Company: FCNCB
Filing Date: 2025-11-07
Form Type: 10-Q
Source: 0000798941-25-000050
Chunk: 258

Company: FIRST CITIZENS BANCSHARES INC /DE/
Filing Date: 2025-11-07
Form: 10-Q
Item: Item 1
Chunk 258
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 fees on loans to interest and fees on loans, excluding loan PAA:

Table 57NII, NIM, and Interest and Fees on Loans, Excluding PAA

dollars in millionsThree Months EndedNine Months EndedSeptember 30, 2025June 30, 2025September 30, 2024September 30, 2025September 30, 2024NII (GAAP)a$1,734 $1,695 $1,796 $5,092 $5,434 Loan PAAb71 75 107 230 415 Other PAAc(10)(9)(6)(28)(16)PAAd = (b+c)61 66 101 202 399 NII, excluding PAA (non-GAAP)e = (a-d)$1,673 $1,629 $1,695 $4,890 $5,035 Annualized NIIf = a annualized$6,878 $6,800 $7,147 $6,808 $7,259 Annualized NII, excluding PAAg = e annualized6,637 6,533 6,746 6,537 6,726 Average interest-earning assetsh$211,042 $208,175 $202,199 $208,432 $200,503 NIM (GAAP)f/h3.26 %3.26 %3.53 %3.26 %3.62 %NIM, excluding PAA (non-GAAP)g/h3.15 3.14 3.33 3.13 3.35 Interest and fees on loans (GAAP)$2,300 $2,270 $2,430 $6,806 $7,206 Less: loan PAAb71 75 107 230 415 Interest and fees on loans, excluding loan PAA (non-GAAP)$2,229 $2,195 $2,323 $6,576 $6,791 

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Adjusted Risk-Based Capital Ratios

FCB and the FDIC entered into the Shared-Loss Termination Agreement on April 7, 2025, after which time FCB and BancShares were no longer permitted to apply favorable RWA assumptions to the Covered Assets under the Shared-Loss Agreement. Adjusted risk