Company: FCNCB
Filing Date: 2025-08-08
Form Type: 10-Q
Source: 0000798941-25-000040
Chunk: 287

Company: FIRST CITIZENS BANCSHARES INC /DE/
Filing Date: 2025-08-08
Form: 10-Q
Item: Item 8
Chunk 287
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 1.58 6 Total loans and leases18 1.04 %11 Financial Effects of Loan Modifications made during the three months ended June 30, 2024dollars in millionsWeighted Average Term Extension (in Months)Weighted Average Interest Rate ReductionWeighted Average Payment Delay    (in Months)CommercialCommercial construction60 — %— Owner occupied commercial mortgage86 1.81 — Non-owner occupied commercial mortgage20 — 6 Commercial and industrial16 0.54 11 Leases— — 6 Investor dependent9 2.75 8 Total commercial22 0.69 10 ConsumerResidential mortgage120 — — Revolving mortgage60 3.00 — Consumer auto32 — — Consumer other— 7.53 — Total consumer90 4.77 — Total loans and leases24 0.69 %10 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 during the period for such loan classes rounded to less than $1 million.

25

Amortized Cost of Loans Modified during the six months ended June 30, 2025 dollars in millionsTerm Extension (1)Payment DelayInterest Rate ReductionTerm Extension(1) and Interest Rate ReductionTerm Extension(1) and Payment DelayOther Combinations(2)TotalPercent of Total Loan ClassCommercialCommercial construction$24 $— $— $— $12 $— $36 0.62 %Owner occupied commercial mortgage11 4 — 29 20 — 64 0.37 Non-owner occupied commercial mortgage61 — — 64 23 — 148 0.91 Commercial and industrial82 77 — 3 22 5 189 0.47 Investor dependent10 44 — — 6 — 60 2.15 Total commercial188 125 — 96 83 5 497 0.44 ConsumerResidential mortgage9 — 3 2 25 — 39 0.17 Revolving mortgage1 — — — — — 1 0.05 Total consumer10 — 3 2 25 — 40 0