{"schema_version":"secwatch.filing_event.v1","accession":"0001171843-23-000330","form_type":"8-K","ticker":"WABC","cik":"0000311094","company_name":"WESTAMERICA BANCORPORATION","filed_at":"2023-01-19T23:59:59+00:00","discovered_at":"2026-05-14T18:03:47.582858+00:00","generated_at":"2026-06-20T13:27:22.477225+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.55,"calibrated_materiality_score":0.55,"confidence":"high","headline":"Westamerica Q4 net income $39.3M ($1.46 EPS) vs Q3 $34.8M ($1.29)","bullets":["Net interest income (FTE) rose to $69.2M in Q4 from $60.8M in Q3; loan/bond/cash yield 3.98% vs 3.47%.","Funding cost remained 0.03%; non-interest bearing deposits were 47% of average deposits.","Nonperforming assets only $774K at Dec 31, 2022; quarterly dividend $0.42 per share.","Annualized return on average common equity 18.6%; noninterest income $10.5M excluding a life insurance gain."],"urls":{"canonical":"https://secwatch.observer/filing/0001171843-23-000330","json":"https://secwatch.observer/filing/0001171843-23-000330.json","markdown":"https://secwatch.observer/filing/0001171843-23-000330.md","text":"https://secwatch.observer/filing/0001171843-23-000330.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/311094/000117184323000330/0001171843-23-000330-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/311094/000117184323000330/f8k_011923.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-20T13:27:22.477225+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"}