Company: FCNCB
Filing Date: 2025-11-07
Form Type: 10-Q
Source: 0000798941-25-000050
Chunk: 126

Company: FIRST CITIZENS BANCSHARES INC /DE/
Filing Date: 2025-11-07
Form: 10-Q
Item: Item 1
Chunk 126
---
07 11 Revolving mortgage60 5.42 — Consumer auto31 — — Consumer other60 10.54 — Total consumer52 3.29 11 Total loans and leases14 2.19 %6 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.

27

Amortized Cost of Loans Modified during the nine months ended September 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$8 $— $— $— $15 $— $23 0.38 %Owner occupied commercial mortgage11 5 — 29 22 — 67 0.39 Non-owner occupied commercial mortgage120 9 — 109 23 — 261 1.67 Commercial and industrial267 124 — 16 13 6 426 1.03 Investor dependent15 59 — — 10 — 84 3.04 Total commercial421 197 — 154 83 6 861 0.74 ConsumerResidential mortgage15 — 1 2 25 — 43 0.18 Revolving mortgage1 — — 1 — — 2 0.07 Total consumer16 — 1 3 25 — 45 0.16 Total loans and leases$437 $197 $1 $157 $108 $6 $906 0.63 %(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 $6 million of commercial and industrial loans modified with a term extension, payment delay, and interest rate reduction.Amortized Cost of Loans Modified during the nine months ended September 30, 2024dollars in millionsTerm Extension (1)Payment DelayInterest Rate ReductionTerm Extension (1) and Interest Rate ReductionTerm Extension (1) and Payment DelayOther Combinations (2)TotalPercent of Total