<SEC-DOCUMENT>0001104659-23-046051.txt : 20230417
<SEC-HEADER>0001104659-23-046051.hdr.sgml : 20230417
<ACCEPTANCE-DATETIME>20230417131109
ACCESSION NUMBER:		0001104659-23-046051
CONFORMED SUBMISSION TYPE:	DEFA14A
PUBLIC DOCUMENT COUNT:		2
FILED AS OF DATE:		20230417
DATE AS OF CHANGE:		20230417

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:		DEFA14A
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-09439
		FILM NUMBER:		23823407

	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>DEFA14A
<SEQUENCE>1
<FILENAME>tm231980-5_defa14a.htm
<DESCRIPTION>DEFA14A
<TEXT>
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    <title>tm231980-5_defa14a - none - 2.3125403s</title>
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          <font style="letter-spacing:-0.28pt;">UNITED STATES</font>
          <br >
          <font style="letter-spacing:-0.28pt;">SECURITIES AND EXCHANGE COMMISSION</font>
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        <div style="margin-top:2pt; text-align:center; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">Washington, D.C. 20549</font><font style="font-weight:normal;font-size:14pt;">&#8203;<font style="letter-spacing:0.28pt;"> </font></font>
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        <div style="margin-top:12pt; text-align:center; width:456pt; line-height:16pt;font-weight:bold;font-size:14pt;">
          <font style="letter-spacing:-0.28pt;">SCHEDULE 14A</font><font style="font-weight:normal;letter-spacing:0.28pt;"> </font>
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        <div style="margin-top:8pt; text-align:center; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">(Rule&#160;14a101)</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:-0.28pt;">SCHEDULE 14A INFORMATION</font><font style="font-weight:normal;letter-spacing:0.28pt;"> </font>
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        <div style="margin-top:8pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Proxy Statement Pursuant to Section&#160;14(a) of</font>
          <br >
          <font style="letter-spacing:0.2pt;">the Securities Exchange Act of 1934 (Amendment No.&#8199;&#8199; ) </font>
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          <font style="letter-spacing:0.2pt;">Filed by the Registrant &#9746; </font>
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          <font style="letter-spacing:0.2pt;">Filed by a Party other than the Registrant &#9744;</font>
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          <font style="letter-spacing:0.2pt;">Check the appropriate box: </font>
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          <font style="letter-spacing:0.2pt;">&#9744;</font>
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          <font style="letter-spacing:0.2pt;">Preliminary Proxy Statement </font>
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          <font style="font-weight:bold;letter-spacing:-0.2pt;">Confidential, for Use of the Commission Only (as permitted by Rule&#160;14a-6(e)(2))</font><font style="letter-spacing:0.2pt;"> </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style=" float:left; line-height:12pt; margin-top:8pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#9744;</font>
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        <div style=" margin-top:8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:20pt;">
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          <font style="letter-spacing:0.2pt;">Definitive Proxy Statement </font>
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        <div style=" float:left; line-height:12pt; margin-top:8pt; margin-bottom:0pt; text-align:left; width:20pt;white-space:nowrap;">
          <font style="letter-spacing:0.2pt;">&#9746;</font>
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        <div style=" margin-top:8pt; margin-bottom:0pt; line-height:12pt; text-align:left; margin-left:20pt;">
          <!--blacklining:none;-->
          <font style="letter-spacing:0.2pt;">Definitive Additional Materials </font>
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          <font style="letter-spacing:0.2pt;">&#9744;</font>
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          <font style="letter-spacing:0.2pt;">Soliciting Material Pursuant to &#167;240.14a-12 </font>
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        <div style="clear:both; padding:0pt; margin:0pt;font-size:0pt;line-height:0pt;">&#8203;</div>
        <div style="margin-top:12pt; text-align:center; width:456pt; line-height:14pt;font-size:14pt;">
          <font style="font-weight:bold;letter-spacing:-0.28pt;">INTERNATIONAL BANCSHARES CORPORATION </font>
          <br >
          <font style="font-size:10pt;letter-spacing:0.2pt;">(Name of Registrant as Specified In Its Charter)</font><font style="letter-spacing:0.28pt;"> </font>
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        <div style="margin-top:8pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">(Name of Person(s) Filing Proxy Statement, if other than the Registrant) </font>
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        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Payment of Filing Fee (Check the appropriate box): </font>
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          <font style="letter-spacing:0.2pt;">&#9746;</font>
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          <font style="letter-spacing:0.2pt;">No fee required. </font>
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          <font style="letter-spacing:0.2pt;">Fee paid previously with preliminary materials. </font>
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          <font style="letter-spacing:0.2pt;">&#9744;</font>
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          <font style="letter-spacing:0.2pt;">Fee computed on table in exhibit required by Item&#160;25(b) per Exchange Act Rules 14a6(i)(1) and 0-11.</font>
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      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">&#8203;</div>
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          <font style="letter-spacing:0.2pt;">&nbsp;&nbsp;&nbsp;</font>
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          <font style="letter-spacing:0.2pt;">&nbsp;&nbsp;&nbsp;</font>
          <br >
          <font style="letter-spacing:0.2pt;">&nbsp;&nbsp;&nbsp;</font>
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          <font style="letter-spacing:0.2pt;">&nbsp;&nbsp;&nbsp; </font>
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        <div style="margin-top:8pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">April&#160;17, 2023 </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">My Fellow Shareholders: </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; text-align:justify; width:456pt; line-height:11.5pt;font-weight:bold;">
          <font style="font-weight:normal;letter-spacing:0.2pt;">Once again, we are preparing for our </font><font style="letter-spacing:-0.2pt;">Annual Shareholders&#8217; Meeting on Monday, </font><font style=" text-decoration:underline #000000 solid;font-style:italic;letter-spacing:-0.2pt;">May&#160;15, 2023, at 5:00&#160;pm,</font><font style="font-style:italic;letter-spacing:-0.2pt;"> which will be held</font><font style="letter-spacing:-0.2pt;"> in person as we did last year. We encourage everyone to arrive no later than 4:30&#160;p.m. to avoid delays in beginning the meeting promptly at 5:00 p.m</font><font style="font-weight:normal;letter-spacing:0.2pt;">. The meeting will be held at the </font><font style=" text-decoration:underline #000000 solid;font-style:italic;letter-spacing:-0.2pt;">IBC Annex Building at 2416 Jacaman Rd. Laredo, Texas 78041</font><font style="font-style:italic;letter-spacing:-0.2pt;">. W</font><font style="letter-spacing:-0.2pt;">e will celebrate our 57</font><font style=" position:relative; bottom:4.25pt;font-size:7.5pt;letter-spacing:-0.15pt;">th</font><font style="letter-spacing:-0.2pt;"> anniversary in September of this year, and vow to continue working hard to achieve another successful 57&#160;years.</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
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          <font style="letter-spacing:0.2pt;">In preparation for the meeting, I&#8217;m enclosing the Annual Report to Shareholders containing financial statements audited by RSM US LLP, as well as the formal Notice of Annual Meeting of Shareholders, Proxy Statement and a Proxy Card. The Proxy Card has been provided for the purpose of voting on the election of Directors and other issues to be presented at the meeting. </font><font style="font-weight:bold;letter-spacing:-0.2pt;">In order to have a quorum at the meeting, I urge you to complete and sign the Proxy Card and return it in the enclosed self-addressed envelope.</font><font style="letter-spacing:0.2pt;"> </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; text-align:justify; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">IBC continues to achieve some of the best returns in its history even with the huge challenges we faced with COVID-19 because we focused on revenue performance and especially cost controls. We delivered the best year in our long and successful history in 2022. As we move forward, excellence must continue to be the objective to sustain our record of being a high-performance bank holding company. You have my commitment to keep that focus. </font>
        </div>
        <table style="width:376pt;height:51.07pt;margin-left:40pt;margin-top:10pt;border-collapse: collapse;font-style:normal;font-weight:bold;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:8pt;">
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            <td style="border-bottom:1px solid #FFFFFF;padding:0pt 0pt 0.5pt 0pt; width:210.56pt;text-align:left;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:6pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 1pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">2022 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:12pt;">&#8203;</td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:12pt;">&#8203;</td>
            <td style="border-bottom:1px solid #000000;padding:0pt 0pt 1pt 0pt;" colspan="4">
              <div style="white-space:nowrap; text-align:center;">
                <font style="letter-spacing:-0.16pt;">2021 </font>
              </div>
            </td>
            <td style="padding:0pt;border-bottom:1px solid #FFFFFF; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.49000000000001pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:9.5pt;">
            <td style="padding:1.257pt 0pt 0.5pt 0pt; width:210.56pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.19pt;">Net Income </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.257pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:1.257pt 0pt 0.5pt 0pt; min-width:48pt; text-align:right; white-space:nowrap;">300,232,000</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:12pt;">&#8203;</td>
            <td style="padding:0pt; width:12pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.257pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:1.257pt 0pt 0.5pt 0pt; min-width:48pt; text-align:right; white-space:nowrap;">253,922,000</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.49000000000001pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:9.5pt;">
            <td style="padding:1.517pt 0pt 0.5pt 0pt; width:210.56pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.19pt;">Total Assets </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.517pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:1.517pt 0pt 0.5pt 0pt; min-width:48pt; text-align:right; white-space:nowrap;">15,501,467,000</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:12pt;">&#8203;</td>
            <td style="padding:0pt; width:12pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.517pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:1.517pt 0pt 0.5pt 0pt; min-width:48pt; text-align:right; white-space:nowrap;">16,046,236,000</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.49000000000001pt;background-color:#CCEEFF;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:9.5pt;">
            <td style="padding:1.517pt 0pt 0.5pt 0pt; width:210.56pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.19pt;">Return on Your Shareholders&#8217; Equity </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.517pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.517pt 0pt 0.5pt 0pt; min-width:48pt; text-align:right; white-space:nowrap;">12.52<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:12pt;">&#8203;</td>
            <td style="padding:0pt; width:12pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.517pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">&#8203;</td>
            <td style="padding:1.517pt 0pt 0.5pt 0pt; min-width:48pt; text-align:right; white-space:nowrap;">11.28<font style="position:absolute;">%</font></td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
          </tr>
          <tr style="line-height:9.49000000000001pt;white-space:nowrap;text-align:center;vertical-align:bottom;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:9.5pt;">
            <td style="padding:1.517pt 0pt 0.5pt 0pt; width:210.56pt;text-align:left;">
              <div style="white-space:nowrap;">
                <font style="letter-spacing:0.19pt;">Basic Earnings per Share&#8212;Adjusted for Dividends </font>
              </div>
            </td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt; width:6pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.517pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:1.517pt 0pt 0.5pt 0pt; min-width:48pt; text-align:right; white-space:nowrap;">4.83</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:12pt;">&#8203;</td>
            <td style="padding:0pt; width:12pt;">&#8203;</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:1.517pt 0pt 0.5pt 0pt; min-width:3.75pt; text-align:right; ">$</td>
            <td style="padding:1.517pt 0pt 0.5pt 0pt; min-width:48pt; text-align:right; white-space:nowrap;">4.01</td>
            <td style="padding:0pt;padding-left:0pt;width:0pt;">&#8203;</td>
            <td style="padding:0pt; width:0pt;">&#8203;</td>
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        <div style="text-indent:20pt; margin-top:7.8pt; text-align:justify; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">The world appears to be finally coming to grips with COVID-19, as many businesses are now operating normally. That is clearly the case at IBC. We are back to full operations. Although we had to briefly close some branches during the intense periods of COVID-19, we never shut our physical branches down and sent our people home. We stood our ground and continued to provide the essential services our customers and communities deserve. The effects of COVID-19 still linger, including with respect to supply chain disruptions, creating many problems for virtually every business. All these disruptions created by the pandemic are proving difficult to overcome. The struggles that our country now faces with exploding inflation and the terrible Ukraine war may prove more difficult to overcome than the pandemic. The country is facing a huge new crisis spawned by excessive government spending during the fight to overcome the Covid pandemic. With government pouring trillions into the economies all over the world, inflation has been turned loose to ravage the world&#8217;s economies, including America. This inflation has set the FED on an aggressive inflation fighting war that has more than doubled borrowing costs for customers and is rapidly raising bank deposit costs by 300 to 400&#160;percent. As we emerge from 12&#160;years of zero interest rates, this aggressive action is causing many collateral consequences. We have seen the first negative reaction with the takeover of Silicon Valley Bank (SVB) and Signature Bank in New York by the FDIC. As a result of that shock, the Treasury and FED took immediate steps by providing full insurance coverage for all the depositors at those two banks in order to contain the panic that could have resulted in a contagion disrupting the entire banking system and causing extreme negative consequences. Although the water has stayed choppy, the negative conditions appear to be settling down. Time will tell how this next act of the banking problems will play out. Hopefully, the leadership of our country and around the world will make the right decisions to allow our nation and the world to successfully navigate this challenging period. </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; text-align:justify; width:456pt; line-height:11.5pt;">
          <font style="letter-spacing:0.2pt;">I want to make sure each shareholder understands, your management team has been intensely focused on protecting the future of IBC and your investment. As we pointed out in our earnings release on February&#160;23, 2023, your management team took immediate and effective steps to right-size IBC&#8217;s operation during 2020-2021 to make certain that every area of your company was performing and doing so at the lowest cost possible. </font>
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      <div style="margin-top:2.00000000000002pt;margin-bottom:35.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <hr >
    </div>
    <div style=" width:595.3pt;margin-left:auto;margin-right:auto;font-style:normal;font-weight:normal;font-variant:normal;text-transform:none;color:#000000;font-family:Times New Roman, Times, serif ;font-size:10pt;">
      <div style="padding:0pt;margin:0pt;font-family:calibri, arial, sans-serif;font-weight:normal;font-style:normal;font-size:8pt;line-height:8pt;">&#8203;</div>
      <div style="margin-top:15.85pt;height:24pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:17pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:6pt;margin-bottom:196pt;margin-left:69.66pt;width:456pt;">
        <div style="text-align:justify; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">We reduced expenses in the last two&#160;years by 15% and continued to build the company&#8217;s non-interest income. Those effective steps are why we have produced an exceptional 2022. In our press release announcing our record 2022 earnings, I said: &#8220;In addition to this stellar performance in 2022, we are confident in our exceptionally strong capital position, significant liquidity, strong relationship deposit base and responsive management strategies to position us for continued success.&#8221; I want to reaffirm those remarks by clearly stating that IBC is solid. We have managed through many, many crisis periods over our 57&#160;years and have always continued to succeed because our primary responsibility is to protect the deposits of our customers and perform for you, our shareholders. When you start with these core values and you never forget your duty, you will always succeed. </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; text-align:justify; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">On January&#160;31, 2023, your Board of Directors approved a sixty-three cents ($.63) per share cash dividend payable to all holders of common stock, $1.00 par value, of record on February&#160;15, 2023, which was paid to you on February&#160;28, 2023. This dividend was increased by 5% from our immediately preceding dividend, which continues our history of increasing dividends. </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; text-align:justify; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">As you know, we participate in the householding program, and each household will only receive one copy of IBC&#8217;s 2022 Annual Report, Notice of Annual Meeting and Proxy Statement. However, each registered shareholder in the household will receive a personalized Proxy Card with the voting shares, which will allow each shareholder to vote independently. </font><font style="font-weight:bold;letter-spacing:-0.2pt;">Furthermore, to reduce our cost and improve the dividend payment process, we urge you to select direct deposit to receive your cash dividend.</font><font style="letter-spacing:0.2pt;"> </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; text-align:justify; width:456pt; line-height:12pt;font-weight:bold;">
          <font style="letter-spacing:-0.2pt;">AS ALWAYS, WE ENCOURAGE YOU TO VOTE YOUR SHARES PRIOR TO THE MEETING BY COMPLETING, SIGNING, AND RETURNING THE PROXY CARD.</font><font style="font-weight:normal;letter-spacing:0.2pt;"> </font>
        </div>
        <div style="text-indent:20pt; margin-top:8pt; text-align:justify; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">As in prior&#160;years, we plan on having a social time immediately following our business session to provide you an opportunity to visit with your staff and enjoy the evening. Just one last reminder, </font><font style="font-weight:bold;letter-spacing:-0.2pt;">the meeting will begin promptly at 5:00&#160;p.m. and it will be held at the IBC Annex Building on Jacaman Road. Please plan on arriving early in order to be assembled for the start of the meeting.</font><font style="letter-spacing:0.2pt;"> </font>
        </div>
        <div style="margin-left:260pt; margin-top:8pt; width:196pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Sincerely yours, </font>
        </div>
        <div style="position:relative;margin-left:260pt; margin-top:4pt; width:196pt;">
          <img src="sg_dennisnixon-bw.jpg" alt="[MISSING IMAGE: sg_dennisnixon-bw.jpg]" height="52" width="58" >
        </div>
        <div style="margin-left:260pt; margin-top:7pt; width:196pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Dennis E. Nixon </font>
          <br >
          <font style="letter-spacing:0.2pt;">President </font>
        </div>
        <div style="margin-top:8pt; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">Enclosures</font>
        </div>
      </div>
      <div style="margin-top:0pt;height:12pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">&#160;</font>
          <br >
        </div>
      </div>
      <div style="margin-top:2pt;margin-bottom:21.86pt;margin-left:69.66pt;width:456pt;">
        <div style="margin-top:5pt; text-align:center; width:456pt; line-height:12pt;">
          <font style="letter-spacing:0.2pt;">2</font>
          <br >
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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
