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  "documentTitle": "Independent Bank Corp | Results Presentation Deck | 14 slides",
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  "authorName": "Independent Bank Corp",
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  "presentationDate": "2022-10-01 00:00:00",
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  "notes": "The slide uses a process-style flow to map specific financial categories to their respective outlooks.",
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      "kind": "list",
      "text": "Deposit Growth: Core deposits are expected to stay relatively flat; Time deposits are expected to decrease modestly",
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      "text": "Noninterest Income: Modest decreases are anticipated driven primarily by seasonal declines in deposit and interchange income",
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      "text": "Tax Rate: Tax rate expected to be approximately 25%",
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      "text": "Asset Quality: Though overall asset quality remains strong, economic uncertainty exists; Based on today's environment, credit loss and provision levels are expected to be minimal",
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      "text": "Net Interest Income: Asset sensitivity is expected to benefit net interest income and margin; Modest changes to short term liquidity; Q4 beta estimates: Fed Cash 100%, Loans 20-25%, Deposits 10-15%",
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      "text": "2022 Fourth Quarter Guidance",
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