{"schema_version":"secwatch.filing_event.v1","accession":"0001558370-22-016191","form_type":"8-K","ticker":"IBOC","cik":"0000315709","company_name":"INTERNATIONAL BANCSHARES CORP","filed_at":"2022-11-03T23:59:59+00:00","discovered_at":"2026-05-14T18:03:53.139164+00:00","generated_at":"2026-06-22T10:00:44.419757+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":"International Bancshares Q3 net income up 53% to $83.4M, EPS $1.34","bullets":["Q3 net income $83.4M ($1.34 diluted EPS) vs $54.6M ($0.86) in Q3 2021, increases of 53% and 56%.","Nine-month net income $194.8M ($3.09 EPS) vs $197.4M; excluding $42.8M non-recurring 2021 gain, adjusted net income up 26%.","Net interest income rose on Fed rate hikes and investment portfolio growth; expenses down ~15% in 2021 vs 2019.","Total deposits $12.9B vs $12.6B at Dec 2021; net loans $6.9B vs $7.1B.","CEO highlights strong capital, liquidity, and cost control; monitoring credit losses amid economic uncertainty."],"urls":{"canonical":"https://secwatch.observer/filing/0001558370-22-016191","json":"https://secwatch.observer/filing/0001558370-22-016191.json","markdown":"https://secwatch.observer/filing/0001558370-22-016191.md","text":"https://secwatch.observer/filing/0001558370-22-016191.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/315709/000155837022016191/0001558370-22-016191-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/315709/000155837022016191/iboc-20221103x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-22T10:00:44.419757+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":[{"claim_id":"5c4592ca6f269c26f09c66fe7b868d6d5ec32d7c","claim":"INTERNATIONAL BANCSHARES CORP reported Q3 2022 (three months ended September 30, 2022) results: net income 83.4 million, EPS 1.34.","evidence_excerpt":"today reported net income for the three months ended September 30, 2022 was $83.4 million or $1.34 diluted earnings per common share","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/315709/000155837022016191/0001558370-22-016191-index.htm","confidence":0.99,"family_label":"Earnings Releases","details":[{"label":"Period","value":"Q3 2022 (three months ended September 30, 2022)"},{"label":"Net income","value":"83.4 million"},{"label":"EPS","value":"1.34"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}