{"schema_version":"secwatch.filing_event.v1","accession":"0001558370-24-006501","form_type":"8-K","ticker":"IBOC","cik":"0000315709","company_name":"INTERNATIONAL BANCSHARES CORP","filed_at":"2024-05-02T23:59:59+00:00","discovered_at":"2026-05-14T18:03:21.529472+00:00","generated_at":"2026-06-03T01:01:20.788314+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.55,"calibrated_materiality_score":0.55,"confidence":"high","headline":"International Bancshares Q1 net income $97.3M ($1.56 EPS), down 4.2% YoY","bullets":["Net income $97.3M ($1.56 diluted EPS) vs $101.6M ($1.63) in Q1 2023, a 4.2% decrease.","Net interest income pressured by higher deposit costs; provision for credit losses rose on one impaired credit.","Total assets $15.4B, net loans $8.0B, deposits $12.0B, all slightly higher than Dec 2023.","CEO cites strong balance sheet and cost controls; no forward guidance provided."],"urls":{"canonical":"https://secwatch.observer/filing/0001558370-24-006501","json":"https://secwatch.observer/filing/0001558370-24-006501.json","markdown":"https://secwatch.observer/filing/0001558370-24-006501.md","text":"https://secwatch.observer/filing/0001558370-24-006501.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/315709/000155837024006501/0001558370-24-006501-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/315709/000155837024006501/iboc-20240502x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-03T01:01:20.788314+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"}