Company Quick10K Filing
First Citizens Bancshares
Price473.00 EPS31
Shares11 P/E15
MCap5,339 P/FCF24
Net Debt-177 EBIT421
TEV5,162 TEV/EBIT12
TTM 2019-09-30, in MM, except price, ratios
10-Q 2020-03-31 Filed 2020-05-05
10-K 2019-12-31 Filed 2020-02-26
10-Q 2019-09-30 Filed 2019-11-05
10-Q 2019-06-30 Filed 2019-08-06
10-Q 2019-03-31 Filed 2019-05-08
10-K 2018-12-31 Filed 2019-02-20
10-Q 2018-09-30 Filed 2018-11-01
10-Q 2018-06-30 Filed 2018-08-02
10-Q 2018-03-31 Filed 2018-05-03
10-K 2017-12-31 Filed 2018-02-21
10-Q 2017-09-30 Filed 2017-11-02
10-Q 2017-06-30 Filed 2017-08-03
10-Q 2017-03-31 Filed 2017-05-04
10-K 2016-12-31 Filed 2017-02-22
10-Q 2016-09-30 Filed 2016-10-31
10-Q 2016-06-30 Filed 2016-08-04
10-Q 2016-03-31 Filed 2016-05-05
10-K 2015-12-31 Filed 2016-02-24
10-Q 2015-09-30 Filed 2015-11-04
10-Q 2015-06-30 Filed 2015-08-05
10-Q 2015-03-31 Filed 2015-05-07
10-K 2014-12-31 Filed 2015-02-25
10-Q 2014-09-30 Filed 2014-11-05
10-Q 2014-06-30 Filed 2014-08-08
10-Q 2014-03-31 Filed 2014-05-07
10-K 2013-12-31 Filed 2014-02-26
10-Q 2013-09-30 Filed 2013-11-07
10-Q 2013-06-30 Filed 2013-08-07
10-Q 2013-03-31 Filed 2013-05-09
10-K 2012-12-31 Filed 2013-03-01
10-Q 2012-09-30 Filed 2012-11-09
10-Q 2012-06-30 Filed 2012-08-09
10-Q 2012-03-31 Filed 2012-05-10
10-K 2011-12-31 Filed 2012-03-07
10-Q 2011-09-30 Filed 2011-11-09
10-Q 2011-06-30 Filed 2011-08-09
10-Q 2011-03-31 Filed 2011-05-10
10-K 2010-12-31 Filed 2011-03-01
10-Q 2010-09-30 Filed 2010-11-08
10-Q 2010-06-30 Filed 2010-08-06
10-Q 2010-03-31 Filed 2010-05-10
10-K 2009-12-31 Filed 2010-03-01
8-K 2020-07-28 Earnings, Regulation FD, Exhibits
8-K 2020-06-10
8-K 2020-04-28
8-K 2020-04-28
8-K 2020-04-17
8-K 2020-03-11
8-K 2020-03-05
8-K 2020-02-27
8-K 2020-02-01
8-K 2020-01-28
8-K 2020-01-28
8-K 2019-12-31
8-K 2019-12-20
8-K 2019-12-19
8-K 2019-12-16
8-K 2019-12-02
8-K 2019-10-30
8-K 2019-10-15
8-K 2019-09-24
8-K 2019-09-18
8-K 2019-08-01
8-K 2019-07-30
8-K 2019-05-01
8-K 2019-05-01
8-K 2019-04-30
8-K 2019-04-24
8-K 2019-04-24
8-K 2019-04-02
8-K 2019-01-30
8-K 2019-01-18
8-K 2019-01-11
8-K 2018-11-15
8-K 2018-11-01
8-K 2018-10-29
8-K 2018-10-24
8-K 2018-10-23
8-K 2018-10-01
8-K 2018-09-06
8-K 2018-08-29
8-K 2018-07-26
8-K 2018-07-25
8-K 2018-06-27
8-K 2018-04-30
8-K 2018-04-25
8-K 2018-04-24
8-K 2018-03-27
8-K 2018-01-31

FCNCA 10Q Quarterly Report

Part I
Item 1. Financial Statements
Item 2. Management's Discussion and Analysis of Financial Condition and Results of Operations
Item 3. Quantitative and Qualitative Disclosures About Market Risk
Item 4. Controls and Procedures
Part II
Item 1. Legal Proceedings
Item 1A. Risk Factors
Item 2. Unregistered Sales of Equity Securities and Use of Proceeds
Item 6. Exhibits
EX-31.1 fcncaexhibit31103312020.htm
EX-31.2 fcncaexhibit31203312020.htm
EX-32.1 fcncaexhibit32103312020.htm
EX-32.2 fcncaexhibit32203312020.htm

First Citizens Bancshares Earnings 2020-03-31

Balance SheetIncome StatementCash Flow
40322416802012201420172020
Assets, Equity
0.20.20.10.10.00.02017201720182019
Rev, G Profit, Net Income
0.90.50.1-0.2-0.6-1.02012201420172020
Ops, Inv, Fin

Document
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UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
____________________________________________________
FORM 10-Q
____________________________________________________
Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934
For the quarterly period ended March 31, 2020
or
  Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934
Commission File Number: 001-16715
____________________________________________________
First Citizens BancShares, Inc.
(Exact name of Registrant as specified in its charter)
____________________________________________________
Delaware
56-1528994
(State or other jurisdiction of
incorporation or organization)
(I.R.S. Employer
Identification Number)
 
 
 
 
4300 Six Forks Road
Raleigh
North Carolina
27609
(Address of principle executive offices)
(Zip code)
 
 
 
 
 
 
(919)
716-7000
(Registrant’s telephone number, including area code)
____________________________________________________
Securities Registered Pursuant to Section 12(b) of the Securities Exchange Act of 1934:
Title of each class
Trading Symbol
Name of each exchange on which registered
Class A Common Stock, Par Value $1
FCNCA
Nasdaq Global Select Market
Depositary Shares, Each Representing a 1/40th Interest in a Share of 5.375% Non-Cumulative Perpetual Preferred Stock, Series A
FCNCP
Nasdaq Global Select Market
Securities Registered Pursuant to Section 12(g) of the Securities Exchange Act of 1934.
Class B Common Stock, Par Value $1
(Title of class)
Indicate by check mark whether the Registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding twelve months (or for such shorter period that the Registrant was required to file such reports), and (2) has been subject to such filing requirements for the past ninety days.    Yes     No  
Indicate by check mark whether the Registrant has submitted electronically and posted on its corporate Web site, if any, every Interactive Data File required to be submitted and posted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or such shorter period that the Registrant was required to submit and post such files)    Yes      No  
Indicate by check mark whether the Registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, smaller reporting company, or an emerging growth company. See the definitions of “larger accelerated filer,” “accelerated filer,” “smaller reporting company,” and “emerging growth company” in Rule 12b-2 of the Exchange Act:
Large accelerated filer
 
Accelerated filer
 
Non-accelerated filer
 
Smaller reporting company
 
Emerging growth company
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.
Indicate by check mark whether the Registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).    Yes      No  
Class A Common Stock—9,163,220 shares
Class B Common Stock—1,005,815 shares
(Number of shares outstanding, by class, as of April 30, 2020)



INDEX
 
 
 
Page No.
 
 
 
PART I.
FINANCIAL INFORMATION
 
 
 
 
Item 1.
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Item 2.
 
 
 
Item 3.
 
 
 
Item 4.
 
 
 
PART II.
OTHER INFORMATION
 
 
 
 
Item 1.
 
 
 
Item 1A.
 
 
 
Item 2.
 
 
 
Item 6.

2


PART I 
Item 1.
Financial Statements
First Citizens BancShares, Inc. and Subsidiaries
Consolidated Balance Sheets
(Dollars in thousands, unaudited)
March 31, 2020
 
December 31, 2019
Assets
 
 
 
Cash and due from banks
$
454,220

 
$
376,719

Overnight investments
688,518

 
1,107,844

Investment in marketable equity securities (cost of $344,161 at March 31, 2020 and $59,262 at December 31, 2019)
315,501

 
82,333

Investment securities available for sale (cost of $7,656,464 at March 31, 2020 and $7,052,152 at December 31, 2019)
7,789,034

 
7,059,674

Investment securities held to maturity (fair value of $753,178 at March 31, 2020 and $30,996 at December 31, 2019)
740,662

 
30,996

Loans held for sale
76,347

 
67,869

Loans and leases
29,240,959

 
28,881,496

Allowance for credit losses
(209,259
)
 
(225,141
)
Net loans and leases
29,031,700

 
28,656,355

Premises and equipment
1,251,702

 
1,244,396

Other real estate owned
55,707

 
46,591

Income earned not collected
125,626

 
123,154

Goodwill
350,084

 
349,398

Other intangible assets
63,884

 
68,276

Other assets
651,468

 
610,891

Total assets
$
41,594,453

 
$
39,824,496

Liabilities
 
 
 
Deposits:
 
 
 
Noninterest-bearing
$
13,688,744

 
$
12,926,796

Interest-bearing
21,657,967

 
21,504,440

Total deposits
35,346,711

 
34,431,236

Securities sold under customer repurchase agreements
540,362

 
442,956

Federal Home Loan Bank borrowings
792,684

 
572,185

Subordinated debt
504,145

 
163,412

Other borrowings
105,303

 
148,318

FDIC shared-loss payable
14,737

 
112,395

Other liabilities
332,991

 
367,810

Total liabilities
37,636,933

 
36,238,312

Shareholders’ equity
 
 
 
Common stock:
 
 
 
Class A - $1 par value (16,000,000 shares authorized; 9,274,920 and 9,624,310 shares issued and outstanding at March 31, 2020 and December 31, 2019 respectively)
9,275

 
9,624

Class B - $1 par value (2,000,000 shares authorized; 1,005,185 shares issued and outstanding at March 31, 2020 and December 31, 2019)
1,005

 
1,005

Preferred Stock - $0.01 par value (10,000,000 shares authorized; 345,000 and no shares issued and outstanding at March 31, 2020 and December 31, 2019, respectively)
3

 

Surplus
339,955

 
44,081

Retained earnings
3,632,894

 
3,658,197

Accumulated other comprehensive loss
(25,612
)
 
(126,723
)
Total shareholders’ equity
3,957,520

 
3,586,184

Total liabilities and shareholders’ equity
$
41,594,453

 
$
39,824,496


See accompanying Notes to Unaudited Consolidated Financial Statements.

3


First Citizens BancShares, Inc. and Subsidiaries
Consolidated Statements of Income
 
Three months ended March 31
(Dollars in thousands, except per share data, unaudited)
2020
 
2019
Interest income
 
 
 
Loans and leases
$
325,548

 
$
290,922

Investment securities interest and dividend income
39,493

 
39,605

Overnight investments
4,518

 
6,397

Total interest income
369,559

 
336,924

Interest expense
 
 
 
Deposits
24,194

 
12,926

Securities sold under customer repurchase agreements
442

 
459

Federal Home Loan Bank borrowings
2,984

 
1,285

Subordinated debt
2,755

 
1,672

Other borrowings
784

 
110

Total interest expense
31,159

 
16,452

Net interest income
338,400

 
320,472

Provision for credit losses
28,355

 
11,750

Net interest income after provision for credit losses
310,045

 
308,722

Noninterest income
 
 
 
Service charges on deposit accounts
26,413

 
25,065

Wealth management services
26,412

 
25,001

Cardholder services, net
18,160

 
16,633

Other service charges and fees
7,792

 
7,422

Merchant services, net
5,888

 
5,835

Mortgage income
5,224

 
3,658

Insurance commissions
3,688

 
3,291

ATM income
1,422

 
1,511

Marketable equity securities (losses) gains, net
(51,408
)
 
11,328

Realized gains on investment securities available for sale, net
19,795

 

Other
625

 
3,919

Total noninterest income
64,011

 
103,663

Noninterest expense
 
 
 
Salaries and wages
145,255

 
132,421

Employee benefits
38,511

 
32,535

Occupancy expense
27,480

 
27,761

Equipment expense
27,850

 
26,740

Processing fees paid to third parties
10,372

 
7,089

FDIC insurance expense
3,466

 
2,660

Collection and foreclosure-related expenses
4,054

 
3,022

Merger-related expenses
4,232

 
1,719

Other
38,751

 
33,710

Total noninterest expense
299,971

 
267,657

Income before income taxes
74,085

 
144,728

Income taxes
16,916

 
33,369

Net income
$
57,169

 
$
111,359

Less: Preferred stock dividends

 

Net income available to common shareholders
$
57,169

 
$
111,359

Weighted average common shares outstanding
10,473,119

 
11,519,008

Net income per common share
$
5.46

 
$
9.67


See accompanying Notes to Unaudited Consolidated Financial Statements.

4


First Citizens BancShares, Inc. and Subsidiaries
Consolidated Statements of Comprehensive Income
 
Three months ended March 31
(Dollars in thousands, unaudited)
2020
 
2019
Net income
$
57,169

 
$
111,359

Other comprehensive income
 
 
 
Unrealized gains on securities available for sale:
 
 
 
Unrealized gains on securities available for sale arising during the period
144,843

 
28,071

Tax effect
(33,313
)
 
(6,456
)
Reclassification adjustment for realized gains on securities available for sale included in income before income taxes
(19,795
)
 

Tax effect
4,553

 

Unrealized gains on securities available for sale arising during the period, net of tax
96,288

 
21,615

Unrealized losses on securities available for sale transferred from/to held to maturity:
 
 
 
Reclassification adjustment for accretion of unrealized losses on securities available for sale transferred to held to maturity

 
5,962

Tax effect

 
(1,371
)
Total change in unrealized losses on securities available for sale transferred to held to maturity, net of tax

 
4,591

Change in pension obligation:
 
 
 
Amortization of actuarial losses and prior service cost
6,264

 
2,755

Tax effect
(1,441
)
 
(634
)
Total change in pension obligation, net of tax
4,823

 
2,121

Other comprehensive income
101,111

 
28,327

Total comprehensive income
$
158,280

 
$
139,686



See accompanying Notes to Unaudited Consolidated Financial Statements.


5


First Citizens BancShares, Inc. and Subsidiaries
Consolidated Statements of Changes in Shareholders’ Equity
 
Three months ended March 31
(Dollars in thousands, unaudited)
Class A
Common Stock
 
Class B
Common Stock
 
Preferred Stock
 
Surplus
 
Retained
Earnings
 
Accumulated
Other
Comprehensive
Loss
 
Total
Shareholders’
Equity
Balance at December 31, 2018
$
10,623

 
$
1,005

 
$

 
$
493,962

 
$
3,218,551

 
$
(235,187