FIRST CITIZENS BANCSHARES INC /DE/
For the period ended Sep 30, 2026. Filed Nov 6, 2026.
View on SEC.govAbout this filing
A company's report for each of its first three quarters. The financial statements are not audited. It shows how the business has moved since the last annual report, and what management says changed.
Sep 30, 2026 · Filed Nov 6, 2026
FCNCA$2,311.52+0.9%Stored close · as of Nov 10, 2026
Extracted filing text, with the paragraph anchors used by the comparison.
See the whole filing, with its images and exhibitsContents
Consolidated Statements of Income (Unaudited)
| Three Months Ended September 30, | Nine Months Ended September 30, | |||
|---|---|---|---|---|
| dollars in millions, except share and per share data | 2026 | 2025 | 2026 | 2025 |
| Interest income | ||||
| Loans and leases | $2,341 | $2,300 | $6,800 | $6,806 |
| Investment securities | 427 | 433 | 1,212 | 1,266 |
| Deposits at banks | 197 | 265 | 590 | 766 |
| Total interest income | 2,965 | 2,998 | 8,602 | 8,838 |
| Interest expense | ||||
| Deposits | 971 | 911 | 2,685 | 2,698 |
| Borrowings | 295 | 353 | 941 | 1,048 |
| Total interest expense | 1,266 | 1,264 | 3,626 | 3,746 |
| Net interest income | 1,699 | 1,734 | 4,976 | 5,092 |
| Provision for credit losses | 55 | 191 | 117 | 460 |
| Net interest income after provision for credit losses | 1,644 | 1,543 | 4,859 | 4,632 |
| Noninterest income | ||||
| Rental income on operating lease equipment | 288 | 273 | 849 | 815 |
| Lending-related fees | 83 | 67 | 225 | 202 |
| Deposit fees and service charges | 76 | 61 | 220 | 178 |
| Client investment fees | 68 | 58 | 180 | 163 |
| Wealth management services | 62 | 57 | 183 | 168 |
| International fees | 34 | 34 | 105 | 99 |
| Factoring commissions | 20 | 18 | 55 | 53 |
| Cardholder services, net | 40 | 39 | 116 | 121 |
| Merchant services, net | 12 | 12 | 38 | 39 |
| Insurance commissions | 12 | 13 | 38 | 41 |
| Realized gain on sale of investment securities, net | 28 | — | 28 | — |
| Fair value adjustment on marketable equity securities, net | (23) | 13 | (5) | 10 |
| Gain on sale of leasing equipment, net | 7 | 3 | 32 | 16 |
| Loss on extinguishment of debt | (19) | — | (34) | — |
| Other noninterest income | 46 | 51 | 172 | 107 |
| Total noninterest income | 734 | 699 | 2,202 | 2,012 |
| Noninterest expense | ||||
| Depreciation on operating lease equipment | 100 | 98 | 302 | 296 |
| Maintenance and other operating lease expenses | 66 | 67 | 198 | 180 |
| Personnel cost | 842 | 817 | 2,555 | 2,445 |
| Net occupancy expense | 64 | 58 | 183 | 177 |
| Equipment expense | 133 | 137 | 410 | 404 |
| Professional fees | 18 | 26 | 68 | 81 |
| Third-party processing fees | 112 | 67 | 305 | 193 |
| FDIC insurance expense | 37 | 38 | 114 | 114 |
| Marketing expense | 40 | 33 | 115 | 97 |
| Acquisition-related expenses | 18 | 28 | 31 | 108 |
| Intangible asset amortization | 14 | 13 | 38 | 41 |
| Other noninterest expense | 129 | 109 | 341 | 348 |
| Total noninterest expense | 1,573 | 1,491 | 4,660 | 4,484 |
| Income before income taxes | 805 | 751 | 2,401 | 2,160 |
| Income tax expense | 199 | 183 | 589 | 534 |
| Net income | $606 | $568 | $1,812 | $1,626 |
| Preferred stock dividends | 29 | 14 | 87 | 43 |
| Net income available to common stockholders | $577 | $554 | $1,725 | $1,583 |
| Earnings per common share | ||||
| Basic and diluted | $51.23 | $43.08 | $149.14 | $119.70 |
| Weighted average common shares outstanding | ||||
| Basic and diluted | 11,250,519 | 12,849,339 | 11,567,933 | 13,217,940 |
The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.