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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, 2024
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 reports required to be filed by Section 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 every Interactive Data File required to be submitted 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, a non-accelerated filer, a 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, 20,894,078 as of November 4, 2024.




INDEPENDENT BANK CORPORATION AND SUBSIDIARIES
INDEX
Number(s)
8-65
66-83
Item 5.
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;
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;
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, 2023, 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,
2024
December 31,
2023
(Unaudited)
(In thousands, except share
amounts)
Assets
Cash and due from banks$61,503 $68,208 
Interest bearing deposits60,057 101,573 
Cash and Cash Equivalents121,560 169,781 
Securities available for sale588,950 679,350 
Securities held to maturity (fair value of $314,638 at September 30, 2024 and $318,606 at December 31, 2023 )
343,362 353,988 
Federal Home Loan Bank and Federal Reserve Bank stock, at cost16,099 16,821 
Loans held for sale, carried at fair value14,029 12,063 
Loans
Commercial1,825,247 1,679,731 
Mortgage1,511,400 1,485,872 
Installment605,640 625,298 
Total Loans3,942,287 3,790,901 
Allowance for credit losses(57,444)(54,658)
Net Loans3,884,843 3,736,243 
Other real estate and repossessed assets, net781 569 
Property and equipment, net35,250 35,523 
Bank-owned life insurance54,017 54,341 
Capitalized mortgage loan servicing rights, carried at fair value40,204 42,243 
Other intangibles1,617 2,004 
Goodwill28,300 28,300 
Accrued income and other assets130,256 132,500 
Total Assets$5,259,268 $5,263,726 
Liabilities and Shareholders' Equity
Deposits
Non-interest bearing$1,023,739 $1,076,093 
Savings and interest-bearing checking1,947,571 1,905,701 
Reciprocal995,469 832,020 
Time620,446 524,325 
Brokered time39,650 284,740 
Total Deposits4,626,875 4,622,879 
Other borrowings 50,026 
Subordinated debt39,567 39,510 
Subordinated debentures39,779 39,728 
Accrued expenses and other liabilities100,678 107,134 
Total Liabilities4,806,899 4,859,277 
Commitments and contingent liabilities
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: 20,893,800 shares at September 30, 2024 and 20,835,633 shares at December 31, 2023
318,216 317,483 
Retained earnings192,405 159,108 
Accumulated other comprehensive loss(58,252)(72,142)
Total Shareholders’ Equity452,369 404,449 
Total Liabilities and Shareholders’ Equity$5,259,268 $5,263,726 
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,
2024202320242023
(Unaudited) (Unaudited)
(In thousands, except per share amounts)
Interest Income
Interest and fees on loans$58,410 $51,419 $170,239 $143,392 
Interest on securities
Taxable4,502 5,865 14,466 17,668 
Tax-exempt3,404 3,409 10,195 9,775 
Other investments2,018 1,739 4,898 3,481 
Total Interest Income68,334 62,432 199,798 174,316 
Interest Expense
Deposits24,462 20,743 70,148 51,964 
Other borrowings and subordinated debt and debentures2,018 2,262 6,253 6,134 
Total Interest Expense26,480 23,005 76,401 58,098 
Net Interest Income41,854 39,427 123,397 116,218 
Provision for credit losses1,488 1,350 2,251 6,827 
Net Interest Income After Provision for Credit Losses40,366 38,077 121,146 109,391 
Non-interest Income
Interchange income4,146 4,100 10,698 10,660 
Service charges on deposit accounts3,085 3,309 8,894 9,300 
Net gains (losses) on assets
Mortgage loans2,177 2,099 4,874 5,475 
Equity securities at fair value
(8) 2,685  
Securities available for sale(145) (414)(222)
Mortgage loan servicing, net(3,130)2,668 1,686 7,068 
Other3,383 3,435 8,818 9,298 
Total Non-interest Income9,508 15,611 37,241 41,579 
Non-interest Expense
Compensation and employee benefits20,048 19,975 62,069 59,916 
Data processing3,379 3,071 9,891 8,953 
Occupancy, net1,893 1,971 5,853 5,975 
Interchange expense1,149 1,119 3,373 3,222 
Furniture, fixtures and equipment932 927 2,834 2,782 
FDIC deposit insurance664 677 2,141 2,209 
Loan and collection657 520 1,868 1,718 
Advertising581 360 1,860 1,286 
Legal and professional687 543 1,717 1,623 
Communications519 568 1,633 1,871 
Costs (recoveries) related to unfunded lending commitments113 451 (676)76 
Other1,961 1,854 5,546 5,610 
Total Non-interest Expense32,583 32,036 98,109 95,241 
Income Before Income Tax17,291 21,652 60,278 55,729 
Income tax expense3,481 4,109 11,949 10,405 
Net Income$13,810 $17,543 $48,329 $45,324 
Net Income Per Common Share
Basic$0.66 $0.84 $2.31 $2.16 
Diluted$0.65 $0.83 $2.29 $2.14 
See notes to interim condensed consolidated financial statements (Unaudited)
4

INDEPENDENT BANK CORPORATION AND SUBSIDIARIES
Condensed Consolidated Statements of Comprehensive Income
Three months ended
September 30,
Nine months ended
September 30,
2024202320242023
(Unaudited - In thousands)
Net income$13,810 $17,543 $48,329 $45,324 
Other comprehensive income (loss)
Securities available for sale
Unrealized gains (losses) arising during period
11,822 (15,355)13,618 (1,592)
Accretion of net unrealized losses on securities transferred to held to maturity818 881 2,493 2,667 
Reclassification adjustments for losses included in earnings
145  414 222 
Unrealized gains (losses) recognized in other comprehensive income (loss) on securities available for sale
12,785 (14,474)16,525 1,297 
Income tax expense (benefit)
2,685 (3,040)3,470 272 
Unrealized gains (losses) recognized in other comprehensive income (loss) on securities available for sale, net of tax
10,100 (11,434)13,055 1,025 
Derivative instruments
Unrealized gains (losses) arising during period
2,744 (527)52 (940)
Reclassification adjustment for expense recognized in earnings390 72 1,005 224 
Unrealized gains (losses) recognized in other comprehensive income (loss) on derivative instruments
3,134 (455)1,057 (716)
Income tax expense (benefit)
658 (95)222 (150)
Unrealized gains (losses) recognized in other comprehensive income (loss) on derivative instruments, net of tax
2,476 (360)835 (566)
Other comprehensive income (loss)
12,576 (11,794)13,890 459 
Comprehensive income
$26,386 $5,749 $62,219 $45,783 
See notes to interim condensed consolidated financial statements (Unaudited)
5

INDEPENDENT BANK CORPORATION AND SUBSIDIARIES
Condensed Consolidated Statements of Cash Flows
Nine months ended September 30,
20242023
(Unaudited - In thousands)
Net Income$48,329 $45,324 
Adjustments to Reconcile Net Income to Net Cash From Operating Activities  
Proceeds from sales of equity securities at fair value
2,685  
Proceeds from sales of loans held for sale279,046 273,766 
Disbursements for loans held for sale(276,535)(255,601)
Provision for credit losses2,251 6,827 
Deferred income tax expense (benefit)
(150)821 
Net deferred loan costs
149 285 
Net depreciation, amortization of intangible assets and premiums and accretion of discounts on securities and loans7,522 7,478 
Net gains on mortgage loans(4,874)(5,475)
Net gains on equity securities at fair value
(2,685) 
Net losses on securities available for sale414 222 
Share based compensation1,744 1,670 
Increase in accrued income and other assets
(2,437)(14,642)
Decrease in accrued expenses and other liabilities
(8,677)(1,887)
Total Adjustments(1,547)