{"schema_version":"secwatch.filing_event.v1","accession":"0001171843-24-004008","form_type":"8-K","ticker":"WABC","cik":"0000311094","company_name":"WESTAMERICA BANCORPORATION","filed_at":"2024-07-18T23:59:59+00:00","discovered_at":"2026-05-14T18:03:15.469173+00:00","generated_at":"2026-05-31T19:55:33.991458+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Westamerica Q2 EPS $1.33, net income $35.5M; funding cost rises to 0.35%","bullets":["Net income $35.5M vs $36.4M in Q1; diluted EPS $1.33 vs $1.37.","Net interest income (FTE) $64.1M, down from $66.1M in Q1.","Funding cost annualized 0.35% (Q1: 0.20%); loan yield unchanged at 4.50%.","No provision for credit losses; net loan recoveries $73K; NPLs $1.6M.","Dividend of $0.44 per share paid in Q2; efficiency ratio 35%."],"urls":{"canonical":"https://secwatch.observer/filing/0001171843-24-004008","json":"https://secwatch.observer/filing/0001171843-24-004008.json","markdown":"https://secwatch.observer/filing/0001171843-24-004008.md","text":"https://secwatch.observer/filing/0001171843-24-004008.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/311094/000117184324004008/0001171843-24-004008-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/311094/000117184324004008/f8k_071824.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-31T19:55:33.991458+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"}