FIRST CITIZENS BANCSHARES INC /DE/
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FCNCA FY 2025 request
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/api/financials?ticker=FCNCA&year=2025&quarter=4&full_year_mode=true
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| Metric | FY 2025 | FY 2024 | YoY |
|---|---|---|---|
| Interest And Fee Income Loans And Leases (FY) | — | — | — |
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| Interest And Fee Income Loans And Leases | 9,096 | 9,528 | -4.5% |
| Interest Income Securities Taxable (FY) | — | — | — |
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| Interest Income Securities Taxable | 1,690 | 1,347 | +25.5% |
| Interest Income Deposits With Financial Institutions And Dividend Income Equity Securities Operating (FY) | — | — | — |
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| Interest Income Deposits With Financial Institutions And Dividend Income Equity Securities Operating | 992 | 1,478 | -32.9% |
| Interest And Dividend Income Operating (FY) | — | — | — |
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| Interest And Dividend Income Operating | 11,778 | 12,353 | -4.7% |
| Interest Expense Deposits (FY) | — | — | — |
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| Interest Expense Deposits | 3,559 | 3,864 | -7.9% |
| Interest Expense Borrowings (FY) | — | — | — |
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| Interest Expense Borrowings | 1,405 | 1,346 | +4.4% |
| Interest Expense Operating (FY) | — | — | — |
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| Interest Expense Operating | 4,964 | 5,210 | -4.7% |
| Interest Income Expense Net (FY) | — | — | — |
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| Commercial Bank · Operating Segments | 3,205 | 3,403 | -5.8% |
| General Bank · Operating Segments | 3,299 | 2,951 | +11.8% |
| Rail · Operating Segments | -213 | -186 | -14.5% |
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| Interest Income Expense Net | 6,814 | 7,143 | -4.6% |
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| Corporate Non Segment | 523 | 975 | -46.4% |
| Credit Loss Expense Reversal (FY) | — | — | — |
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| Commercial Bank · Operating Segments | 437 | 296 | +47.6% |
| General Bank · Operating Segments | 77 | 135 | -43.0% |
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| Credit Loss Expense Reversal | 514 | 431 | +19.3% |
| Interest Income Expense After Provision For Credit Loss (FY) | — | — | — |
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| Interest Income Expense After Provision For Credit Loss | 6,300 | 6,712 | -6.1% |
| Operating Lease Lease Income (FY) | — | — | — |
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| Commercial Bank · Operating Segments | 219 | 227 | -3.5% |
| Rail · Operating Segments | 877 | 821 | +6.8% |
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| Operating Lease Lease Income | 1,096 | 1,048 | +4.6% |
| Revenue (FY) | — | — | — |
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| Asset Management1 | 229 | 211 | +8.5% |
| Client investment fees | 217 | 213 | +1.9% |
| Credit And Debit Card | 158 | 163 | -3.1% |
| Deposit fees and service charges | 241 | 230 | +4.8% |
| Factoring commissions | 73 | 75 | -2.7% |
| Insurance commissions | 53 | 55 | -3.6% |
| International fees | 136 | 119 | +14.3% |
| Lending-related fees | 266 | 257 | +3.5% |
| Merchant services, net | 52 | 49 | +6.1% |
| Debt Securities Realized Gain Loss (FY) | — | — | — |
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| Debt Securities Realized Gain Loss | 3 | 6 | -50.0% |
| Equity Securities Fv Ni Gain Loss (FY) | — | — | — |
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| Equity Securities Fv Ni Gain Loss | 22 | 13 | +69.2% |
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| Parent | 22 | 13 | +69.2% |
| Gain Loss On Sale Of Leased Assets Net Operating Leases (FY) | — | — | — |
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| Gain Loss On Sale Of Leased Assets Net Operating Leases | 30 | 30 | 0.0% |
| Gains Losses On Extinguishment Of Debt (FY) | — | — | — |
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| Gains Losses On Extinguishment Of Debt | -9 | -2 | -350.0% |
| Noninterest Income Other (FY) | — | — | — |
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| Noninterest Income Other | 160 | 148 | +8.1% |
| Noninterest Income (FY) | — | — | — |
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| Commercial Bank · Operating Segments | 1,125 | 1,109 | +1.4% |
| General Bank · Operating Segments | 664 | 612 | +8.5% |
| Rail · Operating Segments | 893 | 835 | +6.9% |
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| Noninterest Income | 2,727 | 2,615 | +4.3% |
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| Corporate Non Segment | 45 | 59 | -23.7% |
| Operating Leases Income Statement Depreciation Expense On Property Subject To Or Held For Lease (FY) | — | — | — |
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| Commercial Bank · Operating Segments | 175 | 185 | -5.4% |
| Rail · Operating Segments | 223 | 209 | +6.7% |
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| Operating Leases Income Statement Depreciation Expense On Property Subject To Or Held For Lease | 398 | 394 | +1.0% |
| Direct Costs Of Leased And Rented Property Or Equipment (FY) | — | — | — |
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| Rail · Operating Segments | 244 | 219 | +11.4% |
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| Direct Costs Of Leased And Rented Property Or Equipment | 244 | 219 | +11.4% |
| Labor And Related Expense (FY) | — | — | — |
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| Commercial Bank · Operating Segments | 737 | 741 | -0.5% |
| General Bank · Operating Segments | 838 | 783 | +7.0% |
| Rail · Operating Segments | 26 | 25 | +4.0% |
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| Labor And Related Expense | 3,294 | 3,078 | +7.0% |
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| Corporate Non Segment | 1,693 | 1,529 | +10.7% |
| Occupancy Net (FY) | — | — | — |
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| Occupancy Net | 238 | 242 | -1.7% |
| Equipment Expense (FY) | — | — | — |
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| Equipment Expense | 555 | 504 | +10.1% |
| Professional Fees (FY) | — | — | — |
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| Professional Fees | 115 | 121 | -5.0% |
| Third Party Processing Fees (FY) | — | — | — |
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| Third Party Processing Fees | 268 | 230 | +16.5% |
| Federal Deposit Insurance Corporation Premium Expense (FY) | — | — | — |
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| Federal Deposit Insurance Corporation Premium Expense | 141 | 138 | +2.2% |
| Marketing Expense (FY) | — | — | — |
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| Marketing Expense | 142 | 76 | +86.8% |
| Business Combination Acquisition Related Costs (FY) | — | — | — |
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| Business Combination Acquisition Related Costs | 141 | 210 | -32.9% |
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| Corporate Non Segment | 141 | 210 | -32.9% |
| Amortization Of Intangible Assets (FY) | — | — | — |
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| Amortization Of Intangible Assets | 54 | 63 | -14.3% |
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| Core Deposits | -54 | -63 | +14.3% |
| Other Noninterest Expense (FY) | — | — | — |
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| Other Noninterest Expense | 466 | 460 | +1.3% |
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| Parent | 75 | 61 | +23.0% |
| Noninterest Expense (FY) | — | — | — |
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| Commercial Bank · Operating Segments | 2,598 | 2,552 | +1.8% |
| General Bank · Operating Segments | 2,331 | 2,125 | +9.7% |
| Rail · Operating Segments | 565 | 512 | +10.4% |
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| Noninterest Expense | 6,056 | 5,735 | +5.6% |
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| Corporate Non Segment | 562 | 546 | +2.9% |
| Income Before Taxes (FY) | — | — | — |
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| Commercial Bank · Operating Segments | 1,295 | 1,664 | -22.2% |
| General Bank · Operating Segments | 1,555 | 1,303 | +19.3% |
| Rail · Operating Segments | 115 | 137 | -16.1% |
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| Income Before Taxes | 2,971 | 3,592 | -17.3% |
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| Corporate Non Segment | 6 | 488 | -98.8% |
| Income Tax Expense (Benefit) (FY) | — | — | — |
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| Commercial Bank · Operating Segments | 320 | 442 | -27.6% |
| General Bank · Operating Segments | 380 | 362 | +5.0% |
| Rail · Operating Segments | 28 | 36 | -22.2% |
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| Income Tax Expense (Benefit) | 765 | 815 | -6.1% |
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| Parent | -16 | -22 | +27.3% |
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| Corporate Non Segment | 37 | -25 | +248.0% |
| Net Income (FY) | — | — | — |
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| Commercial Bank · Operating Segments | 975 | 1,222 | -20.2% |
| General Bank · Operating Segments | 1,175 | 941 | +24.9% |
| Rail · Operating Segments | 87 | 101 | -13.9% |
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| Retained Earnings | 2,206 | 2,777 | -20.6% |
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| Net Income | 2,206 | 2,777 | -20.6% |
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| Parent | 2,206 | 2,777 | -20.6% |
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| Corporate Non Segment | -31 | 513 | -106.0% |
| Preferred Stock Dividends Income Statement Impact (FY) | — | — | — |
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| Preferred Stock Dividends Income Statement Impact | 57 | 61 | -6.6% |
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| Parent | 57 | 61 | -6.6% |
| Net Income Loss Available To Common Stockholders Basic (FY) | — | — | — |
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| Net Income Loss Available To Common Stockholders Basic | 2,149 | 2,716 | -20.9% |
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| Parent | 2,149 | 2,716 | -20.9% |
| Net Income Loss Available To Common Stockholders Diluted (FY) | — | — | — |
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| Net Income Loss Available To Common Stockholders Diluted | 2,149 | 2,716 | -20.9% |
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| Parent | 2,149 | 2,716 | -20.9% |
| EPS (Basic) (FY) | — | — | — |
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| EPS (Basic) | 165.24 | 189.42 | -12.8% |
| EPS (Diluted) (FY) | — | — | — |
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| EPS (Diluted) | 165.24 | 189.41 | -12.8% |
| Wtd Avg Shares (Basic) (FY) | — | — | — |
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| Wtd Avg Shares (Basic) | 13,002,455 | 14,341,872 | -9.3% |
| Wtd Avg Shares (Diluted) (FY) | — | — | — |
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| Wtd Avg Shares (Diluted) | 13,002,455 | 14,342,655 | -9.3% |
| Revenue (FY) | — | — | — |
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| Commercial Bank · Operating Segments | 4,330 | 4,512 | -4.0% |
| General Bank · Operating Segments | 3,963 | 3,563 | +11.2% |
| Rail · Operating Segments | 680 | 649 | +4.8% |
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| Revenue | 9,541 | 9,758 | -2.2% |
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| Parent | 1,705 | 2,246 | -24.1% |
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| Corporate Non Segment | 568 | 1,034 | -45.1% |
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| Maximum · Pre-Revenue, Development-Stage And Early Phases Of Commercialization Companies | 15 | — | — |
| Minimum · Pre-Revenue, Development-Stage And Early Phases Of Commercialization Companies | 5 | — | — |
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| Pre-Revenue Clinical-State Biotechnology Companies | 15 | — | — |
| Pre-Revenue, Development-Stage And Early Phases Of Commercialization Companies | 5 | — | — |
| Total Costs & Expenses (FY) | — | — | — |
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| Parent | 155 | 77 | +101.3% |
| Comprehensive Income (FY) | — | — | — |
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| Comprehensive Income | 2,734 | 2,823 | -3.2% |
| Other Comprehensive Income (FY) | — | — | — |
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| Accumulated Defined Benefit Plans Adjustment | 75 | 44 | +70.5% |
| Accumulated Gain Loss Net Cash Flow Hedge Parent | 6 | 8 | -25.0% |
| Accumulated Net Unrealized Investment Gain Loss | 447 | -7 | +6485.7% |
| Accumulated Other Comprehensive Income | 528 | 46 | +1047.8% |
| Unrealized loss on securities available for sale | 447 | -7 | +6485.7% |
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| Other Comprehensive Income | 528 | 46 | +1047.8% |
| Interest Expense (FY) | — | — | — |
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| Parent | 80 | 16 | +400.0% |
Balance Sheet
| Metric | FY 2025 | FY 2024 | YoY |
|---|---|---|---|
| Non-Current Assets | |||
| Equity Securities Fv Ni Current And Noncurrent (Q) | — | — | — |
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| Fair Value Inputs Level1 · Estimate Of Fair Value Fair Value Disclosure | 50 | 48 | +4.2% |
| Fair Value Inputs Level2 · Estimate Of Fair Value Fair Value Disclosure | 77 | 53 | +45.3% |
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| Equity Securities Fv Ni Current And Noncurrent | 127 | 101 | +25.7% |
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| Parent | 119 | 99 | +20.2% |
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| Carrying Reported Amount Fair Value Disclosure | 127 | 101 | +25.7% |
| Estimate Of Fair Value Fair Value Disclosure | 127 | 101 | +25.7% |
| Goodwill (Q) | — | — | — |
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| Goodwill | 346 | 346 | 0.0% |
| Total Assets (Q) | — | — | — |
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| Total Assets | 229,698 | 223,720 | +2.7% |
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| Parent | 24,226 | 22,714 | +6.7% |
| Variable Interest Entity Not Primary Beneficiary | 2,955 | 2,516 | +17.4% |
| Variable Interest Entity Not Primary Beneficiary · Affordable housing tax credit investments | 2,761 | 2,357 | +17.1% |
| Variable Interest Entity Not Primary Beneficiary · Other unconsolidated investments | 194 | 157 | +23.6% |
| Variable Interest Entity Not Primary Beneficiary · Total tax credit equity investments | 2,761 | 2,359 | +17.0% |
| Operating Lease Right-of-Use Assets (Q) | — | — | — |
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| Operating Lease Right-of-Use Assets | 294 | 316 | -7.0% |
| Intangible Assets (Q) | — | — | — |
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| Core Deposits | 195 | 249 | -21.7% |
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| Cash And Due From Banks (Q) | — | — | — |
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| Cash And Due From Banks | 801 | 814 | -1.6% |
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| Parent | 466 | 310 | +50.3% |
| Interest Bearing Deposits In Banks (Q) | — | — | — |
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| Interest Bearing Deposits In Banks | 19,801 | 21,364 | -7.3% |
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| Parent | 4 | 1 | +300.0% |
| Securities Purchased Under Agreements To Resell (Q) | — | — | — |
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| Securities Purchased Under Agreements To Resell | 232 | 158 | +46.8% |
| Debt Securities Available For Sale Excluding Accrued Interest (Q) | — | — | — |
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| Fair Value Inputs Level2 · Commercial Mortgage Backed Securities | 3,299 | 3,666 | -10.0% |
| Fair Value Inputs Level2 · Corporate Bond Securities | 117 | 299 | -60.9% |
| Fair Value Inputs Level2 · Estimate Of Fair Value Fair Value Disclosure | 31,767 | 33,582 | -5.4% |
| Fair Value Inputs Level2 · Fair Value Measurements Recurring | 31,767 | 33,582 | -5.4% |
| Fair Value Inputs Level2 · Municipal Bonds | 12 | 17 | -29.4% |
| Fair Value Inputs Level2 · Residential Mortgage Backed Securities | 17,623 | 15,620 | +12.8% |
| Fair Value Inputs Level2 · US Government Agencies Debt Securities | 43 | 77 | -44.2% |
| Fair Value Inputs Level2 · US Treasury Securities | 10,673 | 13,903 | -23.2% |
| Fair Value Inputs Level3 · Corporate Bond Securities | 23 | 168 | -86.3% |
| Fair Value Inputs Level3 · Estimate Of Fair Value Fair Value Disclosure | 23 | 168 | -86.3% |
| Fair Value Inputs Level3 · Fair Value Measurements Recurring | 23 | 168 | -86.3% |
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| Agency Securities | 43 | 77 | -44.2% |
| Commercial Mortgage Backed Securities | 3,299 | 3,666 | -10.0% |
| Commercial Mortgage Backed Securities · Fair Value Measurements Recurring | 3,299 | 3,666 | -10.0% |
| Corporate Bond Securities · Fair Value Measurements Recurring | 140 | 467 | -70.0% |
| Corporate Debt Securities | 140 | 467 | -70.0% |
| Municipal Bonds | 12 | 17 | -29.4% |
| Municipal Bonds · Fair Value Measurements Recurring | 12 | 17 | -29.4% |
| Residential Mortgage Backed Securities | 17,623 | 15,620 | +12.8% |
| Residential Mortgage Backed Securities · Fair Value Measurements Recurring | 17,623 | 15,620 | +12.8% |
| US Government Agencies Debt Securities · Fair Value Measurements Recurring | 43 | 77 | -44.2% |
| US Treasury Securities | 10,673 | 13,903 | -23.2% |
| US Treasury Securities · Fair Value Measurements Recurring | 10,673 | 13,903 | -23.2% |
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| Debt Securities Available For Sale Excluding Accrued Interest | 31,790 | 33,750 | -5.8% |
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| Carrying Reported Amount Fair Value Disclosure | 31,790 | 33,750 | -5.8% |
| Estimate Of Fair Value Fair Value Disclosure | 31,790 | 33,750 | -5.8% |
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| Fair Value Measurements Recurring | 31,790 | 33,750 | -5.8% |
| Debt Securities Held To Maturity Excluding Accrued Interest Before Allowance For Credit Loss (Q) | — | — | — |
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| Fair Value Inputs Level2 · Estimate Of Fair Value Fair Value Disclosure | 8,491 | 8,702 | -2.4% |
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| Agency Securities | 1,225 | 1,489 | -17.7% |
| Commercial Mortgage Backed Securities | 3,337 | 3,407 | -2.1% |
| Other Debt Securities | 1 | 2 | -50.0% |
| Residential Mortgage Backed Securities | 4,450 | 4,558 | -2.4% |
| Supranational securities | 246 | 300 | -18.0% |
| US Treasury Securities | 388 | 483 | -19.7% |
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| Debt Securities Held To Maturity Excluding Accrued Interest Before Allowance For Credit Loss | 9,647 | 10,239 | -5.8% |
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| Carrying Reported Amount Fair Value Disclosure | 9,647 | 10,239 | -5.8% |
| Estimate Of Fair Value Fair Value Disclosure | 8,491 | 8,702 | -2.4% |
| Assets Held For Sale Not Part Of Disposal Group (Q) | — | — | — |
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| Assets Held For Sale Not Part Of Disposal Group | 804 | 85 | +845.9% |
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| Disposal Group Heldforsale Not Discontinued Operations | 804 | 85 | +845.9% |
| Financing Receivable Excluding Accrued Interest Before Allowance For Credit Loss (Q) | — | — | — |
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| Commercial Bank · Operating Segments | 82,910 | 75,272 | +10.1% |
| General Bank · Operating Segments | 64,958 | 64,887 | +0.1% |
| Rail · Operating Segments | 62 | 62 | 0.0% |
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| Financing Receivable Excluding Accrued Interest Before Allowance For Credit Loss | 147,930 | 140,221 | +5.5% |
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| FDIC · Asset Pledged As Collateral | 34,465 | 41,040 | -16.0% |
| FHLB of Atlanta · Financial Asset Acquired And No Credit Deterioration | 31,713 | 30,421 | +4.2% |
| FRB · Financial Asset Acquired And No Credit Deterioration | 13,640 | 6,309 | +116.2% |
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| Commercial Portfolio Segment | 120,734 | 112,377 | +7.4% |
| Commercial Portfolio Segment · Capital call lines | 31,791 | 25,501 | +24.7% |
| Commercial Portfolio Segment · Capital call lines | 31,791 | 25,501 | +24.7% |
| Commercial Portfolio Segment · Commercial and industrial | 44,721 | 43,559 | +2.7% |
| Commercial Portfolio Segment · Commercial and industrial | 143 | 134 | +6.7% |
| Commercial Portfolio Segment · Commercial and industrial | 146 | 193 | -24.4% |
| Commercial Portfolio Segment · Commercial and industrial | 41,091 | 39,512 | +4.0% |
| Commercial Portfolio Segment · Commercial and industrial | 1,071 | 1,297 | -17.4% |
| Commercial Portfolio Segment · Commercial and industrial | 2,270 | 2,423 | -6.3% |
| Commercial Portfolio Segment · Commercial real estate | 23,784 | 23,282 | +2.2% |
| Commercial Portfolio Segment · Commercial real estate | 73 | 11 | +563.6% |
| Commercial Portfolio Segment · Commercial real estate | 22,005 | 21,399 | +2.8% |
| Commercial Portfolio Segment · Commercial real estate | 418 | 649 | -35.6% |
| Commercial Portfolio Segment · Commercial real estate | 1,288 | 1,223 | +5.3% |
| Commercial Portfolio Segment · Doubtful | 280 | 286 | -2.1% |
| Commercial Portfolio Segment · Investor Dependent, Early Stage [Member] | 2,778 | 3,193 | -13.0% |
| Commercial Portfolio Segment · Investor Dependent, Early Stage [Member] | 47 | 82 | -42.7% |
| Commercial Portfolio Segment · Investor Dependent, Early Stage [Member] | 2,132 | 2,482 | -14.1% |
| Commercial Portfolio Segment · Investor Dependent, Early Stage [Member] | 146 | 77 | +89.6% |
| Commercial Portfolio Segment · Investor Dependent, Early Stage [Member] | 453 | 552 | -17.9% |
| Commercial Portfolio Segment · Owner occupied commercial mortgage | 17,660 | 16,842 | +4.9% |
| Commercial Portfolio Segment · Owner occupied commercial mortgage | 16,682 | 15,933 | +4.7% |
| Commercial Portfolio Segment · Owner occupied commercial mortgage | 240 | 298 | -19.5% |
| Commercial Portfolio Segment · Owner occupied commercial mortgage | 724 | 611 | +18.5% |
| Commercial Portfolio Segment · Owner occupied commercial mortgage | 14 | — | — |
| Commercial Portfolio Segment · Pass | 113,701 | 104,827 | +8.5% |
| Commercial Portfolio Segment · Special Mention | 1,875 | 2,321 | -19.2% |
| Commercial Portfolio Segment · Substandard | 4,735 | 4,809 | -1.5% |
| Commercial Portfolio Segment · Ungraded | 143 | 134 | +6.7% |
| Consumer Portfolio Segment | 27,196 | 27,844 | -2.3% |
| Consumer Portfolio Segment · Automobile Loan | 1,416 | 1,523 | -7.0% |
| Consumer Portfolio Segment · Automobile Loan | 1,393 | 1,502 | -7.3% |
| Consumer Portfolio Segment · Automobile Loan | 16 | 13 | +23.1% |
| Consumer Portfolio Segment · Automobile Loan | 4 | 4 | 0.0% |
| Consumer Portfolio Segment · Automobile Loan | 3 | 4 | -25.0% |
| Consumer Portfolio Segment · Other consumer | 1,056 | 986 | +7.1% |
| Consumer Portfolio Segment · Other consumer | 1,045 | 975 | +7.2% |
| Consumer Portfolio Segment · Other consumer | 6 | 5 | +20.0% |
| Consumer Portfolio Segment · Other consumer | 2 | 3 | -33.3% |
| Consumer Portfolio Segment · Other consumer | 3 | 3 | 0.0% |
| Consumer Portfolio Segment · Residential Mortgage | 21,861 | 22,768 | -4.0% |
| Consumer Portfolio Segment · Residential Mortgage | 21,517 | 22,452 | -4.2% |
| Consumer Portfolio Segment · Residential Mortgage | 179 | 182 | -1.6% |
| Consumer Portfolio Segment · Residential Mortgage | 54 | 38 | +42.1% |
| Consumer Portfolio Segment · Residential Mortgage | 111 | 96 | +15.6% |
| Consumer Portfolio Segment · Revolving mortgage | 2,863 | 2,567 | +11.5% |
| Consumer Portfolio Segment · Revolving mortgage | 2,811 | 2,528 | +11.2% |
| Consumer Portfolio Segment · Revolving mortgage | 29 | 22 | +31.8% |
| Consumer Portfolio Segment · Revolving mortgage | 6 | 6 | 0.0% |
| Consumer Portfolio Segment · Revolving mortgage | 17 | 11 | +54.5% |
| Financing Receivable Allowance For Credit Loss Excluding Accrued Interest (Q) | — | — | — |
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| Financing Receivable Allowance For Credit Loss Excluding Accrued Interest | -1,566 | -1,676 | +6.6% |
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| Commercial Portfolio Segment | -1,436 | -1,518 | +5.4% |
| Consumer Portfolio Segment | -130 | -158 | +17.7% |
| Financing Receivable Excluding Accrued Interest After Allowance For Credit Loss (Q) | — | — | — |
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| Financing Receivable Excluding Accrued Interest After Allowance For Credit Loss | 146,364 | 138,545 | +5.6% |
| Property Subject To Or Available For Operating Lease Net (Q) | — | — | — |
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| Commercial Bank · Operating Segments | 739 | 750 | -1.5% |
| Rail · Operating Segments | 8,882 | 8,573 | +3.6% |
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| Property Subject To Or Available For Operating Lease Net | 9,621 | 9,323 | +3.2% |
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| Off-lease rail equipment | 258 | 219 | +17.8% |
| Property Plant And Equipment Other Types | 739 | 750 | -1.5% |
| Railcars and locomotives | 8,882 | 8,573 | +3.6% |
| Property Plant And Equipment And Finance Lease Right Of Use Asset After Accumulated Depreciation And Amortization (Q) | — | — | — |
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| Property Plant And Equipment And Finance Lease Right Of Use Asset After Accumulated Depreciation And Amortization | 2,447 | 2,006 | +22.0% |
| Intangible Assets Net Excluding Goodwill (Q) | — | — | — |
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| Intangible Assets Net Excluding Goodwill | 195 | 249 | -21.7% |
| Other Assets (Q) | — | — | — |
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| Other Assets | 7,523 | 6,740 | +11.6% |
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| Parent | 81 | 75 | +8.0% |
| Non-Current Liabilities | |||
| Long-Term Debt (Q) | — | — | — |
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| Long-Term Debt | 35,784 | 36,684 | -2.5% |
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| Parent | 1,839 | 350 | +425.4% |
| Total Liabilities (Q) | — | — | — |
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| Total Liabilities | 207,460 | 201,492 | +3.0% |
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| Parent | 1,988 | 486 | +309.1% |
| Variable Interest Entity Not Primary Beneficiary · Commitments to tax credit investments | 1,321 | 1,214 | +8.8% |
| Other Liabilities | |||
| Noninterest Bearing Deposit Liabilities (Q) | — | — | — |
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| Noninterest Bearing Deposit Liabilities | 40,653 | 38,633 | +5.2% |
| Interest Bearing Deposit Liabilities (Q) | — | — | — |
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| Interest Bearing Deposit Liabilities | 120,925 | 116,596 | +3.7% |
| Deposits (Q) | — | — | — |
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| Commercial Bank · Operating Segments | 41,532 | 40,026 | +3.8% |
| General Bank · Operating Segments | 74,796 | 72,956 | +2.5% |
| Rail · Operating Segments | 2 | 18 | -88.9% |
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| Deposits | 161,578 | 155,229 | +4.1% |
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| Corporate Non Segment | 45,248 | 42,229 | +7.1% |
| Liabilities Credit Balances Of Factoring Clients (Q) | — | — | — |
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| Liabilities Credit Balances Of Factoring Clients | 1,148 | 1,016 | +13.0% |
| Short Term Borrowings (Q) | — | — | — |
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| Short Term Borrowings | 224 | 367 | -39.0% |
| Debt Longterm And Shortterm Combined Amount (Q) | — | — | — |
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| Debt Longterm And Shortterm Combined Amount | 36,008 | 37,051 | -2.8% |
| Other Liabilities (Q) | — | — | — |
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| Other Liabilities | 8,726 | 8,196 | +6.5% |
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| Parent | 149 | 92 | +62.0% |
| Stockholders' Equity | |||
| Preferred Stock Value (Q) | — | — | — |
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| Preferred Stock Value | 1,375 | 881 | +56.1% |
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| Series A Preferred Stock | 340 | — | — |
| Series B Preferred Stock | 334 | — | — |
| Series C Preferred Stock | 207 | — | — |
| Series D Preferred Stock | 494 | — | — |
| Total | 1,375 | — | — |
| Common Stock (Q) | — | — | — |
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| Common Class A | 11 | 13 | -15.4% |
| Common Class B | 1 | 1 | 0.0% |
| Retained Earnings (Q) | — | — | — |
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| Retained Earnings | 20,768 | 19,361 | +7.3% |
| Accumulated Other Comprehensive Income (Q) | — | — | — |
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| Defined benefit pension items | 210 | 135 | +55.6% |
| Unrealized gain on cash flow hedge derivatives | 14 | 8 | +75.0% |
| Unrealized loss on securities available for sale | -137 | -584 | +76.5% |
| Unrealized loss on securities available for sale transferred to held to maturity | -4 | -4 | 0.0% |
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| Accumulated Other Comprehensive Income | 83 | -445 | +118.7% |
| Total Stockholders' Equity (Q) | — | — | — |
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| Accumulated Defined Benefit Plans Adjustment | 210 | 135 | +55.6% |
| Accumulated Gain Loss Net Cash Flow Hedge Parent | 14 | 8 | +75.0% |
| Accumulated Other Comprehensive Income | 83 | -445 | +118.7% |
| Common Stock · Common Class A | 11 | 13 | -15.4% |
| Common Stock · Common Class B | 1 | 1 | 0.0% |
| Preferred Stock | 1,375 | 881 | +56.1% |
| Retained Earnings | 20,768 | 19,361 | +7.3% |
| Unrealized loss on securities available for sale | -137 | -584 | +76.5% |
| Unrealized loss on securities available for sale transferred to held to maturity | -4 | -4 | 0.0% |
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| Total Stockholders' Equity | 22,238 | 22,228 | 0.0% |
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| Parent | 22,238 | 22,228 | 0.0% |
| Total Liabilities & Equity (Q) | — | — | — |
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| Total Liabilities & Equity | 229,698 | 223,720 | +2.7% |
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| Parent | 24,226 | 22,714 | +6.7% |
Cash Flow Statement
| Metric | FY 2025 | FY 2024 | YoY |
|---|---|---|---|
| Operating Activities | |||
| Provision For Loan Lease And Other Losses (FY) | — | — | — |
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| Provision For Loan Lease And Other Losses | 514 | 431 | +19.3% |
| Deferred Income Taxes (FY) | — | — | — |
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| Deferred Income Taxes | -111 | 6 | -1950.0% |
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| Parent | 16 | 2 | +700.0% |
| Depreciation Amortization And Accretion Net (FY) | — | — | — |
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| Depreciation Amortization And Accretion Net | 405 | 130 | +211.5% |
| Gain Loss On Sales Of Loans Net (FY) | — | — | — |
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| Gain Loss On Sales Of Loans Net | -21 | -7 | -200.0% |
| Gain On Sales Of Operating Lease Equipment Net (FY) | — | — | — |
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| Gain On Sales Of Operating Lease Equipment Net | -30 | -30 | 0.0% |
| Gains Losses On Sales Of Other Real Estate (FY) | — | — | — |
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| Gains Losses On Sales Of Other Real Estate | -2 | -7 | +71.4% |
| Increase Decrease In Assets Held For Sale (FY) | — | — | — |
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| Increase Decrease In Assets Held For Sale | -1,401 | -1,078 | -30.0% |
| Proceeds From Sale Of Loans Held For Sale (FY) | — | — | — |
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| Proceeds From Sale Of Loans Held For Sale | 1,553 | 1,289 | +20.5% |
| Impairment Of Premises And Equipment And Other Assets (FY) | — | — | — |
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| Impairment Of Premises And Equipment And Other Assets | 6 | 22 | -72.7% |
| Increase Decrease In Other Operating Assets (FY) | — | — | — |
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| Increase Decrease In Other Operating Assets | -282 | -495 | +43.0% |
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| Parent | -13 | -15 | +13.3% |
| Increase Decrease In Other Operating Liabilities (FY) | — | — | — |
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| Increase Decrease In Other Operating Liabilities | 170 | -34 | +600.0% |
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| Parent | 18 | -5 | +460.0% |
| Other Operating Activities Cash Flow Statement (FY) | — | — | — |
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| Other Operating Activities Cash Flow Statement | -68 | 1 | -6900.0% |
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| Parent | 2 | 3 | -33.3% |
| Net Cash from Operations (FY) | — | — | — |
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| Net Cash from Operations | 2,923 | 2,988 | -2.2% |
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| Parent | 1,567 | 2,157 | -27.4% |
| Depreciation & Amortization (FY) | — | — | — |
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| Depreciation & Amortization | 314 | 276 | +13.8% |
| Investing Activities | |||
| Proceeds From Payments For In Interest Bearing Deposits In Banks (FY) | — | — | — |
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| Proceeds From Payments For In Interest Bearing Deposits In Banks | 1,563 | 12,245 | -87.2% |
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| Parent | -3 | 4 | -175.0% |
| Payments To Acquire Marketable Securities (FY) | — | — | — |
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| Payments To Acquire Marketable Securities | -5 | -6 | +16.7% |
| Proceeds From Sale Of Equity Securities Fv Ni (FY) | — | — | — |
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| Proceeds From Sale Of Equity Securities Fv Ni | 1 | 15 | -93.3% |
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| Parent | 1 | 15 | -93.3% |
| Purchases of Investments (FY) | — | — | — |
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| Purchases of Investments | -13,969 | -22,490 | +37.9% |
| Proceeds From Maturities Prepayments And Calls Of Available For Sale Securities (FY) | — | — | — |
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| Proceeds From Maturities Prepayments And Calls Of Available For Sale Securities | 12,989 | 7,445 | +74.5% |
| Proceeds From Sale Of Available For Sale Securities Debt (FY) | — | — | — |
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| Proceeds From Sale Of Available For Sale Securities Debt | 3,817 | 1,493 | +155.7% |
| Payments To Acquire Held To Maturity Securities (FY) | — | — | — |
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| Payments To Acquire Held To Maturity Securities | -389 | -792 | +50.9% |
| Proceeds From Maturities Prepayments And Calls Of Held To Maturity Securities (FY) | — | — | — |
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| Proceeds From Maturities Prepayments And Calls Of Held To Maturity Securities | 1,010 | 562 | +79.7% |
| Proceeds From Payments For Securities Purchased Under Agreements To Resell (FY) | — | — | — |
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| Proceeds From Payments For Securities Purchased Under Agreements To Resell | -74 | 315 | -123.5% |
| Payments For Proceeds From Loans And Leases (FY) | — | — | — |
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| Payments For Proceeds From Loans And Leases | -9,111 | -7,484 | -21.7% |
| Proceeds From Sale Of Loans Receivable (FY) | — | — | — |
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| Proceeds From Sale Of Loans Receivable | 399 | 354 | +12.7% |
| Increase Decrease In Liabilities Credit Balances Of Factoring Clients (FY) | — | — | — |
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| Increase Decrease In Liabilities Credit Balances Of Factoring Clients | 212 | -73 | +390.4% |
| Payments To Acquire Equipment On Lease (FY) | — | — | — |
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| Payments To Acquire Equipment On Lease | -852 | -1,106 | +23.0% |
| Proceeds From Sales Of Operating Lease Equipment (FY) | — | — | — |
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| Proceeds From Sales Of Operating Lease Equipment | 285 | 250 | +14.0% |
| Capital Expenditures (FY) | — | — | — |
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| Capital Expenditures | -710 | -429 | -65.5% |
| Proceeds From Sale Of Other Real Estate Owned (FY) | — | — | — |
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| Proceeds From Sale Of Other Real Estate Owned | 29 | 19 | +52.6% |
| Other Investing Activities (FY) | — | — | — |
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| Other Investing Activities | -806 | -473 | -70.4% |
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| Parent | -359 | -23 | -1460.9% |
| Net Cash from Investing (FY) | — | — | — |
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| Net Cash from Investing | -5,611 | -10,155 | +44.7% |
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| Parent | -161 | -210 | +23.3% |
| Transfer To Other Real Estate (FY) | — | — | — |
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| Transfer To Other Real Estate | 86 | — | — |
| Transfer Of Assets From Held For Investment To Held For Sale (FY) | — | — | — |
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| Transfer Of Assets From Held For Investment To Held For Sale | 1,296 | 606 | +113.9% |
| Transfer Of Assets From Held For Sale To Held For Investment (FY) | — | — | — |
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| Transfer Of Assets From Held For Sale To Held For Investment | 31 | — | — |
| Commitments Extended On Affordable Housing Investment Credits (FY) | — | — | — |
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| Commitments Extended On Affordable Housing Investment Credits | 648 | 710 | -8.7% |
| Financing Activities | |||
| Increase Decrease In Time Deposits (FY) | — | — | — |
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| Increase Decrease In Time Deposits | -2,015 | -3,169 | +36.4% |
| Increase Decrease In Demand Deposits And Other Interest Bearing Deposits (FY) | — | — | — |
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| Increase Decrease In Demand Deposits And Other Interest Bearing Deposits | 8,539 | 12,630 | -32.4% |
| Proceeds From Payments For In Securities Sold Under Agreements To Repurchase (FY) | — | — | — |
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| Proceeds From Payments For In Securities Sold Under Agreements To Repurchase | -143 | -118 | -21.2% |
| Repayments Of Long Term Debt (FY) | — | — | — |
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| Repayments Of Long Term Debt | -2,850 | -450 | -533.3% |
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| Parent | -350 | -17 | -1958.8% |
| Proceeds From Issuance Of Long Term Debt (FY) | — | — | — |
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| Proceeds From Issuance Of Long Term Debt | 1,838 | — | — |
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| Parent | 1,838 | — | — |
| Proceeds From Issuance Of Preferred Stock And Preference Stock (FY) | — | — | — |
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| Proceeds From Issuance Of Preferred Stock And Preference Stock | 494 | — | — |
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| Parent | 494 | — | — |
| Share Repurchases (FY) | — | — | — |
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| Share Repurchases | -3,027 | -1,648 | -83.7% |
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| Parent | -3,027 | -1,648 | -83.7% |
| Payments Of Dividends (FY) | — | — | — |
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| Payments Of Dividends | -161 | -158 | -1.9% |
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| Parent | -161 | -158 | -1.9% |
| Net Cash from Financing (FY) | — | — | — |
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| Net Cash from Financing | 2,675 | 7,073 | -62.2% |
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| Parent | -1,250 | -1,837 | +32.0% |
| Supplemental | |||
| Interest Paid (FY) | — | — | — |
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| Interest Paid | 4,810 | 5,079 | -5.3% |
| Income Taxes Paid (FY) | — | — | — |
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| Income Taxes Paid | 315 | 763 | -58.7% |
| Other Cash Flow | |||
| Net Change in Cash (FY) | — | — | — |
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| Net Change in Cash | -13 | -94 | +86.2% |
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| Parent | 156 | 110 | +41.8% |
| Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents (Q) | — | — | — |
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| Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents | 801 | 814 | -1.6% |
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| Parent | 466 | 310 | +50.3% |
Values in millions USD. Source: SEC EDGAR 10-K filing.