Company: WTFCN
Filing Date: 2025-08-06
Form Type: 10-Q
Source: 0001015328-25-000188
Chunk: 185

Company: WINTRUST FINANCIAL CORP
Filing Date: 2025-08-06
Form: 10-Q
Item: Item 2
Chunk 185
---
746 950 2,675 1,429 Commercial real estate10 90 22 121 Home equity30 35 246 64 Residential real estate2 8 138 10 Premium finance receivables - property & casualty3,335 3,658 6,822 5,177 Premium finance receivables - life insurance— 5 — 13 Consumer and other32 24 61 47 Total recoveries5,155 4,770 9,964 6,861 Net charge-offs(13,340)(29,986)(25,980)(51,736)Allowance for credit losses at period end$457,063 $437,069 $457,063 $437,069 Annualized net charge-offs (recoveries) by category as a percentage of its own respective category’s average:Commercial0.11 %0.25 %0.17 %0.29 %Commercial real estate0.17 0.53 0.10 0.36 Home equity0.07 (0.04)(0.06)0.01 Residential real estate(0.00)0.00 (0.01)0.00 Premium finance receivables - property & casualty0.16 0.33 0.18 0.33 Premium finance receivables - life insurance— (0.00)0.00 (0.00)Consumer and other0.44 0.56 0.44 0.49 Total loans, net of unearned income0.11 %0.28 %0.11 %0.24 %Loans at period-end$51,041,679 $44,675,531 Allowance for loan losses as a percentage of loans at period end0.77 %0.81 %Allowance for loan and unfunded loan-related commitment losses as a percentage of loans at period end0.90 0.98 

See Note (7) “Allowance for Credit Losses” of the Consolidated Financial Statements presented under Item 1 of this report for further discussion of activity within the allowance for credit losses during the period and the relationship with respective loan balances for each loan category and the total loan portfolio.

71

Other Real Estate Owned

In certain circumstances, the Company is required to take action against the