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  <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="AllowanceForLoanLossesAllocated" id="ibcp_AllowanceForLoanLossesAllocated" 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="ImpairedLoanWithNoAllocatedAllowanceAbstract" id="ibcp_ImpairedLoanWithNoAllocatedAllowanceAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <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="TroubledDebtRestructuringAllowanceBasedOnCollateral" id="ibcp_TroubledDebtRestructuringAllowanceBasedOnCollateral" 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="TroubledDebtRestructuringAmount" id="ibcp_TroubledDebtRestructuringAmount" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="AverageRecordedInvestmentInAndInterestIncomeEarnedOnImpairedLoansByClassAbstract" id="ibcp_AverageRecordedInvestmentInAndInterestIncomeEarnedOnImpairedLoansByClassAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
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  <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="AccruedInterestImpairedLoans" id="ibcp_AccruedInterestImpairedLoans" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" />
  <xs:element name="ImpairedFinancingReceivableRelatedAllowanceWithNoRelatedAllowance" id="ibcp_ImpairedFinancingReceivableRelatedAllowanceWithNoRelatedAllowance" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
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  <xs:element name="LiabilitiesHeldForSale" id="ibcp_LiabilitiesHeldForSale" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" />
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  <xs:element name="InterestBearingDepositsTime" id="ibcp_InterestBearingDepositsTime" 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="VehicleServiceContractCounterpartyReceivablesNet" id="ibcp_VehicleServiceContractCounterpartyReceivablesNet" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="NumberOfConsecutiveTimelyPaymentsRequired" id="ibcp_NumberOfConsecutiveTimelyPaymentsRequired" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" 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="AllowanceForDoubtfulAccountsReceivableChargeOffsDueToTDR" id="ibcp_AllowanceForDoubtfulAccountsReceivableChargeOffsDueToTDR" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" />
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  <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="PastDuePeriodForModifiedLoans" id="ibcp_PastDuePeriodForModifiedLoans" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
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  <xs:element name="TdrThatSubsequentlyDefaultedAbstract" id="ibcp_TdrThatSubsequentlyDefaultedAbstract" type="xbrli:stringItemType" 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="FinancingReceivableModificationsOfStatedInterestRatePeriodExtension" id="ibcp_FinancingReceivableModificationsOfStatedInterestRatePeriodExtension" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="DividendsPerCommonShareAbstract" id="ibcp_DividendsPerCommonShareAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="InterchangeIncome" id="ibcp_InterchangeIncome" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" />
  <xs:element name="DataProcessing" id="ibcp_DataProcessing" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" />
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  <xs:element name="CreditCardAndBankServiceFees" id="ibcp_CreditCardAndBankServiceFees" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" />
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  <xs:element name="StockholdersEquityAttributableToParentAsAdjusted" id="ibcp_StockholdersEquityAttributableToParentAsAdjusted" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" />
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  <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="FairValueAssetsMeasuredOnRecurringBasisGainLossRealizedAndUnrealizedAbstract" id="ibcp_FairValueAssetsMeasuredOnRecurringBasisGainLossRealizedAndUnrealizedAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="CapitalizedMortgageLoanServicingRightsMember" id="ibcp_CapitalizedMortgageLoanServicingRightsMember" 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="WrittenOptionsMember" id="ibcp_WrittenOptionsMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="MandatoryCommitmentsToSellMortgageLoansMember" id="ibcp_MandatoryCommitmentsToSellMortgageLoansMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="EffectOfDerivativeFinancialInstrumentsOnCondensedConsolidatedFinancialStatementsOfOperationsAbstract" id="ibcp_EffectOfDerivativeFinancialInstrumentsOnCondensedConsolidatedFinancialStatementsOfOperationsAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
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  <xs:element name="NotificationCostsAndOtherEstimatedExpenses" id="ibcp_NotificationCostsAndOtherEstimatedExpenses" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" />
  <xs:element name="ProvisionForLossReimbursementOnSoldLoans" id="ibcp_ProvisionForLossReimbursementOnSoldLoans" 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="ReserveForLossReimbursementOnSoldLoans" id="ibcp_ReserveForLossReimbursementOnSoldLoans" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" />
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  <xs:element name="AdjustmentsForChangeInAccountingPrincipleEffectPreTaxMember" id="ibcp_AdjustmentsForChangeInAccountingPrincipleEffectPreTaxMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="IncreaseDecreaseInPremiumAmortizationOnAvailableForSaleSecurities" id="ibcp_IncreaseDecreaseInPremiumAmortizationOnAvailableForSaleSecurities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" />
  <xs:element name="AdjustmentsForChangeInAccountingPrincipleEffectNetOfTaxMember" id="ibcp_AdjustmentsForChangeInAccountingPrincipleEffectNetOfTaxMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="AccountingStandardsUpdate201708Member" id="ibcp_AccountingStandardsUpdate201708Member" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="AdjustmentsForChangeInAccountingPrincipleEffectAfterTaxMember" id="ibcp_AdjustmentsForChangeInAccountingPrincipleEffectAfterTaxMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="ChangeInAccountingMethodAccountedForAsChangeInEstimateAndAdjustmentsForNewAccountingPronouncementsMember" id="ibcp_ChangeInAccountingMethodAccountedForAsChangeInEstimateAndAdjustmentsForNewAccountingPronouncementsMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
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  <xs:element name="PrivateLabelMortgageBackedDebtMaturitiesWithoutSingleMaturityDateFairValue" id="ibcp_PrivateLabelMortgageBackedDebtMaturitiesWithoutSingleMaturityDateFairValue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="CreditRelatedOTTIRecognizedInEarnings" id="ibcp_CreditRelatedOTTIRecognizedInEarnings" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" />
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  <xs:element name="NumberOfSecuritiesRatedAsInvestmentGrade" id="ibcp_NumberOfSecuritiesRatedAsInvestmentGrade" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" />
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  <xs:element name="NumberOfMajorCreditRatingAgenciesRatingSecuritiesWithFairValueLessThanAmortizedCost" id="ibcp_NumberOfMajorCreditRatingAgenciesRatingSecuritiesWithFairValueLessThanAmortizedCost" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" />
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  <xs:element name="PercentageOfExcessImpairmentOnBonds" id="ibcp_PercentageOfExcessImpairmentOnBonds" type="num:percentItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" />
  <xs:element name="NumberOfSecuritiesNotExternallyRated" id="ibcp_NumberOfSecuritiesNotExternallyRated" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" />
  <xs:element name="TrustPreferredSecurityNetUnrealizedGainLoss" id="ibcp_TrustPreferredSecurityNetUnrealizedGainLoss" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" />
  <xs:element name="NonRatedTrustPreferredSecuritiesFairValue" id="ibcp_NonRatedTrustPreferredSecuritiesFairValue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
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  <xs:element name="SeniorSecurityMember" id="ibcp_SeniorSecurityMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="SuperSeniorSecurityMember" id="ibcp_SuperSeniorSecurityMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
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  <xs:element name="AvailableforsaleSecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositionsPrior2016" id="ibcp_AvailableforsaleSecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositionsPrior2016" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" />
  <xs:element name="NumberOfSecuritiesRatedBelowInvestmentGrade" id="ibcp_NumberOfSecuritiesRatedBelowInvestmentGrade" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" />
  <xs:element name="AdjustmentToAmortizedCostOfAvailableForSaleSecurities" id="ibcp_AdjustmentToAmortizedCostOfAvailableForSaleSecurities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" />
  <xs:element name="PrivateLabelMortgageBackedSecuritiesCompleteRecoveryOfCostBasis" id="ibcp_PrivateLabelMortgageBackedSecuritiesCompleteRecoveryOfCostBasis" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" />
  <xs:element name="NumberOfBondsWithImpairmentInExcessOfTenPercent" id="ibcp_NumberOfBondsWithImpairmentInExcessOfTenPercent" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" />
  <xs:element name="RatedIssuesMember" id="ibcp_RatedIssuesMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="NumberOfBondsWithImpairmentForMoreThan12Months" id="ibcp_NumberOfBondsWithImpairmentForMoreThan12Months" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" />
  <xs:element name="SeniorSupportSecurityMember" id="ibcp_SeniorSupportSecurityMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="PrivateLabelMortgageBackedSecuritiesBelowInvestmentGradeAbstract" id="ibcp_PrivateLabelMortgageBackedSecuritiesBelowInvestmentGradeAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="PrivateLabelMortgageBackedSecuritiesCurrentlyBelowInvestmentGradeWithCreditRelatedOTTINonCreditUnrealizedLosses" id="ibcp_PrivateLabelMortgageBackedSecuritiesCurrentlyBelowInvestmentGradeWithCreditRelatedOTTINonCreditUnrealizedLosses" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" />
  <xs:element name="FairValuePrivateLabelMortgageBackedSecuritiesCurrentlyBelowInvestmentGradeWithCreditRelatedOTTI" id="ibcp_FairValuePrivateLabelMortgageBackedSecuritiesCurrentlyBelowInvestmentGradeWithCreditRelatedOTTI" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="PrivateLabelMortgageBackedSecuritiesCurrentlyBelowInvestmentGradeWithCreditRelatedOTTIAmortizedCost" id="ibcp_PrivateLabelMortgageBackedSecuritiesCurrentlyBelowInvestmentGradeWithCreditRelatedOTTIAmortizedCost" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="PrivateLabelMortgageBackedSecuritiesCurrentlyBelowInvestmentGradeWithCreditRelatedOTTIUnrealizedGains" id="ibcp_PrivateLabelMortgageBackedSecuritiesCurrentlyBelowInvestmentGradeWithCreditRelatedOTTIUnrealizedGains" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" />
  <xs:element name="PrivateLabelMortgageBackedSecuritiesCurrentlyBelowInvestmentGradeCumulativeCreditRelatedOTTI" id="ibcp_PrivateLabelMortgageBackedSecuritiesCurrentlyBelowInvestmentGradeCumulativeCreditRelatedOTTI" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" />
  <xs:element name="PrivateLabelMortgageBackedWithoutSingleMaturityDateAmortizedCostBasis" id="ibcp_PrivateLabelMortgageBackedWithoutSingleMaturityDateAmortizedCostBasis" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="EstimatedRecordedBookBalanceAndFairValueAbstract" id="ibcp_EstimatedRecordedBookBalanceAndFairValueAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="PaymentPlanReceivablesAndCommercialLoansHeldForSale" id="ibcp_PaymentPlanReceivablesAndCommercialLoansHeldForSale" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="ReciprocalDepositsIncludedInDepositsWithNoStatedMaturity" id="ibcp_ReciprocalDepositsIncludedInDepositsWithNoStatedMaturity" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" />
  <xs:element name="ReciprocalDepositsIncludedInDepositsWithStatedMaturity" id="ibcp_ReciprocalDepositsIncludedInDepositsWithStatedMaturity" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" />
  <xs:element name="NetLoansAndLoansHeldForSaleFairValueDisclosure" id="ibcp_NetLoansAndLoansHeldForSaleFairValueDisclosure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="InterestBearingDepositsWithBanksFairValueDisclosure" id="ibcp_InterestBearingDepositsWithBanksFairValueDisclosure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="DomesticDepositSavingsNoStatedMaturity" id="ibcp_DomesticDepositSavingsNoStatedMaturity" 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="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="ImpairedLoansMember" id="ibcp_ImpairedLoansMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="CapitalizedMortgageLoanServicingRightsFairValueDisclosure" id="ibcp_CapitalizedMortgageLoanServicingRightsFairValueDisclosure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
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  <xs:element name="MortgagesImpairedLoansAbstract" id="ibcp_MortgagesImpairedLoansAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <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="CommercialImpairedLoansAbstract" id="ibcp_CommercialImpairedLoansAbstract" 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="IncomeProducingRealEstateFairValueDisclosure" id="ibcp_IncomeProducingRealEstateFairValueDisclosure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="AccumulatedNetGainLossFromSettledDerivativesMember" id="ibcp_AccumulatedNetGainLossFromSettledDerivativesMember" type="nonnum:domainItemType" 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="DocumentAndEntityInformationAbstract" id="ibcp_DocumentAndEntityInformationAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="ScheduleOfPaymentPlanAssetsSoldAndLiabilitiesAssumedTableTextBlock" id="ibcp_ScheduleOfPaymentPlanAssetsSoldAndLiabilitiesAssumedTableTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="FairValueInputsAssetsAndLiabilitiesQuantitativeInformationTable" id="ibcp_FairValueInputsAssetsAndLiabilitiesQuantitativeInformationTable" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" 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="OtherRealEstateMortgageMember" id="ibcp_OtherRealEstateMortgageMember" type="nonnum:domainItemType" 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="OtherRealEstateCommercialMember" id="ibcp_OtherRealEstateCommercialMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="PresentValueOfNetServicingRevenueMember" id="ibcp_PresentValueOfNetServicingRevenueMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="SalesComparisonApproachMember" id="ibcp_SalesComparisonApproachMember" 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="QuantitativeInformationAboutLevel3FairValueMeasurementsMeasuredOnNonRecurringBasisAbstract" id="ibcp_QuantitativeInformationAboutLevel3FairValueMeasurementsMeasuredOnNonRecurringBasisAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="UnobservableInputsWeightedAverageAbstract" id="ibcp_UnobservableInputsWeightedAverageAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" 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="ImpairmentCollateralDependentOtherThanRealEstate" id="ibcp_ImpairmentCollateralDependentOtherThanRealEstate" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" />
  <xs:element name="FairValueInputsFloatRate" id="ibcp_FairValueInputsFloatRate" type="num:percentItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" 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="ImpairedLoansCommercial" id="ibcp_ImpairedLoansCommercial" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <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="CommercialFairValueDisclosure" id="ibcp_CommercialFairValueDisclosure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="MortgageFairValueDisclosure" id="ibcp_MortgageFairValueDisclosure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" 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="FairValueInputsAdjustmentForDifferencesBetweenComparableSales" id="ibcp_FairValueInputsAdjustmentForDifferencesBetweenComparableSales" type="num:percentItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <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="CapitalizedMortgageLoanServicingRightsAdditionalIncomeCharges" id="ibcp_CapitalizedMortgageLoanServicingRightsAdditionalIncomeCharges" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" />
  <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="OtherRealEstateImpairedNetReserves" id="ibcp_OtherRealEstateImpairedNetReserves" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="MortgageLoanServicingRightsNetFairValueDisclosure" id="ibcp_MortgageLoanServicingRightsNetFairValueDisclosure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" 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:schema>
