{"schema_version":"secwatch.filing_event.v1","accession":"0001558370-24-010562","form_type":"8-K","ticker":"IBOC","cik":"0000315709","company_name":"INTERNATIONAL BANCSHARES CORP","filed_at":"2024-08-01T23:59:59+00:00","discovered_at":"2026-05-14T18:03:15.479546+00:00","generated_at":"2026-05-31T14:04:51.190642+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"IBOC reports Q2 2024 net income $97.0M ($1.56 EPS), down 3.5% YoY","bullets":["Net income for H1 2024 was $194.3M ($3.12 diluted EPS) vs $202.1M ($3.25) in H1 2023, a 3.9% decrease.","Q2 2024 net income $97.0M ($1.56 EPS) vs $100.5M ($1.62) in Q2 2023.","Net interest income positively impacted by higher asset yields; interest expense increased due to higher deposit rates.","Provision for credit losses increased, driven by a charge-down of an impaired credit after a bankruptcy-related foreclosure.","Total assets $15.5B at June 30, 2024 vs $15.1B at Dec 31, 2023; deposits $12.0B vs $11.8B."],"urls":{"canonical":"https://secwatch.observer/filing/0001558370-24-010562","json":"https://secwatch.observer/filing/0001558370-24-010562.json","markdown":"https://secwatch.observer/filing/0001558370-24-010562.md","text":"https://secwatch.observer/filing/0001558370-24-010562.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/315709/000155837024010562/0001558370-24-010562-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/315709/000155837024010562/iboc-20240801x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-31T14:04:51.190642+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"}