{"schema_version":"secwatch.filing_event.v1","accession":"0001558370-23-001861","form_type":"8-K","ticker":"IBOC","cik":"0000315709","company_name":"INTERNATIONAL BANCSHARES CORP","filed_at":"2023-02-23T23:59:59+00:00","discovered_at":"2026-05-14T18:03:47.595169+00:00","generated_at":"2026-06-19T03:25:47.525196+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"IBC reports record 2022 net income of $300.2M; diluted EPS $4.78, up 19.5% YoY","bullets":["Annual net income $300.2M ($4.78 diluted EPS) vs $253.9M ($4.00) in 2021, up 18.2% and 19.5% respectively.","Q4 2022 net income $105.4M ($1.69 diluted EPS) vs $56.5M ($0.89) in Q4 2021, up 86.5% and 89.9%.","Net interest income rose to $487.6M from $371.3M, driven by higher rates and larger investment portfolio.","Non-interest expense fell 12.7% vs 2019, reflecting cost control initiatives; total assets $15.5B.","Deposits $12.7B, net loans $7.3B; strong capital and liquidity position cited by CEO."],"urls":{"canonical":"https://secwatch.observer/filing/0001558370-23-001861","json":"https://secwatch.observer/filing/0001558370-23-001861.json","markdown":"https://secwatch.observer/filing/0001558370-23-001861.md","text":"https://secwatch.observer/filing/0001558370-23-001861.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/315709/000155837023001861/0001558370-23-001861-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/315709/000155837023001861/iboc-20230223x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-19T03:25:47.525196+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":"754b26e2514dcccc3a15c9faef0da36b1d42b839","claim":"INTERNATIONAL BANCSHARES CORP reported year ended December 31, 2022 results: net income $300.2 million, EPS $4.78 diluted earnings per common share.","evidence_excerpt":"International Bancshares Corporation (NASDAQ:IBOC), one of the largest independent bank holding companies in Texas, today reported annual net income for 2022 of $300.2 million or $4.78 diluted earnings per common share ($ 4.79 per share basic)","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/315709/000155837023001861/0001558370-23-001861-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"year ended December 31, 2022"},{"label":"Net income","value":"$300.2 million"},{"label":"EPS","value":"$4.78 diluted earnings per common share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"},{"claim_id":"af99f6b4b39f0e54d50ecdaab5967b244f5da628","claim":"INTERNATIONAL BANCSHARES CORP reported three months ended December 31, 2022 results: net income $ 105.4 million, EPS $1.69 diluted earnings per common share.","evidence_excerpt":"Net income for the three months ended December 31, 2022 was $ 105.4 million or $1.69 diluted earnings per common share ( $1.69 per share basic), compared to $56.5 million or $.89 diluted earnings per common share ( $.90 per share basic) for the same period in 2021","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/315709/000155837023001861/0001558370-23-001861-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"three months ended December 31, 2022"},{"label":"Net income","value":"$ 105.4 million"},{"label":"EPS","value":"$1.69 diluted earnings per common share"},{"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"}