Company: FCNCB
Filing Date: 2025-11-07
Form Type: 10-Q
Source: 0000798941-25-000050
Chunk: 297

Company: FIRST CITIZENS BANCSHARES INC /DE/
Filing Date: 2025-11-07
Form: 10-Q
Item: Item 8
Chunk 297
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— 5 0.20 Total consumer11 — — 2 — — 13 0.05 Total loans and leases$356 $176 $35 $23 $69 $1 $660 0.48 %(1) Term extensions include modifications in which the balloon principal payment was deferred to a later date or the loan amortization period was extended.(2) Consists of $1 million of investor dependent loans modified with a term extension, interest rate reduction, and payment delay.

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Financial Effects of Loan Modifications made during the nine months ended September 30, 2025Weighted Average Term Extension (in Months)Weighted Average Interest Rate ReductionWeighted Average Payment Delay   (in Months)CommercialCommercial construction7 — %6 Owner occupied commercial mortgage11 1.93 5 Non-owner occupied commercial mortgage17 0.56 14 Commercial and industrial14 1.31 12 Leases60 — — Investor dependent9 — 7 Total commercial15 0.91 10 ConsumerResidential mortgage14 1.21 6 Revolving mortgage48 4.04 5 Consumer auto19 — — Consumer other60 9.93 — Total consumer16 2.39 6 Total loans and leases15 0.95 %10 Financial Effects of Loan Modifications made during the nine months ended September 30, 2024 Weighted Average Term Extension (in Months)Weighted Average Interest Rate ReductionWeighted Average Payment Delay    (in Months)CommercialCommercial construction15 0.60 %— Owner occupied commercial mortgage28 1.67 18 Non-owner occupied commercial mortgage20 — 40 Commercial and industrial15 0.71 12 Leases11 — 6 Investor dependent11 2.75 8 Total commercial18 0.96 14 ConsumerResidential mortgage70 2.09 11 Revolving mortgage60 4.73 — Consumer auto29 0.26 — Consumer other57 9.65 — Total consumer66 3.41 11 Total loans and leases19 1.07 %14 Note: The financial effects of loan modifications for certain loan classes reported in the tables above were not reported in the preceding tables as the total amortized cost of loans modified