Company: FCNCB
Filing Date: 2025-05-09
Form Type: 10-Q
Source: 0000798941-25-000024
Chunk: 22

Company: FIRST CITIZENS BANCSHARES INC /DE/
Filing Date: 2025-05-09
Form: 10-Q
Item: Item 1
Chunk 22
---
. An exemption is applied to government guaranteed loans as the principal repayments are insured by the Federal Housing Administration and U.S. Department of Veterans Affairs and thus remain on accrual status regardless of delinquency status.

20

The following tables summarize the commercial and SVB loans disaggregated by year of origination and by risk rating. The consumer loan delinquency status by year of origination is also presented below. The tables reflect the amortized cost of the loans and include PCD loans. Commercial Loans - Risk Classifications by Class March 31, 2025Risk Classification:Term Loans by Origination YearRevolving Converted to Term Loansdollars in millions202520242023202220212020 & PriorRevolvingTotalCommercial constructionPass$636 $1,384 $1,662 $1,079 $192 $132 $162 $1 $5,248 Special Mention28 25 83 21 — 7 — — 164 Substandard16 21 9 54 9 8 — — 117 Doubtful— — — — — — — — — Ungraded— — — — — — — — — Total commercial construction680 1,430 1,754 1,154 201 147 162 1 5,529 Owner occupied commercial mortgagePass591 2,683 2,501 2,655 2,475 4,782 203 29 15,919 Special Mention2 28 23 89 54 60 7 — 263 Substandard13 58 104 219 78 282 14 1 769 Doubtful— — — — — — — — — Ungraded— — — — — — — — — Total owner occupied commercial mortgage606 2,769 2,628 2,963 2,607 5,124 224 30 16,951 Non-owner occupied commercial mortgagePass699 3,274 3,490 2,501 1,495 3,030 116 3 14,608 Special Mention35 86 113 159 4 26 — — 423 Substandard32 311