Company: WFC-PC
Filing Date: 2025-08-05
Form Type: 10-Q
Source: 0000072971-25-000201
Chunk: 145

Company: WELLS FARGO & COMPANY/MN
Filing Date: 2025-08-05
Form: 10-Q
Item: Item 5
Chunk 145
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 be processed through the state’s courts while non-judicial states are processed without court intervention. Foreclosure timelines vary according to state law.LOANS 90 DAYS OR MORE PAST DUE AND STILL ACCRUING.  Certain loans 90 days or more past due are still accruing, because they are (1) well-secured and in the process of collection or (2) residential mortgage or consumer loans exempt under regulatory rules from being classified as nonaccrual until later delinquency, usually 120 days past due.Table 5.14 shows loans 90 days or more past due and still accruing by class for loans not government insured/guaranteed.Table 5.14:  Loans 90 Days or More Past Due and Still Accruing(in millions)Jun 30,2025Dec 31,2024Total:$4,199 4,802 Less: government insured/guaranteed loans (1)2,443 2,801 Total, not government insured/guaranteed$1,756 2,001 By segment and class, not government insured/guaranteed:Commercial and industrial$194 537 Commercial real estate707 468 Total commercial901 1,005 Residential mortgage49 39 Credit card731 852 Auto48 71 Other consumer27 34 Total consumer855 996 Total, not government insured/guaranteed$1,756 2,001 (1)Represents residential mortgage loans whose repayments are insured or guaranteed by U.S. government agencies, such as the FHA or the VA.

82Wells Fargo & Company

LOAN MODIFICATIONS TO BORROWERS EXPERIENCING FINANCIAL DIFFICULTY.  We may agree to modify the contractual terms of a loan to a borrower experiencing financial difficulty.The following disclosures provide information on loan modifications in the form of principal forgiveness, interest rate reductions, other-than-insignificant (e.g., greater than three months) payment delays, term extensions or a combination of these modifications, as well as the financial effects of these modifications, and loan performance in the twelve months following the modification. Loans that both modify and are paid off or charged-off during the period are not included in the disclosures below. These disclosures do not include loans discharged by a bankruptcy court as the only concession, which were insignificant in the second quarter and first half of both 2025 and 2024.For additional information on our loan modifications to borrowers experiencing financial difficulty