{"schema_version":"secwatch.filing_event.v1","accession":"0001140361-21-025990","form_type":"8-K","ticker":"IBCP","cik":"0000039311","company_name":"INDEPENDENT BANK CORP /MI/","filed_at":"2021-07-29T23:59:59+00:00","discovered_at":"2026-05-14T18:04:20.392495+00:00","generated_at":"2026-06-30T01:12:20.724460+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Independent Bank Q2 net income $12.4M ($0.56 EPS) vs $14.8M year ago; mortgage gains drop","bullets":["EPS $0.56 vs $0.67 in Q2 2020; net interest income up 3.1% to $31.4M.","Net gains on mortgage loans $9.1M vs $17.6M; origination $473.7M.","Non-interest expense $32.5M up from $27.3M, includes $1.1M conversion costs.","Provision for credit losses credit of $1.4M; net recoveries $0.6M.","Non-performing loans $5.1M (0.18% of loans); forbearance down 19.3% QoQ."],"urls":{"canonical":"https://secwatch.observer/filing/0001140361-21-025990","json":"https://secwatch.observer/filing/0001140361-21-025990.json","markdown":"https://secwatch.observer/filing/0001140361-21-025990.md","text":"https://secwatch.observer/filing/0001140361-21-025990.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/39311/000114036121025990/0001140361-21-025990-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/39311/000114036121025990/brhc10027222_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-30T01:12:20.724460+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"}