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

IBCP · Dec 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

Filing0001140361-22-007951Bank
Sequential deposit growth65thOwn-history percentile · N=20
Evidence method

Sequential · gp.financial.deposits

2.62% · CORE · VALID

Net-income growth40thOwn-history percentile · N=20
Evidence method

Yoy · gp.fundamentals.net_income

12.01% · CORE · VALID

Interest-expense growth15thOwn-history percentile · N=20
Evidence method

Yoy · gp.financial.interest_expense

-48.73% · CORE · VALID

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

Yoy · gp.financial.interest_income

-1.25% · CORE · VALID

Cash and equivalents85thOwn-history percentile · N=20
Evidence method

Level · gp.fundamentals.cash

$109.5M · 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 Decreased
Previous
3.87%
Current
2.62%
Delta
-1.26%
Earnings Growth Increased
Previous
-18.49%
Current
12.01%
Delta
30.50%
Funding Cost Growth Decreased
Previous
-33.12%
Current
-48.73%
Delta
-15.61%
Interest Income Growth Decreased
Previous
2.34%
Current
-1.25%
Delta
-3.59%
Liquidity Decreased
Previous
$125.6M
Current
$109.5M
Delta
-$16.1M
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.