{"schema_version":"secwatch.filing_event.v1","accession":"0000798941-24-000034","form_type":"8-K","ticker":"FCNCA","cik":"0000798941","company_name":"FIRST CITIZENS BANCSHARES INC /DE/","filed_at":"2024-07-25T23:59:59+00:00","discovered_at":"2026-05-14T18:03:15.918736+00:00","generated_at":"2026-05-31T16:31:27.688641+00:00","sec_items":["2.02","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 Q2 EPS $47.54, adj EPS $50.87; authorizes $3.5B share repurchase","bullets":["Net income $707M ($47.54 diluted EPS), up from $682M ($45.87) YoY; adjusted diluted EPS $50.87.","Net interest income $1.82B, down 7% YoY; NIM 3.64% vs 4.11% a year ago.","Total loans $139.3B (+4.8% YoY), deposits $151.1B (+7.0% YoY); SVB segment achieved loan and deposit growth.","Credit quality: nonaccrual loans 0.82%, net charge-off ratio 0.38%; provision for credit losses $95M vs $151M YoY.","Board authorized up to $3.5B share repurchase through 2025; repurchases expected to begin Q3 2024."],"urls":{"canonical":"https://secwatch.observer/filing/0000798941-24-000034","json":"https://secwatch.observer/filing/0000798941-24-000034.json","markdown":"https://secwatch.observer/filing/0000798941-24-000034.md","text":"https://secwatch.observer/filing/0000798941-24-000034.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/798941/000079894124000034/0000798941-24-000034-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/798941/000079894124000034/fcnca-20240725.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-31T16:31:27.688641+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"}