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

IBCP · Mar 31, 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

Filing0001140361-21-016129Bank
Sequential deposit growth90thOwn-history percentile · N=20
Evidence method

Sequential · gp.financial.deposits

6.08% · CORE · VALID

Net-income growth100thOwn-history percentile · N=20
Evidence method

Yoy · gp.fundamentals.net_income

358.15% · CORE · VALID

Interest-expense growth0thOwn-history percentile · N=20
Evidence method

Yoy · gp.financial.interest_expense

-58.83% · CORE · VALID

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

Yoy · gp.financial.interest_income

-8.65% · CORE · VALID

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

Level · gp.fundamentals.cash

$130.5M · 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
1.10%
Current
6.08%
Delta
4.98%
Earnings Growth Increased
Previous
20.93%
Current
358.15%
Delta
337.22%
Funding Cost Growth Decreased
Previous
-38.45%
Current
-58.83%
Delta
-20.39%
Interest Income Growth Decreased
Previous
-6.11%
Current
-8.65%
Delta
-2.54%
Liquidity Increased
Previous
$118.7M
Current
$130.5M
Delta
$11.8M
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.