Company: WTFCN
Filing Date: 2025-08-06
Form Type: 10-Q
Source: 0001015328-25-000188
Chunk: 126

Company: WINTRUST FINANCIAL CORP
Filing Date: 2025-08-06
Form: 10-Q
Item: Item 1
Chunk 126
---
326 244 Total charge-offs18,495 34,756 35,944 58,597 Recoveries:Commercial1,746 950 2,675 1,429 Commercial real estate10 90 22 121 Home equity30 35 246 64 Residential real estate2 8 138 10 Premium finance receivables - property & casualty3,335 3,658 6,822 5,177 Premium finance receivables - life insurance— 5 — 13 Consumer and other32 24 61 47 Total recoveries5,155 4,770 9,964 6,861 Net charge-offs(13,340)(29,986)(25,980)(51,736)Allowance for credit losses at period end$457,063 $437,069 $457,063 $437,069 Annualized net charge-offs (recoveries) by category as a percentage of its own respective category’s average:Commercial0.11 %0.25 %0.17 %0.29 %Commercial real estate0.17 0.53 0.10 0.36 Home equity0.07 (0.04)(0.06)0.01 Residential real estate(0.00)0.00 (0.01)0.00 Premium finance receivables - property & casualty0.16 0.33 0.18 0.33 Premium finance receivables - life insurance— (0.00)0.00 (0.00)Consumer and other0.44 0.56 0.44 0.49 Total loans, net of unearned income0.11 %0.28 %0.11 %0.24 %Loans at period-end$51,041,679 $44,675,531 Allowance for loan losses as a percentage of loans at period end0.77 %0.81 %Allowance for loan and unfunded loan-related commitment losses as a percentage of loans at period end0.90 0.98 

See Note (7) “Allowance for Credit Losses” of the Consolidated Financial Statements presented under Item 1 of this report for further discussion of activity within the allowance for credit losses during the period and the relationship with respective loan balances