Company: WTFCN
Filing Date: 2025-05-05
Form Type: 10-Q
Source: 0001015328-25-000130
Chunk: 29

Company: WINTRUST FINANCIAL CORP
Filing Date: 2025-05-05
Form: 10-Q
Item: Item 1
Chunk 29
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 interest receivable balances because these balances are written off in a timely manner as a reduction to interest income when assets are placed on nonaccrual status.

Loan portfoliosA summary of activity in the allowance for credit losses, specifically for the loan portfolio (i.e. allowance for loan losses and allowance for unfunded commitment losses), for the three months ended March 31, 2025 and March 31, 2024 is as follows: Three months ended March 31, 2025Commercial Real EstateHome  EquityResidential Real EstatePremium Finance ReceivablesConsumer and OtherTotal Loans(In thousands)CommercialAllowance for credit losses at beginning of period$175,837 $222,856 $8,943 $10,335 $17,820 $812 $436,603 Other adjustments— — — — 4 — 4 Charge-offs(9,722)(454)— — (7,126)(147)(17,449)Recoveries929 12 216 136 3,487 29 4,809 Provision for credit losses - Other34,139 (12,404)(20)181 1,854 224 23,974 Allowance for credit losses at period end$201,183 $210,010 $9,139 $10,652 $16,039 $918 $447,941 By measurement method:Individually measured$25,278 $6,772 $85 $43 $— $14 $32,192 Collectively measured175,905 203,238 9,054 10,609 16,039 904 415,749 Loans at period endIndividually measured$70,560 $26,187 $2,070 $22,434 $— $18 $121,269 Collectively measured15,860,766 12,888,714 453,613 3,536,204 15,605,002 116,301 48,460,600 Loans held at fair value— — — 126,521 — — 126,521 

18

Three months ended March 31, 2024CommercialCommercial Real EstateHome   EquityResidential Real EstatePremium Finance ReceivablesConsumer and OtherTotal Loans(In thousands)Allowance for credit losses at beginning of period