Company: WSBC
Filing Date: 2025-03-03
Form Type: 10-K
Source: 0000950170-25-030795
Chunk: 72

Company: WESBANCO INC
Filing Date: 2025-03-03
Form: 10-K
Item: Item 8
Chunk 72
---
        —

        —

        Total
         
        $
        1,352,083

        $
        5,974,598

        $
        1,787,277

        $
        9,113,958

        As of December 31, 2023

        Pass
         
        $
        1,053,359

        $
        5,337,394

        $
        1,586,683

        $
        7,977,436

        Criticized—compromised

        2,497

        107,473

        73,204

        183,174

        Classified—substandard

        9

        64,716

        10,772

        75,497

        Classified—doubtful

        —

        —

        —

        —

        Total
         
        $
        1,055,865

        $
        5,509,583

        $
        1,670,659

        $
        8,236,107

       Residential real estate, home equity and consumer loans are not assigned internal risk grades other than as required by regulatory guidelines that are based primarily on the age of past due loans. Wesbanco primarily evaluates the credit quality of residential real estate, home equity and consumer loans based on repayment performance and historical loss rates. The aggregate amount of residential real estate, home equity and consumer loans classified as substandard in accordance with regulatory guidelines were $23.3 million at December 31, 2024 and $20.0 million at December 31, 2023, of which $4.5 million and $4.6 million were accruing, for each period, respectively. These loans are not included in the tables above. In addition, $36.1 million and $21.2 million of unfunded criticized and classified commercial loan commitments are not included in the tables above for December 31, 2024 and 2023, respectively. 

96

Past Due and Nonperforming Loans The following tables summarize the age analysis of all categories of loans. 

        Age Analysis of Loans

        (in thousands)
         
        Current

        30-59 DaysPast Due

        60-89 DaysPast Due

        90 Daysor MorePast Due

        TotalPast Due

        TotalLoans

        90 Daysor MorePast Due andAccru