Company: FCNCB
Filing Date: 2025-02-21
Form Type: 10-K
Source: 0000798941-25-000010
Chunk: 4

Company: FIRST CITIZENS BANCSHARES INC /DE/
Filing Date: 2025-02-21
Form: 10-K
Item: Item 7
Chunk 4
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diluted)14,342,655 14,539,613 15,549,944 Diluted earnings per common share$189.41 $784.51 $67.40 Key Performance Metrics:Return on average assets1.26 %5.90 %1.01 %Net interest margin (1)3.54 3.92 3.16 Net interest margin, excluding purchase accounting accretion (1)(3)3.30 3.50 3.05 Select Average Balances:Investment securities$37,029 $23,112 $19,166 Total loans and leases (2)137,546 119,234 67,787 Operating lease equipment, net9,003 8,495 7,982 Total assets219,800 194,281 108,915 Total deposits151,004 130,590 89,916 Total stockholders’ equity22,297 17,937 10,276 Select Ending Balances:Investment securities$44,090 $29,999 $19,369 Total loans and leases140,221 133,302 70,781 Operating lease equipment, net9,323 8,746 8,156 Total assets223,720 213,758 109,298 Total deposits155,229 145,854 89,408 Total stockholders’ equity22,228 21,255 9,662 Loan to deposit ratio90.33 %91.39 %79.17 %Noninterest-bearing deposits to total deposits24.89 27.29 27.87 Capital Ratios:Total risk-based capital15.04 %15.75 %13.18 %Tier 1 risk-based capital13.53 13.94 11.06 Common equity Tier 112.99 13.36 10.08 Tier 1 leverage9.90 9.83 8.99 Asset Quality:Ratio of nonaccrual loans to total loans0.84 %0.73 %0.89 %Allowance for loan and lease losses to loans ratio1.20 1.31 1.30 Net charge off ratio0.39 0.47 0.12 

(1)     Calculated net of average credit balances and deposits of fact