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        <link:definition>090100 - Disclosure - ACCOUNTING POLICIES (Details)</link:definition>
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        <link:definition>090300 - Disclosure - SECURITIES (Details)</link:definition>
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  <xs:element name="PresentValueOfNetServicingRevenueMember" id="ibcp_PresentValueOfNetServicingRevenueMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="FairValueInputsAssetsAndLiabilitiesQuantitativeInformationLineItems" id="ibcp_FairValueInputsAssetsAndLiabilitiesQuantitativeInformationLineItems" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="QuantitativeInformationAboutLevel3FairValueMeasurementMeasuredOnNonRecurringBasisAbstract" id="ibcp_QuantitativeInformationAboutLevel3FairValueMeasurementMeasuredOnNonRecurringBasisAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="ImpairedLoansMortgageMember" id="ibcp_ImpairedLoansMortgageMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="OtherRealEstateMortgageAndInstallmentMember" id="ibcp_OtherRealEstateMortgageAndInstallmentMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="ImpairedLoansCommercialMember" id="ibcp_ImpairedLoansCommercialMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="OtherRealEstateCommercialMember" id="ibcp_OtherRealEstateCommercialMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="ImpairedLoanAbstract" id="ibcp_ImpairedLoanAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="CommercialFairValueDisclosure" id="ibcp_CommercialFairValueDisclosure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="ImpairedLoansCommercial" id="ibcp_ImpairedLoansCommercial" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="MortgageAndInstallmentFairValueDisclosure" id="ibcp_MortgageAndInstallmentFairValueDisclosure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="CapitalizedMortgageLoanServicingRightsFairValueDisclosure" id="ibcp_CapitalizedMortgageLoanServicingRightsFairValueDisclosure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="UnobservableInputsWeightedAverageAbstract" id="ibcp_UnobservableInputsWeightedAverageAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="FairValueInputsAdjustmentForDifferencesBetweenComparableSales" id="ibcp_FairValueInputsAdjustmentForDifferencesBetweenComparableSales" type="num:percentItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="FairValueInputsCostOfService" id="ibcp_FairValueInputsCostOfService" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" />
  <xs:element name="FairValueInputsAncillaryIncome" id="ibcp_FairValueInputsAncillaryIncome" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" />
  <xs:element name="FairValueInputsCapitalizationRate" id="ibcp_FairValueInputsCapitalizationRate" type="num:percentItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="FairValueInputsFloatRate" id="ibcp_FairValueInputsFloatRate" type="num:percentItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="ImpairedLoansMortgage" id="ibcp_ImpairedLoansMortgage" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="TimeDepositsDenominationsAmount" id="ibcp_TimeDepositsDenominationsAmount" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" />
  <xs:element name="TimeDeposits250000OrMore" id="ibcp_TimeDeposits250000OrMore" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" />
  <xs:element name="SummaryOfReciprocalDepositsAbstract" id="ibcp_SummaryOfReciprocalDepositsAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="ReciprocalMoneyMarketDeposits" id="ibcp_ReciprocalMoneyMarketDeposits" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" />
  <xs:element name="ReciprocalDeposits" id="ibcp_ReciprocalDeposits" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" />
  <xs:element name="ReciprocalDemandDeposits" id="ibcp_ReciprocalDemandDeposits" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" />
  <xs:element name="ReciprocalTimeDeposits" id="ibcp_ReciprocalTimeDeposits" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" />
  <xs:element name="ValueOfCollateralDependentImpairedLoansThatWillBeReviewedBySpecialAssetsGroupMaximum" id="ibcp_ValueOfCollateralDependentImpairedLoansThatWillBeReviewedBySpecialAssetsGroupMaximum" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="ImpairedLoansMember" id="ibcp_ImpairedLoansMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="CommercialOtherRealEstateAbstract" id="ibcp_CommercialOtherRealEstateAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="InstallmentOtherRealEstateAbstract" id="ibcp_InstallmentOtherRealEstateAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="HomeEquityInstallment1stLienFairValueDisclosure" id="ibcp_HomeEquityInstallment1stLienFairValueDisclosure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="IncomeProducingRealEstateFairValueDisclosure" id="ibcp_IncomeProducingRealEstateFairValueDisclosure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="MortgageOtherRealEstateAbstract" id="ibcp_MortgageOtherRealEstateAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="HomeEquityMortgage1stLienFairValueDisclosure" id="ibcp_HomeEquityMortgage1stLienFairValueDisclosure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="ResortLendingFairValueDisclosure" id="ibcp_ResortLendingFairValueDisclosure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="Family1To4FairValueDisclosure" id="ibcp_Family1To4FairValueDisclosure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="ImpairedLoansAbstract" id="ibcp_ImpairedLoansAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="CommercialImpairedLoansAbstract" id="ibcp_CommercialImpairedLoansAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="MortgagesImpairedLoansAbstract" id="ibcp_MortgagesImpairedLoansAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="LandLandDevelopmentAndConstructionRealEstateFairValueDisclosure" id="ibcp_LandLandDevelopmentAndConstructionRealEstateFairValueDisclosure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="ValueOfCollateralDependentImpairedLoansThatWillBeReviewedByIndependentThirdPartyMinimum" id="ibcp_ValueOfCollateralDependentImpairedLoansThatWillBeReviewedByIndependentThirdPartyMinimum" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="OtherRealEstateMember" id="ibcp_OtherRealEstateMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="CapitalizedMortgageLoanServicingRightsAdditionalIncomeCharges" id="ibcp_CapitalizedMortgageLoanServicingRightsAdditionalIncomeCharges" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" />
  <xs:element name="CapitalizedMortgageLoanServicingRightsCarryingAmount" id="ibcp_CapitalizedMortgageLoanServicingRightsCarryingAmount" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="OtherRealEstateImpairedNetReserves" id="ibcp_OtherRealEstateImpairedNetReserves" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="CollateralDependentLoansValuationAllowance" id="ibcp_CollateralDependentLoansValuationAllowance" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" />
  <xs:element name="FairValueOptionChangesInFairValueGainLoss2" id="ibcp_FairValueOptionChangesInFairValueGainLoss2" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" />
  <xs:element name="CollateralDependentLoansCarryingAmount" id="ibcp_CollateralDependentLoansCarryingAmount" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="ImpairmentCollateralDependentOtherThanRealEstate" id="ibcp_ImpairmentCollateralDependentOtherThanRealEstate" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" />
  <xs:element name="PercentageOfVotingInterestOwnedByRelatedParty" id="ibcp_PercentageOfVotingInterestOwnedByRelatedParty" type="num:percentItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" />
  <xs:element name="BorrowingRelationshipExceedsLevelForRelatedParty" id="ibcp_BorrowingRelationshipExceedsLevelForRelatedParty" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" />
  <xs:element name="EffectiveYieldsOfPaymentPlanReceivables" id="ibcp_EffectiveYieldsOfPaymentPlanReceivables" type="num:percentItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" />
  <xs:element name="ResidentialHomeEquityAndOtherJuniorMortgagesMember" id="ibcp_ResidentialHomeEquityAndOtherJuniorMortgagesMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="PaymentsToAcquireMortgageLoansReceivable" id="ibcp_PaymentsToAcquireMortgageLoansReceivable" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" />
  <xs:element name="AgriculturePortfolioSegmentMember" id="ibcp_AgriculturePortfolioSegmentMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="PaymentPlanReceivablePortfolioSegmentMember" id="ibcp_PaymentPlanReceivablePortfolioSegmentMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="PaymentPlanReceivablesTotal" id="ibcp_PaymentPlanReceivablesTotal" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="ResidentialMortgageLoansWeightedAverageServicingFeePercentage" id="ibcp_ResidentialMortgageLoansWeightedAverageServicingFeePercentage" type="num:percentItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="ConstructionAndLandImprovementsMember" id="ibcp_ConstructionAndLandImprovementsMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="UnamortizedDiscount" id="ibcp_UnamortizedDiscount" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="MortgageLoansWeightedAverageRemainingContractualMaturity" id="ibcp_MortgageLoansWeightedAverageRemainingContractualMaturity" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="RealEstatePortfolioSegmentMember" id="ibcp_RealEstatePortfolioSegmentMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="CommercialLoanPortfolioSegmentExcludingRealEstatePortfolioSegmentMember" id="ibcp_CommercialLoanPortfolioSegmentExcludingRealEstatePortfolioSegmentMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="FinancingReceivableModificationsOfStatedInterestRatePeriodExtension" id="ibcp_FinancingReceivableModificationsOfStatedInterestRatePeriodExtension" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="FinancingReceivableModificationsOfMaturityDateExtension" id="ibcp_FinancingReceivableModificationsOfMaturityDateExtension" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="AllowanceForDoubtfulAccountsReceivableChargeOffsDueToTDR" id="ibcp_AllowanceForDoubtfulAccountsReceivableChargeOffsDueToTDR" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" />
  <xs:element name="TroubledDebtRestructuring" id="ibcp_TroubledDebtRestructuring" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="TdrThatSubsequentlyDefaultedAbstract" id="ibcp_TdrThatSubsequentlyDefaultedAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="FinancingReceivableModificationsOfMaturityDate" id="ibcp_FinancingReceivableModificationsOfMaturityDate" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="AdditionalAmountsCommittedToLendAsTroubledDebtRestructurings" id="ibcp_AdditionalAmountsCommittedToLendAsTroubledDebtRestructurings" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="LoansClassifiedAsTroubledDebtRestructuringsAbstract" id="ibcp_LoansClassifiedAsTroubledDebtRestructuringsAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="AllowanceForDoubtfulAccountsReceivablePeriodIncreaseDecreaseDueToTDR" id="ibcp_AllowanceForDoubtfulAccountsReceivablePeriodIncreaseDecreaseDueToTDR" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" />
  <xs:element name="TroubledDebtRestructuringLoansAndLeasesReceivableSpecificAllowance" id="ibcp_TroubledDebtRestructuringLoansAndLeasesReceivableSpecificAllowance" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" />
  <xs:element name="CommercialLandLandDevelopmentRealEstateConstructionFinancingReceivableMember" id="ibcp_CommercialLandLandDevelopmentRealEstateConstructionFinancingReceivableMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="ResortLendingMember" id="ibcp_ResortLendingMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="Family14Member" id="ibcp_Family14Member" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="PurchasedLoansMember" id="ibcp_PurchasedLoansMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="HomeEquitySecondLienMember" id="ibcp_HomeEquitySecondLienMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="LoansNotSecuredByRealEstateMember" id="ibcp_LoansNotSecuredByRealEstateMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="CommercialIncomeProducingRealEstateReceivableMember" id="ibcp_CommercialIncomeProducingRealEstateReceivableMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="InstallmentPortfolioSegmentMember" id="ibcp_InstallmentPortfolioSegmentMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="FinancingReceivableModificationsOfStatedInterestRatePeriod" id="ibcp_FinancingReceivableModificationsOfStatedInterestRatePeriod" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="InstallmentOtherMember" id="ibcp_InstallmentOtherMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="HomeEquityFirstLienMember" id="ibcp_HomeEquityFirstLienMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="PastDuePeriodForModifiedLoans" id="ibcp_PastDuePeriodForModifiedLoans" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="ScheduleOfLoansAndFinancingReceivablesServicedForOthersTable" id="ibcp_ScheduleOfLoansAndFinancingReceivablesServicedForOthersTable" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="ScheduleOfLoansAndFinancingReceivablesServicedForOthersLineItems" id="ibcp_ScheduleOfLoansAndFinancingReceivablesServicedForOthersLineItems" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="AnalysisOfCapitalizedMortgageLoanServicingRightsAbstract" id="ibcp_AnalysisOfCapitalizedMortgageLoanServicingRightsAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueAverageServicingFeeRate" id="ibcp_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueAverageServicingFeeRate" type="num:percentItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueDiscountRateAveragePsaRate" id="ibcp_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueDiscountRateAveragePsaRate" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueAverageCouponRate" id="ibcp_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueAverageCouponRate" type="num:percentItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="MortgageLoansOnRealEstateServiced" id="ibcp_MortgageLoansOnRealEstateServiced" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="MortgageLoansServicedForOthersAbstract" id="ibcp_MortgageLoansServicedForOthersAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="MaximumPercentageOfDeclineInNetWorthForTwoConsecutiveQuarters" id="ibcp_MaximumPercentageOfDeclineInNetWorthForTwoConsecutiveQuarters" type="num:percentItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" />
  <xs:element name="HighestLevelOfCapitalAmount" id="ibcp_HighestLevelOfCapitalAmount" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" />
  <xs:element name="PrincipalAmountOutstandingOnLoansServicedForOthers" id="ibcp_PrincipalAmountOutstandingOnLoansServicedForOthers" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" />
  <xs:element name="PercentageOfDeclineInNetWorthDuringPeriod" id="ibcp_PercentageOfDeclineInNetWorthDuringPeriod" type="num:percentItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" />
  <xs:element name="MaximumPercentageOfDeclineInNetWorthForOneConsecutiveQuarter" id="ibcp_MaximumPercentageOfDeclineInNetWorthForOneConsecutiveQuarter" type="num:percentItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" />
  <xs:element name="HighestLevelOfCapitalAmountPlus" id="ibcp_HighestLevelOfCapitalAmountPlus" type="num:percentItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="FannieMaeMember" id="ibcp_FannieMaeMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="FreddieMacMember" id="ibcp_FreddieMacMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="GinnieMaeMember" id="ibcp_GinnieMaeMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="OtherMortgageLoansServicedMember" id="ibcp_OtherMortgageLoansServicedMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="MaximumNumberOfConsecutiveQuarterlyLossesRecordedForProfitabilityRequirement" id="ibcp_MaximumNumberOfConsecutiveQuarterlyLossesRecordedForProfitabilityRequirement" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" />
  <xs:element name="AverageRecordedInvestmentInAndInterestIncomeEarnedOnImpairedLoansByClassTableTextBlock" id="ibcp_AverageRecordedInvestmentInAndInterestIncomeEarnedOnImpairedLoansByClassTableTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="ScheduleOfOtherMortgageLoansServicesPrincipalBalancesTableTextBlock" id="ibcp_ScheduleOfOtherMortgageLoansServicesPrincipalBalancesTableTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="TroubledDebtRestructuringsDuringPeriodTableTextBlock" id="ibcp_TroubledDebtRestructuringsDuringPeriodTableTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="ScheduleOfCapitalizedMortgageLoanServicingRightsTableTextBlock" id="ibcp_ScheduleOfCapitalizedMortgageLoanServicingRightsTableTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="TroubledDebtRestructuringDuringPastTwelveMonthsThatSubsequentlyDefaultedTableTextBlock" id="ibcp_TroubledDebtRestructuringDuringPastTwelveMonthsThatSubsequentlyDefaultedTableTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="CreditRatingsOfOfInsurerOrRiskRetentionGroupCounterpartiesAbstract" id="ibcp_CreditRatingsOfOfInsurerOrRiskRetentionGroupCounterpartiesAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="PaymentPlanReceivablePartialRefund" id="ibcp_PaymentPlanReceivablePartialRefund" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="SubsidiaryOutstandingPaymentPlanInsuredByThirdPartyTwo" id="ibcp_SubsidiaryOutstandingPaymentPlanInsuredByThirdPartyTwo" type="num:percentItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" />
  <xs:element name="PaymentPlanReceivablesFullRefund" id="ibcp_PaymentPlanReceivablesFullRefund" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="PaymentPlanReceivableOtherAssets" id="ibcp_PaymentPlanReceivableOtherAssets" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="PaymentPlanReceivable" id="ibcp_PaymentPlanReceivable" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="Watch78Member" id="ibcp_Watch78Member" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="NonAccrual1011Member" id="ibcp_NonAccrual1011Member" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="SubstandardAccrual9Member" id="ibcp_SubstandardAccrual9Member" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="LoanRatingsCreditScoresByLoanClassAbstract" id="ibcp_LoanRatingsCreditScoresByLoanClassAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="AccruedInterestIncludedInRecordedInInvestmentInLoans" id="ibcp_AccruedInterestIncludedInRecordedInInvestmentInLoans" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="CreditScore550To599" id="ibcp_CreditScore550To599" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="CreditScore650To699" id="ibcp_CreditScore650To699" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="CreditScore500To549" id="ibcp_CreditScore500To549" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="Unknown" id="ibcp_Unknown" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="CreditScore600To649" id="ibcp_CreditScore600To649" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="CreditScore750To799" id="ibcp_CreditScore750To799" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="CreditScoreUnder500" id="ibcp_CreditScoreUnder500" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="CreditScore700To749" id="ibcp_CreditScore700To749" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="EightHundredsAndAbove" id="ibcp_EightHundredsAndAbove" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="CreditScoreByInvestment" id="ibcp_CreditScoreByInvestment" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="NonWatch16Member" id="ibcp_NonWatch16Member" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="NotRatedMember" id="ibcp_NotRatedMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="SubsidiaryOutstandingPaymentPlanInsuredByThirdParty" id="ibcp_SubsidiaryOutstandingPaymentPlanInsuredByThirdParty" type="num:percentItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" />
  <xs:element name="NonPerformingLoanInterestIncomeRecorded" id="ibcp_NonPerformingLoanInterestIncomeRecorded" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" />
  <xs:element name="AgingAnalysisOfLoansByClassAbstract" id="ibcp_AgingAnalysisOfLoansByClassAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="LoansAndLeasesReceivableRecordedInvestment" id="ibcp_LoansAndLeasesReceivableRecordedInvestment" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="AccruedInterestNonPerformingLoan" id="ibcp_AccruedInterestNonPerformingLoan" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" />
  <xs:element name="NonPerformingLoansAbstract" id="ibcp_NonPerformingLoansAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="FinancingReceivableRecordedInvestmentNonPerformingLoans" id="ibcp_FinancingReceivableRecordedInvestmentNonPerformingLoans" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="PaymentPlanReceivableOtherMember" id="ibcp_PaymentPlanReceivableOtherMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="PaymentPlanReceivablePartialRefundMember" id="ibcp_PaymentPlanReceivablePartialRefundMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="PaymentPlanReceivablesFullRefundMember" id="ibcp_PaymentPlanReceivablesFullRefundMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="FinancingReceivablesEqualToGreaterThan30DaysPastDueMember" id="ibcp_FinancingReceivablesEqualToGreaterThan30DaysPastDueMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="NonPerformingLoanInterestIncome" id="ibcp_NonPerformingLoanInterestIncome" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" />
  <xs:element name="AdditionsDeductionsAbstract" id="ibcp_AdditionsDeductionsAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="AllowanceForLoanLossesAbstract" id="ibcp_AllowanceForLoanLossesAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="AccruedInterestImpairedLoans" id="ibcp_AccruedInterestImpairedLoans" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" />
  <xs:element name="ImpairedLoanWithAnAllocatedAllowanceAbstract" id="ibcp_ImpairedLoanWithAnAllocatedAllowanceAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="AverageRecordedInvestmentInAndInterestIncomeEarnedOnImpairedLoansByClassAbstract" id="ibcp_AverageRecordedInvestmentInAndInterestIncomeEarnedOnImpairedLoansByClassAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="ImpairedLoanWithNoAllocatedAllowanceAbstract" id="ibcp_ImpairedLoanWithNoAllocatedAllowanceAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="TroubledDebtRestructuringAmount" id="ibcp_TroubledDebtRestructuringAmount" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="ImpairedFinancingReceivables" id="ibcp_ImpairedFinancingReceivables" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="NonTroubledDebtRestructuringAllowanceBasedOnCollateral" id="ibcp_NonTroubledDebtRestructuringAllowanceBasedOnCollateral" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="TroubledDebtRestructuringAllowancesBasedOnCollateral" id="ibcp_TroubledDebtRestructuringAllowancesBasedOnCollateral" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="TroubledDebtRestructuringAllowancesBasedOnPresentValueCashFlow" id="ibcp_TroubledDebtRestructuringAllowancesBasedOnPresentValueCashFlow" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="NonTroubledDebtRestructuringImpairedFinancingReceivableWithNoRelatedAllowanceUnpaidPrincipalBalance" id="ibcp_NonTroubledDebtRestructuringImpairedFinancingReceivableWithNoRelatedAllowanceUnpaidPrincipalBalance" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="ImpairedFinancingReceivableRelatedAllowanceWithNoRelatedAllowance" id="ibcp_ImpairedFinancingReceivableRelatedAllowanceWithNoRelatedAllowance" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="NonTroubledDebtRestructuringAllowanceBasedOnPresentValueCashFlow" id="ibcp_NonTroubledDebtRestructuringAllowanceBasedOnPresentValueCashFlow" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="AmountOfAllowanceForLoanLossesAllocatedAbstract" id="ibcp_AmountOfAllowanceForLoanLossesAllocatedAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="AllowanceForLoanLossesAllocated" id="ibcp_AllowanceForLoanLossesAllocated" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" />
  <xs:element name="TroubledDebtRestructuringAllowanceBasedOnPresentValueCashFlow" id="ibcp_TroubledDebtRestructuringAllowanceBasedOnPresentValueCashFlow" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" />
  <xs:element name="NonTroubledDebtRestructuringAllowancesBasedOnCollateral" id="ibcp_NonTroubledDebtRestructuringAllowancesBasedOnCollateral" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" />
  <xs:element name="TroubledDebtRestructuringAllowanceBasedOnCollateral" id="ibcp_TroubledDebtRestructuringAllowanceBasedOnCollateral" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" />
  <xs:element name="NonTroubledDebtRestructuringAllowancesBasedOnPresentValueCashFlow" id="ibcp_NonTroubledDebtRestructuringAllowancesBasedOnPresentValueCashFlow" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" />
  <xs:element name="StockholdersEquityAttributableToParentAsAdjusted" id="ibcp_StockholdersEquityAttributableToParentAsAdjusted" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" />
  <xs:element name="TransfersToOtherLiabilitiesHeldForSale" id="ibcp_TransfersToOtherLiabilitiesHeldForSale" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" />
  <xs:element name="CashPaidForReceivedFromBranchSale" id="ibcp_CashPaidForReceivedFromBranchSale" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" />
  <xs:element name="PaymentsToAcquirePortfolioLoans" id="ibcp_PaymentsToAcquirePortfolioLoans" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" />
  <xs:element name="PrincipalPaymentsReceivedOnAvailableForSaleSecurities" id="ibcp_PrincipalPaymentsReceivedOnAvailableForSaleSecurities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" />
  <xs:element name="ProceedsFromSaleOfFederalReserveStockAndFederalHomeLoanStock" id="ibcp_ProceedsFromSaleOfFederalReserveStockAndFederalHomeLoanStock" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" />
  <xs:element name="TransfersToPaymentPlanReceivablesAndOtherAssetsHeldForSale" id="ibcp_TransfersToPaymentPlanReceivablesAndOtherAssetsHeldForSale" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" />
  <xs:element name="TransferOfPaymentPlanReceivablesToVehicleServiceContractCounterpartyReceivables" id="ibcp_TransferOfPaymentPlanReceivablesToVehicleServiceContractCounterpartyReceivables" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" />
  <xs:element name="ProceedsFromCollectionOfVehicleServiceContractCounterpartyReceivables" id="ibcp_ProceedsFromCollectionOfVehicleServiceContractCounterpartyReceivables" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" />
  <xs:element name="CashPaidDuringPeriodForAbstract" id="ibcp_CashPaidDuringPeriodForAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="NetIncreaseDecreaseInVehicleServiceContractCounterpartyPayables" id="ibcp_NetIncreaseDecreaseInVehicleServiceContractCounterpartyPayables" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" />
  <xs:element name="PurchaseOfSecuritiesAvailableForSaleNotYetSettled" id="ibcp_PurchaseOfSecuritiesAvailableForSaleNotYetSettled" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" />
  <xs:element name="ProceedsFromMaturityOfAvailableForSaleSecurities" id="ibcp_ProceedsFromMaturityOfAvailableForSaleSecurities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" />
  <xs:element name="LitigationSettlementExpenses" id="ibcp_LitigationSettlementExpenses" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" />
  <xs:element name="GainOnBranchSale" id="ibcp_GainOnBranchSale" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" />
  <xs:element name="LossOnSaleOfPaymentPlanBusiness" id="ibcp_LossOnSaleOfPaymentPlanBusiness" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" />
  <xs:element name="VehicleServiceContractCounterpartyContingencies" id="ibcp_VehicleServiceContractCounterpartyContingencies" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" />
  <xs:element name="GainLossOnSaleOfAndFairValueAdjustmentsOnLoansAndLeases" id="ibcp_GainLossOnSaleOfAndFairValueAdjustmentsOnLoansAndLeases" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" />
  <xs:element name="VehicleServiceContractCounterpartyReceivablesNetPolicyTextBlock" id="ibcp_VehicleServiceContractCounterpartyReceivablesNetPolicyTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="CapitalizedMortgageLoanServicingRightsPolicyTextBlock" id="ibcp_CapitalizedMortgageLoanServicingRightsPolicyTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="FEDERALRESERVEBANKSTOCKPolicyTextBlock" id="ibcp_FEDERALRESERVEBANKSTOCKPolicyTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="InterestBearingDepositsPolicyTextBlock" id="ibcp_InterestBearingDepositsPolicyTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="OtherRealEstateAndRepossessedAssetsPolicyTextBlock" id="ibcp_OtherRealEstateAndRepossessedAssetsPolicyTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="PaymentPlanReceivableRevenueRecognitionPolicyTextBlock" id="ibcp_PaymentPlanReceivableRevenueRecognitionPolicyTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="FederalHomeLoanBankAdvancesPolicyTextBlock" id="ibcp_FederalHomeLoanBankAdvancesPolicyTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="BankOwnedLifeInsurancePolicyTextBlock" id="ibcp_BankOwnedLifeInsurancePolicyTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="PaymentPlanReceivablesAndOtherAssetsHeldForSalePolicyTextBlock" id="ibcp_PaymentPlanReceivablesAndOtherAssetsHeldForSalePolicyTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="VehicleServiceContractCounterpartyReceivablesNet" id="ibcp_VehicleServiceContractCounterpartyReceivablesNet" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="ReceivablesAndOtherAssetsHeldForSale" id="ibcp_ReceivablesAndOtherAssetsHeldForSale" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="PaymentPlanReceivables" id="ibcp_PaymentPlanReceivables" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="LoansAndLeasesReceivableMortgage" id="ibcp_LoansAndLeasesReceivableMortgage" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="LiabilitiesHeldForSale" id="ibcp_LiabilitiesHeldForSale" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" />
  <xs:element name="OtherComprehensiveIncomeLossReclassificationAdjustmentForAccretionOnSettledDerivatives" id="ibcp_OtherComprehensiveIncomeLossReclassificationAdjustmentForAccretionOnSettledDerivatives" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" />
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  <xs:element name="MandatoryCommitmentsToSellMortgageLoansMember" id="ibcp_MandatoryCommitmentsToSellMortgageLoansMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="PurchasedOptionsMember" id="ibcp_PurchasedOptionsMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="TerminationFeePayFixedInterestRateSwap" id="ibcp_TerminationFeePayFixedInterestRateSwap" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" />
  <xs:element name="TransferOfCapitalFromBankToParentEntityRequest" id="ibcp_TransferOfCapitalFromBankToParentEntityRequest" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" />
  <xs:element name="RetainedEarningsAccumulatedDeficitSubsidiary" id="ibcp_RetainedEarningsAccumulatedDeficitSubsidiary" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" />
  <xs:element name="ComponentsOfRegulatoryCapitalAbstract" id="ibcp_ComponentsOfRegulatoryCapitalAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="IndependentBankMember" id="ibcp_IndependentBankMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="CommonEquityTierOneCapitalAbstract" id="ibcp_CommonEquityTierOneCapitalAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="CommonEquityTierOneCapitalRequiredForCapitalAdequacy" id="ibcp_CommonEquityTierOneCapitalRequiredForCapitalAdequacy" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" />
  <xs:element name="CommonEquityTierOneCapitalRequiredToBeWellCapitalized" id="ibcp_CommonEquityTierOneCapitalRequiredToBeWellCapitalized" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" />
  <xs:element name="CommonEquityTierOneCapitalToRiskWeightedAssets" id="ibcp_CommonEquityTierOneCapitalToRiskWeightedAssets" type="num:percentItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" />
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  <xs:element name="CommonEquityTierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets" id="ibcp_CommonEquityTierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets" type="num:percentItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" />
  <xs:element name="CommonEquityTierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets" id="ibcp_CommonEquityTierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets" type="num:percentItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" />
  <xs:element name="AddDeductAbstract" id="ibcp_AddDeductAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
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  <xs:element name="QualifyingTrustPreferredSecurities" id="ibcp_QualifyingTrustPreferredSecurities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" />
  <xs:element name="DisallowedCapitalizedMortgageLoanServicingRights" id="ibcp_DisallowedCapitalizedMortgageLoanServicingRights" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="AllowanceForLoanLossesAndUnfundedLendingCommitmentsLimitedAtSpecificRiskWeightedAssets" id="ibcp_AllowanceForLoanLossesAndUnfundedLendingCommitmentsLimitedAtSpecificRiskWeightedAssets" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" />
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  <xs:element name="MaximumPeriodWithinWhichIssuanceCostsHaveBeenCapitalizedAndAmortizedOnStraightLineBasis" id="ibcp_MaximumPeriodWithinWhichIssuanceCostsHaveBeenCapitalizedAndAmortizedOnStraightLineBasis" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="DiscountAllocationToSecuritiesRedeemed" id="ibcp_DiscountAllocationToSecuritiesRedeemed" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
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  <xs:element name="DebtInstrumentRedemptionDate" id="ibcp_DebtInstrumentRedemptionDate" type="xbrli:dateItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="DistributionDeferralPeriodSubordinatedDebentures" id="ibcp_DistributionDeferralPeriodSubordinatedDebentures" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="SummaryOfInformationRegardingSubordinatedDebenturesAbstract" id="ibcp_SummaryOfInformationRegardingSubordinatedDebenturesAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="CommonStockIssuedByTrust" id="ibcp_CommonStockIssuedByTrust" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" />
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  <xs:element name="SubsidiariesTrustTwoMember" id="ibcp_SubsidiariesTrustTwoMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="SubsidiariesTrustThreeMember" id="ibcp_SubsidiariesTrustThreeMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="ShareholdersOwnershipPercentage" id="ibcp_ShareholdersOwnershipPercentage" type="num:percentItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" />
  <xs:element name="BeneficialOwnershipLevel" id="ibcp_BeneficialOwnershipLevel" type="num:percentItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" />
  <xs:element name="StockRepurchaseProgramPercentageOfSharesAuthorizedToBeRepurchased" id="ibcp_StockRepurchaseProgramPercentageOfSharesAuthorizedToBeRepurchased" type="num:percentItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" />
  <xs:element name="StockUnitsForDeferredCompensationPlanForNonEmployeeDirectors" id="ibcp_StockUnitsForDeferredCompensationPlanForNonEmployeeDirectors" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="WeightedAverageNumberOfPerformanceSharesStock" id="ibcp_WeightedAverageNumberOfPerformanceSharesStock" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
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  <xs:element name="ScheduleOfOtherNonInterestIncomeTableTextBlock" id="ibcp_ScheduleOfOtherNonInterestIncomeTableTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="OtherMiscellaneousNonInterestIncome" id="ibcp_OtherMiscellaneousNonInterestIncome" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" />
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  <xs:element name="InvestmentAndInsuranceCommissions" id="ibcp_InvestmentAndInsuranceCommissions" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" />
  <xs:element name="OtherRealEstateRentalIncome" id="ibcp_OtherRealEstateRentalIncome" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" />
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  <xs:element name="IncreaseDecreaseInFairValueOfUSTreasuryWarrantsMember" id="ibcp_IncreaseDecreaseInFairValueOfUSTreasuryWarrantsMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="EffectOfDerivativeFinancialInstrumentsOnConsolidatedFinancialStatementsOfOperationsAbstract" id="ibcp_EffectOfDerivativeFinancialInstrumentsOnConsolidatedFinancialStatementsOfOperationsAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
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  <xs:element name="ContractDisclosureOffBalanceSheetRisksAmount" id="ibcp_ContractDisclosureOffBalanceSheetRisksAmount" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" />
  <xs:element name="NotificationCostsAndOtherEstimatedExpenses" id="ibcp_NotificationCostsAndOtherEstimatedExpenses" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" />
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  <xs:element name="ReserveForLossReimbursementOnSoldLoans" id="ibcp_ReserveForLossReimbursementOnSoldLoans" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" />
  <xs:element name="VehicleServiceContractCounterpartyReceivableRollForward" id="ibcp_VehicleServiceContractCounterpartyReceivableRollForward" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
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  <xs:element name="VehicleServiceContractCounterpartyContingenciesExpense" id="ibcp_VehicleServiceContractCounterpartyContingenciesExpense" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" />
  <xs:element name="CashReceived" id="ibcp_CashReceived" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" />
  <xs:element name="TransferredToFromContingencyReserves" id="ibcp_TransferredToFromContingencyReserves" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" />
  <xs:element name="ReserveEstablishedOnPreviouslyChargedOffReceivable" id="ibcp_ReserveEstablishedOnPreviouslyChargedOffReceivable" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" />
  <xs:element name="TransfersInFromPaymentPlanReceivables" id="ibcp_TransfersInFromPaymentPlanReceivables" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" />
  <xs:element name="RecoveryOfPreviouslyChargedOffReceivable" id="ibcp_RecoveryOfPreviouslyChargedOffReceivable" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" />
  <xs:element name="VehicleServiceContractTransferToHeldForSale" id="ibcp_VehicleServiceContractTransferToHeldForSale" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" />
  <xs:element name="ReserveOnCounterpartyPromissoryNotes" id="ibcp_ReserveOnCounterpartyPromissoryNotes" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" />
  <xs:element name="InstallmentPaymentsPeriodForServiceContract" id="ibcp_InstallmentPaymentsPeriodForServiceContract" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="DeferredTaxLiabilitiesUnrealizedGainOnSecuritiesAvailableForSale" id="ibcp_DeferredTaxLiabilitiesUnrealizedGainOnSecuritiesAvailableForSale" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" />
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  <xs:element name="UnrealizedExcessTaxBenefitShareBasedCompensationOperatingLossCarryForward" id="ibcp_UnrealizedExcessTaxBenefitShareBasedCompensationOperatingLossCarryForward" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="AlternativeMinimumTaxCreditCarryforwardsWithIndefiniteLives" id="ibcp_AlternativeMinimumTaxCreditCarryforwardsWithIndefiniteLives" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="DeferredTaxAssetsLossReimbursementOnSoldLoansReserve" id="ibcp_DeferredTaxAssetsLossReimbursementOnSoldLoansReserve" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="DeferredTaxAssetsOtherThanTemporaryImpairmentChargeOnSecuritiesAvailableForSale" id="ibcp_DeferredTaxAssetsOtherThanTemporaryImpairmentChargeOnSecuritiesAvailableForSale" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="DeferredTaxAssetsVehicleServiceContractCounterpartyContingencyReserve" id="ibcp_DeferredTaxAssetsVehicleServiceContractCounterpartyContingencyReserve" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
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  <xs:element name="DeferredTaxAssetsValuationAllowanceOnOtherRealEstate" id="ibcp_DeferredTaxAssetsValuationAllowanceOnOtherRealEstate" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="DeferredTaxAssetsPurchasePremiumsNet" id="ibcp_DeferredTaxAssetsPurchasePremiumsNet" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="DeferredTaxAssetsNonAccrualLoanInterestIncome" id="ibcp_DeferredTaxAssetsNonAccrualLoanInterestIncome" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="DeferredTaxLiabilitiesFederalHomeLoanBankStock" id="ibcp_DeferredTaxLiabilitiesFederalHomeLoanBankStock" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" />
  <xs:element name="IncomeTaxReconciliationUnrecognizedTaxBenefits" id="ibcp_IncomeTaxReconciliationUnrecognizedTaxBenefits" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" />
  <xs:element name="EffectiveIncomeTaxRateReconciliationShareBasedCompensationCostExcessBenefitDeficitAmount" id="ibcp_EffectiveIncomeTaxRateReconciliationShareBasedCompensationCostExcessBenefitDeficitAmount" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" />
  <xs:element name="EffectiveIncomeTaxRateReconciliationBankOwnedLifeInsuranceIncomeTaxEffectAmount" id="ibcp_EffectiveIncomeTaxRateReconciliationBankOwnedLifeInsuranceIncomeTaxEffectAmount" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" />
  <xs:element name="DeferredTaxLiabilitiesDeferredExpenseDeferredLoanOriginationFeesCosts" id="ibcp_DeferredTaxLiabilitiesDeferredExpenseDeferredLoanOriginationFeesCosts" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" />
  <xs:element name="EstablishmentOfValuationAllowance" id="ibcp_EstablishmentOfValuationAllowance" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" />
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  <xs:element name="OperatingLossCarryforwardsPeriodTwo" id="ibcp_OperatingLossCarryforwardsPeriodTwo" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
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  <xs:element name="AnalysisOfVehicleServiceContractCounterpartyReceivableTableTextBlock" id="ibcp_AnalysisOfVehicleServiceContractCounterpartyReceivableTableTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="AnalysisOfVehicleServiceContractCounterpartyReserveTableTextBlock" id="ibcp_AnalysisOfVehicleServiceContractCounterpartyReserveTableTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="ScheduleOfSubordinatedDebenturesAndTrustPreferredSecuritiesTableTextBlock" id="ibcp_ScheduleOfSubordinatedDebenturesAndTrustPreferredSecuritiesTableTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="DocumentAndEntityInformationAbstract" id="ibcp_DocumentAndEntityInformationAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="AccumulatedOtherComprehensiveIncomeLossDisproportionateTaxEffectsFromCashFlowHedgesMember" id="ibcp_AccumulatedOtherComprehensiveIncomeLossDisproportionateTaxEffectsFromCashFlowHedgesMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="AccumulatedOtherComprehensiveIncomeLossDisproportionateTaxEffectsFromSecuritiesAvailableForSaleMember" id="ibcp_AccumulatedOtherComprehensiveIncomeLossDisproportionateTaxEffectsFromSecuritiesAvailableForSaleMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="AccumulatedNetGainLossFromSettledDerivativesMember" id="ibcp_AccumulatedNetGainLossFromSettledDerivativesMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="BranchSaleAbstract" id="ibcp_BranchSaleAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="BranchSaleRelatedInformationTextBlock" id="ibcp_BranchSaleRelatedInformationTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="ScheduleOfBranchLocationTable" id="ibcp_ScheduleOfBranchLocationTable" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="BranchLocationLineItems" id="ibcp_BranchLocationLineItems" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="DepositsGross" id="ibcp_DepositsGross" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" />
  <xs:element name="ProceedsFromSaleOfRealPropertyAndFixedAssets" id="ibcp_ProceedsFromSaleOfRealPropertyAndFixedAssets" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" />
  <xs:element name="PercentageOfAverageDepositLiabilities" id="ibcp_PercentageOfAverageDepositLiabilities" type="num:percentItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="NetBookValueOfRealPropertyAndFixedAssetsRelatedToBranchSale" id="ibcp_NetBookValueOfRealPropertyAndFixedAssetsRelatedToBranchSale" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="DepositPremiumOnIdentifiedCoreDeposits" id="ibcp_DepositPremiumOnIdentifiedCoreDeposits" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" />
  <xs:element name="NumberOfDaysForAverageDepositLiabilities" id="ibcp_NumberOfDaysForAverageDepositLiabilities" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="NumberOfBusinessDaysPriorToClosingDate" id="ibcp_NumberOfBusinessDaysPriorToClosingDate" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="DepositLiabilitiesBasedOnTwentyDayPeriod" id="ibcp_DepositLiabilitiesBasedOnTwentyDayPeriod" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" />
  <xs:element name="MidlandMichiganMember" id="ibcp_MidlandMichiganMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="PaymentPlanReceivableCertainOtherAssets" id="ibcp_PaymentPlanReceivableCertainOtherAssets" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="PercentageOfLoanPortfolioSecuredByRealEstate" id="ibcp_PercentageOfLoanPortfolioSecuredByRealEstate" type="num:percentItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" />
  <xs:element name="NumberOfConsecutivePaymentsForMortgageLoansMisses" id="ibcp_NumberOfConsecutivePaymentsForMortgageLoansMisses" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" />
  <xs:element name="NumberOfPastDueDaysForCommercialLoanInstallmentLoansAndPaymentPlanReceivables" id="ibcp_NumberOfPastDueDaysForCommercialLoanInstallmentLoansAndPaymentPlanReceivables" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="DividendReinvestmentPlanMember" id="ibcp_DividendReinvestmentPlanMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="LongTermIncentivePlansMember" id="ibcp_LongTermIncentivePlansMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="BankOwnedLifeInsurancesAbstract" id="ibcp_BankOwnedLifeInsurancesAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="GroupFlexiblePremiumNonParticipatingVariableLifeInsuranceContract" id="ibcp_GroupFlexiblePremiumNonParticipatingVariableLifeInsuranceContract" type="xbrli:decimalItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" />
  <xs:element name="MortgageLoanServicingRightsAbstract" id="ibcp_MortgageLoanServicingRightsAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="MortgageLoanServicingFees" id="ibcp_MortgageLoanServicingFees" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" />
  <xs:element name="AccountingStandardsUpdate201609Member" id="ibcp_AccountingStandardsUpdate201609Member" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="OtherIntangibleAssetsAbstract" id="ibcp_OtherIntangibleAssetsAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="PaymentPlanReceivablesAbstract" id="ibcp_PaymentPlanReceivablesAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="RestatementOfPriorYearFinancialPositionAbstract" id="ibcp_RestatementOfPriorYearFinancialPositionAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="UnrealizedExcessBenefitsAssociatedWithShareBasedCompensation" id="ibcp_UnrealizedExcessBenefitsAssociatedWithShareBasedCompensation" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" />
  <xs:element name="IncreaseDecreaseInEquityAfterConsiderationOfDeferredTaxes" id="ibcp_IncreaseDecreaseInEquityAfterConsiderationOfDeferredTaxes" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" />
  <xs:element name="ForfeitureCumulativeEffectAdjustment" id="ibcp_ForfeitureCumulativeEffectAdjustment" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" />
  <xs:element name="EmployeeServiceShareBasedCompensationTaxBenefitFromExcessCompensationExpense" id="ibcp_EmployeeServiceShareBasedCompensationTaxBenefitFromExcessCompensationExpense" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" />
  <xs:element name="PaymentPlanReceivablesAndOtherAssetsHeldForSaleTable" id="ibcp_PaymentPlanReceivablesAndOtherAssetsHeldForSaleTable" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="PaymentPlanReceivablesAndOtherAssetsHeldForSaleLineItems" id="ibcp_PaymentPlanReceivablesAndOtherAssetsHeldForSaleLineItems" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="PaymentPlanReceivableLiabilitiesAssumed" id="ibcp_PaymentPlanReceivableLiabilitiesAssumed" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="LoanRevenueRecognitionAbstract" id="ibcp_LoanRevenueRecognitionAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="EmployeeCompensationBenefitHealthCareAndLifeInsuranceExpense" id="ibcp_EmployeeCompensationBenefitHealthCareAndLifeInsuranceExpense" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" />
  <xs:element name="IncentiveBasedCompensationExpense" id="ibcp_IncentiveBasedCompensationExpense" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" />
  <xs:element name="NonEmployeeDirectorsMember" id="ibcp_NonEmployeeDirectorsMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="SeniorOfficersMember" id="ibcp_SeniorOfficersMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="AggregateIntrinsicValueAbstract" id="ibcp_AggregateIntrinsicValueAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="StockUnitsOrRestrictedSharesIssuedDuringPeriod" id="ibcp_StockUnitsOrRestrictedSharesIssuedDuringPeriod" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="SharesIssuesInPlaceOfRetainerFees" id="ibcp_SharesIssuesInPlaceOfRetainerFees" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="PerformanceBasedCompensationPlanMember" id="ibcp_PerformanceBasedCompensationPlanMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="EmployeeMatchingContributionPercentage" id="ibcp_EmployeeMatchingContributionPercentage" type="num:percentItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="EmployeeStockOwnershipPlanESOPContributionsToESOP" id="ibcp_EmployeeStockOwnershipPlanESOPContributionsToESOP" type="num:percentItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
</xs:schema>
