---
schema_version: "secwatch.filing_event.v1"
accession: "0001558370-22-007287"
form_type: "8-K"
ticker: "IBOC"
cik: "0000315709"
company_name: "INTERNATIONAL BANCSHARES CORP"
filed_at: "2022-05-05T23:59:59+00:00"
generated_at: "2026-06-26T00:03:47.894196+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# IBC Q1 net income rises 5.3% to $53.5M, EPS $0.84 vs $0.80 YoY

## Summary
- Net income $53.5M vs $50.8M in Q1 2021, up 5.3%; diluted EPS $0.84 vs $0.80.
- Operating expenses cut ~12% vs Q1 2019; management cites expense control focus.
- Total assets $16.1B at March 31, 2022; net loans $6.9B, deposits $12.8B.
- CEO notes strong capital, liquidity, and relationship deposits despite pandemic lingering effects.

## SEC filing metadata
- accession: 0001558370-22-007287
- form_type: 8-K
- ticker: IBOC
- cik: 0000315709
- company_name: INTERNATIONAL BANCSHARES CORP
- filed_at: 2022-05-05T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/315709/000155837022007287/0001558370-22-007287-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/315709/000155837022007287/iboc-20220505x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001558370-22-007287
- JSON: https://secwatch.observer/filing/0001558370-22-007287.json
- Plain text: https://secwatch.observer/filing/0001558370-22-007287.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.