Company: FCNCB
Filing Date: 2025-08-08
Form Type: 10-Q
Source: 0000798941-25-000040
Chunk: 185

Company: FIRST CITIZENS BANCSHARES INC /DE/
Filing Date: 2025-08-08
Form: 10-Q
Item: Item 1
Chunk 185
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,361 (4,301)(26)3.60 4.27 (67)215 348 (133)(83)(50)Total interest-bearing deposits117,906 109,482 8,424 8 3.06 3.50 (44)1,787 1,903 (116)142 (258)Borrowings:Securities sold under customer repurchase agreements450 406 44 11 0.55 0.47 81 1 — — — Senior unsecured borrowings363 376 (13)(3)5.16 2.50 26610 5 5 — 5 Subordinated debt1,218 906 312 34 4.49 3.30 11927 15 12 6 6 Other borrowings35,861 35,842 19 — 3.66 3.64 2657 652 5 1 4 Long-term borrowings37,442 37,124 318 1 3.70 3.62 8694 672 22 7 15 Total borrowings37,892 37,530 362 1 3.66 3.58 8695 673 22 7 15 Total interest-bearing liabilities$155,798 $147,012 $8,786 6 3.20 3.52 (32)$2,482 $2,576 $(94)$149 $(243)Noninterest-bearing liabilities$48,236 $48,699 $(463)(1)Stockholders' equity22,472 21,775 697 3 Total liabilities and stockholders’ equity$226,506 $217,486 $9,020 4 Net interest spread(2)2.47 %2.73 %(26)Net interest margin and net interest income (2)3.26 %3.66 %(40)$3,358 $3,638 $(280)

(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-