{"schema_version":"secwatch.filing_event.v1","accession":"0001558370-24-014809","form_type":"8-K","ticker":"IBOC","cik":"0000315709","company_name":"INTERNATIONAL BANCSHARES CORP","filed_at":"2024-11-07T23:59:59+00:00","discovered_at":"2026-05-14T18:03:10.690182+00:00","generated_at":"2026-05-30T04:02:12.985202+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":"IBC reports Q3 2024 net income $99.8M, diluted EPS $1.60; 9M EPS $4.72, down 3.9% YoY","bullets":["Q3 net income $99.8M ($1.60 diluted EPS) vs $103.3M ($1.66) in Q3 2023, down 3.4% and 3.6% respectively.","9M 2024 net income $294.1M ($4.72 diluted EPS) vs $305.4M ($4.91) in 9M 2023, down 3.7% and 3.9%.","Net interest income pressured by higher deposit costs; non-interest expenses rose due to inflation and salary costs.","Total assets $15.9B, net loans $8.4B, deposits $12.1B at Sept 30, 2024 vs Dec 31, 2023.","CEO Dennis Nixon cites industry-leading results, focus on balance sheet management and cost controls."],"urls":{"canonical":"https://secwatch.observer/filing/0001558370-24-014809","json":"https://secwatch.observer/filing/0001558370-24-014809.json","markdown":"https://secwatch.observer/filing/0001558370-24-014809.md","text":"https://secwatch.observer/filing/0001558370-24-014809.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/315709/000155837024014809/0001558370-24-014809-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/315709/000155837024014809/iboc-20241107x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-30T04:02:12.985202+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"}