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

IBCP · Jun 30, 2022

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

Filing0001140361-22-028284Bank
Sequential deposit growth45thOwn-history percentile · N=20
Evidence method

Sequential · gp.financial.deposits

2.02% · CORE · VALID

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

Yoy · gp.fundamentals.net_income

4.95% · CORE · VALID

Interest-expense growth45thOwn-history percentile · N=20
Evidence method

Yoy · gp.financial.interest_expense

9.35% · CORE · VALID

Interest-income growth70thOwn-history percentile · N=20
Evidence method

Yoy · gp.financial.interest_income

14.52% · CORE · VALID

Cash and equivalents40thOwn-history percentile · N=20
Evidence method

Level · gp.fundamentals.cash

$59.5M · 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
2.15%
Current
2.02%
Delta
-0.12%
Earnings Growth Increased
Previous
-18.47%
Current
4.95%
Delta
23.42%
Funding Cost Growth Increased
Previous
-21.55%
Current
9.35%
Delta
30.91%
Interest Income Growth Increased
Previous
6.89%
Current
14.52%
Delta
7.63%
Liquidity Decreased
Previous
$109.8M
Current
$59.5M
Delta
-$50.3M
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.