First Citizens BancShares, Inc. (FCNCO)

First Citizens BancShares Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	9,096	9,528	8,187	2,953	1,295
Interest Income on Investments	2,682	2,825	2,204	460	156
Total Interest Income	11,778	12,353	10,391	3,413	1,451
Interest Paid on Deposits	3,559	3,864	2,497	335	33
Interest Paid on Borrowings	1,405	1,346	1,182	132	28
Total Interest Expense	4,964	5,210	3,679	467	61
Net Interest Income	6,814	7,143	6,712	2,946	1,390
Net Interest Income Growth (YoY)	-4.61%	6.42%	127.83%	111.94%	0.14%
Trust Income	229	211	188	142	129
Gain (Loss) on Sale of Assets	30	30	20	15	-
Gain (Loss) on Sale of Investments	25	19	-37	-3	67
Other Non-Interest Income	2,211	2,127	1,896	1,402	217
Total Non-Interest Income	2,736	2,617	2,267	1,698	508
Non-Interest Income Growth (YoY)	4.55%	15.44%	33.51%	234.25%	6.50%
Revenues Before Loan Losses	9,550	9,760	8,979	4,644	1,898
Provision for Loan Losses	514	431	1,375	645	-37
Revenue	9,036	9,329	7,604	3,999	1,935
Revenue Growth (YoY)	-3.14%	22.68%	90.15%	106.67%	7.08%
Salaries and Employee Benefits	3,294	3,078	2,631	1,389	759
Occupancy Expenses	482	363	380	312	100
Federal Deposit Insurance	141	138	158	31	14
Amortization of Goodwill & Intangibles	54	63	57	23	12
Selling, General & Administrative	1,478	1,423	1,262	849	226
Other Non-Interest Expense	466	447	374	240	94
Total Non-Interest Expense	5,915	5,512	4,862	2,844	1,205
EBT Excluding Unusual Items	3,121	3,817	2,742	1,155	730
Asset Writedown	-	-13	-3	-	-
Other Unusual Items	-9	-2	9,808	438	-
Pretax Income	2,971	3,592	12,077	1,362	701
Income Tax Expense	765	815	611	264	154
Net Income	2,206	2,777	11,466	1,098	547
Preferred Dividends & Other Adjustments	57	61	59	50	18
Net Income to Common	2,149	2,716	11,407	1,048	529
Net Income Growth	-20.56%	-75.78%	944.26%	100.73%	11.18%
Basic Shares Outstanding	13	14	15	16	10
Diluted Shares Outstanding	13	14	15	16	10
Shares Change (YoY)	-9.34%	-1.35%	-6.50%	58.41%	-2.39%
EPS (Basic)	165.28	189.38	785.18	67.47	53.89
EPS (Diluted)	165.24	189.38	784.51	67.40	53.88
EPS Growth	-12.75%	-75.86%	1063.96%	25.09%	13.43%
Dividend Per Share	7.950	6.870	3.890	2.160	1.880
Dividend Growth	15.72%	76.61%	80.09%	14.89%	12.57%
Effective Tax Rate	25.75%	22.69%	5.06%	19.38%	21.97%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q