Company: FCNCB
Filing Date: 2025-08-08
Form Type: 10-Q
Source: 0000798941-25-000040
Chunk: 348

Company: FIRST CITIZENS BANCSHARES INC /DE/
Filing Date: 2025-08-08
Form: 10-Q
Item: Item 8
Chunk 348
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)3.48 4.33 (85)100 173 (73)(43)(30)Total interest-bearing deposits118,582 110,902 7,680 7 3.02 3.54 (52)894 975 (81)71 (152)Borrowings:Securities sold under customer repurchase agreements471 380 91 24 0.57 0.46 11— — — — — Senior unsecured borrowings555 375 180 48 5.27 2.49 2788 3 5 1 4 Subordinated debt1,473 901 572 64 5.23 3.32 19119 7 12 6 6 Other borrowings35,880 35,824 56 — 3.66 3.61 5329 324 5 1 4 Long-term borrowings37,908 37,100 808 2 3.74 3.60 14356 334 22 8 14 Total borrowings38,379 37,480 899 2 3.71 3.56 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.

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