{"schema_version":"secwatch.filing_event.v1","accession":"0001171843-22-006664","form_type":"8-K","ticker":"WABC","cik":"0000311094","company_name":"WESTAMERICA BANCORPORATION","filed_at":"2022-10-20T23:59:59+00:00","discovered_at":"2026-05-14T18:03:53.129134+00:00","generated_at":"2026-06-23T02:25:42.734434+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Westamerica Q3 net income $34.8M, EPS $1.29, up 37% from Q2","bullets":["Diluted EPS $1.29 vs $0.94 in Q2 2022, including $0.03 life insurance gain.","Net interest income (FTE) $60.8M, up from $48.0M; loan/bond yield rose to 3.47% from 2.77%.","Funding cost remained 0.03%; non-interest bearing deposits 47% of average deposits.","Noninterest income $11.8M (incl. $923K life insurance gain), noninterest expense $24.8M.","Annualized ROAE 17.1%; paid $0.42 per common share dividend in Q3."],"urls":{"canonical":"https://secwatch.observer/filing/0001171843-22-006664","json":"https://secwatch.observer/filing/0001171843-22-006664.json","markdown":"https://secwatch.observer/filing/0001171843-22-006664.md","text":"https://secwatch.observer/filing/0001171843-22-006664.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/311094/000117184322006664/0001171843-22-006664-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/311094/000117184322006664/f8k_102022.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-23T02:25:42.734434+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"}