Company: FCNCB
Filing Date: 2025-11-07
Form Type: 10-Q
Source: 0000798941-25-000050
Chunk: 189

Company: FIRST CITIZENS BANCSHARES INC /DE/
Filing Date: 2025-11-07
Form: 10-Q
Item: Item 1
Chunk 189
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 $10,063 5 Net interest spread (2)2.48 %2.61 %(13)Net interest margin and net interest income (2)3.26 %3.53 %(27)$1,734 $1,796 $(62)

(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 receivables.

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Table 7Average Balances, Yields and Rates, NII, and NIM (Current YTD to Prior Year YTD)

dollars in millionsAverage BalanceYield / RateInterest Income / ExpenseNine Months EndedIncrease (Decrease) from Prior Year QuarterNine Months EndedNine Months EndedIncrease (Decrease) due to:Sep 30, 2025Sep 30, 2024Sep 30, 2025Sep 30, 2024Increase (decrease) bpsSep 30, 2025Sep 30, 2024Increase (Decrease)Volume(1)Yield /Rate(1)Loans and leases (1) (2)$140,668 $135,302 $5,366 4 %6.46 %7.11 %(65)$6,806 $7,206 $(400)$275 $(675)Investment securities44,110 35,769 8,341 23 3.80 3.58 221,257 960 297 235 62 Securities purchased under agreements to resell268 240 28 12 4.34 5.37 (103)9 10 (1)1 (2)Interest-earning deposits at banks23,386 29,192 (5,806)(20)4.38 5.38 (100)766 1,176 (410)(212)(198)Total interest-earning assets (2)$208,432 $200,503 $7,929 4 5.66 6.22 (56)$8,838 $9,352 $(514)$299 $(813)Noninterest-earning assets19,430 17