Company: WTFCN
Filing Date: 2025-05-05
Form Type: 10-Q
Source: 0001015328-25-000130
Chunk: 99

Company: WINTRUST FINANCIAL CORP
Filing Date: 2025-05-05
Form: 10-Q
Item: Item 1
Chunk 99
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 Total consumer and other$106,585 $7,937 $883 $914 $116,319 Total per categoryFixed rate$8,617,862 $6,687,371 $2,567,510 $1,144,359 $19,017,102 Variable rate27,240,166 635,425 1,815,697 — 29,691,288 Total loans, net of unearned income$35,858,028 $7,322,796 $4,383,207 $1,144,359 $48,708,390 Less: Existing cash flow hedging derivatives (1)(6,700,000)Total loans repricing or maturing in one year or less, adjusted for cash flow hedging activity$29,158,028 Variable Rate Loan Pricing by Index:SOFR tenors (2)$18,328,835 12- month CMT (3)6,722,305 Prime3,420,624 Fed Funds819,437 Other U.S. Treasury tenors190,187 Other209,900 Total variable rate$29,691,288 

(1)Excludes cash flow hedges with future effective starting dates.

(2)   SOFR - Secured Overnight Financing Rate.

(3)   CMT - Constant Maturity Treasury Rate.

59

CREDIT QUALITY

Commercial and Commercial Real Estate Loan Portfolios

Our commercial and commercial real estate loan portfolios are comprised primarily of lines of credit for working capital purposes and commercial real estate loans. The table below sets forth information regarding the types and amounts of our loans within these portfolios as of March 31, 2025 and 2024:

As of March 31, 2025As of March 31, 2024AllowanceAllowance% ofFor Credit% ofFor CreditTotalLossesTotalLosses(Dollars in thousands)BalanceBalanceAllocationBalanceBalanceAllocationCommercial:Commercial, industrial, and other$15,931,326 55.2 %$201,183 $13,503,481 53.7 %$166,518 Commercial Real Estate:Construction and development$2,448,881 8.5 %$71,388 $2,150,314 8.6 %$96,052 Non-construction10,466,020 36.3 %138