Company: FCNCB
Filing Date: 2025-08-08
Form Type: 10-Q
Source: 0000798941-25-000040
Chunk: 391

Company: FIRST CITIZENS BANCSHARES INC /DE/
Filing Date: 2025-08-08
Form: 10-Q
Item: Item 8
Chunk 391
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ALLL Ratios

dollars in millionsJune 30, 2025March 31, 2025December 31, 2024ALLL$1,672 $1,680 $1,676 Total loans and leases$141,269 $141,358 $140,221 ALLL to total loans and leases1.18 %1.19 %1.20 %Commercial loans and leases:ALLL - commercial$1,512 $1,517 $1,518 Commercial loans and leases$113,007 $113,211 $111,993 Commercial ALLL to commercial loans and leases1.34 %1.34 %1.35 %Consumer loans:ALLL - consumer$160 $163 $158 Consumer loans$28,262 $28,147 $28,228 Consumer ALLL to consumer loans0.56 %0.58 %0.56 %

The ALLL as a percentage of total loans and leases at June 30, 2025 was 1.18%, compared to 1.19% at March 31, 2025 and 1.20% at December 31, 2024. The trends in the ALLL are discussed above. 

91

Table 37

ALLL by Loan Class

dollars in millionsJune 30, 2025March 31, 2025December 31, 2024ALLLALLL as a Percentage of LoansALLLALLL as a Percentage of LoansALLLALLL as a Percentage of LoansCommercialCommercial construction$67 1.17 %$61 1.10 %$53 1.03 %Owner occupied commercial mortgage53 0.31 54 0.32 51 0.30 Non-owner occupied commercial mortgage318 1.98 331 2.05 340 2.10 Commercial and industrial781 1.92 784 1.91 768 1.88 Leases36 1.75 36 1.79 36 1.80 Global fund banking80 0.28 75 0.26 75 0.27 Investor dependent177 6.37 176 5.97 195 6.10 Total commercial1,512 1.34 1,517 1.34 1