Company: FCNCB
Filing Date: 2025-08-08
Form Type: 10-Q
Source: 0000798941-25-000040
Chunk: 21

Company: FIRST CITIZENS BANCSHARES INC /DE/
Filing Date: 2025-08-08
Form: 10-Q
Item: Item 2
Chunk 21
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.56 15356 334 22 8 14 Total interest-bearing liabilities$156,961 $148,382 $8,579 6 3.19 3.54 (35)$1,250 $1,309 $(59)$79 $(138)Noninterest-bearing liabilities$48,103 $48,457 $(354)(1)Stockholders' equity22,488 22,052 436 2 Total liabilities and stockholders’ equity$227,552 $218,891 $8,661 4 Net interest spread(2)2.48 %2.72 %(24)Net interest margin and net interest income (2)3.26 %3.64 %(38)$1,695 $1,821 $(126)

(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.

67

Table 7

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

dollars in millionsAverage BalanceYield / RateInterest Income / ExpenseSix Months EndedIncrease (Decrease) from Prior Year QuarterSix Months EndedSix Months EndedIncrease (Decrease) due to:Jun 30, 2025Jun 30, 2024Jun 30, 2025Jun 30, 2024Increase (decrease) bpsJun 30, 2025Jun 30, 2024Increase (Decrease)Volume(1)Yield /Rate(1)Loans and leases(1)(2)$140,099 $134,139 $5,960 4 %6.48 %7.15 %(67)$4,506 $4,776 $(270)$200 $(470)Investment securities43,746 34,546 9,200 27 3.79 3.51 28827 606 221 171 50 Securities purchased under agreements to resell260 240 20 8 4.36 5.38 (102)6 6 —