Company: FCNCB
Filing Date: 2025-08-08
Form Type: 10-Q
Source: 0000798941-25-000040
Chunk: 288

Company: FIRST CITIZENS BANCSHARES INC /DE/
Filing Date: 2025-08-08
Form: 10-Q
Item: Item 8
Chunk 288
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.14 Total loans and leases$198 $125 $3 $98 $108 $5 $537 0.38 %(1) Term extensions include modifications in which the balloon principal payment was deferred to a later date or the loan amortization period was extended.(2) Consists of $5 million of commercial and industrial loans modified with a term extension, payment delay, and interest rate reduction.Amortized Cost of Loans Modified during the six months ended June 30, 2024dollars in millionsTerm Extension (1)Payment DelayInterest Rate ReductionTerm Extension(1) and Interest Rate ReductionTerm Extension(1) and Payment DelayOther Combinations(2)TotalPercent of Total Loan ClassCommercialCommercial construction$3 $— $— $— $— $— $3 0.07 %Owner occupied commercial mortgage23 — 4 1 9 — 37 0.23 Non-owner occupied commercial mortgage78 — — — 26 — 104 0.67 Commercial and industrial62 93 31 11 10 — 207 0.52 Investor dependent2 74 — — 26 1 103 2.71 Total commercial168 167 35 12 71 1 454 0.41 ConsumerResidential mortgage7 — — 2 — — 9 0.04 Revolving mortgage3 — — 1 — — 4 0.18 Total consumer10 — — 3 — — 13 0.05 Total loans and leases$178 $167 $35 $15 $71 $1 $467 0.34 %(1) Term extensions include modifications in which the balloon principal payment was deferred to a later date or the loan amortization period was extended.(2) Consists of $1 million of investor dependent loans modified with a term extension, interest rate reduction, and payment delay.

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Financial Effects of Loan Modifications made during the six months ended June 30, 2025Weighted Average Term Extension (in Months)Weighted Average Interest Rate ReductionWeighted Average Payment Delay   (in Months)CommercialCommercial construction7 — %6 Owner occupied commercial mortgage11 1.93 5 Non-owner occupied commercial mortgage24 0.60 7 Commercial