Company: FCNCB
Filing Date: 2025-02-21
Form Type: 10-K
Source: 0000798941-25-000010
Chunk: 47

Company: FIRST CITIZENS BANCSHARES INC /DE/
Filing Date: 2025-02-21
Form: 10-K
Item: Item 7
Chunk 47
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Revolving mortgage21 0.83 16 0.75 13 0.67 Consumer auto5 0.35 5 0.34 5 0.37 Consumer other47 4.75 51 4.31 41 6.32 Total consumer158 0.56 166 0.60 133 0.77 SVBGlobal fund banking75 0.27 69 0.27 — — Investor dependent - early stage87 8.71 96 6.84 — — Investor dependent - growth stage108 4.91 127 4.40 — — Innovation C&I and cash flow dependent185 2.03 163 1.69 — — Total SVB455 1.13 455 1.15 — — Total ALLL$1,676 1.20 %$1,747 1.31 %$922 1.30 %

78

Credit Metrics

Nonperforming Assets

Nonperforming assets include nonaccrual loans and leases, other real estate owned (“OREO”) and repossessed assets. Accounting for nonperforming assets is discussed in Note 1—Significant Accounting Policies and Basis of Presentation.  

The following table presents total nonperforming assets:

Table 32

Non-Performing Assets

dollars in millionsDecember 31, 2024December 31, 2023December 31, 2022Nonaccrual loans:Commercial loans$812 $698 $529 Consumer loans181 154 98 SVB loans191 117 — Total nonaccrual loans1,184 969 627 Other real estate owned and repossessed assets64 62 47 Total nonperforming assets$1,248 $1,031 $674 ALLL to total loans and leases1.20 %1.31 %1.30 %Ratio of total nonperforming assets to total loans, leases, other real estate owned and repossessed assets0.89 0.77 0.95 Ratio of nonaccrual loans and leases to total loans and leases0.84 0.73 0.89 Ratio of ALLL to nonaccrual loans and leases141.58 180.15 146.