Company: FCNCB
Filing Date: 2025-11-07
Form Type: 10-Q
Source: 0000798941-25-000050
Chunk: 354

Company: FIRST CITIZENS BANCSHARES INC /DE/
Filing Date: 2025-11-07
Form: 10-Q
Item: Item 8
Chunk 354
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.48 (3)97 100 (3)(2)(1)Total interest-bearing deposits120,575 118,582 1,993 2 3.00 3.02 (2)911 894 17 21 (4)Borrowings:Securities sold under customer repurchase agreements442 471 (29)(6)0.51 0.57 (6)1 — 1 1 — Senior unsecured borrowings555 555 — — 5.27 5.27 —7 8 (1)(1)— Subordinated debt1,350 1,473 (123)(8)5.02 5.23 (21)17 19 (2)(1)(1)Other borrowings35,911 35,880 31 — 3.66 3.66 —328 329 (1)— (1)Long-term borrowings37,816 37,908 (92)— 3.73 3.74 (1)352 356 (4)(2)(2)Total borrowings38,258 38,379 (121)— 3.70 3.71 (1)353 356 (3)(1)(2)Total interest-bearing liabilities$158,833 $156,961 $1,872 1 3.16 3.19 (3)$1,264 $1,250 $14 $20 $(6)Noninterest-bearing liabilities$49,405 $48,103 $1,302 3 Stockholders' equity22,291 22,488 (197)(1)Total liabilities and stockholders’ equity$230,529 $227,552 $2,977 1 Net interest spread (2)2.48 %2.48 %—Net interest margin and net interest income (2)3.26 %3.26 %—$1,734 $1,695 $39 

(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-