{"schema_version":"secwatch.filing_event.v1","accession":"0000798941-24-000022","form_type":"8-K","ticker":"FCNCA","cik":"0000798941","company_name":"FIRST CITIZENS BANCSHARES INC /DE/","filed_at":"2024-04-25T23:59:59+00:00","discovered_at":"2026-05-14T18:03:22.006289+00:00","generated_at":"2026-06-03T08:52:40.130293+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"First Citizens Q1 net income $731M; adj. EPS $52.92, up from $46.58 Q4","bullets":["GAAP diluted EPS $49.26 vs $34.33 in Q4 2023; adjusted diluted EPS $52.92 vs $46.58.","Net interest income $1,817M, down from $1,911M Q4; NIM compressed to 3.67% from 3.86%.","Total loans $135.4B (+1.6% linked-quarter); deposits $149.6B (+2.6% linked-quarter).","Nonaccrual ratio 0.79% (up 6bp); net charge-off ratio 0.31% (down 22bp).","CET1 ratio improved to 13.44% from 13.36% Q4 and 12.53% a year ago."],"urls":{"canonical":"https://secwatch.observer/filing/0000798941-24-000022","json":"https://secwatch.observer/filing/0000798941-24-000022.json","markdown":"https://secwatch.observer/filing/0000798941-24-000022.md","text":"https://secwatch.observer/filing/0000798941-24-000022.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/798941/000079894124000022/0000798941-24-000022-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/798941/000079894124000022/fcnca-20240425.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-03T08:52:40.130293+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":"9b148e3e7f4f92da1a5cc05644ede678b18904e7","claim":"FIRST CITIZENS BANCSHARES INC /DE/ reported first quarter of 2024 results: net income $731, EPS $49.26.","evidence_excerpt":"On April 25, 2024, First Citizens BancShares, Inc. (“BancShares”) announced its results of operations for the quarter ended March 31, 2024.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/798941/000079894124000022/0000798941-24-000022-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"first quarter of 2024"},{"label":"Net income","value":"$731"},{"label":"EPS","value":"$49.26"},{"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"}