730 22,889 20,951 
Total assets$57,576,933 $56,259,934 $52,873,511 
Liabilities and Shareholders’ Equity
Deposits:
Non-interest-bearing$9,908,183 $10,420,401 $11,236,083 
Interest-bearing36,540,675 34,976,769 31,482,128 
Total deposits46,448,858 45,397,170 42,718,211 
Federal Home Loan Bank advances2,676,751 2,326,071 2,316,071 
Other borrowings575,408 645,813 583,548 
Subordinated notes437,965 437,866 437,493 
Junior subordinated debentures253,566 253,566 253,566 
Accrued interest payable and other liabilities1,747,985 1,799,922 1,549,116 
Total liabilities52,140,533 50,860,408 47,858,005 
Shareholders’ Equity:
Preferred stock, no par value; 20,000,000 shares authorized:
Series D - $25 liquidation value; 5,000,000 shares issued and outstanding at March 31, 2024, December 31, 2023 and March 31, 2023
125,000 125,000 125,000 
Series E - $25,000 liquidation value; 11,500 shares issued and outstanding at March 31, 2024, December 31, 2023 and March 31, 2023
287,500 287,500 287,500 
Common stock, no par value; $1.00 stated value; 100,000,000 shares authorized at March 31, 2024, December 31, 2023 and March 31, 2023; 61,798,213 shares issued at March 31, 2024, 61,268,566 shares issued at December 31, 2023 and 61,197,979 shares issued at March 31, 2023
61,798 61,269 61,198 
Surplus1,954,532 1,943,806 1,913,947 
Treasury stock, at cost, 61,498 shares at March 31, 2024, 24,940 shares at December 31, 2023, and 21,564 shares at March 31, 2023
(5,757)(2,217)(1,966)
Retained earnings3,498,475 3,345,399 2,997,263 
Accumulated other comprehensive loss(485,148)(361,231)(367,436)
Total shareholders’ equity5,436,400 5,399,526 5,015,506 
Total liabilities and shareholders’ equity$57,576,933 $56,259,934 $52,873,511 
See accompanying notes to unaudited consolidated financial statements.
1

WINTRUST FINANCIAL CORPORATION AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF INCOME (UNAUDITED)
Three Months Ended
(Dollars in thousands, except per share data)March 31,
2024
March 31,
2023
Interest income
Interest and fees on loans$710,341 $558,692 
Mortgage loans held-for-sale4,146 3,528 
Interest-bearing deposits with banks16,658 13,468 
Federal funds sold and securities purchased under resale agreements19 70 
Investment securities69,678 59,943 
Trading account securities18 14 
Federal Home Loan Bank and Federal Reserve Bank stock4,478 3,680 
Brokerage customer receivables175 295 
Total interest income805,513 639,690 
Interest expense
Interest on deposits299,532 144,802 
Interest on Federal Home Loan Bank advances22,048 19,135 
Interest on other borrowings9,248 7,854 
Interest on subordinated notes5,487 5,488 
Interest on junior subordinated debentures5,004 4,416 
Total interest expense341,319 181,695 
Net interest income464,194 457,995 
Provision for credit losses21,673 23,045 
Net interest income after provision for credit losses442,521 434,950 
Non-interest income
Wealth management34,815 29,945 
Mortgage banking27,663 18,264 
Service charges on deposit accounts14,811 12,903 
Gains on investment securities, net1,326 1,398 
Fees from covered call options4,847 10,391 
Trading gains, net677 813 
Operating lease income, net14,110 13,046 
Other42,331 21,009 
Total non-interest income140,580 107,769 
Non-interest expense
Salaries and employee benefits195,173 176,781 
Software and equipment27,731 24,697 
Operating lease equipment 10,683 9,833 
Occupancy, net19,086 18,486 
Data processing9,292 9,409 
Advertising and marketing13,040 11,946 
Professional fees9,553 8,163 
Amortization of other acquisition-related intangible assets1,158 1,235 
FDIC insurance14,537 8,669 
Other real estate owned expense, net392 (207)
Other32,500 30,157 
Total non-interest expense333,145 299,169 
Income before taxes249,956 243,550 
Income tax expense62,662 63,352 
Net income$187,294 $180,198 
Preferred stock dividends6,991 6,991 
Net income applicable to common shares$180,303 $173,207 
Net income per common share—Basic$2.93 $2.84 
Net income per common share—Diluted$2.89 $2.80 
Cash dividends declared per common share$0.45 $0.40 
Weighted average common shares outstanding61,481 60,950 
Dilutive potential common shares928 873 
Average common shares and dilutive common shares62,409 61,823 
See accompanying notes to unaudited consolidated financial statements.
2

WINTRUST FINANCIAL CORPORATION AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (UNAUDITED)
 
Three Months Ended
(In thousands)March 31,
2024
March 31,
2023
Net income$187,294 $180,198 
Unrealized (losses) gains on available-for-sale securities
Before tax(77,888)47,040 
Tax effect20,601 (12,537)
Net of tax(57,287)34,503 
Reclassification of net gains on available-for-sale securities included in net income
Before tax(26)560 
Tax effect7 (151)
Net of tax(19)409 
Reclassification of amortization of unrealized gains on investment securities transferred to held-to-maturity from available-for-sale
Before tax50 43 
Tax effect(13)(11)
Net of tax37 32 
Net unrealized (losses) gains on available-for-sale securities(57,305)34,062 
Unrealized (losses) gains on derivative instruments
Before tax(82,091)34,666 
Tax effect21,713 (9,238)
Net unrealized (losses) gains on derivative instruments(60,378)25,428 
Foreign currency adjustment
Before tax(7,649)890 
Tax effect1,415 (180)
Net foreign currency adjustment(6,234)710 
Total other comprehensive (loss) income(123,917)60,200 
Comprehensive income$63,377 $240,398 
See accompanying notes to unaudited consolidated financial statements.
3

WINTRUST FINANCIAL CORPORATION AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS’ EQUITY (UNAUDITED)
(Dollars in thousands, except per share data)Preferred
stock
Common
stock
SurplusTreasury
stock
Retained
earnings
Accumulated other
comprehensive income (loss)
Total shareholders’ equity
Balance at January 1, 2023$412,500 $60,797 $1,902,474 $(304)$2,849,007 $(427,636)$4,796,838 
Cumulative effect adjustment from the adoption of ASU 2022-02 (TDR), net of tax— — — — (544)— (544)
Net income— — — — 180,198 — 180,198 
Other comprehensive income, net of tax— — — — — 60,200 60,200 
Cash dividends declared on common stock, $0.40 per share
— — — — (24,407)— (24,407)
Dividends on Series D preferred stock, $0.41 per share and Series E preferred stock, $429.69 per share
— — — — (6,991)— (6,991)
Stock-based compensation— — 8,295 — — — 8,295 
Common stock issued for:
Exercise of stock options — 54 2,162 — — — 2,216 
Restricted stock awards— 275 (275)(1,662)— — (1,662)
Employee stock purchase plan— 9 685 — — — 694 
Director compensation plan— 63 606 — — — 669 
Balance at March 31, 2023$412,500 $61,198 $1,913,947 $(1,966)$2,997,263 $(367,436)$5,015,506 
Balance at January 1, 2024$412,500 $61,269 $1,943,806 $(2,217)$3,345,399 $(361,231)$5,399,526 
Net income    187,294  187,294 
Other comprehensive loss, net of tax     (123,917)(123,917)
Cash dividends declared on common stock, $0.45 per share
    (27,227) (27,227)
Dividends on Series D preferred stock, $0.41 per share and Series E preferred stock, $429.69 per share
    (6,991) (6,991)
Stock-based compensation  9,157    9,157 
Common stock issued for:
Exercise of stock options  1 24    25 
Restricted stock awards 505 (469)(3,540)  (3,504)
Employee stock purchase plan 8 733    741 
Director compensation plan 15 1,281    1,296 
Balance at March 31, 2024$412,500 $61,798 $1,954,532 $(5,757)$3,498,475 $(485,148)$5,436,400 
See accompanying notes to unaudited consolidated financial statements.
4

WINTRUST FINANCIAL CORPORATION AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF CASH FLOWS (UNAUDITED)
Three Months Ended
(In thousands)March 31,
2024
March 31,
2023
Operating Activities:
Net income$187,294 $180,198 
Adjustments to reconcile net income to net cash provided by operating activities
Provision for credit losses21,673 23,045 
Depreciation, amortization and accretion, net21,464 18,798 
Stock-based compensation expense9,157 8,295 
Amortization of premium on securities, net190 275 
Accretion of discount and deferred fees on loans, net(3,601)(4,263)
Mortgage servicing rights fair value changes(3,210)10,863 
Non-designated derivatives fair value changes, net1,985 (2,805)
Originations and purchases of mortgage loans held-for-sale(475,613)(366,006)
Early buy-out exercises of mortgage loans held-for-sale guaranteed by U.S. government agencies, net of subsequent paydowns or payoffs(16,562)(6,334)
Proceeds from sales of mortgage loans held-for-sale446,262 366,509 
Bank owned life insurance (“BOLI”) (gains) losses(1,651)1,351 
Decrease in trading securities, net2,523 1,025 
(Increase) decrease in brokerage customer receivables, net(2,790)345 
Gains on mortgage loans sold(12,000)(10,795)
Gains on investment securities, net(1,326)(1,398)
(Gains) losses on sales of premises and equipment, net(146)93 
Losses on sales and fair value adjustments of other real estate owned, net207 99 
Increase in accrued interest receivable and other assets, net(40,478)(97,024)
Decrease in accrued interest payable and other liabilities, net(62,253)(53,830)
Net Cash Provided by Operating Activities71,125 68,441 
Investing Activities:
Proceeds from calls and sales of available-for-sale securities690,866 934,554 
Proceeds from payments and maturities of available-for-sale securities82,418 74,043 
Proceeds from payments, maturities and calls of held-to-maturity securities46,588 40,342 
Proceeds from sales of equity securities with readily determinable fair value45,000 23,592 
Proceeds from sales and capital distributions of equity securities without readily determinable fair value2,226 67 
Purchases of available-for-sale securities(1,045,047)(996,433)
Purchases of held-to-maturity securities (6,443)
Purchases of equity securities with readily determinable fair value(24,000)(23,697)
Purchases of equity securities without readily determinable fair value(2,900)(4,850)
(Purchases) redemptions of Federal Home Loan Bank and Federal Reserve Bank stock, net(19,654)20,198 
Distributions from investments in partnerships, net242 2,794 
Proceeds from sales of other real estate owned 435 
(Increase) decrease in interest-bearing deposits with banks, net(49,062)424,842 
Increase in loans, net(1,135,248)(365,885)
Purchases of premises and equipment, net(10,599)(9,139)
Net Cash (Used for) Provided by Investing Activities(1,419,170)114,420 
Financing Activities:
Increase (decrease) in deposit accounts, net1,051,686 (184,335)
Decrease in other borrowings, net(62,239)(13,968)
Increase in Federal Home Loan Bank advances, net350,680  
Cash payments to settle contingent consideration liabilities recognized in business combinations (57)
Issuance of common shares resulting from the exercise of stock options, employee stock purchase plan and director compensation plan2,098 3,579 
Common stock repurchases for tax withholdings related to stock-based compensation(3,540)(1,662)
Dividends paid(34,218)(31,398)
Net Cash Provided by (Used for) Financing Activities1,304,467 (227,841)
Net Decrease in Cash and Cash Equivalents(43,578)(44,980)
Cash and Cash Equivalents at Beginning of Period423,464 490,966 
Cash and Cash Equivalents at End of Period$379,886 $445,986 
See accompanying notes to unaudited consolidated financial statements.
5

WINTRUST FINANCIAL CORPORATION AND SUBSIDIARIES
NOTES TO UNAUDITED CONSOLIDATED FINANCIAL STATEMENTS

(1) Basis of Presentation

The interim consolidated financial statements of Wintrust Financial Corporation and its subsidiaries (collectively, “Wintrust” or the “Company”) presented herein are unaudited, but in the opinion of management, reflect all necessary adjustments of a normal or recurring nature for a fair presentation of results as of the dates and for the periods covered by the interim consolidated financial statements.

The accompanying interim consolidated financial statements are unaudited and do not include information or footnotes necessary for a complete presentation of financial condition, results of operations or cash flows in accordance with U.S. generally accepted accounting principles (“GAAP”). The interim unaudited consolidated financial statements should be read in conjunction with the consolidated financial statements and notes included in the Company’s Annual Report on Form 10-K for the year ended December 31, 2023 (“2023 Form 10-K”). Operating results reported for the period are not necessarily indicative of the results which may be expected for the entire year. Reclassifications of certain prior period amounts have been made to conform to the current period presentation.

The preparation of the financial statements requires management to make estimates, assumptions and judgments that affect the reported amounts of assets and liabilities. Management believes that the estimates made are reasonable; however, changes in estimates may be required if economic or other conditions develop differently from management’s expectations. Certain policies and accounting principles inherently have a greater reliance on the use of estimates, assumptions and judgments and as such have a greater possibility of producing results that could be materially different than originally reported. Management views critical accounting policies to be those which are highly dependent on subjective or complex judgments, estimates and assumptions, and where changes in those estimates and assumptions could have a significant impact on the financial statements. Management currently views the determination of the allowance for credit losses, including the allowance for loan losses, the allowance for unfunded commitment losses and the allowance for held-to-maturity securities losses, estimations of fair value, the valuations required for impairment testing of goodwill, the valuation and accounting for derivative instruments and income taxes as the accounting areas that require the most subjective and complex judgments, and as such could be the most subject to revision as new information becomes available. Descriptions of the Company’s significant accounting policies are included in Note (1) “Summary of Significant Accounting Policies” of the 2023 Form 10-K. In preparation of these financial statements, subsequent events were evaluated through the time the financial statements were issued. Financial statements are considered issued when they are widely distributed to all shareholders and other financial statement users or filed with the SEC.

(2) Recent Accounting Developments

Equity Method and Joint Ventures - Investments in Tax Credit Structures

In March 2023, the FASB issued ASU No. 2023-02, “Investments-Equity Method and Joint Ventures (Topic 323): Accounting for Investments in Tax Credit Structures Using the Proportional Amortization Method,” which allows reporting entities the option to apply the proportional amortization method to other tax credit programs besides the Low-Income Housing Tax Credit structures. The guidance requires application of the proportional amortization method on a tax-credit-program-by-tax-credit-program basis rather than electing the method at the reporting level entity level. The Company adopted ASU No. 2023-02 as of January 1, 2024. Adoption of this standard did not have a material impact on the Company’s consolidated financial statements.

Segment Reporting

In November 2023, the FASB issued ASU No. 2023-07, “Segment Reporting (Topic 280): Improvements to Reportable Segment Disclosures,” to enhance public entity disclosures regarding significant segment expenses which are regularly reported to an entity’s chief operating decision-maker (“CODM”) and included in a segment’s reported profit or loss. This ASU requires disclosure of the amount and composition of “other segment items,” the title and position of the CODM, and how the CODM uses reported measures of profit or loss to assess segment performance. Further, the guidance requires certain segment disclosures previously provided only annually, on an interim basis. This guidance is effective for fiscal years beginning after December 15, 2023, and interim periods within fiscal years beginning after December 15, 2024. The guidance is to be applied retrospectively. Early adoption is permitted. The Company is currently evaluating the impact of adopting this guidance on the consolidated financial statements.

6

Income Tax Disclosures

In December 2023, the FASB issued ASU No. 2023-09, “Income Taxes (Topic 740): Improvements to Income Tax Disclosures,” to enhance the transparency and decision usefulness of income tax disclosures. This ASU requires annually that all entities disclose increasingly disaggregated information on amount of income taxes paid. Further, this ASU requires annually that all public entities must disclose specific categories in the rate reconciliation and provide additional information for reconciling items that meet a specific quantitative threshold. This guidance is effective for fiscal years beginning after December 15, 2024, and is to be applied either on a prospective basis or retrospective basis. Early adoption is permitted. The Company is currently evaluating the impact of adopting this new guidance on the consolidated financial statements.

Compensation – Scope Application of Profits Interest and Similar Awards

In March 2024, the FASB issued ASU No. 2024-01, “Compensation – Stock Compensation (Topic 718): Scope Application of Profits Interest and Similar Awards” which clarifies the guidance by providing an illustrative example to demonstrate how an entity should apply the scope guidance in Topic 718 when determining whether profits interest and similar awards should be accounted for in accordance with Topic 718. For public business entities, this guidance is effective for fiscal years beginning after December 15, 2024, including interim periods therein, and is to be applied either on a prospective basis or retrospective basis. Early adoption is permitted. The Company is currently evaluating the impact of adopting this new guidance on the consolidated financial statements.

(3) Business Combinations

On April 3, 2023, the Company completed its acquisition of Rothschild & Co Asset Management US Inc. and Rothschild & Co Risk Based Investments LLC from Rothschild & Co North America Inc. As of the acquisition date, the Company acquired approximately $12.6 million in net assets. As the transaction was determined to be a business combination, the Company recorded goodwill of approximately $2.6 million on the purchase.

(4) Cash and Cash Equivalents

For purposes of the Consolidated Statements of Cash Flows, the Company considers cash and cash equivalents to include cash on hand, cash items in the process of collection, non-interest bearing amounts due from correspondent banks, federal funds sold and securities purchased under resale agreements with original maturities of three months or less. These items are included within the Company’s Consolidated Statements of Condition as cash and due from banks, and federal funds sold and securities purchased under resale agreements.

7

(5) Investment Securities

The following tables are a summary of the investment securities portfolios as of the dates shown:
March 31, 2024
(In thousands)Amortized
Cost
Gross
Unrealized
Gains
Gross
Unrealized
Losses
Fair
Value
Available-for-sale securities
U.S. Treasury$61,185 $ $(10)$61,175 
U.S. government agencies50,000  (4,285)45,715 
Municipal144,752 569 (4,731)140,590 
Corporate notes:
Financial issuers83,996  (8,264)75,732 
Other1,000  (7)993 
Mortgage-backed: (1)
Residential mortgage-backed securities4,396,962 480 (520,719)3,876,723 
Commercial (multi-family) mortgage-backed securities16,225 28 (577)15,676 
Collateralized mortgage obligations188,240 924 (18,170)170,994 
Total available-for-sale securities$4,942,360 $2,001 $(556,763)$4,387,598 
Held-to-maturity securities
U.S. government agencies$336,463 $ $(69,998)$266,465 
Municipal168,490 258 (4,709)164,039 
Mortgage-backed: (1)
Residential mortgage-backed securities3,007,304  (597,758)2,409,546 
Commercial (multi-family) mortgage-backed securities6,401  (281)6,120 
Collateralized mortgage obligations234,314 431 (22,983)211,762 
Corporate notes57,372 8 (3,358)54,022 
Total held-to-maturity securities$3,810,344 $697 $(699,087)$3,111,954 
Less: Allowance for credit losses(329)
Held-to-maturity securities, net of allowance for credit losses$3,810,015 
Equity securities with readily determinable fair value $123,421 $4,480 $(8,124)$119,777 
(1)None of our mortgage-backed securities are subprime.
8

December 31, 2023
Amortized
Cost
Gross
Unrealized
Gains
Gross
Unrealized
Losses
Fair
Value
(In thousands)
Available-for-sale securities
U.S. Treasury$6,960 $8 $ $6,968 
U.S. government agencies50,000  (4,876)45,124 
Municipal144,299 657 (3,998)140,958 
Corporate notes:
Financial issuers83,996  (8,456)75,540 
Other1,000  (9)991 
Mortgage-backed: (1)
Residential Mortgage-backed securities3,505,012 1,392 (446,784)3,059,620 
Commercial (multi-family) mortgage-backed securities13,201 68 (289)12,980 
Collateralized mortgage obligations175,346 1,400 (16,012)160,734 
Total available-for-sale securities$3,979,814 $3,525 $(480,424)$3,502,915