{"schema_version":"secwatch.filing_event.v1","accession":"0000798941-24-000010","form_type":"8-K","ticker":"FCNCA","cik":"0000798941","company_name":"FIRST CITIZENS BANCSHARES INC /DE/","filed_at":"2024-01-26T23:59:59+00:00","discovered_at":"2026-05-14T18:03:26.953349+00:00","generated_at":"2026-06-06T17:00:07.886592+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"First Citizens Q4 GAAP EPS $34.33, adj. $46.58; NIM 3.86%, loans $133.3B","bullets":["GAAP net income available to common of $499M ($34.33 diluted EPS); adjusted $678M ($46.58).","Net interest income $1,911M, down 4% QoQ; net interest margin 3.86% vs 4.07% in Q3.","Provision for credit losses $249M, up from $192M Q3; net charge-off ratio 0.53%.","Period-end loans $133.3B, deposits $145.9B; CET1 ratio 13.36%, TBV $1,357.77.","Completed CIT integration and SVB stabilization; CEO cites solid results for 2023."],"urls":{"canonical":"https://secwatch.observer/filing/0000798941-24-000010","json":"https://secwatch.observer/filing/0000798941-24-000010.json","markdown":"https://secwatch.observer/filing/0000798941-24-000010.md","text":"https://secwatch.observer/filing/0000798941-24-000010.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/798941/000079894124000010/0000798941-24-000010-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/798941/000079894124000010/fcnca-20240126.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-06T17:00:07.886592+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":"2cef25d16b5291f9a8775f0c3ce54f57b1a0eed4","claim":"FIRST CITIZENS BANCSHARES INC /DE/ reported financial results for quarter ended December 31, 2023.","evidence_excerpt":"announced its results of operations for the quarter ended December 31, 2023","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/798941/000079894124000010/0000798941-24-000010-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"quarter ended December 31, 2023"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}