{"schema_version":"secwatch.filing_event.v1","accession":"0000039311-24-000052","form_type":"8-K","ticker":"IBCP","cik":"0000039311","company_name":"INDEPENDENT BANK CORP /MI/","filed_at":"2024-04-25T23:59:59+00:00","discovered_at":"2026-05-14T18:03:21.606279+00:00","generated_at":"2026-06-03T08:32:54.813382+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"IBCP Q1 2024: EPS $0.76 (+24.6% YoY), loan growth 5.3% annualized, NIM 3.30%","bullets":["Net income $16.0M ($0.76 diluted EPS), up 24.6% YoY from $0.61.","Net interest income $40.2M, NIM 3.30% (up from 3.26% linked quarter).","Core deposits grew $95.7M (9.0% annualized) and loans grew $49.1M (5.3% annualized) from Dec 31, 2023.","Non-performing loans at 0.10% of portfolio; allowance for credit losses 1.47%.","Tangible book value per share $18.44, up 15.7% YoY."],"urls":{"canonical":"https://secwatch.observer/filing/0000039311-24-000052","json":"https://secwatch.observer/filing/0000039311-24-000052.json","markdown":"https://secwatch.observer/filing/0000039311-24-000052.md","text":"https://secwatch.observer/filing/0000039311-24-000052.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/39311/000003931124000052/0000039311-24-000052-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/39311/000003931124000052/ibcp-20240425.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-03T08:32:54.813382+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"}