Company: WFC-PC
Filing Date: 2025-10-31
Form Type: 10-Q
Source: 0000072971-25-000253
Chunk: 131

Company: WELLS FARGO & COMPANY/MN
Filing Date: 2025-10-31
Form: 10-Q
Item: Item 5
Chunk 131
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Note 5:  Loans and Related Allowance for Credit LossesTable 5.1 presents total loans outstanding by portfolio segment and class of financing receivable. Loans are reported at their outstanding principal balances net of any unearned income, cumulative charge-offs, unamortized deferred fees and costs on originated loans, and unamortized premiums or discounts on purchased loans. These amounts were less than 1% of our total loans outstanding at both September 30, 2025, and December 31, 2024.Outstanding balances exclude accrued interest receivable on loans, except for certain revolving loans, such as credit card loans. See Note 7 (Intangible Assets and Other Assets) for additional information on accrued interest receivable. Amounts considered to be uncollectible are reversed through interest income. During the first nine months of 2025, we reversed accrued interest receivable of $42 million for our commercial portfolio segment and $284 million for our consumer portfolio segment, compared with $33 million and $300 million, respectively, for the same period a year ago.Table 5.1:  Loans Outstanding(in millions)Sep 30,2025Dec 31,2024Commercial and industrial$417,904 381,241 Commercial real estate130,250 136,505 Lease financing (1)15,311 16,413 Total commercial563,465 534,159 Residential mortgage243,910 250,269 Credit card56,996 56,542 Auto46,041 42,367 Other consumer (2)32,690 29,408 Total consumer379,637 378,586 Total loans$943,102 912,745 (1)In May 2025, the Company announced it entered into an agreement to sell the assets of its rail car leasing business. The related lease financing balances were transferred to loans held for sale.(2)Includes $25.1 billion and $21.4 billion at September 30, 2025, and December 31, 2024, respectively, of securities-based loans originated by the Wealth and Investment Management (WIM) operating segment.Our non-U.S. loans are reported by respective class of financing receivable in the table above. Substantially all of our non-U.S. loan portfolio is commercial loans. Table 5.2 presents total non-U.S. commercial loans outstanding by class of financing receivable.Table 5.2:  Non