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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="ImpairedFinancingReceivables" id="ibcp_ImpairedFinancingReceivables" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <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="LesseeOperatingLeaseBalanceSheetInformationTableTextBlock" id="ibcp_LesseeOperatingLeaseBalanceSheetInformationTableTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="TroubledDebtRestructuringAbstract" id="ibcp_TroubledDebtRestructuringAbstract" 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="PastDuePeriodForModifiedLoans" id="ibcp_PastDuePeriodForModifiedLoans" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="NumberOfConsecutiveTimelyPaymentsRequired" id="ibcp_NumberOfConsecutiveTimelyPaymentsRequired" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <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="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="LoansClassifiedAsTroubledDebtRestructuringsAbstract" id="ibcp_LoansClassifiedAsTroubledDebtRestructuringsAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" 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="TroubledDebtRestructuringLoansAndLeasesReceivableSpecificAllowance" id="ibcp_TroubledDebtRestructuringLoansAndLeasesReceivableSpecificAllowance" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" />
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  <xs:element name="TCSBBancorpIncMember" id="ibcp_TCSBBancorpIncMember" 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="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" />
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  <xs:element name="AccruedInterestNonPerformingLoan" id="ibcp_AccruedInterestNonPerformingLoan" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" />
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  <xs:element name="AccumulatedOtherComprehensiveIncomeLossDisproportionateTaxEffectsFromSecuritiesAvailableForSaleMember" id="ibcp_AccumulatedOtherComprehensiveIncomeLossDisproportionateTaxEffectsFromSecuritiesAvailableForSaleMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
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  <xs:element name="LoansHeldForSaleCarriedAtLowerOfCostOrFairValue" id="ibcp_LoansHeldForSaleCarriedAtLowerOfCostOrFairValue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
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  <xs:element name="StockRepurchaseProgramAbstract" id="ibcp_StockRepurchaseProgramAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
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  <xs:element name="FinancingReceivableAllowanceForCreditLossesCertainLoansAcquiredInTransferNotAccountedForAsDebtSecurities" id="ibcp_FinancingReceivableAllowanceForCreditLossesCertainLoansAcquiredInTransferNotAccountedForAsDebtSecurities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" />
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  <xs:element name="ImpairmentCollateralDependentOtherThanRealEstate" id="ibcp_ImpairmentCollateralDependentOtherThanRealEstate" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" />
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  <xs:element name="PercentageOfRevenueExcludedFromASU201409" id="ibcp_PercentageOfRevenueExcludedFromASU201409" type="num:percentItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" />
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  <xs:element name="AssetManagementRevenueMember" id="ibcp_AssetManagementRevenueMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="CustomerBusinessMember" id="ibcp_CustomerBusinessMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="ATMFeesMember" id="ibcp_ATMFeesMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="InterchangeIncomeMember" id="ibcp_InterchangeIncomeMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="ServiceChargesOnDepositsMember" id="ibcp_ServiceChargesOnDepositsMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="AccountServiceChargesMember" id="ibcp_AccountServiceChargesMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="OverdraftFeesMember" id="ibcp_OverdraftFeesMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="CustomerRetailMember" id="ibcp_CustomerRetailMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
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  <xs:element name="ConservationBufferPercentagePointsAddedToMinimumRatioForAdequatelyCapitalizedInstitutions" id="ibcp_ConservationBufferPercentagePointsAddedToMinimumRatioForAdequatelyCapitalizedInstitutions" type="num:percentItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
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  <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="EstimatedRecordedBookBalanceAndFairValueAbstract" id="ibcp_EstimatedRecordedBookBalanceAndFairValueAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <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="InterestBearingDepositsWithBanksFairValueDisclosure" id="ibcp_InterestBearingDepositsWithBanksFairValueDisclosure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="CashAndDueFromBanksFairValueDisclosure" id="ibcp_CashAndDueFromBanksFairValueDisclosure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <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="DomesticDepositSavingsNoStatedMaturity" id="ibcp_DomesticDepositSavingsNoStatedMaturity" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" />
  <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="ProvisionForLossReimbursementOnSoldLoans" id="ibcp_ProvisionForLossReimbursementOnSoldLoans" 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" />
  <xs:element name="InvestmentOwnedBalanceSharesValue" id="ibcp_InvestmentOwnedBalanceSharesValue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="EquityInvestmentConversionRatio" id="ibcp_EquityInvestmentConversionRatio" type="xbrli:pureItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
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</xs:schema>
</XBRL>
