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Mar 31, 2021

First Citizens Q1 2021 Earnings Report

Reported strong earnings driven by net income and noninterest income growth.

Key Takeaways

First Citizens BancShares reported a strong first quarter in 2021, with net income increasing by 157.7% compared to the same quarter in 2020. The increase was driven by growth in net interest income and noninterest income. Total deposits grew significantly, and the company remained well-capitalized.

Net income increased to $147.3 million, a 157.7% increase compared to Q1 2020.

Net interest income increased slightly to $339.7 million, up 0.4% from Q1 2020.

Noninterest income surged to $136.6 million, a 113.5% increase compared to Q1 2020, driven by fair market value adjustments on marketable equity securities.

Total deposits grew significantly to $47.33 billion, a 36.4% annualized increase since December 31, 2020.

Total Revenue
$340M
Previous year: $338M
+0.4%
EPS
$14.5
Previous year: $5.46
+166.1%
Net Interest Margin
2.8%
Net Charge-Off Ratio
0.03%
Previous year: 0.1%
-70.0%
Tier 1 Capital Ratio
12%
Previous year: 11.4%
+5.3%
Cash and Equivalents
$410M
Previous year: $454M
-9.7%
Free Cash Flow
$101M
Previous year: -$9.32M
-1183.6%
Total Assets
$53.9B
Previous year: $41.6B
+29.6%

First Citizens

First Citizens

Forward Guidance

First Citizens BancShares anticipates closing the merger with CIT in mid-2021, subject to regulatory approvals and customary closing conditions.