Company: FCNCB
Filing Date: 2025-08-08
Form Type: 10-Q
Source: 0000798941-25-000040
Chunk: 343

Company: FIRST CITIZENS BANCSHARES INC /DE/
Filing Date: 2025-08-08
Form: 10-Q
Item: Item 8
Chunk 343
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 from the prior period. 

•The change in NII due to changes in both volume and yield or rate (i.e., portfolio mix) is calculated as the change in rate multiplied by the change in volume. This component is allocated between the changes due to volume and yield or rate based on the ratio each component bears to the absolute dollar amounts of their total. 

•Tax equivalent NII was not materially different from NII, therefore we present NII in our analysis.

64

Table 5

Average Balances, Yields and Rates, NII, and NIM (Current Quarter to Linked Quarter)

dollars in millionsAverage BalanceYield / Rate Interest Income / ExpenseThree Months EndedIncrease (Decrease)Three Months EndedThree Months EndedIncrease (Decrease) due to:Jun 30, 2025Mar 31, 2025Jun 30, 2025Mar 31, 2025Increase (decrease) bpsJun 30, 2025Mar 31, 2025Increase (Decrease)Volume(1)Yield /Rate(1)Loans and leases(1)(2)$140,699 $139,491 $1,208 1 %6.47 %6.49 %(2)$2,270 $2,236 $34 $36 $(2)Investment securities43,935 43,555 380 1 3.79 3.79 —416 411 5 5 — Securities purchased under agreements to resell237 283 (46)(16)4.34 4.37 (3)3 3 — — — Interest-earning deposits at banks23,304 22,699 605 3 4.40 4.38 2256 245 11 9 2 Total interest-earning assets(2)$208,175 $206,028 $2,147 1 5.67 5.68 (1)$2,945 $2,895 $50 $50 $— Noninterest-earning assets19,377 19,421 (44)— Total assets$227,552 $225,449 $2,103 1 Interest-bearing depositsChecking with interest$22,929 $23,931 $(1,002)(4)%1.69 %1.77