Company: FCNCB
Filing Date: 2025-08-08
Form Type: 10-Q
Source: 0000798941-25-000040
Chunk: 416

Company: FIRST CITIZENS BANCSHARES INC /DE/
Filing Date: 2025-08-08
Form: 10-Q
Item: Item 8
Chunk 416
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AAP)b$173,033 $172,914 $172,428 $172,306 Total Risk-Based Capital RatioTotal risk-based capitalc$25,071 $23,758 $24,610 $23,975 Total risk-based capital ratio (GAAP)c/a15.23 %14.45 %15.04 %14.66 %Less: impact of FDIC Shared-Loss Agreement0.74 0.71 0.77 0.75 Adjusted total risk-based capital ratio (non-GAAP)c/b14.49 %13.74 %14.27 %13.91 %CET1 Capital RatioCET1 capitald$21,089 $21,682 $21,256 $21,852 CET1 capital ratio (GAAP)d/a12.81 %13.18 %12.99 %13.37 %Less: impact of FDIC Shared-Loss Agreement0.62 0.64 0.66 0.69 Adjusted CET1 capital ratio (non-GAAP)d/b12.19 %12.54 %12.33 %12.68 %Tier 1 Risk-Based Capital RatioTier 1 risk-based capitale$21,970 $21,682 $22,137 $21,852 Tier 1 risk-based capital ratio (GAAP)e/a13.35 %13.18 %13.53 %13.37 %Less: impact of FDIC Shared-Loss Agreement0.65 0.64 0.69 0.69 Adjusted tier 1 risk-based capital ratio (non-GAAP)e/b12.70 %12.54 %12.84 %12.68 %   

107

Forward-Looking Statements 

Statements in this Quarterly Report on Form 10-Q contain “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995 regarding the financial condition, results of operations, business plans, asset quality, future performance, and other strategic goals of BancShares. Words such as “anticipates,” “believes,” “estimates,” “expects,” “predicts,” “forecasts,” “intends,” “plans,” “projects,” “targets,” “designed,” “could,” “may,” “should,” “will,” “potential,” “continue,” “aims