{"schema_version":"secwatch.filing_event.v1","accession":"0001558370-21-014515","form_type":"8-K","ticker":"IBOC","cik":"0000315709","company_name":"INTERNATIONAL BANCSHARES CORP","filed_at":"2021-11-04T23:59:59+00:00","discovered_at":"2026-05-14T18:04:15.052586+00:00","generated_at":"2026-06-28T13:22:33.200845+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"IBC Q3 net income $54.6M ($0.86 EPS), up 28% YoY; nine-month EPS $3.11, up 67%","bullets":["Q3 2021 net income $54.6M ($0.86 diluted EPS) vs $42.7M ($0.67) in Q3 2020, a 28.4% increase.","Nine-month net income $197.4M ($3.11 diluted EPS) vs $119.1M ($1.86) in 2020, up 67.2%.","Results boosted by $42.8M net-of-tax gain on sale of merchant banking investment in Q2 2021.","Credit loss expense decreased ~$24.9M net-of-tax as economic conditions improved, lowering provision.","Total assets $15.7B, deposits $12.2B, net loans $7.3B; low rates continue pressuring net interest income."],"urls":{"canonical":"https://secwatch.observer/filing/0001558370-21-014515","json":"https://secwatch.observer/filing/0001558370-21-014515.json","markdown":"https://secwatch.observer/filing/0001558370-21-014515.md","text":"https://secwatch.observer/filing/0001558370-21-014515.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/315709/000155837021014515/0001558370-21-014515-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/315709/000155837021014515/iboc-20211104x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-28T13:22:33.200845+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"}