{"schema_version":"secwatch.filing_event.v1","accession":"0001140361-22-026912","form_type":"8-K","ticker":"IBCP","cik":"0000039311","company_name":"INDEPENDENT BANK CORP /MI/","filed_at":"2022-07-26T23:59:59+00:00","discovered_at":"2026-05-14T18:03:57.838148+00:00","generated_at":"2026-06-24T08:54:36.629466+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Independent Bank Q2 net income $13.0M ($0.61 EPS), up 4.9%; loan growth 34% annualized","bullets":["Net income $13.0M vs $12.4M in Q2 2021; diluted EPS $0.61 vs $0.56.","Net interest income $36.1M, up 14.9% YoY; net interest margin 3.26% vs 3.02%.","Portfolio loans grew $254.8M (34% annualized); total deposits rose $173.5M from Dec 2021.","Net recoveries on loans; allowance for credit losses 1.47% of loans.","Q2 2022 share repurchases of 181,586 shares at $22.08 average price."],"urls":{"canonical":"https://secwatch.observer/filing/0001140361-22-026912","json":"https://secwatch.observer/filing/0001140361-22-026912.json","markdown":"https://secwatch.observer/filing/0001140361-22-026912.md","text":"https://secwatch.observer/filing/0001140361-22-026912.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/39311/000114036122026912/0001140361-22-026912-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/39311/000114036122026912/brhc10039905_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-24T08:54:36.629466+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"}