Company: FCNCB
Filing Date: 2025-11-07
Form Type: 10-Q
Source: 0000798941-25-000050
Chunk: 114

Company: FIRST CITIZENS BANCSHARES INC /DE/
Filing Date: 2025-11-07
Form: 10-Q
Item: Item 1
Chunk 114
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40 16 226 40,122 40,348 389 40,737 Leases33 11 2 46 1,937 1,983 31 2,014 Global fund banking— — — — 27,904 27,904 — 27,904 Investor dependent10 1 — 11 3,095 3,106 87 3,193 Total commercial307 89 99 495 110,495 110,990 1,003 111,993 ConsumerResidential mortgage172 27 7 206 22,798 23,004 148 23,152 Revolving mortgage20 4 — 24 2,519 2,543 24 2,567 Consumer auto12 3 — 15 1,500 1,515 8 1,523 Consumer other5 3 3 11 974 985 1 986 Total consumer209 37 10 256 27,791 28,047 181 28,228 Total loans and leases$516 $126 $109 $751 $138,286 $139,037 $1,184 $140,221 (1)    Accrued interest that was reversed when the loan went to nonaccrual status was $14 million for the nine months ended September 30, 2025 and $14 million for the year ended December 31, 2024.(2)    Nonaccrual loans for which there was no related ALLL totaled $411 million at September 30, 2025 and $303 million at December 31, 2024.Other real estate owned (“OREO”) and repossessed assets were $98 million as of September 30, 2025 and $64 million as of December 31, 2024. 

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Credit Quality IndicatorsLoans and leases are monitored for credit quality on a recurring basis. Commercial loans and leases and consumer loans have different credit quality indicators as a result of the unique characteristics of the loan classes being evaluated. The credit quality indicators for commercial loans and leases are developed through a review of individual borrowers on an ongoing basis. Commercial loans are evaluated periodically with more frequent evaluations done on criticized loans. The indicators as of the date presented are based on the most recent assessment performed and are defined below: