Company: FCNCB
Filing Date: 2025-02-21
Form Type: 10-K
Source: 0000798941-25-000010
Chunk: 173

Company: FIRST CITIZENS BANCSHARES INC /DE/
Filing Date: 2025-02-21
Form: 10-K
Item: Item 8
Chunk 173
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 Federal Housing Administration and U.S. Department of Veterans Affairs and thus remain on accrual status regardless of delinquency status.

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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 December 31, 2024Risk Classification:Term Loans by Origination YearRevolving Converted to Term Loansdollars in millions202420232022202120202019 & PriorRevolvingTotalCommercial constructionPass$1,095 $1,854 $1,276 $287 $152 $52 $148 $— $4,864 Special Mention— 80 35 — 7 24 — — 146 Substandard— 8 47 20 7 17 — — 99 Doubtful— — — — — — — — — Ungraded— — — — — — — — — Total commercial construction1,095 1,942 1,358 307 166 93 148 — 5,109 Owner occupied commercial mortgagePass2,721 2,445 2,747 2,581 2,199 2,988 223 29 15,933 Special Mention22 46 70 58 32 61 9 — 298 Substandard30 34 136 82 73 245 10 1 611 Doubtful— — — — — — — — — Ungraded— — — — — — — — — Total owner occupied commercial mortgage2,773 2,525 2,953 2,721 2,304 3,294 242 30 16,842 Non-owner occupied commercial mortgagePass2,879 3,082 2,744 2,041 1,598 2,134 119 3 14,600 Special Mention— 66 293 43 4 86 — — 492 Substandard12 15 171 39 116 653 — —