Company: FCNCB
Filing Date: 2025-08-08
Form Type: 10-Q
Source: 0000798941-25-000040
Chunk: 112

Company: FIRST CITIZENS BANCSHARES INC /DE/
Filing Date: 2025-08-08
Form: 10-Q
Item: Item 1
Chunk 112
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 unsecured consumer lines of credit.  The credit quality indicator for consumer loans is based on delinquency status of the borrower as of the date presented. As the borrower becomes more delinquent, the likelihood of loss increases. 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.The following tables summarize the commercial 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 purchased credit deteriorated (“PCD”) loans. 

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Commercial Loans - Risk Classifications by Class June 30, 2025Risk Classification:Term Loans by Origination YearRevolving Converted to Term Loansdollars in millions202520242023202220212020 & PriorRevolvingTotalCommercial constructionPass$1,169 $1,610 $1,540 $666 $97 $85 $344 $— $5,511 Special Mention— — 56 — — 7 — — 63 Substandard21 12 2 86 14 2 — — 137 Doubtful3 — — — — — — — 3 Ungraded— — — — — — — — — Total commercial construction1,193 1,622 1,598 752 111 94 344 — 5,714 Owner occupied commercial mortgagePass1,264 2,645 2,420 2,568 2,406 4,503 208 29 16,043 Special Mention22 27 54 108 42 56 2 — 311 Substandard24 47 105 189 72 239 17 1 694 Doubtful— — 4 — 1 — — — 5 Ungraded— — — — — — — — — Total owner occupied commercial mortgage1,310 2,719 2,583 2,865 2,521 4,798 227 30 17,053 Non-owner occupied commercial mortgagePass1,379