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  "documentTitle": "Independent Bank Corp | Results Presentation Deck | 27 slides",
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  "presentationDate": "2020-04-01 00:00:00",
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  "notes": "The slide highlights expense management strategies including branch closures and the impact of MSR valuation changes on efficiency ratios.",
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      "text": "Non-interest Expense ($M)",
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      "text": "Continued focus on expense control and driving positive operating leverage. MSR Change in value due to price of negative $5.9 million reduced mortgage loan servicing income and drove 1Q'20 efficiency ratio to 69.2%. Eight branch closings targeted for 3Q'20.",
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