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

IBCP · Jun 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

Filing0001140361-21-027322Bank
Sequential deposit growth15thOwn-history percentile · N=20
Evidence method

Sequential · gp.financial.deposits

0.10% · CORE · VALID

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

Yoy · gp.fundamentals.net_income

-16.14% · CORE · VALID

Interest-expense growth20thOwn-history percentile · N=20
Evidence method

Yoy · gp.financial.interest_expense

-36.03% · CORE · VALID

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

Yoy · gp.financial.interest_income

-0.76% · CORE · VALID

Cash and equivalents55thOwn-history percentile · N=20
Evidence method

Level · gp.fundamentals.cash

$69.3M · 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 Decreased
Previous
6.08%
Current
0.10%
Delta
-5.98%
Earnings Growth Decreased
Previous
358.15%
Current
-16.14%
Delta
-374.29%
Funding Cost Growth Increased
Previous
-58.83%
Current
-36.03%
Delta
22.81%
Interest Income Growth Increased
Previous
-8.65%
Current
-0.76%
Delta
7.89%
Liquidity Decreased
Previous
$130.5M
Current
$69.3M
Delta
-$61.3M
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.