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Dec 31, 2022

First Citizens Q4 2022 Earnings Report

Reported solid financial results in the fourth quarter of 2022, marked by strong top-line growth and well-controlled expenses.

Key Takeaways

First Citizens BancShares reported a net income available to common stockholders of $243 million, or $16.67 per diluted common share, for the fourth quarter of 2022. The results were impacted by a strategic decision to exit $1.2 billion of Bank Owned Life Insurance policies, resulting in a tax charge of $55 million. Deposits grew at an annualized rate of 8.4% driven by growth in our Direct Bank.

Net income available to common stockholders was $243 million, or $16.67 per diluted common share.

Adjusted net income available to common stockholders was $306 million, or $20.94 per diluted common share.

Deposits totaled $89.4 billion, an increase of $1.9 billion, or 8.4% on an annualized basis.

Loans totaled $70.8 billion, an increase of $1.0 billion, or 5.6% on an annualized basis.

Total Revenue
$802M
Previous year: $357M
+124.4%
EPS
$20.9
Previous year: $12.1
+73.2%
Net Interest Margin
3.36%
Previous year: 2.58%
+30.2%
Net Charge-Off Ratio
0.14%
Tier 1 Capital Ratio
11.06%
Previous year: 12.47%
-11.3%
Cash and Equivalents
$518M
Previous year: $9.03B
-94.3%
Free Cash Flow
$946M
Previous year: $143M
+561.2%
Total Assets
$109B
Previous year: $58.3B
+87.4%

First Citizens

First Citizens

Forward Guidance

The company anticipates the ability to resume share buybacks in the second half of this year.