{"schema_version":"secwatch.filing_event.v1","accession":"0000798941-25-000003","form_type":"8-K","ticker":"FCNCA","cik":"0000798941","company_name":"FIRST CITIZENS BANCSHARES INC /DE/","filed_at":"2025-01-24T23:59:59+00:00","discovered_at":"2026-05-14T18:03:06.375498+00:00","generated_at":"2026-05-27T12:31:45.523198+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"First Citizens Q4 net income $700M, EPS $49.21; repurchased $963M in stock","bullets":["GAAP diluted EPS $49.21 vs $34.33 in Q4 2023; adjusted EPS $45.10 vs $46.58.","Net interest income $1.71B; noninterest income $699M; total revenue $2.41B.","End-of-period loans $140.2B (+1.1% QoQ); deposits $155.2B (+2.4% QoQ).","Net charge-off ratio 0.46%; nonaccrual loans 0.84% of total loans.","Repurchased 461,583 shares for $963M during Q4; capital ratios remain strong."],"urls":{"canonical":"https://secwatch.observer/filing/0000798941-25-000003","json":"https://secwatch.observer/filing/0000798941-25-000003.json","markdown":"https://secwatch.observer/filing/0000798941-25-000003.md","text":"https://secwatch.observer/filing/0000798941-25-000003.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/798941/000079894125000003/0000798941-25-000003-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/798941/000079894125000003/fcnca-20250124.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-27T12:31:45.523198+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"}