Company: WTFCN
Filing Date: 2025-02-28
Form Type: 10-K
Source: 0001015328-25-000093
Chunk: 87

Company: WINTRUST FINANCIAL CORP
Filing Date: 2025-02-28
Form: 10-K
Item: Item 8
Chunk 87
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444 $3,148 $790 $809 $70 $31,160 $59,141 $— $99,562 Total loans Early buy-out loans guaranteed by U.S. government agencies$— $4,421 $3,417 $3,707 $4,076 $141,135 $— $— $156,756 

121

Pass14,491,635 11,626,015 5,237,726 3,541,635 1,640,976 4,275,588 5,817,284 23,376 46,654,235 Special mention130,595 107,337 57,228 141,312 16,501 54,844 154,949 2,236 665,002 Substandard accrual9,825 27,726 96,797 47,666 39,442 116,268 85,520 1,159 424,403 Substandard nonaccrual/doubtful30,302 17,149 25,121 21,415 4,406 33,019 22,823 406 154,641 Total loans$14,662,357 $11,782,648 $5,420,289 $3,755,735 $1,705,401 $4,620,854 $6,080,576 $27,177 $48,055,037 Gross write offsThree months ended December 31, 2024$13,839 $1,722 $1,810 $702 $403 $1,255 $— $— $19,731 Twelve months ended December 31, 202422,062 32,707 7,607 20,796 2,609 23,565 — — 109,346 Held-to-maturity debt securitiesThe Company conducts an assessment of its investment securities, including those classified as held-to-maturity, at the time of purchase and on at least an annual basis to ensure such investment securities remain within appropriate levels of risk and continue to perform satisfactorily in fulfilling its obligations. The Company considers, among other factors, the nature of the securities and credit ratings or financial condition of the issuer. If available, the Company obtains a credit