Company: WFC-PC
Filing Date: 2025-10-31
Form Type: 10-Q
Source: 0000072971-25-000253
Chunk: 147

Company: WELLS FARGO & COMPANY/MN
Filing Date: 2025-10-31
Form: 10-Q
Item: Item 5
Chunk 147
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 in a judicial or non-judicial state. Judicial states require the foreclosure to be processed through the state’s courts while non-judicial states are processed without court intervention. Foreclosure timelines vary according to state law.LOANS 90 DAYS OR MORE PAST DUE AND STILL ACCRUING.  Certain loans 90 days or more past due are still accruing, because they are (1) well-secured and in the process of collection or (2) residential mortgage or consumer loans exempt under regulatory rules from being classified as nonaccrual until later delinquency, usually 120 days past due.Table 5.14 shows loans 90 days or more past due and still accruing by class for loans not government insured/guaranteed.Table 5.14:  Loans 90 Days or More Past Due and Still Accruing(in millions)Sep 30,2025Dec 31,2024Total:$3,526 4,802 Less: government insured/guaranteed loans (1)2,266 2,801 Total, not government insured/guaranteed$1,260 2,001 By segment and class, not government insured/guaranteed:Commercial and industrial$138 537 Commercial real estate244 468 Total commercial382 1,005 Residential mortgage39 39 Credit card764 852 Auto47 71 Other consumer28 34 Total consumer878 996 Total, not government insured/guaranteed$1,260 2,001 (1)Represents residential mortgage loans whose repayments are insured or guaranteed by U.S. government agencies, such as the FHA or the VA.

Wells Fargo & Company81

Note 5:  Loans and Related Allowance for Credit Losses (continued)

LOAN MODIFICATIONS TO BORROWERS EXPERIENCING FINANCIAL DIFFICULTY.  We may agree to modify the contractual terms of a loan to a borrower experiencing financial difficulty.The following disclosures provide information on loan modifications in the form of principal forgiveness, interest rate reductions, other-than-insignificant (e.g., greater than three months) payment delays, term extensions or a combination of these modifications, as well as the financial effects of these modifications, and loan performance in the twelve months following the modification. Loans that both modify and are paid off or charged-off during the period are not included in the disclosures below. These disclosures do not include loans discharged by a bankruptcy court as the only