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  "documentTitle": "Independent Bank Corp | Results Presentation Deck | 27 slides",
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  "authorName": "Independent Bank Corporation",
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  "presentationDate": "2020-10-01 00:00:00",
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  "notes": "Includes callouts for regional performance metrics and a map visualization of branch locations.",
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      "text": "Michigan regional map with branch dots",
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      "text": "Eight bank branches were closed (two on June 26, 2020 and six on July 31, 2020). The closures by region were: 3 in the East/\"Thumb\", 2 in the Central and 1 in the West, Northwest and Southeast. These closures reduce the total bank branch footprint to 60.",
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      "text": "Michigan’s community bank. #1 deposit market share amongst Michigan banks < $10B in assets and #10 deposit market share overall.",
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      "text": "New full service bank branch to open in Brighton, Michigan in 4Q’20.",
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      "text": "11 Loan Production Offices (LPOs), including 9 throughout Michigan and 2 in Ohio (residential mortgage lending only).",
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      "text": "Top 10 market share in 20 of 23 counties of operation – with opportunity to gain market share in attractive Michigan markets.",
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      "text": "Low cost and stable deposit base in East/\"Thumb\" and Central regions utilized to fund loan growth in the West and Southeast regions (higher growth & more metropolitan).",
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      "text": "Source: S&P Global Market Intelligence and Company documents. Map does not include loan production offices. Deposit market share data based on FDIC Summary of Deposits Annual Survey as of June 30, 2020.",
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      "text": "Our Michigan Markets",
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