{"schema_version":"secwatch.filing_event.v1","accession":"0001171843-24-005682","form_type":"8-K","ticker":"WABC","cik":"0000311094","company_name":"WESTAMERICA BANCORPORATION","filed_at":"2024-10-17T23:59:59+00:00","discovered_at":"2026-05-14T18:03:10.679803+00:00","generated_at":"2026-05-30T13:28:19.138235+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"confidence":"high","headline":"Westamerica Q3 EPS $1.31, net income $35.1M; stable credit and low funding costs","bullets":["Net income $35.1M, diluted EPS $1.31 (incl. $0.04 gains from life insurance/asset sales); Q2 net income $35.5M, EPS $1.33.","Net interest income (FTE) $62.5M; yield on earning assets 4.45%, funding cost 0.37% annualized.","No provision for credit losses; nonperforming assets stable at $0.9M; allowance for credit losses $15.3M.","Noninterest income $11.9M (incl. $1.6M gains), noninterest expense $26.3M; efficiency ratio 35%.","Annualized return on average common equity 13.7%; quarterly cash dividend $0.44 per share paid."],"urls":{"canonical":"https://secwatch.observer/filing/0001171843-24-005682","json":"https://secwatch.observer/filing/0001171843-24-005682.json","markdown":"https://secwatch.observer/filing/0001171843-24-005682.md","text":"https://secwatch.observer/filing/0001171843-24-005682.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/311094/000117184324005682/0001171843-24-005682-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/311094/000117184324005682/f8k_101724.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-30T13:28:19.138235+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"}