Company: FCNCB
Filing Date: 2025-11-07
Form Type: 10-Q
Source: 0000798941-25-000050
Chunk: 282

Company: FIRST CITIZENS BANCSHARES INC /DE/
Filing Date: 2025-11-07
Form: 10-Q
Item: Item 8
Chunk 282
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 method. Discount accretion income was $71 million and $230 million for the three and nine months ended September 30, 2025, including $6 million and $17 million for unfunded commitments, respectively. Discount accretion income was $107 million and $415 million for the three and nine months ended September 30, 2024, including $16 million and $71 million for unfunded commitments, respectively.The following table presents selected components of the amortized cost of loans, including the unamortized discount on acquired loans.Components of Amortized Cost dollars in millionsSeptember 30, 2025December 31, 2024Deferred fees, including unamortized costs and unearned fees on non-PCD loans$(89)$(91)Net unamortized discount on acquired loansNon-PCD$1,339$1,504PCD4494 Total net unamortized discount$1,383$1,598

18

The aging and nonaccrual status of the outstanding loans and leases by class at September 30, 2025 and December 31, 2024 are provided in the tables below. Loans and leases less than 30 days past due are considered current, as various grace periods allow borrowers to make payments within a stated period after the due date and remain in compliance with the respective agreement.Loans and Leases - Delinquency and Nonaccrual Status (1) (2)dollars in millionsSeptember 30, 2025Accruing Loans30-59 DaysPast Due60-89 DaysPast Due90 Days orGreaterTotalPast DueCurrentTotal AccruingNonaccrual LoansTotalCommercialCommercial construction$8 $20 $19 $47 $5,870 $5,917 $9 $5,926 Owner occupied commercial mortgage31 21 — 52 17,022 17,074 158 17,232 Non-owner occupied commercial mortgage36 36 142 214 15,066 15,280 365 15,645 Commercial and industrial253 53 40 346 40,250 40,596 576 41,172 Leases30 7 — 37 2,004 2,041 25 2,066 Global fund banking— — — — 31,615 31,615 — 31,615 Investor dependent2