{"schema_version":"secwatch.filing_event.v1","accession":"0001558370-22-012124","form_type":"8-K","ticker":"IBOC","cik":"0000315709","company_name":"INTERNATIONAL BANCSHARES CORP","filed_at":"2022-08-04T23:59:59+00:00","discovered_at":"2026-05-14T18:03:57.759539+00:00","generated_at":"2026-06-24T04:33:33.345096+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"IBOC reports H1 2022 net income $111.5M; core earnings up 11.5% ex non-recurring item","bullets":["H1 2022 diluted EPS $1.76 vs $2.25 YoY (-21.8%); Q2 diluted EPS $0.92 vs $1.45 YoY (-36.6%).","Prior year included $42.8M after-tax gain from merchant banking sale; core H1 net income rose 11.5%.","Operating expenses for H1 2022 down $19.7M (12.9%) vs H1 2019 on sustained cost controls.","Total assets $16.3B, deposits $12.9B, net loans $6.9B as of June 30, 2022.","CEO notes inflation/recession risk but expresses confidence in capital and liquidity."],"urls":{"canonical":"https://secwatch.observer/filing/0001558370-22-012124","json":"https://secwatch.observer/filing/0001558370-22-012124.json","markdown":"https://secwatch.observer/filing/0001558370-22-012124.md","text":"https://secwatch.observer/filing/0001558370-22-012124.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/315709/000155837022012124/0001558370-22-012124-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/315709/000155837022012124/iboc-20220804x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-24T04:33:33.345096+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"}