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Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
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<SEC-DOCUMENT>0001047469-04-030437.txt : 20041005
<SEC-HEADER>0001047469-04-030437.hdr.sgml : 20041005
<ACCEPTANCE-DATETIME>20041005125345
ACCESSION NUMBER:		0001047469-04-030437
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20041004
ITEM INFORMATION:		Other Events
FILED AS OF DATE:		20041005
DATE AS OF CHANGE:		20041005

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:		041065110

	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>a2144442z8-k.htm
<DESCRIPTION>8-K
<TEXT>
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<P ALIGN="CENTER"><FONT SIZE=4><B>UNITED STATES<BR>
SECURITIES AND EXCHANGE COMMISSION<BR>  </B></FONT><FONT SIZE=2><B>Washington, D.C. 20549  </B></FONT></P>

<P ALIGN="CENTER"><FONT SIZE=4><B>FORM 8-K  </B></FONT></P>

<P ALIGN="CENTER"><FONT SIZE=4><B>CURRENT REPORT<BR>  </B></FONT><FONT SIZE=2><B>Pursuant to Section&nbsp;13 or 15 (d)&nbsp;of The Securities Exchange Act of 1934  </B></FONT></P>

<P ALIGN="CENTER"><FONT SIZE=2>Date of Report (Date of earliest event reported): October&nbsp;4, 2004 </FONT></P>

<P ALIGN="CENTER"><FONT SIZE=4><B>INTERNATIONAL BANCSHARES CORPORATION<BR>  </B></FONT><FONT SIZE=2>(Exact Name of registrant as specified in its charter) </FONT></P>

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<TD WIDTH="32%" ALIGN="CENTER"><FONT SIZE=2><B>Texas<BR> </B></FONT><FONT SIZE=2>(State or other jurisdiction of incorporation)</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="32%" ALIGN="CENTER"><FONT SIZE=2><B>0-9439<BR> </B></FONT><FONT SIZE=2>(Commission File<BR>
Number)</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="32%" ALIGN="CENTER"><FONT SIZE=2><B>74-2157138<BR> </B></FONT><FONT SIZE=2>(IRS Employer Identification No.)</FONT></TD>
</TR>
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<TD WIDTH="49%" ALIGN="CENTER"><FONT SIZE=2><B>1200 San Bernardo, Laredo, Texas</B></FONT><FONT SIZE=2><BR>
(Address of principal executive offices)</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="49%" ALIGN="CENTER"><FONT SIZE=2><B>78040-1359</B></FONT><FONT SIZE=2><BR>
(ZIP Code)</FONT></TD>
</TR>
</TABLE>
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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>None<BR>
(Former name or former address, if changed since last report) </FONT></P>

<P><FONT SIZE=2>Check
the appropriate box below if the Form&nbsp;8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see
General Instruction A.2.below): </FONT></P>

<DL compact>
<DT style='margin-bottom:-11pt;'><FONT SIZE=2><FONT FACE="WINGDINGS">&#111;</FONT></FONT></DT><DD><FONT SIZE=2>Written
communications pursuant to Rule&nbsp;425 under the Securities Act (17 CFR 230.425)
<BR><BR></FONT></DD><DT style='margin-bottom:-11pt;'><FONT SIZE=2><FONT FACE="WINGDINGS">&#111;</FONT></FONT></DT><DD><FONT SIZE=2>Soliciting
material pursuant to Rule&nbsp;14a-12 under the Exchange Act (17 CFR 240.14a-12)
<BR><BR></FONT></DD><DT style='margin-bottom:-11pt;'><FONT SIZE=2><FONT FACE="WINGDINGS">&#111;</FONT></FONT></DT><DD><FONT SIZE=2>Pre-commencement
communications pursuant to Rule&nbsp;14d-2(b) under the Exchange Act (17 CFR
240.14d-2(b))
<BR><BR></FONT></DD><DT style='margin-bottom:-11pt;'><FONT SIZE=2><FONT FACE="WINGDINGS">&#111;</FONT></FONT></DT><DD><FONT SIZE=2>Pre-commencement
communications pursuant to Rule&nbsp;13e-4 (c)&nbsp;under the Exchange Act (17 CFR
240.13e-4 (c)) </FONT>
<BR>
</DD></DL>
<HR NOSHADE>
<P style='page-break-before:always'></p>
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<P><FONT SIZE=2><A
NAME="page_da1569_1_2"> </A> </FONT></P>

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<P><FONT SIZE=2><B>Item 8.01&#151;Other Events  </B></FONT></P>

<P><FONT SIZE=2>On
October&nbsp;4, 2004, International Bancshares Corporation issued a news release announcing the declaration of a forty cents per share discretionary cash dividend for all holders of Common Stock,
$1.00 par value, of record on October&nbsp;15, 2004 said cash dividend to be payable on November&nbsp;1, 2004. The news release, attached hereto and filed herewith as Exhibit&nbsp;99, is
incorporated herein by reference. </FONT></P>

<P><FONT SIZE=2>All
of the information furnished in Item 12 of this report and the accompanying exhibits are also intended to be included under "Item 9&#151;Regulation Fair Disclosure" and shall not be deemed
to be "filed" for the purposes of Section&nbsp;18 of the Securities and Exchange Act of 1934, as amended, is not subject to the liabilities of that section and shall not be incorporated by reference
in any filing under the Securities act of 1933, as amended. </FONT></P>

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

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<A NAME="page_da1569_1_3"> </A>
<P ALIGN="CENTER"><FONT SIZE=2><A
NAME="da1569_signatures"> </A>
<A NAME="toc_da1569_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="39%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD COLSPAN=2><FONT SIZE=2>INTERNATIONAL BANCSHARES CORPORATION<BR>
(Registrant)</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD WIDTH="39%"><FONT SIZE=2><BR>
&nbsp;</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD WIDTH="4%"><FONT SIZE=2><BR>
By:</FONT></TD>
<TD WIDTH="54%"><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, President,<BR>
and Chief Executive Officer</FONT></TD>
</TR>
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<P><FONT SIZE=2>Date:
October&nbsp;4, 2004 </FONT></P>

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

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<P><FONT SIZE=2><B>EXHIBIT INDEX  </B></FONT></P>

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<TD WIDTH="4%" ALIGN="RIGHT"><FONT SIZE=2>99</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="94%"><FONT SIZE=2>News Release of International Bancshares Corporation dated October 4, 2004.</FONT></TD>
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<BR>
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<FONT SIZE=2><A HREF="#toc_da1569_1">SIGNATURES</A></FONT><BR>
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</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99
<SEQUENCE>2
<FILENAME>a2144442zex-99.htm
<DESCRIPTION>EXHIBIT 99
<TEXT>
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<P ALIGN="RIGHT"><FONT SIZE=2><B>EXHIBIT 99  </B></FONT></P>

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<TD WIDTH="10%"><FONT SIZE=2>Contact:</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="43%"><FONT SIZE=2>Rosanne Palacios<BR>
International Bancshares Corporation<BR>
(956)&nbsp;726-6636 (Laredo)</FONT></TD>
<TD WIDTH="3%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="43%"><FONT SIZE=2>Judy Wawroski<BR>
International Bancshares Corporation<BR>
(956)&nbsp;722-7611 (Laredo)</FONT></TD>
</TR>
</TABLE>
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<P><FONT SIZE=2><B>FOR IMMEDIATE RELEASE  </B></FONT></P>

<P ALIGN="CENTER"><FONT SIZE=2><A
NAME="ma1569_international_bancshare__ma102508"> </A>
<A NAME="toc_ma1569_1"> </A>
<BR></FONT><FONT SIZE=2><B>INTERNATIONAL BANCSHARES CORPORATION ANNOUNCES<BR>  CASH DIVIDEND    <BR>    </B></FONT></P>

<P><FONT SIZE=2>LAREDO,
TX&#151;(BUSINESS WIRE) ....October&nbsp;4, 2004...International Bancshares Corporation ("IBC") today announced that on October&nbsp;1, 2004, the Board of Directors approved the
declaration of a </FONT><FONT SIZE=2><B>40 cents</B></FONT><FONT SIZE=2> per share discretionary cash dividend for shareholders of record as of October&nbsp;15, 2004, payable on November&nbsp;1,
2004. The cash dividend just announced is payable on shares after the effect of the 25% stock dividend distributed on May&nbsp;28, 2004. </FONT></P>

<P><FONT SIZE=2>"This
cash dividend is made possible because of the strong performance of IBC and the decision by the Board of Directors to pay the dividend as a result of the very positive change in the tax laws
reducing the tax on dividends to 15% thereby significantly benefiting IBC shareholders, "said Dennis E. Nixon, Chairman and CEO of IBC. "It is the inclination of the Board of Directors 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>Total
assets at June&nbsp;30, 2004, were </FONT><FONT SIZE=2><B>$9.3</B></FONT><FONT SIZE=2> billion compared to </FONT><FONT SIZE=2><B>$6.6</B></FONT><FONT SIZE=2> billion at December&nbsp;31,
2003. Total net loans were </FONT><FONT SIZE=2><B>$5.0</B></FONT><FONT SIZE=2> billion at June&nbsp;30, 2004 and </FONT><FONT SIZE=2><B>$2.7</B></FONT><FONT SIZE=2> billion at December&nbsp;31,
2003. Deposits at June&nbsp;30, 2004, were </FONT><FONT SIZE=2><B>$6.5</B></FONT><FONT SIZE=2> billion compared to </FONT><FONT SIZE=2><B>$4.4</B></FONT><FONT SIZE=2> billion at
December&nbsp;31, 2003. </FONT></P>

<P><FONT SIZE=2>IBC
is a </FONT><FONT SIZE=2><B>$9.3</B></FONT><FONT SIZE=2> billion multi-bank financial holding company headquartered in Laredo, Texas, with over 160 facilities and over 250 ATM's
serving more than 70 communities in Texas and Oklahoma. </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 SEC filings site located at http://www.sec.gov/edgar.shtml. </FONT></P>

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<P><br><A NAME="04HOU1569_2">QuickLinks</A><br></P><!-- TOC_BEGIN -->
<FONT SIZE=2><A HREF="#toc_ma1569_1">INTERNATIONAL BANCSHARES CORPORATION ANNOUNCES CASH DIVIDEND</A></FONT><BR>
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