{"schema_version":"secwatch.filing_event.v1","accession":"0001140361-22-015854","form_type":"8-K","ticker":"IBCP","cik":"0000039311","company_name":"INDEPENDENT BANK CORP /MI/","filed_at":"2022-04-26T23:59:59+00:00","discovered_at":"2026-05-14T18:04:03.254122+00:00","generated_at":"2026-06-26T04:48:36.964088+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"IBCP Q1 2022 EPS $0.84 vs $1.00 YoY; net interest income up 9% but mortgage fees plunge","bullets":["Net income $18.0M ($0.84 diluted EPS) vs $22.0M ($1.00) in Q1 2021; a 16% decline.","Net interest income rose 9% to $33.0M; net interest margin narrowed to 3.00% from 3.05%.","Non-interest income fell 28% to $18.9M as mortgage gains dropped to $0.8M from $12.8M.","Loan growth of $99M (13.8% annualized) and deposit growth of $88M (8.7% annualized).","Asset quality strong: NPLs 0.17%, allowance 1.52%; provision credit of $1.6M."],"urls":{"canonical":"https://secwatch.observer/filing/0001140361-22-015854","json":"https://secwatch.observer/filing/0001140361-22-015854.json","markdown":"https://secwatch.observer/filing/0001140361-22-015854.md","text":"https://secwatch.observer/filing/0001140361-22-015854.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/39311/000114036122015854/0001140361-22-015854-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/39311/000114036122015854/brhc10036647_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-26T04:48:36.964088+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"}