---
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"
generated_at: "2026-06-06T17:00:07.886592+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# First Citizens Q4 GAAP EPS $34.33, adj. $46.58; NIM 3.86%, loans $133.3B

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000798941-24-000010
- JSON: https://secwatch.observer/filing/0000798941-24-000010.json
- Plain text: https://secwatch.observer/filing/0000798941-24-000010.txt

## Key facts
- Earnings Releases
  FIRST CITIZENS BANCSHARES INC /DE/ reported financial results for quarter ended December 31, 2023.
  - Period: quarter ended December 31, 2023
  - Result: reported results
  source text: announced its results of operations for the quarter ended December 31, 2023
  evidence_url: https://www.sec.gov/Archives/edgar/data/798941/000079894124000010/0000798941-24-000010-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.