{"schema_version":"secwatch.filing_event.v1","accession":"0000798941-24-000044","form_type":"8-K","ticker":"FCNCA","cik":"0000798941","company_name":"FIRST CITIZENS BANCSHARES INC /DE/","filed_at":"2024-10-24T23:59:59+00:00","discovered_at":"2026-05-14T18:03:11.045269+00:00","generated_at":"2026-05-30T10:46:49.899762+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.78,"calibrated_materiality_score":0.78,"confidence":"high","headline":"First Citizens Q3 net income $639M ($43.42 EPS), down 15% YoY; NIM 3.53%, credit weakens","bullets":["Net income available to common $624M; diluted EPS $43.42, down from $50.67 YoY. Adjusted EPS $45.87.","Net interest income $1,796M (-9.7% YoY); net interest margin 3.53% vs 4.07% on rate and mix pressure.","Total loans $138.7B (+4.1% YoY) but SVB Commercial fund banking loans fell to $27.1B.","Nonaccrual loans ratio 0.90% (vs 0.68% YoY); net charge-offs $145M (0.42% annualized).","Repurchased ~350,000 shares for $700M in Q3 under July 2024 buyback plan."],"urls":{"canonical":"https://secwatch.observer/filing/0000798941-24-000044","json":"https://secwatch.observer/filing/0000798941-24-000044.json","markdown":"https://secwatch.observer/filing/0000798941-24-000044.md","text":"https://secwatch.observer/filing/0000798941-24-000044.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/798941/000079894124000044/0000798941-24-000044-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/798941/000079894124000044/fcnca-20241024.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-30T10:46:49.899762+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"}