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

IBCP · Sep 30, 2023

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

Filing0000039311-23-000091Bank
Sequential deposit growth60thOwn-history percentile · N=20
Evidence method

Sequential · gp.financial.deposits

2.18% · CORE · VALID

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

Yoy · gp.fundamentals.net_income

1.42% · CORE · VALID

Interest-expense growth90thOwn-history percentile · N=20
Evidence method

Yoy · gp.financial.interest_expense

357.54% · CORE · VALID

Interest-income growth90thOwn-history percentile · N=20
Evidence method

Yoy · gp.financial.interest_income

38.97% · CORE · VALID

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

Level · gp.fundamentals.cash

$127.5M · 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
-1.26%
Current
2.18%
Delta
3.44%
Earnings Growth Decreased
Previous
13.76%
Current
1.42%
Delta
-12.34%
Funding Cost Growth Decreased
Previous
750.98%
Current
357.54%
Delta
-393.44%
Interest Income Growth Decreased
Previous
51.05%
Current
38.97%
Delta
-12.08%
Liquidity Decreased
Previous
$129.2M
Current
$127.5M
Delta
-$1.7M
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.