{"schema_version":"secwatch.filing_event.v1","accession":"0000798941-25-000019","form_type":"8-K","ticker":"FCNCA","cik":"0000798941","company_name":"FIRST CITIZENS BANCSHARES INC /DE/","filed_at":"2025-04-24T23:59:59+00:00","discovered_at":"2026-05-14T18:02:51.320180+00:00","generated_at":"2026-05-23T07:37:44.709927+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"First Citizens Q1 EPS $34.47 down 30% QoQ; net income $483M from $700M","bullets":["Diluted EPS $34.47 (GAAP) vs $49.21 in Q4 2024; adjusted EPS $37.79 vs $45.10.","Net interest income $1,663M down 2.7% QoQ; NIM 3.26% vs 3.32% prior quarter.","Loans grew to $141.4B (+0.8%) and deposits to $159.3B (+2.6%) QoQ.","Returned $613M to shareholders via share repurchases during Q1.","Completed $1.25B debt issuance: $500M senior notes + $750M subordinated notes."],"urls":{"canonical":"https://secwatch.observer/filing/0000798941-25-000019","json":"https://secwatch.observer/filing/0000798941-25-000019.json","markdown":"https://secwatch.observer/filing/0000798941-25-000019.md","text":"https://secwatch.observer/filing/0000798941-25-000019.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/798941/000079894125000019/0000798941-25-000019-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/798941/000079894125000019/fcnca-20250424.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-23T07:37:44.709927+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"}