Company: FCNCB
Filing Date: 2025-11-07
Form Type: 10-Q
Source: 0000798941-25-000050
Chunk: 358

Company: FIRST CITIZENS BANCSHARES INC /DE/
Filing Date: 2025-11-07
Form: 10-Q
Item: Item 8
Chunk 358
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7 3.00 3.55 (55)911 1,004 (93)75 (168)Borrowings:Securities sold under customer repurchase agreements442 384 58 15 0.51 0.55 (4)1 — 1 1 — Senior unsecured borrowings555 361 194 54 5.27 2.59 2687 2 5 2 3 Subordinated debt1,350 900 450 50 5.02 3.34 16817 8 9 4 5 Other borrowings35,911 35,803 108 — 3.66 3.66 —328 328 — — — Long-term borrowings37,816 37,064 752 2 3.73 3.64 9352 338 14 6 8 Total borrowings38,258 37,448 810 2 3.70 3.61 9353 338 15 7 8 Total interest-bearing liabilities$158,833 $149,894 $8,939 6 3.16 3.57 (41)$1,264 $1,342 $(78)$82 $(160)Noninterest-bearing liabilities$49,405 $47,721 $1,684 4 Stockholders' equity22,291 22,851 (560)(3)Total liabilities and stockholders’ equity$230,529 $220,466 $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.

69

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

dollars in millionsAverage Balance