Company: FCNCB
Filing Date: 2025-08-08
Form Type: 10-Q
Source: 0000798941-25-000040
Chunk: 392

Company: FIRST CITIZENS BANCSHARES INC /DE/
Filing Date: 2025-08-08
Form: 10-Q
Item: Item 8
Chunk 392
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,518 1.35 ConsumerResidential mortgage89 0.39 87 0.38 85 0.37 Revolving mortgage19 0.70 23 0.87 21 0.83 Consumer auto9 0.63 9 0.60 5 0.35 Consumer other43 4.32 44 4.59 47 4.75 Total consumer160 0.56 163 0.58 158 0.56 Total ALLL$1,672 1.18 %$1,680 1.19 %$1,676 1.20 %

The ALLL may vary significantly from period to period due to changes in economic conditions, economic forecasts and the composition and credit quality of the loan and lease portfolio, and the related impacts on the ALLL models.

Credit Metrics

Nonperforming Assets

Nonperforming assets include nonaccrual loans and leases, other real estate owned (“OREO”) and repossessed assets. Accounting policies related to nonperforming assets are discussed in Note 1—Significant Accounting Policies and Basis of Presentation in the 2024 Form 10-K.  

Table 38

Non-Performing Assets

dollars in millionsJune 30, 2025March 31, 2025December 31, 2024Nonaccrual loans:Commercial loans$1,107 $1,010 $1,003 Consumer loans212 196 181 Total nonaccrual loans1,319 1,206 1,184 Other real estate owned and repossessed assets103 105 64 Total nonperforming assets$1,422 $1,311 $1,248 ALLL to total loans and leases1.18 %1.19 %1.20 %Ratio of total nonperforming assets to total loans, leases, other real estate owned and repossessed assets1.01 0.93 0.89 Ratio of nonaccrual loans and leases to total loans and leases0.93 0.85 0.84 Ratio of ALLL to nonaccrual loans and leases126.75 139.25 141.58 

Nonaccrual loans and leases at June 30, 2025 were $1.32 billion, representing increases of $135 million