{"schema_version":"secwatch.filing_event.v1","accession":"0001140361-22-002833","form_type":"8-K","ticker":"IBCP","cik":"0000039311","company_name":"INDEPENDENT BANK CORP /MI/","filed_at":"2022-01-27T23:59:59+00:00","discovered_at":"2026-05-14T18:04:09.283336+00:00","generated_at":"2026-06-27T15:08:04.687034+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Independent Bank Q4 net income $12.5M ($0.58 EPS) vs $17.0M year ago; full-year EPS up 13.8%","bullets":["Q4 2021 net income $12.5M ($0.58 diluted EPS) vs $17.0M ($0.77) in Q4 2020; full-year net income $62.9M ($2.88 EPS), up 12.0% from 2020.","Net interest income Q4 $34.3M, +10.6% YoY; net interest margin 3.13% vs 3.12% year ago.","Mortgage gains fell sharply: Q4 $5.6M vs $15.9M year ago; full year $35.9M vs $62.6M.","Non-performing loans dropped to $5.1M (0.18% of loans) from $7.9M (0.29%) at Dec 2020; allowance $47.3M (1.63% of loans).","Board authorized up to 1.1M share repurchase (~5% of outstanding) through Dec 2022."],"urls":{"canonical":"https://secwatch.observer/filing/0001140361-22-002833","json":"https://secwatch.observer/filing/0001140361-22-002833.json","markdown":"https://secwatch.observer/filing/0001140361-22-002833.md","text":"https://secwatch.observer/filing/0001140361-22-002833.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/39311/000114036122002833/0001140361-22-002833-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/39311/000114036122002833/brhc10033048_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-27T15:08:04.687034+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"}