{"schema_version":"secwatch.filing_event.v1","accession":"0000798941-22-000052","form_type":"8-K","ticker":"FCNCA","cik":"0000798941","company_name":"FIRST CITIZENS BANCSHARES INC /DE/","filed_at":"2022-10-27T23:59:59+00:00","discovered_at":"2026-05-14T18:03:53.594311+00:00","generated_at":"2026-06-23T00:33:15.609953+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"First Citizens Q3 net income $315M, EPS $19.25; NIM expands 36 bps to 3.40%","bullets":["Net income available to common $303M ($19.25/sh); adjusted $326M ($20.77/sh).","Pre-provision net revenue $468M, up 23.5% QoQ; adjusted $506M, up 21.3%.","Net interest margin 3.40% (+36 bps QoQ); loans grew $2.1B to $69.8B.","Deposits fell $1.8B; borrowings up $3.9B to fund loan growth.","Share repurchases: 98.5% of 1.5M share authorization completed as of Oct 25."],"urls":{"canonical":"https://secwatch.observer/filing/0000798941-22-000052","json":"https://secwatch.observer/filing/0000798941-22-000052.json","markdown":"https://secwatch.observer/filing/0000798941-22-000052.md","text":"https://secwatch.observer/filing/0000798941-22-000052.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/798941/000079894122000052/0000798941-22-000052-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/798941/000079894122000052/fcnca-20221027.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-23T00:33:15.609953+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}