GPGrossPatternRESEARCH SYSTEM
SEC CHECK OPERATIONAL
GROSSPATTERN / FUNDAMENTAL STATE / POINT IN TIME

IBCP · Sep 30, 2021

INDEPENDENT BANK CORP /MI/. A multidimensional configuration derived from the filing available at this observation—never a composite score or recommendation.

STATE CAPABILITYLEVEL 3[email protected]
Inspectable configuration

State dimensions

Filing0001140361-21-036788Bank
Sequential deposit growth75thOwn-history percentile · N=20
Evidence method

Sequential · gp.financial.deposits

3.87% · CORE · VALID

Net-income growth5thOwn-history percentile · N=20
Evidence method

Yoy · gp.fundamentals.net_income

-18.49% · CORE · VALID

Interest-expense growth25thOwn-history percentile · N=20
Evidence method

Yoy · gp.financial.interest_expense

-33.12% · CORE · VALID

Interest-income growth30thOwn-history percentile · N=20
Evidence method

Yoy · gp.financial.interest_income

2.34% · CORE · VALID

Cash and equivalents95thOwn-history percentile · N=20
Evidence method

Level · gp.fundamentals.cash

$125.6M · CORE · VALID

As-filed lineage

Fundamental state history

Each observation is tied to the filing and facts available at that report date. Amendments remain separate.

History49 statesSelf-history eligible
Period transition

What moved in the state?

Deposit Growth Increased
Previous
0.10%
Current
3.87%
Delta
3.77%
Earnings Growth Decreased
Previous
-16.14%
Current
-18.49%
Delta
-2.36%
Funding Cost Growth Increased
Previous
-36.03%
Current
-33.12%
Delta
2.91%
Interest Income Growth Increased
Previous
-0.76%
Current
2.34%
Delta
3.10%
Liquidity Increased
Previous
$69.3M
Current
$125.6M
Delta
$56.4M
Self-history only

Previous similar states

Similarity compares compatible valid dimensions from this issuer's own point-in-time history. No market-return claim is attached.

Not enough compatible prior states for a transparent self-history match.
Research Graph

Related governed research

Method Percentiles and historical matches use only observations available at each point in time. Missing dimensions remain missing. Public price outcomes and cross-market analogues are deliberately absent.