Company: FCNCB
Filing Date: 2025-11-07
Form Type: 10-Q
Source: 0000798941-25-000050
Chunk: 127

Company: FIRST CITIZENS BANCSHARES INC /DE/
Filing Date: 2025-11-07
Form: 10-Q
Item: Item 1
Chunk 127
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 Loan ClassCommercialCommercial construction$3 $— $— $— $— $— $3 0.06 %Owner occupied commercial mortgage36 1 4 9 9 — 59 0.36 Non-owner occupied commercial mortgage108 6 — — 26 — 140 0.88 Commercial and industrial191 91 31 12 1 — 326 0.81 Investor dependent7 78 — — 33 1 119 3.32 Total commercial345 176 35 21 69 1 647 0.59 ConsumerResidential mortgage7 — — 1 — — 8 0.04 Revolving mortgage4 — — 1 — — 5 0.20 Total consumer11 — — 2 — — 13 0.05 Total loans and leases$356 $176 $35 $23 $69 $1 $660 0.48 %(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 nine months ended September 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 mortgage17 0.56 14 Commercial and industrial14 1.31 12 Leases60 — — Investor dependent9 — 7 Total commercial15 0.91 10 ConsumerResidential mortgage14 1.21 6 Revolving mortgage48 4.04 5 Consumer auto19 — — Consumer other60 9.93 — Total consumer16 2.39 6 Total loans and leases15 0.95 %10 Financial Effects of Loan Modifications made during the nine months ended September 30, 2024 Weighted Average Term Extension (in Months)Weighted Average Interest Rate ReductionWeighted Average Payment Delay    (in Months)Commercial