Company: WSBC
Filing Date: 2025-03-03
Form Type: 10-K
Source: 0000950170-25-030795
Chunk: 220

Company: WESBANCO INC
Filing Date: 2025-03-03
Form: 10-K
Item: Item 7
Chunk 220
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 rates on installment obligations are generally fixed for the term of the loan, while lines of credit are adjustable daily based on the Prime Rate.

53

TABLE 15. MATURITIES OF RETAIL LOANS

    December 31, 2024

    Fixed Rate Loans

    Variable Rate Loans

    (in thousands)
     
    In OneYear orLess

    After OneYear ThroughFiveYears

    After FiveYears ThroughFifteen Years

    After Fifteen Years

    Total

    In OneYear orLess

    After OneYear ThroughFive Years

    After FiveYears ThroughFifteen Years

    After Fifteen Years

    Total

    Residential real estate
     
    $
    4,235

    $
    60,999

    $
    100,177

    $
    143,566

    $
    308,977

    $
    367

    $
    4,812

    $
    34,992

    $
    2,170,938

    $
    2,211,109

    Home equity lines of credit

    426

    11,655

    53,422

    1,101

    66,604

    21,958

    23,468

    72,895

    636,185

    754,506

    Consumer

    6,814

    102,836

    54,491

    7

    164,148

    9,750

    13,276

    14,101

    —

    37,127

    Total retail loans
     
    $
    11,475

    $
    175,490

    $
    208,090

    $
    144,674

    $
    539,729

    $
    32,075

    $
    41,556

    $
    121,988

    $
    2,807,123

    $
    3,002,742

The primary factors that are considered in underwriting retail loans are the borrower’s credit history and their current and reasonably anticipated ability to repay their obligations as measured by their total debt-to-income ratio. Portfolio residential real estate loans are generally underwritten to secondary market lending standards using automated underwriting systems developed for the secondary market that rely on empirical data to