{"schema_version":"secwatch.filing_event.v1","accession":"0000798941-23-000010","form_type":"8-K","ticker":"FCNCA","cik":"0000798941","company_name":"FIRST CITIZENS BANCSHARES INC /DE/","filed_at":"2023-01-26T23:59:59+00:00","discovered_at":"2026-05-14T18:03:48.119395+00:00","generated_at":"2026-06-20T08:49:39.236722+00:00","sec_items":["2.02","5.03","7.01","8.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"First Citizens Q4 net income $243M ($16.67 EPS); adjusted EPS $20.94; NIM 3.36%","bullets":["Net interest income $802M (+$7M QoQ); net interest margin 3.36% (-4 bps QoQ).","Loans $70.8B (+$1.0B QoQ, 5.6% annualized); deposits $89.4B (+$1.9B QoQ, 8.4% annualized).","Provision for credit losses $79M (vs $60M Q3); net charge-offs $24M (0.14% of avg loans); nonaccrual loans 0.89% (vs 0.65% Q3).","Repurchased 472,586 shares for $398M in Q4; 1.5M shares for $1.2B in 2022; expects to resume buybacks in H2 2023.","Board amended bylaws for universal proxy rules, remote meetings, eliminated 100-share director ownership requirement; director retirement age changed to 75."],"urls":{"canonical":"https://secwatch.observer/filing/0000798941-23-000010","json":"https://secwatch.observer/filing/0000798941-23-000010.json","markdown":"https://secwatch.observer/filing/0000798941-23-000010.md","text":"https://secwatch.observer/filing/0000798941-23-000010.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/798941/000079894123000010/0000798941-23-000010-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/798941/000079894123000010/fcnca-20230124.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-20T08:49:39.236722+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":[{"claim_id":"894e696b664684bbd3ba2c239336bdefdd0ebbb0","claim":"FIRST CITIZENS BANCSHARES INC /DE/ reported the quarter ended December 31, 2022 results: net income $243 million, EPS $16.67 per diluted common share.","evidence_excerpt":"For the fourth quarter, net income available to common stockholders was $243 million, or $16.67 per diluted common share","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/798941/000079894123000010/0000798941-23-000010-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the quarter ended December 31, 2022"},{"label":"Net income","value":"$243 million"},{"label":"EPS","value":"$16.67 per diluted common share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"},{"claim_id":"f51fccb7c0cf7b0f04d25ad2befd6fd3cb033766","claim":"FIRST CITIZENS BANCSHARES INC /DE/: Adopted amended and restated bylaws to enhance shareholder nomination procedures, allow remote meetings, and eliminate director stock ownership requirement (effective 2023-01-24).","evidence_excerpt":"On January 24, 2023, in connection with the new Securities and Exchange Commission rules regarding universal proxy cards and a periodic review of the bylaws of BancShares, the Board of Directors of BancShares (the “Board”) adopted and approved amended and restated bylaws (the “Amended and Restated Bylaws”), which became effective the same day.","evidence_source":"SEC 8-K Item 5.03/5.05/5.06","evidence_url":"https://www.sec.gov/Archives/edgar/data/798941/000079894123000010/0000798941-23-000010-index.htm","confidence":0.9,"family_label":"Governance Changes","details":[{"label":"Change","value":"bylaw amendment"},{"label":"Effective","value":"2023-01-24"}],"fact_type":"governance_change"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}