{"schema_version":"secwatch.filing_event.v1","accession":"0001140361-22-002662","form_type":"8-K","ticker":"FCNCA","cik":"0000798941","company_name":"FIRST CITIZENS BANCSHARES INC /DE/","filed_at":"2022-01-26T23:59:59+00:00","discovered_at":"2026-05-14T18:04:09.810074+00:00","generated_at":"2026-06-27T15:39:36.127123+00:00","sec_items":["2.02","5.02","5.03","7.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"First Citizens Q4 net income $123.3M, down 10.7%; CIT merger completed Jan 3","bullets":["Q4 net income $123.3M (-10.7% YoY); diluted EPS $12.09 vs $13.59; full-year net income $547.5M (+11.3% YoY).","Taxable-equivalent NIM 2.58%, down 44 bps YoY; provision for credit losses was net benefit of $5.1M.","Total loans $32.4B (-1.3% YoY, but +4.9% ex-SBA-PPP); deposits $51.4B (+18.4% YoY).","Completed CIT merger on Jan 3, 2022, forming top 20 U.S. bank; CIT results not included in Q4 figures.","Capital well above requirements: CET1 ratio 11.50%, Tier 1 leverage 7.59%; no share repurchases in Q4."],"urls":{"canonical":"https://secwatch.observer/filing/0001140361-22-002662","json":"https://secwatch.observer/filing/0001140361-22-002662.json","markdown":"https://secwatch.observer/filing/0001140361-22-002662.md","text":"https://secwatch.observer/filing/0001140361-22-002662.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/798941/000114036122002662/0001140361-22-002662-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/798941/000114036122002662/brhc10033093_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-27T15:39:36.127123+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"}