Company: WTFCN
Filing Date: 2025-05-05
Form Type: 10-Q
Source: 0001015328-25-000130
Chunk: 33

Company: WINTRUST FINANCIAL CORP
Filing Date: 2025-05-05
Form: 10-Q
Item: Item 1
Chunk 33
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$— Three Months EndedMarch 31, 2024(Dollars in thousands)TotalPercentage of Total Class of LoanExtension of TermReduction of InterestRateDelay in Contractual PaymentsExtension of Term and Reduction of Interest RateCommercialCommercial, industrial and other$1,6290.0 %$1,502 $— $— $127 Commercial real estateNon-construction1,1760.0 293 — 883 — Home equity980.0 98 — — — Residential real estate2180.0 35 183 — — Premium finance receivablesProperty and casualty insurance loans10.0 1 — — — Total loans$3,1220.0 %$1,929 $183 $883 $127 

20

Weighted Average Magnitude of Modifications:Three Months Ended March 31, 2024(Dollars in thousands)TotalDuration of Extension of Term (months)Reduction of InterestRate (bps)Duration of Delay in Contractual Payments (months)CommercialCommercial, industrial and other$1,629 10219 —Commercial real estateNon-construction1,176 47— 16Home equity98 12— —Residential real estate218 37201 —Premium finance receivablesProperty and casualty insurance loans1 0— —Total loans$3,122 16215 16The Company had commitments of $15.6 million and $4.2 million as of March 31, 2025 and March 31, 2024, respectively, to lend additional funds to borrowers experiencing financial difficulty and for whom the Company has modified the terms of loans in the form of principal forgiveness, an interest rate reduction, an other-than insignificant payment delay or a term extension during the periods presented.The following table presents a summary of all modified loans for borrowers experiencing financial difficulties and such loans that were in payment default under the restructured terms during the respective periods below: (Dollars in thousands)For the Twelve Months Ended March 31, 2025Three Months EndedMarch 31, 2025For the Twelve Months Ended March 31, 2024Three Months Ended March 31, 2024TotalPayments in Default  (1)TotalPayments in Default  (1)CommercialCommercial, industrial and other$29,487 $117 $16,011