{"schema_version":"secwatch.filing_event.v1","accession":"0000039311-22-000056","form_type":"8-K","ticker":"IBCP","cik":"0000039311","company_name":"INDEPENDENT BANK CORP /MI/","filed_at":"2022-10-25T23:59:59+00:00","discovered_at":"2026-05-14T18:03:53.199760+00:00","generated_at":"2026-06-23T01:26:32.150549+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"IBCP Q3 net income $17.3M ($0.81 EPS), NIM 3.49%, loan growth 18.4% annualized","bullets":["Net income $17.3M vs $16.0M a year ago; diluted EPS $0.81 vs $0.73.","Net interest income $39.9M (+18% YoY); NIM expanded 23bp to 3.49% from Q2.","Portfolio loans grew $151M (18.4% annualized); deposits up $209.9M since Dec 2021.","Provision for credit losses expense $3.1M vs credit of $0.7M a year ago.","Non-performing loans/total loans 0.11%; allowance for credit losses 1.50%."],"urls":{"canonical":"https://secwatch.observer/filing/0000039311-22-000056","json":"https://secwatch.observer/filing/0000039311-22-000056.json","markdown":"https://secwatch.observer/filing/0000039311-22-000056.md","text":"https://secwatch.observer/filing/0000039311-22-000056.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/39311/000003931122000056/0000039311-22-000056-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/39311/000003931122000056/ibcp-20221025.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-23T01:26:32.150549+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"}