{"schema_version":"secwatch.filing_event.v1","accession":"0001558370-24-001677","form_type":"8-K","ticker":"IBOC","cik":"0000315709","company_name":"INTERNATIONAL BANCSHARES CORP","filed_at":"2024-02-26T23:59:59+00:00","discovered_at":"2026-05-14T18:03:26.546821+00:00","generated_at":"2026-06-05T15:53:22.048740+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"IBC reports 2023 net income of $411.8M, up 37% YoY; diluted EPS $6.62","bullets":["Annual net income $411.8M ($6.62 diluted EPS) vs $300.2M ($4.78) in 2022, increases of 37.2% and 38.5%.","Q4 net income $106.4M ($1.71 diluted EPS) vs $105.4M ($1.68) a year ago, modest 1.0% increase.","Net interest income rose to $663.5M from $487.6M, driven by higher rates; deposits fell to $11.8B from $12.7B.","Provision for loan losses increased to $34.6M from $21.7M; total assets $15.1B vs $15.5B.","CEO cites strong capital and balance sheet management; ROA among top publicly traded bank holding companies."],"urls":{"canonical":"https://secwatch.observer/filing/0001558370-24-001677","json":"https://secwatch.observer/filing/0001558370-24-001677.json","markdown":"https://secwatch.observer/filing/0001558370-24-001677.md","text":"https://secwatch.observer/filing/0001558370-24-001677.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/315709/000155837024001677/0001558370-24-001677-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/315709/000155837024001677/iboc-20240226x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-05T15:53:22.048740+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":"0ecba0171c3ae62162cb07790cf956236c470c54","claim":"INTERNATIONAL BANCSHARES CORP reported twelve months ended December 31, 2023 results: net income $411.8 million, EPS $6.62 diluted earnings per common share.","evidence_excerpt":"International Bancshares Corporation issued a news release announcing net income for the twelve months ended December 31, 2023.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/315709/000155837024001677/0001558370-24-001677-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"twelve months ended December 31, 2023"},{"label":"Net income","value":"$411.8 million"},{"label":"EPS","value":"$6.62 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"}