Company Quick10K Filing
First Citizens Bancshares
Closing Price ($) Shares Out (MM) Market Cap ($MM)
$0.00 11 $4,982
10-Q 2019-11-05 Quarter: 2019-09-30
10-Q 2019-08-06 Quarter: 2019-06-30
10-Q 2019-05-08 Quarter: 2019-03-31
10-K 2019-02-20 Annual: 2018-12-31
10-Q 2018-11-01 Quarter: 2018-09-30
10-Q 2018-08-02 Quarter: 2018-06-30
10-Q 2018-05-03 Quarter: 2018-03-31
10-K 2018-02-21 Annual: 2017-12-31
10-Q 2017-11-02 Quarter: 2017-09-30
10-Q 2017-08-03 Quarter: 2017-06-30
10-Q 2017-05-04 Quarter: 2017-03-31
10-K 2017-02-22 Annual: 2016-12-31
10-Q 2016-10-31 Quarter: 2016-09-30
10-Q 2016-08-04 Quarter: 2016-06-30
10-Q 2016-05-05 Quarter: 2016-03-31
10-K 2016-02-24 Annual: 2015-12-31
10-Q 2015-11-04 Quarter: 2015-09-30
10-Q 2015-08-05 Quarter: 2015-06-30
10-Q 2015-05-07 Quarter: 2015-03-31
10-K 2015-02-25 Annual: 2014-12-31
10-Q 2014-11-05 Quarter: 2014-09-30
10-Q 2014-08-08 Quarter: 2014-06-30
10-Q 2014-05-07 Quarter: 2014-03-31
10-K 2014-02-26 Annual: 2013-12-31
10-Q 2013-11-07 Quarter: 2013-09-30
10-Q 2013-08-07 Quarter: 2013-06-30
10-Q 2013-05-09 Quarter: 2013-03-31
10-K 2013-03-01 Annual: 2012-12-31
10-Q 2012-11-09 Quarter: 2012-09-30
10-Q 2012-08-09 Quarter: 2012-06-30
10-Q 2012-05-10 Quarter: 2012-03-31
10-K 2012-03-07 Annual: 2011-12-31
10-Q 2011-11-09 Quarter: 2011-09-30
10-Q 2011-08-09 Quarter: 2011-06-30
10-Q 2011-05-10 Quarter: 2011-03-31
10-K 2011-03-01 Annual: 2010-12-31
10-Q 2010-11-08 Quarter: 2010-09-30
10-Q 2010-08-06 Quarter: 2010-06-30
10-Q 2010-05-10 Quarter: 2010-03-31
10-K 2010-03-01 Annual: 2009-12-31
8-K 2019-12-31 Other Events, Exhibits
8-K 2019-12-20 Other Events, Exhibits
8-K 2019-12-19 Other Events, Exhibits
8-K 2019-12-16 Other Events, Exhibits
8-K 2019-12-02 Other Events
8-K 2019-10-30 Earnings, Officers, Regulation FD, Exhibits
8-K 2019-10-15 Officers
8-K 2019-09-24 Other Events, Exhibits
8-K 2019-09-18 Other Events
8-K 2019-08-01 Other Events, Exhibits
8-K 2019-07-30 Earnings, Regulation FD, Exhibits
8-K 2019-05-01 Other Events, Exhibits
8-K 2019-05-01 Shareholder Vote
8-K 2019-04-30 Earnings, Regulation FD, Exhibits
8-K 2019-04-24 Other Events, Exhibits
8-K 2019-04-24 Enter Agreement, Regulation FD, Exhibits
8-K 2019-04-02 Other Events, Exhibits
8-K 2019-01-30 Earnings, Regulation FD, Exhibits
8-K 2019-01-18 Other Events, Exhibits
8-K 2019-01-11 Other Events, Exhibits
8-K 2018-11-15 Other Events, Exhibits
8-K 2018-11-01 Other Events, Exhibits
8-K 2018-10-29 Other Events, Exhibits
8-K 2018-10-24 Earnings, Regulation FD, Exhibits
8-K 2018-10-23 Officers
8-K 2018-10-01 Other Events, Exhibits
8-K 2018-09-06 Other Events, Exhibits
8-K 2018-08-29 Other Events
8-K 2018-07-26 Earnings, Regulation FD, Exhibits
8-K 2018-07-25 Other Events, Exhibits
8-K 2018-06-27 Other Events, Exhibits
8-K 2018-04-30 Other Events, Exhibits
8-K 2018-04-25 Earnings, Regulation FD, Exhibits
8-K 2018-04-24 Shareholder Vote
8-K 2018-03-27 Other Events, Exhibits
8-K 2018-01-31 Earnings, Regulation FD, Exhibits
FCNCA 2019-09-30
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 fcncaexhibit31109302019.htm
EX-31.2 fcncaexhibit31209302019.htm
EX-32.1 fcncaexhibit32109302019.htm
EX-32.2 fcncaexhibit32209302019.htm

First Citizens Bancshares Earnings 2019-09-30

FCNCA 10Q Quarterly Report

Balance SheetIncome StatementCash Flow

Comparables ($MM TTM)
Ticker M Cap Assets Liab Rev G Profit Net Inc EBITDA EV G Margin EV/EBITDA ROA
BOKF 5,592 41,893 37,175 0 0 474 950 4,256 4.5 1%
SNV 5,390 47,318 42,564 112 0 490 982 6,545 0% 6.7 1%
BPOP 5,130 50,617 44,897 0 0 586 1,155 4,731 4.1 1%
FCNCA 4,982 37,655 34,080 87 0 438 498 4,716 0% 9.5 1%
CIT 4,942 50,558 44,642 0 0 480 1,525 9,596 6.3 1%
OZK 4,754 19,152 16,276 0 0 308 585 3,825 6.5 2%
FHN 4,674 42,172 37,246 1,935 0 590 1,166 4,674 0% 4.0 1%
PB 4,580 22,375 18,247 0 0 331 535 4,278 8.0 1%
PACW 4,529 26,344 21,492 1,040 0 472 822 5,834 0% 7.1 2%
WAL 4,495 25,315 22,464 0 0 484 740 3,428 4.6 2%

Document
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Table of Contents

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 September 30, 2019
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 /DE/
(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

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—9,732,720 shares
Class B Common Stock—1,005,185 shares
(Number of shares outstanding, by class, as of October 31, 2019)


Table of Contents

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

Table of Contents

PART I 
Item 1.
Financial Statements


First Citizens BancShares, Inc. and Subsidiaries
Consolidated Balance Sheets

(Dollars in thousands, unaudited)
September 30, 2019
 
December 31, 2018
Assets
 
 
 
Cash and due from banks
$
288,933

 
$
327,440

Overnight investments
949,899

 
797,406

Investment in marketable equity securities (cost of $87,588 at September 30, 2019 and $73,809 at December 31, 2018)
116,854

 
92,599

Investment securities available for sale (cost of $4,898,771 at September 30, 2019 and $4,607,117 at December 31, 2018)
4,904,883

 
4,557,110

Investment securities held to maturity (fair value of $2,217,800 at September 30, 2019 and $2,201,502 at December 31, 2018)
2,145,943

 
2,184,653

Loans held for sale
83,256

 
45,505

Loans and leases
27,196,511

 
25,523,276

Allowance for loan and lease losses
(226,825
)
 
(223,712
)
Net loans and leases
26,969,686

 
25,299,564

Premises and equipment
1,222,659

 
1,204,179

Other real estate owned
46,253

 
48,030

Income earned not collected
117,123

 
109,903

Goodwill
296,764

 
236,347

Other intangible assets
65,147

 
72,298

Other assets
540,924

 
433,595

Total assets
$
37,748,324

 
$
35,408,629

Liabilities
 
 
 
Deposits:
 
 
 
Noninterest-bearing
$
12,966,890

 
$
11,882,670

Interest-bearing
19,776,387

 
18,789,790

Total deposits
32,743,277

 
30,672,460

Securities sold under customer repurchase agreements
522,195

 
543,936

Federal Home Loan Bank borrowings
192,672

 
193,556

Subordinated debentures
149,051

 
140,741

Other borrowings
112,153

 
13,921

FDIC shared-loss payable
110,586

 
105,618

Other liabilities
349,908

 
249,443

Total liabilities
34,179,842

 
31,919,675

Shareholders’ equity
 
 
 
Common stock:
 
 
 
Class A - $1 par value (16,000,000 shares authorized; 9,878,820 and 10,623,220 shares issued and outstanding at September 30, 2019 and December 31, 2018 respectively)
9,879

 
10,623

Class B - $1 par value (2,000,000 shares authorized; 1,005,185 shares issued and outstanding at September 30, 2019 and December 31, 2018 respectively)
1,005

 
1,005

Preferred stock - $0.01 par value (10,000,000 shares authorized; no shares issued and outstanding at September 30, 2019 and December 31, 2018)

 

Surplus
168,790

 
493,962

Retained earnings
3,560,580

 
3,218,551

Accumulated other comprehensive loss
(171,772
)
 
(235,187
)
Total shareholders’ equity
3,568,482

 
3,488,954

Total liabilities and shareholders’ equity
$
37,748,324

 
$
35,408,629


See accompanying Notes to Consolidated Financial Statements.

3

Table of Contents

First Citizens BancShares, Inc. and Subsidiaries
Consolidated Statements of Income
 
 
Three months ended September 30
 
Nine months ended September 30
(Dollars in thousands, except per share data, unaudited)
2019
 
2018
 
2019
 
2018
Interest income
 
 
 
 
 
 
 
Loans and leases
$
315,012

 
$
272,215

 
$
909,167

 
$
785,283

Investment securities interest and dividend income
40,155

 
38,770

 
119,976

 
110,969

Overnight investments
7,151

 
4,721

 
20,820

 
15,932

Total interest income
362,318

 
315,706

 
1,049,963

 
912,184

Interest expense
 
 
 
 
 
 
 
Deposits
21,737

 
5,147

 
53,821

 
13,424

Securities sold under customer repurchase agreements
542

 
398

 
1,516

 
1,175

Federal Home Loan Bank borrowings
1,316

 
1,099

 
4,187

 
4,335

Subordinated debentures
1,774

 
1,561

 
5,398

 
4,655

Other borrowings
524

 
139

 
796

 
577

Total interest expense
25,893

 
8,344

 
65,718

 
24,166

Net interest income
336,425

 
307,362

 
984,245

 
888,018

Provision for loan and lease losses
6,766

 
840

 
23,714

 
16,883

Net interest income after provision for loan and lease losses
329,659

 
306,522

 
960,531

 
871,135

Noninterest income
 
 
 
 
 
 
 
Cardholder services, net
15,957

 
14,678

 
51,069

 
44,385

Merchant services, net
6,034

 
5,857

 
18,324

 
18,512

Service charges on deposit accounts
27,112

 
25,994

 
77,967

 
78,489

Wealth management services
25,212

 
24,459

 
74,786

 
73,543

Realized gains on investment securities available for sale, net
1,136

 

 
6,855

 

Marketable equity securities (losses) gains, net
(967
)
 
3,854

 
13,505

 
9,265

Other service charges and fees
8,237

 
7,651

 
23,823

 
22,887

Mortgage income
7,438

 
4,123

 
16,134

 
13,063

Insurance commissions
2,960

 
2,755

 
9,105

 
9,471

ATM income
1,635

 
1,919

 
4,771

 
6,307

Gain on extinguishment of debt

 
703

 

 
26,517

Other
6,176

 
2,538

 
15,129

 
15,703

Total noninterest income
100,930

 
94,531

 
311,468

 
318,142

Noninterest expense
 
 
 
 
 
 
 
Salaries and wages
137,841

 
133,867

 
406,788

 
392,911

Employee benefits
28,358

 
28,850

 
91,090

 
90,656

Occupancy expense
28,163

 
26,632

 
82,810

 
80,686

Equipment expense
28,770

 
25,880

 
83,999

 
76,021

Processing fees paid to third parties
7,250

 
7,297

 
20,980

 
23,383

FDIC insurance expense
2,440

 
5,186

 
7,857

 
16,411

Collection and foreclosure-related expenses
3,044

 
4,269

 
9,725

 
12,389

Merger-related expenses
3,892

 
1,126

 
9,695

 
4,136

Other
30,667

 
34,430

 
98,535

 
105,000

Total noninterest expense
270,425

 
267,537

 
811,479

 
801,593

Income before income taxes
160,164

 
133,516

 
460,520

 
387,684

Income taxes
35,385

 
16,198

 
105,023

 
76,844

Net income
$
124,779

 
$
117,318

 
$
355,497

 
$
310,840

Weighted average shares outstanding
11,060,462

 
11,971,460

 
11,286,984

 
11,997,281

Net income per share
$
11.27

 
$
9.80

 
$
31.50

 
$
25.91


See accompanying Notes to Consolidated Financial Statements.

4

Table of Contents

First Citizens BancShares, Inc. and Subsidiaries
Consolidated Statements of Comprehensive Income

 
Three months ended September 30
 
Nine months ended September 30
(Dollars in thousands, unaudited)
2019
 
2018
 
2019
 
2018
Net income
$
124,779

 
$
117,318

 
$
355,497

 
$
310,840

Other comprehensive income (loss)
 
 
 
 
 
 
 
Unrealized gains (losses) on securities available for sale:
 
 
 
 
 
 
 
Unrealized gains (losses) on securities available for sale arising during the period
3,932

 
(13,810
)
 
62,974

 
(9,656
)
Tax effect
(906
)
 
3,175

 
(14,485
)
 
2,221

Reclassification adjustment for realized gains on securities available for sale included in income before income taxes
(1,136
)
 

 
(6,855
)
 

Tax effect
262

 

 
1,577

 

Net unrealized gains (losses) on securities available for sale arising during the period
2,152

 
(10,635
)
 
43,211

 
(7,435
)
Unrealized losses on securities available for sale transferred to held to maturity:
 
 
 
 
 
 
 
Unrealized losses on securities available for sale transferred to held to maturity

 

 

 
(109,507
)
Tax effect

 

 

 
25,186

Reclassification adjustment for accretion of unrealized losses on securities available for sale transferred to held to maturity
6,095

 
6,502

 
18,004

 
10,975

Tax effect
(1,402
)
 
(1,495
)
 
(4,141
)
 
(2,523
)
Total change in unrealized losses on securities available for sale transferred to held to maturity, net of tax
4,693

 
5,007

 
13,863

 
(75,869
)
Change in pension obligation:
 
 
 
 
 
 
 
Amortization of actuarial losses and prior service cost
2,745

 
3,495

 
8,235

 
10,486

Tax effect
(631
)
 
(804
)
 
(1,894
)
 
(2,412
)
Total change in pension obligation, net of tax
2,114

 
2,691

 
6,341

 
8,074

Other comprehensive income (loss)
8,959

 
(2,937
)
 
63,415

 
(75,230
)
Total comprehensive income
$
133,738