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FBNC • CIK 0000811589
| (in thousands, except per share data) | FY 2023 | FY 2024 | FY 2025 | TTM |
|---|---|---|---|---|
| Interest and Fee Income, Loans and Leases Held-in-portfolio | $418,668 | $441,181 | $462,306 | $485,434 |
| Interest Income (Expense), Net | $346,658 | $332,273 | $398,247 | $427,070 |
| Provision for Loan, Lease, and Other Losses | $17,813 | $16,448 | $11,502 | $12,426 |
| Interest Income (Expense), after Provision for Loan Loss | $328,845 | $315,825 | $386,745 | $414,644 |
| Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest | $131,956 | $98,117 | $139,500 | $165,265 |
| Income Tax Expense (Benefit) | $27,825 | $21,902 | $28,452 | $32,011 |
| Net Income (Loss) Attributable to Parent | $104,131 | $76,215 | $111,048 | $133,254 |
| Interest Income, Securities, Operating, Taxable | $52,276 | $47,510 | $68,055 | $70,155 |
| Interest Income, Securities, Operating, Tax Exempt | $4,485 | $4,466 | $4,461 | $4,459 |
| Interest Income, Federal Funds Sold and Securities Purchased under Agreements to Resell | $13,330 | $26,083 | $22,413 | $18,491 |
| Interest and Dividend Income, Operating | $488,759 | $519,240 | $557,235 | $578,539 |
| Interest Expense, NOW Accounts, Money Market Accounts, and Savings Deposits | — | $172,085 | $152,518 | $145,852 |
| Interest Expense, Borrowings | $27,235 | $14,882 | $6,470 | $5,617 |
| InterestExpenseOperating | — | $186,967 | $158,988 | $151,469 |
| Insurance Commissions and Fees | $5,503 | $5,270 | $6,274 | $6,677 |
| Bank Owned Life Insurance Income | $4,350 | $4,773 | $5,113 | $5,362 |
| Debt and Equity Securities, Gain (Loss) | $0 | $-37,981 | $-71,627 | $-71,627 |
| Other Nonoperating Gains (Losses) | $2,662 | $1,028 | $8,691 | $10,349 |
| Noninterest Income | $57,490 | $17,899 | $-7,935 | $-3,966 |
| Salary and Wage, NonOfficer, Excluding Cost of Good and Service Sold | $114,377 | $113,853 | $119,478 | $123,319 |
| Employee Benefits and Share-based Compensation | $25,474 | $26,169 | $24,706 | $25,898 |
| Labor and Related Expense | $139,851 | $140,022 | $144,184 | $149,217 |
| Occupancy, Net | $14,963 | $19,984 | $20,435 | $20,364 |
| Business Combination, Acquisition Related Costs | $13,695 | $0 | $0 | $0 |
| Amortization of Intangible Assets | $8,003 | $6,604 | $5,672 | $5,134 |
| Other Noninterest Expense | $71,840 | $68,997 | $69,019 | $70,698 |
| Noninterest Expense | $254,379 | $235,607 | $239,310 | $245,413 |
| Weighted Average Number of Shares Outstanding, Basic | 40,746,772 | 41,021,475 | 41,196,459 | 41,264,362 |
| Weighted Average Number of Shares Outstanding, Diluted | 41,164,834 | 41,327,216 | 41,453,247 | 41,446,399 |
| Participating Securities, Distributed and Undistributed Earnings (Loss), Basic | $685 | $391 | $620 | $630 |
| Net Income (Loss) Available to Common Stockholders, Basic | $103,446 | $75,824 | $110,428 | $132,624 |
| Weighted Average Number Diluted Shares Outstanding Adjustment | 418,062 | 305,741 | 256,788 | 182,037 |
| Antidilutive Securities Excluded from Computation of Earnings Per Share, Amount | 0 | 0 | 0 | 0 |
| Revenues | $32,816 | $70,123 | $67,623 | $67,623 |
| Interest Expense | $142,101 | — | — | $178,284 |
| (in thousands, except per share data) | FY 2023 | FY 2024 | FY 2025 | TTM |
|---|---|---|---|---|
| Cash and Due from Banks | $100,891 | $78,596 | $146,759 | $128,424 |
| Interest-bearing Deposits in Banks and Other Financial Institutions | $136,964 | $428,911 | $162,836 | $421,908 |
| Cash, Cash Equivalents, and Federal Funds Sold | $237,855 | $507,507 | $309,595 | $550,332 |
| DebtSecuritiesAvailableForSaleExcludingAccruedInterest | $2,189,379 | $2,043,062 | $2,048,556 | $1,939,075 |
| DebtSecuritiesHeldToMaturityExcludingAccruedInterestAfterAllowanceForCreditLoss | $533,678 | $519,998 | $513,099 | $509,712 |
| FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss | $8,150,102 | $8,094,676 | $8,722,419 | $8,988,748 |
| FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest | $109,853 | $122,572 | $123,581 | $124,894 |
| FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss | $8,040,249 | $7,972,104 | $8,598,838 | $8,863,854 |
| Property, Plant and Equipment, Net | $150,957 | $143,459 | $139,125 | $138,129 |
| Interest Receivable | $37,351 | $36,329 | $39,206 | $38,272 |
| Goodwill | $478,750 | $478,750 | $478,750 | $478,750 |
| Intangible Assets, Net (Excluding Goodwill) | $32,858 | $22,904 | $17,232 | $14,786 |
| Bank Owned Life Insurance | $183,897 | $188,460 | $193,286 | $195,984 |
| Other Assets | $210,238 | $229,179 | $322,862 | $300,417 |
| Assets | $12,114,942 | $12,147,694 | $12,668,339 | $13,041,615 |
| Noninterest-bearing Domestic Deposit, Demand | $3,379,876 | — | $3,486,985 | $3,597,565 |
| Interest-bearing Deposit Liabilities, Domestic | — | $7,162,901 | $7,261,436 | $7,261,436 |
| Deposits | $10,031,599 | $10,530,525 | $10,748,421 | $11,084,867 |
| Long-term Debt | $630,158 | $91,876 | $74,569 | $74,717 |
| Interest Payable | $5,699 | $4,604 | $3,747 | $3,813 |
| Other Liabilities | $57,273 | $75,078 | $187,434 | $161,758 |
| Liabilities | $10,742,562 | $10,702,083 | $11,014,171 | $11,325,155 |
| Preferred Stock, Value, Issued | $0 | $0 | $0 | $0 |
| Common Stock, Value, Issued | $963,990 | $971,313 | $973,884 | $966,777 |
| Retained Earnings (Accumulated Deficit) | $716,420 | $756,327 | $829,659 | $906,976 |
| Common Stock Held in Trust | $1,385 | $1,148 | $885 | $534 |
| Accumulated Other Comprehensive Income (Loss), Net of Tax | $-308,030 | $-282,029 | $-149,375 | $-157,293 |
| Stockholders' Equity Attributable to Parent | $1,372,380 | $1,445,611 | $1,654,168 | $1,716,460 |
| DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss | $2,590,099 | $2,411,117 | $2,242,678 | $2,143,544 |
| Debt Securities, Held-to-maturity, Fair Value | $449,623 | $428,571 | $448,452 | $443,298 |
| Preferred Stock, Shares Authorized | 5,000,000 | 5,000,000 | 5,000,000 | 5,000,000 |
| Preferred Stock, Shares Issued | 0 | 0 | 0 | 0 |
| Common Stock, Shares Authorized | 60,000,000 | 60,000,000 | 60,000,000 | 60,000,000 |
| Common Stock, Shares, Issued | 41,109,987 | 41,347,418 | 41,466,227 | 41,374,221 |
| Derivative Liability | $349 | $302 | $3,400 | $3,400 |
| (in thousands, except per share data) | FY 2023 | FY 2024 | FY 2025 | TTM |
|---|---|---|---|---|
| Net Income (Loss) Attributable to Parent | $104,131 | $76,215 | $111,048 | $133,254 |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate Effect | $-32,463 | $269,652 | $-197,912 | $-160,954 |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents | $237,855 | $507,507 | $309,595 | $135,145 |
| Provision for Loan, Lease, and Other Losses | $17,813 | $16,448 | $11,502 | $12,426 |
| Payments to Acquire Debt Securities, Available-for-sale | $1,169 | $494,895 | $585,084 | $475,281 |
| Accretion (Amortization) of Discounts and Premiums, Investments | $-9,337 | $-8,628 | $-5,142 | $-2,550 |
| Proceeds from Maturities, Prepayments and Calls of Debt Securities, Available-for-sale | $165,358 | $243,029 | $216,476 | $240,196 |
| Increase (Decrease) in Deferred Income Taxes | — | $4,869 | $-30,917 | $-41,258 |
| Proceeds from Maturities, Prepayments and Calls of Held-to-maturity Securities | $3,453 | $8,272 | $2,525 | $2,330 |
| Proceeds from Sale of Debt Securities, Available-for-sale | $111,863 | $385,125 | $464,652 | $464,652 |
| ProceedsFromSaleOfEquitySecuritiesFvNi | — | $4,522 | $0 | $0 |
| Gains (Losses) on Sales of Other Real Estate | $150 | $245 | $-261 | $-227 |
| Unrealized Gain (Loss) on Investments | — | $-37,981 | $-71,627 | $-71,627 |
| Proceeds from Sale of Federal Home Loan Bank Stock | $43,797 | $52,990 | $0 | $10 |
| Proceeds from Life Insurance Policy | $137 | $210 | $287 | $196 |
| Bank Owned Life Insurance Income | $4,350 | $4,773 | $5,113 | $5,362 |
| Payments to Acquire Other Investments | $9,754 | $6,824 | $29,927 | $26,525 |
| Payments for (Proceeds from) Loans and Leases | $466,488 | $-17,494 | $638,661 | $789,731 |
| Depreciation | $7,754 | $7,760 | $6,793 | $6,618 |
| Proceeds from Sale of Other Real Estate | $967 | $758 | $5,052 | $4,867 |
| Operating Lease, Right-of-Use Asset, Amortization Expense | $2,100 | $1,815 | $1,323 | $1,354 |
| Payments to Acquire Property, Plant, and Equipment | $4,421 | $2,657 | $4,245 | $5,524 |
| Operating Lease, Payments | $1,988 | $1,738 | $1,257 | $1,289 |
| Proceeds from Sale of Property, Plant, and Equipment | $970 | $1,339 | $7,255 | $6,975 |
| Share-based Payment Arrangement, Noncash Expense | $5,125 | $4,920 | $3,763 | $3,462 |
| Payments to Acquire Businesses, Net of Cash Acquired | $-22,610 | $0 | $0 | $0 |
| Amortization of Intangible Assets | $8,003 | $6,604 | $5,672 | $5,134 |
| Net Cash Provided by (Used in) Investing Activities | $-191,365 | $169,666 | $-562,069 | $-581,358 |
| Servicing Asset at Amortized Cost, Amortization | $1,356 | $1,699 | $1,141 | $973 |
| Increase (Decrease) in Accrued Interest Receivable, Net | $1,904 | $-1,022 | $2,877 | $1,844 |
| Increase (Decrease) in Other Operating Assets | $-12,435 | $5,396 | $6,220 | $10,720 |
| Increase (Decrease) in Interest Payable, Net | $2,579 | $-1,095 | $-857 | $-1,202 |
| Increase (Decrease) in Other Operating Liabilities | $-949 | $5,662 | $-20,652 | $-20,531 |
| Net Cash Provided by (Used in) Operating Activities | $131,396 | $174,781 | $203,131 | $232,500 |
| Increase (Decrease) in Deposits | $-244,339 | $498,100 | $217,552 | $254,225 |
| Proceeds from Other Debt | $3,348,000 | $986,000 | $2,000 | $1,000 |
| Repayments of Other Debt | $3,044,991 | $1,515,049 | $2,050 | $1,051 |
| Repayments of Subordinated Debt | — | $10,000 | $18,000 | $18,000 |
| Payments of Ordinary Dividends, Common Stock | $34,940 | $36,249 | $37,284 | $38,544 |
| Payments for Repurchase of Common Stock | $0 | — | $991 | $7,269 |
| Proceeds from Stock Options Exercised | $4,519 | $4,094 | $1,491 | $389 |
| Payment, Tax Withholding, Share-based Payment Arrangement | $743 | $1,691 | $1,692 | $2,846 |
| Net Cash Provided by (Used in) Financing Activities | $27,506 | $-74,795 | $161,026 | $187,904 |
| Interest Paid, Excluding Capitalized Interest, Operating Activities | $135,704 | $186,894 | $159,156 | $151,388 |
| Income Taxes Paid, Net | $29,734 | $33,500 | $11,020 | $3,688 |
| Real Estate Owned, Transfer from Real Estate Owned | — | — | $1,774 | $1,666 |
| Dividends Payable | $9,046 | $9,105 | $9,537 | $10,365 |