Vitals
  • Total Assets
    32.8B 4.6 %
  • Total Deposits
    28.2B 4.5 %
  • Total Net Loans
    21.6B 7.5 %
  • Net Income
    225.8M 5.9 %
  • Book Value
    2.9B 2.0 %
  • Book Value x2
    5.9B 2.0 %
  • Book Value x3
    8.8B 2.0 %
ROAA

.7

ROAE

7.689

Efficiency Ratio

74.056

Net Interest Margin

3.148

Balance Sheet Highlights
Financial Highlights First-Citizens Bank & Trust Company All Insured Commercial Banks in North Carolina
Balance Sheet $(000)
Total Assets 32,814,750 1,412,230
Total Net Loans 21,594,771 1,020,122
Total Deposits 28,183,659 1,134,979
Total Equity 2,932,048 173,608
Profitability
Net Income 225,761 10,887
Return on Average Assets .7 .777
Return on Average Equity 7.689 6.782
Net Interest Margin 3.148 3.73
Efficiency Ratio 74.056 75.532
Noninterest Income/Revenue 32.198 18.66
Balance Sheet Ratios
Loan-to-Deposit 76.622 86.082
Securities/Assets .211 .132
Total Equity/Total Assets .089 .123
Tangible Equity/Tangible Assets .084 .104
Capital Adequacy
Tier 1 Common Capital 2,942,829 139,754
Tier 1 Capital 2,942,829 140,214
Tier 2 Capital 229,928 8,389
Total Capital 3,172,757 148,590
Total Risk Weighted Assets 24,017,122 1,125,721
Leverage Ratio 8.94 10.209
Common Equity Tier 1 Capital Ratio 12.25 13.055
Tier 1 Capital Ratio 12.25 13.195
Total Capital Ratio 13.21 14.232

Timeline for First-Citizens Bank & Trust Company

Bank Of Virginia

Acquisition: First-Citizens Bank & Trust Company acquired a new subsidiary, Bank Of Virginia, 7 years

View Profile Sep 01 2016

Cordia Bancorp, Inc.

Acquisition: First-Citizens Bank & Trust Company acquired a new subsidiary, Cordia Bancorp, Inc. , 7 years

View Profile Sep 01 2016

First Cornerstone Bank

Acquisition: First-Citizens Bank & Trust Company acquired a new subsidiary, First Cornerstone Bank, 7 years

View Profile May 07 2016

North Milwaukee State Bank

Acquisition: First-Citizens Bank & Trust Company acquired a new subsidiary, North Milwaukee State Bank, 8 years

View Profile Mar 12 2016

Capitol City Bank & Trust Company

Acquisition: First-Citizens Bank & Trust Company acquired a new subsidiary, Capitol City Bank & Trust Company, 9 years

View Profile Feb 14 2015

Want to see more?

Complete timeline for First-Citizens Bank & Trust Company is available.

View Complete Timeline
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Bank Of Virginia Seller 353,731 Acquisition Discontinued 9/1/2016
Cordia Bancorp, Inc. Seller Acquisition Discontinued 9/1/2016
First Cornerstone Bank Seller 103,307 Failure 5/7/2016
North Milwaukee State Bank Seller 67,115 Failure 3/12/2016
Capitol City Bank & Trust Company Seller 272,311 Failure 2/14/2015
First Citizens Bank And Trust Company, Inc. Seller 8,346,821 Pooling of Interests Discontinued 1/1/2015
Mountain 1St Bank & Trust Company Seller 643,324 Acquisition Discontinued 1/1/2014
1St Financial Services Corporation Seller Acquisition Discontinued 1/1/2014
Colorado Capital Bank Seller 665,806 Failure 7/9/2011
United Western Bank Seller 2,153,690 Failure 1/22/2011
Ironstone Bank Seller 2,748,725 Pooling of Interests Discontinued 1/8/2011
Sun American Bank Seller 535,724 Failure 3/6/2010
First Regional Bank Seller 2,082,684 Failure 1/30/2010
Venture Bank Seller 968,385 Failure 9/12/2009
Temecula Valley Bank Seller 1,396,622 Failure 7/18/2009
First-Citizens Bank, National Association Seller 204,281 Pooling of Interests Discontinued 6/16/2006
Nantahala, Inc. Seller Pooling of Interests Discontinued 12/31/2004
Pisgah, Inc. Seller Pooling of Interests Discontinued 12/31/2004
Avery County Bank Seller 71,822 Acquisition Discontinued 10/18/2003
Yancey Insurance Agency, Inc. Seller Acquisition Discontinued 1/31/1999
First Citizens Bank & Trust Company Seller 126,549 Acquisition Discontinued 10/16/1998
First Savings Bank Of Rockingham County, Ssb Seller 49,198 Acquisition Discontinued 9/27/1997
First Citizens Processing Services, Inc. Seller Acquisition Discontinued 10/1/1996
Pfs Financial Services, Inc. Seller Pooling of Interests Discontinued 2/14/1996
Peoples Savings Bank, Inc., Ssb Seller 99,651 Acquisition Discontinued 2/14/1996
Summit Savings Bank, Inc., Ssb Seller 163,852 Acquisition Discontinued 2/14/1996
First-Citizens Bank & Trust Company Seller 276,991 Pooling of Interests Discontinued 1/1/1996
First Citizens Mortgage Company Seller Pooling of Interests Discontinued 12/31/1995
State Bank Seller 52,245 Acquisition Discontinued 3/3/1995
First Investors Savings Bank, Inc., Ssb Seller 48,956 Acquisition Discontinued 2/24/1995
First Republic Savings Bank Fsb Seller 55,405 Discontinued 12/9/1994
Edgecomb Homestead Savings Bank, Inc., Ssb Seller 41,106 Discontinued 8/5/1994
The Bank Of Bladenboro Seller 21,792 Discontinued 3/25/1994
First American Federal Savings Bank Seller 337,628 Failure 10/9/1993
Pioneer Savings Bank, Inc. Seller 310,161 Discontinued 9/24/1993
Surety Federal Savings And Loan Association, F.A. Seller 63,463 Failure 8/28/1993
Caldwell Savings Bank, Inc., S.S.B. Seller 53,105 Discontinued 6/19/1993
First Federal Savings Bank Seller 438,475 Discontinued 7/1/1991
Mutual Savings And Loan Association, Inc. Seller 246,074 Discontinued 1/1/1991
Heritage Federal Savings And Loan Association Seller 190,775 Failure 9/22/1990
North Carolina Savings And Loan Association, F.A. Seller 472,470 Failure 9/22/1990
Farmers Bank Of Sunbury Seller 47,942 Discontinued 7/11/1985
First State Bank Seller 51,279 Discontinued 3/28/1985
Farmers Bank Seller 36,221 Discontinued 3/28/1985
Peoples Bank Of North Carolina Seller 45,786 Discontinued 6/29/1983
Commercial & Farmers Bank Seller 29,968 Discontinued 12/15/1981
Commercial & Savings Bank Seller 15,458 Discontinued 12/15/1981
Bank Of Conway Seller 4,036 Discontinued 11/1/1979
The Bank Of Commerce Seller 9,425 Discontinued 10/1/1974
The Bank Of Coleridge Seller 5,985 Discontinued 10/1/1974
The Haynes Bank Seller Discontinued 2/1/1971
Bank Of Gibsonville Seller Discontinued 6/17/1969
Commercial Bank Seller Discontinued 5/26/1967
Western Carolina Bank & Trust Company Seller 22,591 Discontinued 3/19/1963
Lincoln National Bank Of Lincolnton Seller Discontinued 10/22/1962
American Bank Seller Discontinued 4/10/1961
Mid-Carolina Industrial Bank Seller Discontinued 4/3/1961
Relationships Role Relationship Start Relationship End
First Citizens Bancshares, Inc. Parent 12/10/1982
First Citizens Investor Services, Inc. Subsidary 6/30/2007
Community Resource Mortgage, Inc. Subsidary 1/1/2015
Neuse Financial Services, Inc. Subsidary 6/30/2007
Scb Capital Trust I Subsidary 1/1/2015
First Citizens Asset Management, Inc. Subsidary 1/1/2015
Adc Ii Investment Fund, Llc Subsidary 1/1/2013
Wateree Life Insurance Company Subsidary 1/1/2015 3/22/2016
First Citizens Securities Corporation Subsidary 1/1/2015 12/31/2015
Amd Group I Llc Subsidary 1/1/2015 8/10/2015
First-Citizens Home Equity Loan, Llc Subsidary 5/12/2005 11/21/2014
Charter Facilities Funding Iv, Llc Subsidary 1/21/2011 3/31/2014
Charter Facilities Funding 5, Llc Subsidary 1/21/2011 3/31/2014
Matrix Financial Services Corp. Subsidary 1/21/2011 4/30/2013
Matrix Insurance Services Corporation Subsidary 1/21/2011 7/17/2012
Community Development Funding I, Llc Subsidary 1/21/2011 4/30/2012
First Regional Capital Corporation Subsidary 1/30/2010 2/1/2010
Trust Administration Services Corp. Subsidary 1/30/2010 2/1/2010
Ironstone Securities, Inc. Subsidary 6/30/2007 3/31/2009
First Citizens Investor Services, Inc. Subsidary 8/21/2001 6/29/2007
Neuse Financial Services, Inc. Subsidary 7/2/2003 6/29/2007
Ironstone Securities, Inc. Subsidary 8/2/2004 6/29/2007
Triangle Life Insurance Company Subsidary 12/10/1982 1/1/2007
T-Tech, Inc. Subsidary 9/21/2000 12/27/2006
First-Citizens Bank, National Association Subsidary 6/1/1997 6/15/2006
Nantahala, Inc. Subsidary 7/3/2000 12/30/2004
Neuse, Incorporated Subsidary 12/10/1982 11/30/2001
First Citizens Investor Services, Inc. Subsidary 1/28/1994 8/20/2001
Intracoastal Holdings, Inc. Subsidary 9/24/1993 12/31/2000
Carolina Savings Finance Subsidiary, Inc. Subsidary 9/24/1993 12/31/2000
Hsl Investors, Inc. Subsidary 12/31/1994 12/31/2000
American Guaranty Insurance Company Subsidary 12/10/1982 10/11/2000
Yancey Insurance Agency, Inc. Subsidary 10/30/1998 1/30/1999
First Investors Financial Corporation Subsidary 2/3/1995 12/22/1997
First Citizens Processing Services, Inc. Subsidary 9/13/1993 9/30/1996
First Citizens Mortgage Company Subsidary 12/31/1984 12/30/1995
Atlantic Resorts Incorporated Subsidary 12/10/1982 6/30/1995
Intracoastal Utilities, Inc. Subsidary 9/24/1993 3/15/1995
Intracoastal Utility Subsidary 9/24/1993 3/15/1995
Dominion Park Development, Inc. Subsidary 9/24/1993 12/30/1994
Inter-Trust Finance Company, Inc. Subsidary 9/24/1993 12/30/1994
Second Western Corporation Subsidary 7/1/1991 12/7/1992
Mountain Financial Services, Inc. Subsidary 7/1/1991 12/16/1991
First Western Corporation Subsidary 7/1/1991 12/1/1991
First Title Insurance Company Subsidary 12/10/1982 6/30/1989
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