Call reports 2025
FIRST-CITIZENS BANK & TRUST COMPANY — 2025
What FIRST-CITIZENS BANK & TRUST COMPANY reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 228,632,000,000 | 229,412,000,000 | 233,167,000,000 | 229,332,000,000 |
| Total loans | 141,585,000,000 | 141,436,000,000 | 144,867,000,000 | 148,729,000,000 |
| Allowance for loan losses | 1,680,000,000 | 1,671,000,000 | 1,651,000,000 | 1,566,000,000 |
| Securities available for sale | 33,900,000,000 | 33,060,000,000 | 34,963,000,000 | 31,790,000,000 |
| Securities held to maturity | 10,322,000,000 | 10,188,000,000 | 10,049,000,000 | 9,645,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 160,109,000,000 | 160,302,000,000 | 163,581,000,000 | 162,081,000,000 |
| Interest-bearing deposits | 118,558,000,000 | 119,056,000,000 | 120,438,000,000 | 120,925,000,000 |
| Noninterest-bearing deposits | 41,551,000,000 | 41,246,000,000 | 43,143,000,000 | 41,156,000,000 |
| Equity capital | 21,996,000,000 | 22,677,000,000 | 22,326,000,000 | 23,371,000,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 2,897,000,000 | 5,844,000,000 | 8,844,000,000 | 11,786,000,000 |
| Interest expense | 1,226,000,000 | 2,453,000,000 | 3,700,000,000 | 4,893,000,000 |
| Net interest income | 1,671,000,000 | 3,391,000,000 | 5,144,000,000 | 6,893,000,000 |
| Noninterest income | 652,000,000 | 1,340,000,000 | 2,038,000,000 | 2,768,000,000 |
| Noninterest expense | 1,493,000,000 | 3,000,000,000 | 4,494,000,000 | 6,079,000,000 |
| Provision for loan losses | 149,000,000 | 259,000,000 | 473,000,000 | 532,000,000 |
| Pretax income | 674,000,000 | 1,461,000,000 | 2,227,000,000 | 3,070,000,000 |
| Income tax | 175,000,000 | 366,000,000 | 554,000,000 | 779,000,000 |
| Net income | 499,000,000 | 1,095,000,000 | 1,673,000,000 | 2,291,000,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,681,000,000 | 22,289,000,000 | 21,876,000,000 | 22,796,000,000 |
| Total capital | 23,757,000,000 | 24,361,000,000 | 23,912,000,000 | 24,739,000,000 |
| Risk-weighted assets | 164,770,000,000 | 173,493,000,000 | 177,191,000,000 | 181,645,000,000 |