Company: WTFCN
Filing Date: 2025-05-05
Form Type: 10-Q
Source: 0001015328-25-000130
Chunk: 21

Company: WINTRUST FINANCIAL CORP
Filing Date: 2025-05-05
Form: 10-Q
Item: Item 1
Chunk 21
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 indemnifications and insurance limits for certain loans.  

14

As of March 31, 202490+ days and still accruing60-89 days past due30-59 days past due(In thousands)NonaccrualCurrentTotal LoansLoan Balances (includes PCD):CommercialCommercial, industrial and other$31,740 $27 $30,248 $77,715 $13,363,751 $13,503,481 Commercial real estateConstruction and development1,627 — 818 7,066 2,140,803 2,150,314 Non-construction37,635 — 15,895 25,932 9,403,661 9,483,123 Home equity838 — 212 1,617 337,682 340,349 Residential real estate, excluding early buy-out loans17,901 — — 24,523 2,704,492 2,746,916 Premium finance receivablesProperty and casualty insurance loans32,648 25,877 15,274 59,729 6,806,491 6,940,019 Life insurance loans— — 32,482 100,137 7,739,414 7,872,033 Consumer and other19 47 16 210 50,829 51,121 Total loans, net of unearned income, excluding early buy-out loans$122,408 $25,951 $94,945 $296,929 $42,547,123 $43,087,356 Early buy-out loans guaranteed by U.S. government agencies (1)— 50,217 — 1,047 92,086 143,350 Total loans, net of unearned income$122,408 $76,168 $94,945 $297,976 $42,639,209 $43,230,706 (1)Early buy-out loans are insured or guaranteed by the Federal Housing Administration (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. Descriptions of the Company’s credit quality indicators by financial asset are included in Note