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SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
FORM 10-Q
QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 FOR THE QUARTERLY PERIOD ENDED September 30, 2022
Commission file number   0-7818
INDEPENDENT BANK CORPORATION
(Exact name of registrant as specified in its charter)
Michigan38-2032782
(State or jurisdiction of Incorporation or Organization)(I.R.S. Employer Identification Number)
4200 East Beltline, Grand Rapids, Michigan 49525
(Address of principal executive offices)
(616) 527-5820
(Registrant's telephone number, including area code)
NONE
Former name, address and fiscal year, if changed since last report.
Securities registered pursuant to Section 12(b) of the Act:
Title of each ClassTrading SymbolName of each exchange which registered
Common stock, no par valueIBCP
The Nasdaq Stock Market, LLC
Indicate by check mark whether the registrant (1) has filed all documents and reports required to be filed by Sections 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days. YES x NO ¨
Indicate by check mark whether the registrant has submitted electronically and posted on its corporate Web site, if any, every Interactive Data File required to be submitted and posted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit and post such files).
YES x NO ¨
Indicate by check mark whether the Registrant is a large accelerated filer, an accelerated filer, non-accelerated filer, smaller reporting company or an emerging growth company.
Large accelerated filer ¨ Accelerated filer x Non-accelerated filer ¨ Smaller reporting company ¨ Emerging growth company ¨
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to section 13(a) of the Exchange Act. Yes ¨ No ¨
Indicate by check mark whether the Registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).
YES ¨ NO x
Indicate the number of shares outstanding of each of the issuer's classes of common stock, as of the latest practicable date: common stock, no par value, 21,065,144 as of November 3, 2022.




INDEPENDENT BANK CORPORATION AND SUBSIDIARIES
INDEX
Number(s)
8-58
42-77
1

FORWARD-LOOKING STATEMENTS
Statements in this report that are not statements of historical fact, including statements that include terms such as ‘‘will,’’ ‘‘may,’’ ‘‘should,’’ ‘‘believe,’’ ‘‘expect,’’ ‘‘forecast,’’ ‘‘anticipate,’’ ‘‘estimate,’’ ‘‘project,’’ ‘‘intend,’’ ‘‘likely,’’ ‘‘optimistic’’ and ‘‘plan’’ and statements about future or projected financial and operating results, plans, projections, objectives, expectations, and intentions, are forward-looking statements. Forward-looking statements include, but are not limited to, descriptions of plans and objectives for future operations, products or services; projections of our future revenue, earnings or other measures of economic performance; forecasts of credit losses and other asset quality trends; statements about our business and growth strategies; and expectations about economic and market conditions and trends. These forward-looking statements express our current expectations, forecasts of future events, or long-term goals. They are based on assumptions, estimates, and forecasts that, although believed to be reasonable, may turn out to be incorrect. Actual results could differ materially from those discussed in the forward-looking statements for a variety of reasons, including:
economic, market, operational, liquidity, credit, and interest rate risks associated with our business including the impact of the ongoing COVID-19 pandemic on each of these items;
economic conditions generally and in the financial services industry, particularly economic conditions within Michigan and the regional and local real estate markets in which our bank operates including the economic impact of the ongoing COVID-19 pandemic in each of these areas;
the failure of assumptions underlying the establishment of, and provisions made to, our allowance for credit losses;
increased competition in the financial services industry, either nationally or regionally;
our ability to achieve loan and deposit growth;
volatility and direction of market interest rates;
the continued services of our management team; and
implementation of new legislation, which may have significant effects on us and the financial services industry.
This list provides examples of factors that could affect the results described by forward-looking statements contained in this report, but the list is not intended to be all-inclusive. The risk factors disclosed in Part I – Item 1A of our Annual Report on Form 10-K for the year ended December 31, 2021, as updated by any new or modified risk factors disclosed in Part II – Item 1A of any subsequently filed Quarterly Report on Form 10-Q, include the known risks our management believes could materially affect the results described by forward-looking statements in this report. However, those risks may not be the only risks we face. Our results of operations, cash flows, financial position, and prospects could also be materially and adversely affected by additional factors that are not presently known to us that we currently consider to be immaterial, or that develop after the date of this report. We cannot assure you that our future results will meet expectations. While we believe the forward-looking statements in this report are reasonable, you should not place undue reliance on any forward-looking statement. In addition, these statements speak only as of the date made. We do not undertake, and expressly disclaim, any obligation to update or alter any statements, whether as a result of new information, future events, or otherwise, except as required by applicable law.
2


Part I - Item 1.
INDEPENDENT BANK CORPORATION AND SUBSIDIARIES
Condensed Consolidated Statements of Financial Condition
September 30,
2022
December 31,
2021
(unaudited)
(In thousands, except share
amounts)
Assets
Cash and due from banks$57,059 $51,069 
Interest bearing deposits13,573 58,404 
Cash and Cash Equivalents70,632 109,473 
Securities available for sale804,272 1,412,830 
Securities held to maturity (fair value of $341,129 at September 30, 2022 and zero at December 31, 2021)
379,429  
Federal Home Loan Bank and Federal Reserve Bank stock, at cost17,653 18,427 
Loans held for sale, carried at fair value9,091 55,470 
Loans held for sale, carried at lower of cost or fair value 34,811 
Loans
Commercial1,408,230 1,203,581 
Mortgage1,354,879 1,139,659 
Installment646,749 561,805 
Total Loans3,409,858 2,905,045 
Allowance for credit losses(51,142)(47,252)
Net Loans3,358,716 2,857,793 
Other real estate and repossessed assets348 245 
Property and equipment, net35,711 36,404 
Bank-owned life insurance55,146 55,279 
Capitalized mortgage loan servicing rights, carried at fair value43,158 26,232 
Other intangibles2,697 3,336 
Goodwill28,300 28,300 
Accrued income and other assets126,224 66,140 
Total Assets$4,931,377 $4,704,740 
Liabilities and Shareholders' Equity
Deposits
Non-interest bearing$1,376,765 $1,321,601 
Savings and interest-bearing checking1,957,421 1,897,487 
Reciprocal616,435 586,626 
Time308,262 308,438 
Brokered time68,145 2,938 
Total Deposits4,327,028 4,117,090 
Other borrowings86,707 30,009 
Subordinated debt39,414 39,357 
Subordinated debentures39,643 39,592 
Accrued expenses and other liabilities106,277 80,208 
Total Liabilities4,599,069 4,306,256 
Shareholders’ Equity
Preferred stock, no par value, 200,000 shares authorized; none issued or outstanding
  
Common stock, no par value, 500,000,000 shares authorized; issued and outstanding: 21,063,954 shares at September 30, 2022 and 21,171,036 shares at December 31, 2021
320,437 323,401 
Retained earnings108,916 74,582 
Accumulated other comprehensive income (loss)(97,045)501 
Total Shareholders’ Equity332,308 398,484 
Total Liabilities and Shareholders’ Equity$4,931,377 $4,704,740 
See notes to interim condensed consolidated financial statements (Unaudited)
3

INDEPENDENT BANK CORPORATION AND SUBSIDIARIES
Condensed Consolidated Statements of Operations
Three months ended
September 30,
Nine months ended
September 30,
2022202120222021
(Unaudited) (Unaudited)
(In thousands, except per share amounts)
Interest Income
Interest and fees on loans$37,092 $30,132 $96,964 $86,328 
Interest on securities
Taxable5,329 3,922 14,831 10,374 
Tax-exempt2,284 1,597 5,584 4,525 
Other investments220 204 651 629 
Total Interest Income44,925 35,855 118,030 101,856 
Interest Expense
Deposits3,625 1,090 5,608 3,488 
Other borrowings and subordinated debt and debentures1,403 962 3,463 2,888 
Total Interest Expense5,028 2,052 9,071 6,376 
Net Interest Income39,897 33,803 108,959 95,480 
Provision for credit losses3,145 (659)3,951 (2,558)
Net Interest Income After Provision for Credit Losses36,752 34,462 105,008 98,038 
Non-interest Income
Interchange income4,049 4,237 10,553 10,739 
Service charges on deposit accounts3,082 2,944 9,135 7,178 
Net gains (losses) on assets
Mortgage loans2,857 8,361 4,945 30,280 
Securities available for sale 5 (275)1,421 
Mortgage loan servicing, net4,283 1,271 18,086 4,476 
Other2,590 2,877 7,997 6,778 
Total Non-interest Income