Company: FCNCB
Filing Date: 2025-11-07
Form Type: 10-Q
Source: 0000798941-25-000050
Chunk: 360

Company: FIRST CITIZENS BANCSHARES INC /DE/
Filing Date: 2025-11-07
Form: 10-Q
Item: Item 8
Chunk 360
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55 4.28 (73)312 504 (192)(115)(77)Total interest-bearing deposits118,806 110,478 8,328 8 3.04 3.51 (47)2,698 2,907 (209)218 (427)Borrowings:Securities sold under customer repurchase agreements447 398 49 12 0.53 0.49 42 1 1 1 — Senior unsecured borrowings428 371 57 16 5.20 2.53 26717 7 10 1 9 Subordinated debt1,262 904 358 40 4.68 3.32 13644 23 21 10 11 Other borrowings35,878 35,829 49 — 3.66 3.65 1985 980 5 1 4 Long-term borrowings37,568 37,104 464 1 3.71 3.63 81,046 1,010 36 12 24 Total borrowings38,015 37,502 513 1 3.67 3.59 81,048 1,011 37 13 24 Total interest-bearing liabilities$156,821 $147,980 $8,841 6 3.19 3.53 (34)$3,746 $3,918 $(172)$231 $(403)Noninterest-bearing liabilities$48,630 $48,310 $320 1 Stockholders' equity22,411 22,197 214 1 Total liabilities and stockholders’ equity$227,862 $218,487 $9,375 4 Net interest spread (2)2.47 %2.69 %(22)Net interest margin and net interest income (2)3.26 %3.62 %(36)$5,092 $5,434 $(342)

(1)     Loans and leases include nonaccrual loans and loans held for sale. Interest income on loans and leases includes accretion income and loan fees. 

(2)    The average balances and yields for loans and leases are calculated net of average credit balances of factoring clients to appropriately reflect the interest-earning portion of factoring receiv