Company: WTFCN
Filing Date: 2025-11-06
Form Type: 10-Q
Source: 0001015328-25-000207
Chunk: 186

Company: WINTRUST FINANCIAL CORP
Filing Date: 2025-11-06
Form: 10-Q
Item: Item 2
Chunk 186
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518 44,754 54,314 Premium finance receivables—life insurance— 327 — Consumer and other98 225 150 Total non-performing loans$162,632 $188,838 $179,687 Other real estate owned24,832 23,615 13,682 Total non-performing assets$187,464 $212,453 $193,369 Total non-performing loans by category as a percent of its own respective category’s period-end balance:Commercial0.40 %0.49 %0.42 %Commercial real estate0.21 0.25 0.33 Home equity0.27 0.38 0.26 Residential real estate0.70 0.71 0.53 Premium finance receivables—property and casualty0.45 0.54 0.76 Premium finance receivables—life insurance— 0.00 — Consumer and other0.07 0.19 0.18 Total non-performing loans0.31 %0.37 %0.38 %Total non-performing assets, as a percentage of total assets0.27 %0.31 %0.30 %Total nonaccrual loans as a percentage of total loans0.29 %0.34 %0.34 %Allowance for credit losses as a percentage of nonaccrual loans303.67 %262.71 %270.53 %

(1)Excludes early buy-out loans guaranteed by U.S. government agencies. Early buy-out loans are insured or guaranteed by the FHA or the U.S. Department of Veterans Affairs, subject to indemnifications and insurance limits for certain loans.  

At this time, management believes reserves are appropriate to absorb losses that are expected upon the ultimate resolution of these credits. Significant increases may occur in subsequent periods due to ongoing macroeconomic uncertainty and related impacts on borrowers. Management will continue to actively review and monitor its loan portfolios, in an effort to identify  problem credits in a timely manner.

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Table of Contents

Non-performing Loans Rollforward, excluding early buy-out loans guaranteed by U.S. government agencies

The table below presents a summary of non-performing loans for the periods presented:     Three Months EndedNine Months EndedSeptember 30,September 30,September 30,September 30,(In