{"schema_version":"secwatch.filing_event.v1","accession":"0000039311-24-000087","form_type":"8-K","ticker":"IBCP","cik":"0000039311","company_name":"INDEPENDENT BANK CORP /MI/","filed_at":"2024-10-24T23:59:59+00:00","discovered_at":"2026-05-14T18:03:10.743586+00:00","generated_at":"2026-05-30T10:43:22.880604+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Independent Bank Q3 net income $13.8M ($0.65 EPS); loan growth 9.3% annualized","bullets":["Net income $13.8M, down 21% from $17.5M in Q3 2023; diluted EPS $0.65 vs $0.83.","Net interest income $41.9M (+6.2% YoY); net interest margin 3.37% vs 3.23% YoY.","Loans grew $90.4M annualized 9.3% from Q2; core deposits up $100.1M annualized 8.9%.","Non-interest income $9.5M, down from $15.6M, driven by mortgage servicing fair value change of $(4.2)M.","Tangible book value per share $20.22, up 22% YoY; allowance for credit losses at 1.46% of loans."],"urls":{"canonical":"https://secwatch.observer/filing/0000039311-24-000087","json":"https://secwatch.observer/filing/0000039311-24-000087.json","markdown":"https://secwatch.observer/filing/0000039311-24-000087.md","text":"https://secwatch.observer/filing/0000039311-24-000087.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/39311/000003931124000087/0000039311-24-000087-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/39311/000003931124000087/ibcp-20241024.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-30T10:43:22.880604+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"}