Company: FCNCB
Filing Date: 2025-11-07
Form Type: 10-Q
Source: 0000798941-25-000050
Chunk: 295

Company: FIRST CITIZENS BANCSHARES INC /DE/
Filing Date: 2025-11-07
Form: 10-Q
Item: Item 8
Chunk 295
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) Term extensions include modifications in which the balloon principal payment was deferred to a later date or the loan amortization period was extended.

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Financial Effects of Loan Modifications made during the three months ended September 30, 2025dollars in millionsWeighted Average Term Extension (in Months)Weighted Average Interest Rate ReductionWeighted Average Payment Delay    (in Months)CommercialCommercial construction8 — %7 Owner occupied commercial mortgage13 — 6 Non-owner occupied commercial mortgage9 0.52 36 Commercial and industrial15 1.05 12 Leases60 — — Investor dependent11 — 6 Total commercial13 0.65 11 ConsumerResidential mortgage21 1.52 8 Revolving mortgage58 4.36 — Consumer auto18 — — Consumer other60 11.41 — Total consumer24 3.01 8 Total loans and leases13 0.71 %11 Financial Effects of Loan Modifications made during the three months ended September 30, 2024 dollars in millionsWeighted Average Term Extension (in Months)Weighted Average Interest Rate ReductionWeighted Average Payment Delay    (in Months)CommercialCommercial construction36 0.60 %— Owner occupied commercial mortgage17 1.82 6 Non-owner occupied commercial mortgage7 — 6 Commercial and industrial15 2.61 6 Leases11 — — Investor dependent9 — 6 Total commercial14 2.03 6 ConsumerResidential mortgage47 2.07 11 Revolving mortgage60 5.42 — Consumer auto31 — — Consumer other60 10.54 — Total consumer52 3.29 11 Total loans and leases14 2.19 %6 Note: The financial effects of loan modifications for certain loan classes reported in the tables above were not reported in the preceding tables as the total amortized cost of loans modified during the period for such loan classes rounded to less than $1 million.

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Amortized Cost of Loans Modified during the nine months ended September 30, 2025 dollars in millionsTerm Extension (1)Payment DelayInterest Rate ReductionTerm Extension (1) and Interest Rate ReductionTerm Extension (1) and Payment DelayOther Combinations (2)TotalPercent of Total Loan ClassCommercialCommercial construction$8