Company: FCNCB
Filing Date: 2025-05-09
Form Type: 10-Q
Source: 0000798941-25-000024
Chunk: 346

Company: FIRST CITIZENS BANCSHARES INC /DE/
Filing Date: 2025-05-09
Form: 10-Q
Item: Item 2
Chunk 346
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022 129 — 1,487 Consumer other304 529 124 8 965 Total consumer1,671 4,556 8,816 13,104 28,147 SVBGlobal fund banking26,357 2,067 148 — 28,572 Investor dependent - early stage133 775 — — 908 Investor dependent - growth stage203 1,847 — — 2,050 Innovation and cash flow dependent1,375 7,499 267 — 9,141 Total SVB28,068 12,188 415 — 40,671 Total loans and leases$46,311 $56,173 $23,410 $15,464 $141,358 

91

As noted above, approximately 64% of our total loans have floating contractual reference rates, indexed primarily to SOFR and the U.S. prime rate. The following table provides information regarding fixed and variable interest rate loans and leases maturing one year or after, as of March 31, 2025:  

Table 45

Fixed and Variable Interest Rate Loans 

dollars in millionsLoans Maturing One Year or After withFixed Interest RatesVariable Interest RatesCommercialCommercial construction$1,342 $2,577 Owner occupied commercial mortgage13,265 1,696 Non-owner occupied commercial mortgage6,300 6,120 Commercial and industrial10,123 13,164 Leases1,372 9 Total commercial32,402 23,566 ConsumerResidential mortgage8,708 13,390 Revolving mortgage29 2,537 Consumer auto1,151 — Consumer other280 381 Total consumer10,168 16,308 SVBGlobal fund banking2 2,213 Investor dependent - early stage19 756 Investor dependent - growth stage4 1,843 Innovation and cash flow dependent— 7,766 Total SVB25 12,578 Total loans and leases$42,595 $52,452 

Liquidity Risk

Our liquidity risk management and monitoring process is designed to ensure the availability of adequate cash and collateral resources and funding capacity to meet our obligations. Our overall liquidity management strategy is intended to ensure appropriate liquidity to meet expected and contingent funding needs under both normal and stressed environments. Consistent with this strategy,