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  "documentTitle": "Independent Bank Corp | Results Presentation Deck | 30 slides",
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  "presentationDate": "2024-01-01 00:00:00",
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  "notes": "The slide uses a three-column layout to categorize financial projections.",
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      "kind": "list",
      "text": "The forecast assumes 0.25% Fed rate cuts... IBCP forecast of mid-single digit (6%-8%) growth is primarily supported by an increase in earning assets...",
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      "text": "IBCP forecast of mid-single digit (6%-8%) overall loan growth... This growth forecast also assumes a stable Michigan economy.",
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      "text": "Very difficult area to forecast... The allowance as a percentage of total loans was at 1.44% at 12/31/23... A full year 2024 provision (expense) for credit losses of approximately 0.15%-0.25%...",
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      "text": "Lending: Continued growth; Net Interest Income: Growth driven primarily by higher average earning assets; Provision for Credit Losses: Steady asset quality metrics",
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      "text": "Outlook for 2024",
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