Company: WTFCN
Filing Date: 2025-11-06
Form Type: 10-Q
Source: 0001015328-25-000207
Chunk: 36

Company: WINTRUST FINANCIAL CORP
Filing Date: 2025-11-06
Form: 10-Q
Item: Item 1
Chunk 36
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 15,128,580 82,674 46,804,823 Loans held at fair value— — — 138,038 — — 138,038 Nine months ended September 30, 2025Commercial Real EstateHome  EquityResidential Real EstatePremium Finance ReceivablesConsumer and OtherTotal Loans(In thousands)CommercialAllowance for credit losses at beginning of period$175,837 $222,856 $8,943 $10,335 $17,820 $812 $436,603 Other adjustments— — — — 96 — 96 Charge-offs(37,467)(6,309)(138)(26)(20,350)(500)(64,790)Recoveries4,124 263 350 139 9,281 98 14,255 Provision for credit losses - Other46,982 13,667 74 1,565 5,102 637 68,027 Allowance for credit losses at period end$189,476 $230,477 $9,229 $12,013 $11,949 $1,047 $454,191 Nine months ended September 30, 2024Commercial Real EstateHome  EquityResidential Real EstatePremium Finance ReceivablesConsumer and OtherTotal Loans(In thousands)CommercialAllowance for credit losses at beginning of period$169,604 $223,853 $7,116 $13,133 $13,069 $490 $427,265 Other adjustments— — — — (20)— (20)Charge-offs(43,774)(21,090)(74)(61)(24,218)(398)(89,615)Recoveries2,078 151 165 15 8,667 68 11,144 Provision for credit losses - Other38,885 16,587 270 (4,041)16,245 443 68,389 Provision for credit losses - Day 1 on non-PCD assets acquiredduring the period2,967 10,540 1,344 638 — 58 15,547 Initial allowance for credit losses recognized on PCD assets acquired during the period1,838 1,103 2 61 — — 3,004 Allowance for credit losses at period end