Company: WTFCN
Filing Date: 2025-02-28
Form Type: 10-K
Source: 0001015328-25-000093
Chunk: 300

Company: WINTRUST FINANCIAL CORP
Filing Date: 2025-02-28
Form: 10-K
Item: Item 7
Chunk 300
---
 loans, which no longer maintains the prior pools and related accounting concepts. Recognition of interest income on PCD loans is considered at the individual asset level following the Company’s accrual policies, instead of based upon the entire pool of loans. Due to the adoption of CECL, the Company included  $22.6 million of PCD loans in total non-performing loans as of  December 31, 2020. 

80

(Dollars in thousands)20242023202220212020Loans past due greater than 90 days and still accruing(2):Commercial$104 $98 $462 $15 $307 Commercial real estate— — — — — Home equity— — — — — Residential real estate— — — — — Premium finance receivables – property & casualty16,031 20,135 15,841 7,210 12,792 Premium finance receivables – life insurance— — 17,245 7 — Consumer and other47 54 49 137 264 Total loans past due greater than 90 days and still accruing$16,182 $20,287 $33,597 $7,369 $13,363 Non-accrual loans(3):Commercial$73,490 $38,940 $35,579 $20,399 $21,743 Commercial real estate21,042 35,459 6,387 21,746 46,107 Home equity1,117 1,341 1,487 2,574 6,529 Residential real estate23,762 15,391 10,171 16,440 26,071 Premium finance receivables – property & casualty28,797 27,590 13,470 5,433 13,264 Premium finance receivables – life insurance6,431 — — — — Consumer and other2 22 6 477 436 Total non-accrual loans$154,641 $118,743 $67,100 $67,069 $114,150 Total non-performing loans:Commercial$73,594 $39,038 $36,041 $20,414 $22,050 Commercial real estate21,042 35,