{"schema_version":"secwatch.filing_event.v1","accession":"0001171843-25-002298","form_type":"8-K","ticker":"WABC","cik":"0000311094","company_name":"WESTAMERICA BANCORPORATION","filed_at":"2025-04-17T23:59:59+00:00","discovered_at":"2026-05-14T18:02:50.912498+00:00","generated_at":"2026-05-23T12:30:23.400817+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"confidence":"high","headline":"Westamerica Q1 net income $31.0M, EPS $1.16; stable credit quality","bullets":["Net income $31.0M, diluted EPS $1.16 vs Q4 2024 net income $31.7M, EPS $1.19.","Reversal of provision for credit losses of $550K added $0.01 to EPS.","Net interest income (FTE) $56.4M; yield on earning assets 4.14%, funding cost 0.24%.","Non-interest income $10.3M, non-interest expense $25.1M; expense ratio 38% of revenues.","Paid $0.44 per common share dividend in Q1 2025; nonperforming assets only $277K."],"urls":{"canonical":"https://secwatch.observer/filing/0001171843-25-002298","json":"https://secwatch.observer/filing/0001171843-25-002298.json","markdown":"https://secwatch.observer/filing/0001171843-25-002298.md","text":"https://secwatch.observer/filing/0001171843-25-002298.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/311094/000117184325002298/0001171843-25-002298-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/311094/000117184325002298/f8k_041725.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-23T12:30:23.400817+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"}