FIRST CITIZENS BANCORPORATION INC

FIRST CITIZENS BANCORPORATION INC

First Citizens Bancorporation Inc. operates as a regional state commercial bank providing a broad suite of deposit, lending, and treasury services tailored to small and mid-sized businesses, municipal clients, and affluent individuals across its franchise markets; its core offerings include commercial and consumer loans, cash management and payment solutions, and fiduciary and investment products that mirror the needs of its relationship-driven customer base. As a State Commercial Banks entity under SIC 6021, the firm must continuously navigate capital adequacy, asset-quality, and interest-rate risks while remaining compliant with state and federal banking regulators such as the Federal Reserve, FDIC, and state banking departments, which monitor liquidity, underwriting standards, and risk management practices. Given the modest scale typical of state-chartered banks, shifts in regional economic conditions or credit cycles can materially affect loan performance, and first Citizens Bancorporation’s growth depends on disciplined credit underwriting and cost management to serve depositors and borrowers alike. CIK 708848; review the latest Form 10-Q filed November 1999 and other live SEC filings on Earnings Feed.