‘Take-under’ deal for Silicon Valley Bank fuels $9.5 billion profit for First Citizens Bancshares

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‘Take-under’ deal for Silicon Valley Bank fuels $9.5 billion profit for First Citizens Bancshares
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First Citizens gained nearly $10 billion on the value of its purchase of Silicon Valley Bank's assets in a so-called take-under deal that stood out in the Q1...

The $9.5 billion profit posted by First Citizens Bancshares Inc. from a one-time gain on its acquisition of Silicon Valley Bank stands out as the second-largest profit among all banks in the second quarter and is much higher than in any previous quarter for the company.

Also read: First Citizens grows bigger with Silicon Valley Bank deal, but not big enough to move to next regulatory level In a take-under deal in which a bank with $100 million of assets and $10 million in equity is seized by the FDIC and sold for $5 million to a buyer bank, that $5 million discount on the value of the acquired bank’s equity flows through the income statement of the acquiring bank as a one-time gain and boosts the equity on its balance sheet.

Prior to this year, no major take-under deals had taken place since the global financial crisis of 2008. “I would bet that $9.5 billion in profits must be the best regional-bank result ever,” Marenzi said. “Indeed, that would be very respectable earnings for a money-center bank.”

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