{"schema_version":"secwatch.filing_event.v1","accession":"0000712534-23-000046","form_type":"8-K","ticker":"FRME","cik":"0000712534","company_name":"FIRST MERCHANTS CORP","filed_at":"2023-01-26T23:59:59+00:00","discovered_at":"2026-05-14T18:03:47.834465+00:00","generated_at":"2026-06-20T08:40:27.088367+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"First Merchants reports record Q4 net income $70.3M, diluted EPS $1.19","bullets":["Net income available to common stockholders $70.3M; diluted EPS $1.19 vs $0.89 in Q4 2021.","Adjusted diluted EPS $1.19; full-year adjusted EPS $4.20 vs $3.38 in 2021.","Total loans grew $344.1M annualized 11.8% linked quarter (ex-PPP); deposits declined $52.1M.","Net interest income $149.0M, up $8.7M (6.2%) linked quarter; NIM (tax-equivalent) 3.72%.","Nonaccrual loans $42.3M, flat linked quarter; total risk-based capital ratio 13.08%."],"urls":{"canonical":"https://secwatch.observer/filing/0000712534-23-000046","json":"https://secwatch.observer/filing/0000712534-23-000046.json","markdown":"https://secwatch.observer/filing/0000712534-23-000046.md","text":"https://secwatch.observer/filing/0000712534-23-000046.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/712534/000071253423000046/0000712534-23-000046-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/712534/000071253423000046/frme-20230126.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-20T08:40:27.088367+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":[{"claim_id":"cb9ae56c6adbc169b131f1d469b59ccb92a61e65","claim":"FIRST MERCHANTS CORP reported the fourth quarter ended December 31, 2022 results: net income $70.3 million, EPS $1.19.","evidence_excerpt":"On January 26, 2023, First Merchants Corporation issued a press release to report its financial results for the fourth quarter ended December 31, 2022.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/712534/000071253423000046/0000712534-23-000046-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the fourth quarter ended December 31, 2022"},{"label":"Net income","value":"$70.3 million"},{"label":"EPS","value":"$1.19"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}