Company: WTFCN
Filing Date: 2025-02-28
Form Type: 10-K
Source: 0001015328-25-000093
Chunk: 304

Company: WINTRUST FINANCIAL CORP
Filing Date: 2025-02-28
Form: 10-K
Item: Item 7
Chunk 304
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December 31, 2023December 31, 2022December 31, 2021December 31, 2020(Dollars in thousands)Amount% of Loan Type toTotalLoansAmount% of Loan Type toTotalLoansAmount% of Loan Type toTotalLoansAmount% of Loan Type toTotalLoansAmount% of Loan Type toTotalLoansAllowance for credit losses allocation:Commercial$175,837 32 %$169,604 30 %$142,769 32 %$119,307 34 %$94,212 37 %Commercial real-estate222,856 27 223,853 27 184,352 25 144,583 26 243,603 26 Home equity8,943 1 7,116 1 7,573 1 10,699 1 11,437 1 Residential real-estate10,335 8 13,133 7 11,585 6 8,782 5 12,459 5 Premium finance receivables – property & casualty17,111 15 12,384 16 9,967 15 15,246 14 17,267 13 Premium finance receivables – life insurance709 17 685 19 704 21 613 20 510 18 Consumer and other812 0 490 0 498 0 423 0 422 0 Total allowance for credit losses$436,603 100 %$427,265 100 %$357,448 100 %$299,653 100 %$379,910 100 %Allowance category as a percent of total allowance for credit losses:Commercial41 %40 %40 %40 %25 %Commercial real-estate51 52 52 48 64 Home equity2 2 2 4 3 Residential real-estate2 3 3 3 3 Premium finance receivables—property & casualty4 3 3 5 5 Premium finance receivables—life insurance0 0 0 0 0 Consumer and other0  0  0  0  0  Total allowance for credit losses100 % 100 % 100