Company: FCNCB
Filing Date: 2025-08-08
Form Type: 10-Q
Source: 0000798941-25-000040
Chunk: 64

Company: FIRST CITIZENS BANCSHARES INC /DE/
Filing Date: 2025-08-08
Form: 10-Q
Item: Item 2
Chunk 64
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 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 1,518 1.35 ConsumerResidential mortgage89 0.39 87 0.38 85 0.37 Revolving mortgage19 0.70 23 0.87 21 0.83 Consumer auto9 0.63 9 0.60 5 0.35 Consumer other43 4.32 44 4.59 47 4.75 Total consumer160 0.56 163 0.58 158 0.56 Total ALLL$1,672 1.18 %$1,680 1.19 %$1,676 1.20 %

The ALLL may vary significantly from period to period due to changes in economic conditions, economic forecasts and the composition and credit quality of the loan and lease portfolio, and the related impacts on the ALLL models.

Credit Metrics

Nonperforming Assets

Nonperforming assets include nonaccrual loans and leases, other real estate owned (“OREO”) and repossessed assets. Accounting policies related to nonperforming assets are discussed in Note 1—Significant Accounting Policies and Basis of Presentation in the 2024 Form 10-K.  

Table