First Citizens BancShares Results Presentation Deck
Loan Portfolios in Focus
($ in billions, as of September 30, 2023)
First Citizens
BancShares
Total Loans
Total Loans
$133.2 B
CRE
$19.9 B
Innovation
$14.4 B
Commercial Real Estate (CRE) Portfolio Composition
% of Total
Loans
Multi-Family
Medical Office
General Office
General Bank
Commercial Bank
SVB
Industrial / Warehouse
Retail
Hotel/Motel
Other
Total
Innovation C&I and cash flow
dependent
$
Investor dependent - growth
stage
Investor dependent - early
stage
Total
Balance
Innovation Portfolio Composition
4.4
3.3
2.9
1.3
1.1
0.5
2.5
1.7
0.8
4.3
19.9
Balance
8.7
3.9
1.7
14.4
3.3 %
2.5
2.2
1.0
0.8
0.4
1.9
1.3
0.6
3.3
14.9 %
% of Total
Loans
6.5 %
3.0
1.3
10.8 %
Note - The definition of CRE in these tables was expanded in 3Q23 to align with supervisory guidance SR-07-01 and includes the following: construction loans (1.a.1 and 1.a.2),
loans where the primary repayment is from 3rd party rental income (1.d and 1.e.2), and loans not secured by real estate but for the purpose of real estate (4.a, 8, and 9). The
change in methodology increased reported CRE totals by $2.2 billion.
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