Company: WTFCN
Filing Date: 2025-02-28
Form Type: 10-K
Source: 0001015328-25-000093
Chunk: 81

Company: WINTRUST FINANCIAL CORP
Filing Date: 2025-02-28
Form: 10-K
Item: Item 8
Chunk 81
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 daysand stillaccruing60-89days pastdue30-59days pastdueCurrentTotal LoansLoan Balances (includes PCD):Commercial$38,940 $98 $19,488 $85,743 $12,687,784 $12,832,053 Commercial real estateConstruction and development2,205 — 251 1,343 2,080,242 2,084,041 Non-construction33,254 — 8,264 19,291 9,199,314 9,260,123 Home equity1,341 — 62 2,263 340,310 343,976 Residential real estate loans, excluding early buy-out loans15,391 — 2,325 22,942 2,578,425 2,619,083 Premium finance receivablesProperty & casualty insurance loans27,590 20,135 23,236 50,437 6,782,131 6,903,529 Life insurance loans— — 16,206 45,464 7,816,273 7,877,943 Consumer and other22 54 25 165 60,234 60,500 Total loans, net of unearned income, excluding early buy-out loans$118,743 $20,287 $69,857 $227,648 $41,544,713 $41,981,248 Early buy-out loans guaranteed by U.S. government agencies (1)— 57,688 250 328 92,317 150,583 Total loans, net of unearned income$118,743 $77,975 $70,107 $227,976 $41,637,030 $42,131,831 (1)Early buy-out loans are insured or guaranteed by the FHA or the U.S. Department of Veterans Affairs, subject to indemnifications and insurance limits for certain loans. 

Credit Quality IndicatorsCredit quality indicators, specifically the Company’s internal risk rating systems, reflect how the Company monitors credit losses and represents factors used by the Company when measuring the allowance for credit losses. The following discusses the Company’s credit quality indicators by financial asset.

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Loan portfoliosThe Company’s ability to manage credit risk depends in large part on its ability to properly identify and manage problem loans. To do so, the Company operates a credit risk rating system