−Removed: There have been no material changes from risk factors described in our Annual Report on Form 10-K for the year ended December 31, 2020.
−Removed: The risks described may not be the only risks facing us.
−Removed: Additional risks and uncertainties not currently known to us or that are currently considered to not be material also may materially adversely affect our business, financial condition and/or operating results.
−Removed: 2.1 Amendment No.
−Removed: 1, dated September 30, 2021, to the Agreement and Plan of Merger dated October 15, 2020 (incorporated by reference to Exhibit 2.1 to the Registrant’s Form 8-K dated September 30, 2021 )
−Removed: 31.1 Certification of Chief Executive Officer (filed herewith)
−Removed: 31.2 Certification of Chief Financial Officer (filed herewith)
−Removed: 32.1 Certification of Chief Executive Officer (filed herewith)
−Removed: 32.2 Certification of Chief Financial Officer (filed herewith)
−Removed: 101.INS Inline XBRL Instance Document (filed herewith)
−Removed: 101.SCH Inline XBRL Taxonomy Extension Schema (filed herewith)
−Removed: 101.CAL Inline XBRL Taxonomy Extension Calculation Linkbase (filed herewith)
−Removed: 101.DEF Inline XBRL Taxonomy Extension Definition Linkbase (filed herewith)
−Removed: 101.LAB Inline XBRL Taxonomy Extension Label Linkbase (filed herewith)
−Removed: 101.PRE Inline XBRL Taxonomy Extension Presentation Linkbase (filed herewith)
−Removed: 104 Cover Page Interactive Data File (embedded within the Inline XBRL document filed as Exhibit 101)
−Removed: Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized.
−Removed: November 2, 2021 FIRST CITIZENS BANCSHARES, INC.
−Removed: Chief Financial Officer
+Added: There have been no material changes in the risk factors during 2022 from those reported in our 2021 Annual Report, which had contemplated anticipated changes due to the CIT Merger.
+Added: For a discussion of the risks and uncertainties that management believes are material to an investment in us, see Part I, Item 1A.
+Added: Risk Factors , of our 2021 Annual Report, and Forward-Looking Statements of this Form 10-Q.
+Added: Additional risks and uncertainties that are not currently known to management or that management does not currently deem material could also have a material adverse impact on our financial condition, the results of our operations or our business.
+Added: If such risks and uncertainties were to materialize or the likelihoods of the risks were to increase, we could be adversely affected, and the market price of our securities could significantly decline.
Compared sentence by sentence after normalising whitespace, quotation marks, case and digits, so re-formatting and restated figures do not read as changed language. Wording changes appear as one removal and one addition. The current filing and the prior one are authoritative.