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Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
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MIC-Info: RSA-MD5,RSA,
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 1la4MuotBaXduCaHjqbd1w==

<SEC-DOCUMENT>0000912057-02-033821.txt : 20020828
<SEC-HEADER>0000912057-02-033821.hdr.sgml : 20020828
<ACCEPTANCE-DATETIME>20020828150158
ACCESSION NUMBER:		0000912057-02-033821
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20020828
ITEM INFORMATION:		Other events
ITEM INFORMATION:		Financial statements and exhibits
FILED AS OF DATE:		20020828

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			INTERNATIONAL BANCSHARES CORP
		CENTRAL INDEX KEY:			0000315709
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		IRS NUMBER:				742157138
		STATE OF INCORPORATION:			TX
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-09439
		FILM NUMBER:		02751097

	BUSINESS ADDRESS:	
		STREET 1:		12OO SAN BERNARDO AVE
		STREET 2:		PO BOX 1359
		CITY:			LAREDO
		STATE:			TX
		ZIP:			78040-1359
		BUSINESS PHONE:		9567227611

	MAIL ADDRESS:	
		STREET 1:		P O BOX 1359
		STREET 2:		1200 SAN BERNARDO
		CITY:			LAREDO
		STATE:			TX
		ZIP:			78040
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>a2088346z8-k.htm
<DESCRIPTION>8-K
<TEXT>
<HTML>
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<TITLE>
</TITLE>
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<BODY BGCOLOR="#FFFFFF" LINK=BLUE  VLINK=PURPLE>
<BR>
<FONT SIZE=3 ><A HREF="#02HOU1657_1">QuickLinks</A></FONT>
<font size=3> -- Click here to rapidly navigate through this document</font>
<P ALIGN="CENTER"><FONT SIZE=5><B>SECURITIES AND EXCHANGE COMMISSION<BR>  </B></FONT><FONT SIZE=2><B>Washington, D.C. 20549  </B></FONT></P>

<HR NOSHADE ALIGN="CENTER" WIDTH="120">
<P ALIGN="CENTER"><FONT SIZE=5><B>FORM 8-K  </B></FONT></P>

<P ALIGN="CENTER"><FONT SIZE=5><B> CURRENT REPORT  </B></FONT></P>

<HR NOSHADE ALIGN="CENTER" WIDTH="228">
<P ALIGN="CENTER"><FONT SIZE=2>Pursuant to Section&nbsp;13 or 15 (d)&nbsp;of<BR>
The Securities Exchange Act of 1934 </FONT></P>

<P ALIGN="CENTER"><FONT SIZE=2>Date
of Report (Date of earliest event reported): August&nbsp;28, 2002 </FONT></P>

<P ALIGN="CENTER"><FONT SIZE=5><B>INTERNATIONAL BANCSHARES CORPORATION<BR>  </B></FONT><FONT SIZE=2>(Exact Name of Registrant as Specified in its Charter) </FONT></P>

<P ALIGN="CENTER"><FONT SIZE=2>Commission
File Number 0-9439 </FONT></P>

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<DIV ALIGN="CENTER"><TABLE WIDTH="48%" BORDER=0 CELLSPACING=0 CELLPADDING=0>
<TR VALIGN="TOP">
<TD WIDTH="59%" ALIGN="CENTER"><FONT SIZE=2><B>Texas<BR> </B></FONT><FONT SIZE=2>(State or other Jurisdiction<BR>
of incorporation or organization)</FONT></TD>
<TD WIDTH="12%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="28%" ALIGN="CENTER"><FONT SIZE=2><B>74-2157138<BR> </B></FONT><FONT SIZE=2>(I.R.S. Employer<BR>
Identification No.)</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD WIDTH="59%" ALIGN="CENTER"><FONT SIZE=2><BR>
&nbsp;</FONT></TD>
<TD WIDTH="12%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="28%"><FONT SIZE=2><BR>
&nbsp;</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD WIDTH="59%" ALIGN="CENTER"><FONT SIZE=2><B>1200 San Bernardo, Laredo, Texas<BR> </B></FONT><FONT SIZE=2>(Address of principal executive offices)</FONT></TD>
<TD WIDTH="12%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="28%" ALIGN="CENTER"><FONT SIZE=2><B>78040-1359</B></FONT><FONT SIZE=2><BR>
(ZIP Code)</FONT></TD>
</TR>
</TABLE></DIV>
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<P ALIGN="CENTER"><FONT SIZE=2>(Registrant's
telephone number, including area code) (956)&nbsp;722-7611 </FONT></P>

<P ALIGN="CENTER"><FONT SIZE=2><B>None</B></FONT></P>

<HR NOSHADE ALIGN="CENTER" WIDTH="240">
<P ALIGN="CENTER"><FONT SIZE=2><BR>
(Former name or former address, if changed since last report) </FONT></P>

<HR NOSHADE>
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<P><FONT SIZE=2><A
NAME="page_da1657_1_2"> </A> </FONT> <FONT SIZE=2><B>Item 5. Other Events  </B></FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;On
August&nbsp;28, 2002, International Bancshares Corporation issued a news release announcing the declaration of a thirty seven cents per share cash dividend for all holders of Common
Stock, $1.00 par value, of record on September&nbsp;27, 2002 with said cash dividend to be payable on October&nbsp;15, 2002. The news release, attached hereto and filed herewith as
Exhibit&nbsp;99, is incorporated herein by reference. </FONT></P>

<P><FONT SIZE=2><B>Item 7. Financial Statements and Exhibits  </B></FONT></P>

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<TR VALIGN="TOP">
<TD WIDTH="3%"><FONT SIZE=2>c.</FONT></TD>
<TD WIDTH="2%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="95%"><FONT SIZE=2>Exhibits</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD WIDTH="3%"><FONT SIZE=2><BR>
&nbsp;</FONT></TD>
<TD WIDTH="2%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="95%"><FONT SIZE=2><BR>
The following exhibit is filed as part of this report:</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD WIDTH="3%"><FONT SIZE=2><BR>
&nbsp;</FONT></TD>
<TD WIDTH="2%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="95%"><FONT SIZE=2><BR>
(99) News release of International Bancshares Corporation dated August&nbsp;28, 2002.<BR></FONT>
</TD>
</TR>
</TABLE></DIV>
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<P ALIGN="CENTER"><FONT SIZE=2>2</FONT></P>

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<P ALIGN="CENTER"><FONT SIZE=2><A
NAME="page_jc1657_1_3"> </A> </FONT></P>

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<P ALIGN="CENTER"><FONT SIZE=2><A
NAME="jc1657_signatures"> </A>
<A NAME="toc_jc1657_1"> </A>
<BR></FONT><FONT SIZE=2><B>SIGNATURES    <BR>  </B></FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Pursuant
to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized. </FONT></P>

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<TD WIDTH="47%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD COLSPAN=3><FONT SIZE=2>INTERNATIONAL BANCSHARES CORPORATION<BR>
&nbsp;&nbsp;(REGISTRANT)</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD WIDTH="47%"><FONT SIZE=2><BR>
&nbsp;</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="5%"><FONT SIZE=2><BR>
By:</FONT></TD>
<TD WIDTH="1%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="45%"><FONT SIZE=2><BR>
/s/&nbsp;&nbsp;</FONT><FONT SIZE=2>DENNIS E. NIXON</FONT><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><HR NOSHADE><FONT SIZE=2> DENNIS E. NIXON, </FONT><FONT SIZE=2><I>President,<BR>
and Chief Executive Officer<BR> </I></FONT></TD>
</TR>
</TABLE>
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<P><FONT SIZE=2>Date:
August&nbsp;28, 2002 </FONT></P>

<P ALIGN="CENTER"><FONT SIZE=2>3</FONT></P>

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<P ALIGN="CENTER"><FONT SIZE=2><A
NAME="je1657_exhibit_index"> </A>
<A NAME="toc_je1657_1"> </A>
<BR></FONT><FONT SIZE=2><B>EXHIBIT INDEX    <BR>  </B></FONT></P>

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<TR VALIGN="BOTTOM">
<TH WIDTH="12%" ALIGN="LEFT"><FONT SIZE=1><B>Exhibit Number<BR> </B></FONT><HR NOSHADE></TH>
<TH WIDTH="21%"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH WIDTH="54%" ALIGN="LEFT"><FONT SIZE=1><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Description<BR> </B></FONT><HR NOSHADE></TH>
<TH WIDTH="3%"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH WIDTH="10%" ALIGN="CENTER"><FONT SIZE=1><B>Page Number</B></FONT><HR NOSHADE></TH>
</TR>
<TR BGCOLOR="#CCEEFF" VALIGN="TOP">
<TD WIDTH="12%" ALIGN="RIGHT"><FONT SIZE=2>99</FONT></TD>
<TD WIDTH="21%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="54%"><FONT SIZE=2>News Release of International<BR>
Bancshares Corporation dated<BR>
August&nbsp;28, 2002.</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="10%" ALIGN="RIGHT"><FONT SIZE=2>5</FONT></TD>
</TR>
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<BR>
<P><br><A NAME="02HOU1657_1">QuickLinks</A><br></P>
<!-- TOC_BEGIN -->
<FONT SIZE=2><A HREF="#toc_jc1657_1">SIGNATURES</A></FONT><BR>
<!-- TOC_BEGIN -->
<FONT SIZE=2><A HREF="#toc_je1657_1">EXHIBIT INDEX</A></FONT><BR>
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</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99
<SEQUENCE>3
<FILENAME>a2088346zex-99.htm
<DESCRIPTION>EXHIBIT 99
<TEXT>
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<HEAD>
<TITLE>
</TITLE>
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<BR>
<FONT SIZE=3 ><A HREF="#02HOU1657_2">QuickLinks</A></FONT>
<font size=3> -- Click here to rapidly navigate through this document</font>
<!-- TOC_END -->
<P ALIGN="CENTER"><FONT SIZE=2><A
NAME="ma1657_exhibit_99"> </A>
<A NAME="toc_ma1657_1"> </A>
<BR></FONT><FONT SIZE=2><B>EXHIBIT 99    <BR>  </B></FONT></P>

<P><FONT SIZE=2><B>FOR IMMEDIATE RELEASE  </B></FONT></P>

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<TD WIDTH="10%"><FONT SIZE=2>Contact:</FONT></TD>
<TD WIDTH="2%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="43%"><FONT SIZE=2>Rosanne Palacios<BR>
Vice President of Marketing<BR>
International Bancshares Corporation<BR>
(956)&nbsp;726-6636 (Laredo)</FONT></TD>
<TD WIDTH="2%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="43%"><FONT SIZE=2>Judy Wawroski<BR>
Vice President<BR>
International Bancshares Corporation<BR>
(956)&nbsp;722-7611 (Laredo)<BR></FONT>
</TD>
</TR>
</TABLE>
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<P ALIGN="CENTER"><FONT SIZE=2><A
NAME="ma1657_international_bancshare__ma102493"> </A>
<A NAME="toc_ma1657_2"> </A>
<BR></FONT><FONT SIZE=2><B>INTERNATIONAL BANCSHARES CORPORATION INCREASES<BR>  CASH DIVIDEND    <BR>  </B></FONT></P>

<P><FONT SIZE=2><B>LAREDO, TX, .....August&nbsp;28, 2002......International Bancshares Corporation ("IBC")</B></FONT><FONT SIZE=2> today announced that on August&nbsp;22, 2002, the Board of
Directors approved the declaration of a thirty seven-cents (.37) per share cash dividend for shareholders of record as of September&nbsp;27, 2002, payable on October&nbsp;15, 2002. The cash
dividend just announced is payable on shares after the effect of the 25% stock dividend
distributed on June&nbsp;12, 2002, which dividend amount represents a 15.62% increase from the cash dividend paid on April&nbsp;15, 2002, on an adjusted per share basis. </FONT></P>

<P><FONT SIZE=2>"This
increase in the cash dividend was made possible because of the strong performance of IBC, " said Dennis E. Nixon, Chairman of the Board and CEO of IBC. "It is the inclination of the Board to
continue to declare these cash dividends, but any declaration of future cash dividends will depend upon IBC's financial position, acquisition opportunities and general business conditions at the
time." </FONT></P>

<P><FONT SIZE=2>On
August&nbsp;6, 2002, the company reported earnings for the first six months of 2002. Net income and earnings per share for the first six months of 2002 were $41.9&nbsp;million or $1.30 per
share-basic ($1.27 per share diluted) compared to $41.5&nbsp;million or $1.25 per share basic ($1.23 per share-diluted) in the corresponding 2001 period. The per share data is fully adjusted for
stock dividends, the most recent of which was a 25% stock dividend declared on May&nbsp;20, 2002. Total assets at June&nbsp;30, 2002, were $6.7&nbsp;billion compared to $5.8&nbsp;billion at
June&nbsp;30, 2001. </FONT></P>

<P><FONT SIZE=2>IBC
(NASDAQ: IBOC) is a $6.7&nbsp;billion multi-bank financial holding company headquartered in Laredo, Texas, with more than 100 facilities and more than 190 ATMs serving 40 communities
including Houston, San Antonio, Corpus Christi, McAllen, Brownsville, Port Lavaca, Zapata, Eagle Pass and several others in the central, southern and Gulf Coast regions of Texas. </FONT></P>


<P><FONT SIZE=2>"Safe
Harbor" statement under the Private Securities Litigation Reform Act of 1995: The statements contained in this release which are not historical facts contain forward looking information with
respect to plans, projections or future performance of IBC and its subsidiaries, the occurrence of which involve certain risks and uncertainties detailed in IBC's filings with the Securities and
Exchange Commission. </FONT></P>

<P><FONT SIZE=2>Copies
of IBC's SEC filings and Annual Report (as an exhibit to the 10-K) may be downloaded from the Internet at no charge from the SEC filings site located at
http://www.sec.gov/edgar.shtml. </FONT></P>

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<BR>
<P><br><A NAME="02HOU1657_2">QuickLinks</A><br></P><!-- TOC_BEGIN -->
<FONT SIZE=2><A HREF="#toc_ma1657_1">EXHIBIT 99</A></FONT><BR>
<FONT SIZE=2><A HREF="#toc_ma1657_2">INTERNATIONAL BANCSHARES CORPORATION INCREASES CASH DIVIDEND</A></FONT><BR>

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