Company: WTFCN
Filing Date: 2025-02-28
Form Type: 10-K
Source: 0001015328-25-000093
Chunk: 306

Company: WINTRUST FINANCIAL CORP
Filing Date: 2025-02-28
Form: 10-K
Item: Item 7
Chunk 306
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 35 — — Consumer and other587 595 1,081 487 528 Total charge-offs$109,346 $53,812 $31,779 $35,019 $53,205 Recoveries:Commercial2,853 2,651 4,748 2,559 5,092 Commercial real estate323 460 701 1,304 1,835 Home equity359 139 319 1,203 528 Residential real estate15 21 77 330 184 Premium finance receivables – property & casualty11,259 4,930 5,522 7,989 5,108 Premium finance receivables – life insurance54 16 — — — Consumer and other87 93 136 184 149 Total recoveries$14,950 $8,310 $11,503 $13,569 $12,896 Net charge-offs$(94,396)$(45,502)$(20,276)$(21,450)$(40,309)Allowance for credit losses at year end$436,603 $427,265 $357,448 $299,653 $379,910 Net charge-offs (recoveries) by category as a percentage of its own respective category’s average:Commercial0.33 %0.10 %0.08 %0.16 %0.12 %Commercial real estate0.18 0.14 0.01 0.02 0.17 Home equity(0.07)0.03 0.03 (0.23)0.33 Residential real estate0.01 0.01 0.02 0.05 0.06 Premium finance receivables – property & casualty0.37 0.27 0.16 0.02 0.27 Premium finance receivables – life insurance(0.00)0.00 0.00 — — Consumer and other0.57 0.60 1.22 0.66 0.52 Total loans, net of unearned income0.21 %0.11 %0.06 %0.06 %0.13 %Year-end total loans$48,055,037 $42,131,