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        <link:definition>082200 - Disclosure - FAIR VALUES OF FINANCIAL INSTRUMENTS (Tables)</link:definition>
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        <link:definition>090600 - Disclosure - PROPERTY AND EQUIPMENT (Details)</link:definition>
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        <link:definition>092500 - Disclosure - REVENUE FROM CONTRACTS WITH CUSTOMERS (Details)</link:definition>
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  <xs:element name="NonEmployeeDirectorsMember" id="ibcp_NonEmployeeDirectorsMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="AverageReserveBalancesToBeMaintained" id="ibcp_AverageReserveBalancesToBeMaintained" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" />
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  <xs:element name="Family14OwnerOccupiedJumboMember" id="ibcp_Family14OwnerOccupiedJumboMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="RecreationalVehicleLendingMember" id="ibcp_RecreationalVehicleLendingMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="Family14OwnerOccupiedNonJumboMember" id="ibcp_Family14OwnerOccupiedNonJumboMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="BoatLendingMember" id="ibcp_BoatLendingMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="CommercialRealEstateLoanMember" id="ibcp_CommercialRealEstateLoanMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="Family14SecondLienMember" id="ibcp_Family14SecondLienMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" 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="TroubledDebtRestructuringAbstract" id="ibcp_TroubledDebtRestructuringAbstract" type="xbrli:stringItemType" 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="FinancingReceivableModificationsOfStatedInterestRatePeriod" id="ibcp_FinancingReceivableModificationsOfStatedInterestRatePeriod" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" 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="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" />
  <xs:element name="LoansClassifiedAsTroubledDebtRestructuringsAbstract" id="ibcp_LoansClassifiedAsTroubledDebtRestructuringsAbstract" type="xbrli:stringItemType" 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="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="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" />
  <xs:element name="NumberOfConsecutiveTimelyPaymentsRequired" id="ibcp_NumberOfConsecutiveTimelyPaymentsRequired" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="TdrThatSubsequentlyDefaultedAbstract" id="ibcp_TdrThatSubsequentlyDefaultedAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="CommercialAndIndustrialMember" id="ibcp_CommercialAndIndustrialMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="Family14NonOwnerOccupiedMember" id="ibcp_Family14NonOwnerOccupiedMember" 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="CustomerRetailMember" id="ibcp_CustomerRetailMember" 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="NumberOfRealEstateAssetsSold" id="ibcp_NumberOfRealEstateAssetsSold" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" 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="PercentageOfRevenueExcludedFromASU201409" id="ibcp_PercentageOfRevenueExcludedFromASU201409" type="num:percentItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" />
  <xs:element name="OtherDepositRelatedIncomeMember" id="ibcp_OtherDepositRelatedIncomeMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="OtherMember" id="ibcp_OtherMember" 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="InvestmentAndInsuranceCommissionsMember" id="ibcp_InvestmentAndInsuranceCommissionsMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="AssetManagementRevenueMember" id="ibcp_AssetManagementRevenueMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="TransactionBasedRevenueMember" id="ibcp_TransactionBasedRevenueMember" 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="InterchangeIncomeMember" id="ibcp_InterchangeIncomeMember" 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="NoninterestIncomeOtherOperatingIncomeOther" id="ibcp_NoninterestIncomeOtherOperatingIncomeOther" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" />
  <xs:element name="Family14Member" id="ibcp_Family14Member" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <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="CollateralDependentLoansCarryingAmount" id="ibcp_CollateralDependentLoansCarryingAmount" 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="CapitalizedMortgageLoanServicingRightsMember" id="ibcp_CapitalizedMortgageLoanServicingRightsMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="LoansHeldForSaleUnrealizedGainLoss" id="ibcp_LoansHeldForSaleUnrealizedGainLoss" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" />
  <xs:element name="ServicingAssetUnrealizedGainLoss" id="ibcp_ServicingAssetUnrealizedGainLoss" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" />
  <xs:element name="TradingSecuritiesUnrealizedGainLoss" id="ibcp_TradingSecuritiesUnrealizedGainLoss" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" />
  <xs:element name="LoanRatingsCreditScoresByLoanClassAbstract" id="ibcp_LoanRatingsCreditScoresByLoanClassAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <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="CreditScore700To749" id="ibcp_CreditScore700To749" 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="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="CreditScoreUnknown" id="ibcp_CreditScoreUnknown" 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="CreditScore650To699" id="ibcp_CreditScore650To699" 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="CreditScore500To549" id="ibcp_CreditScore500To549" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="LoansNotSecuredByRealEstateMember" id="ibcp_LoansNotSecuredByRealEstateMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="PCILoansContractuallyRequiredPaymentsWouldNotBeCollectedAbstract" id="ibcp_PCILoansContractuallyRequiredPaymentsWouldNotBeCollectedAbstract" 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="AmountOfAllowanceForLoanLossesAllocatedAbstract" id="ibcp_AmountOfAllowanceForLoanLossesAllocatedAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <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="AccruedInterestImpairedLoans" id="ibcp_AccruedInterestImpairedLoans" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" />
  <xs:element name="ImpairedLoansWithAnAllocatedAllowanceForLoanLossesAbstract" id="ibcp_ImpairedLoansWithAnAllocatedAllowanceForLoanLossesAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <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="ImpairedFinancingReceivables" id="ibcp_ImpairedFinancingReceivables" 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="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="TroubledDebtRestructuringAmount" id="ibcp_TroubledDebtRestructuringAmount" 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="NonTroubledDebtRestructuringAllowancesBasedOnCollateral" id="ibcp_NonTroubledDebtRestructuringAllowancesBasedOnCollateral" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" />
  <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="DifferenceInAggregateFairValueAndAggregateRemainingContractualPrincipalBalanceForLoansHeldForSaleTableTextBlock" id="ibcp_DifferenceInAggregateFairValueAndAggregateRemainingContractualPrincipalBalanceForLoansHeldForSaleTableTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="IncomeLossFromContinuingOperationsBeforeEquityInUndistributedNetLossOfSubsidiaries" id="ibcp_IncomeLossFromContinuingOperationsBeforeEquityInUndistributedNetLossOfSubsidiaries" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" />
  <xs:element name="DividendsFromSubsidiary" id="ibcp_DividendsFromSubsidiary" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" />
  <xs:element name="PaymentsForInInterestBearingDepositsInBanksTime" id="ibcp_PaymentsForInInterestBearingDepositsInBanksTime" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" />
  <xs:element name="FairValueAssetsMeasuredOnRecurringBasisGainLossRealizedAndUnrealizedAbstract" id="ibcp_FairValueAssetsMeasuredOnRecurringBasisGainLossRealizedAndUnrealizedAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="FairValueMeasurementWithUnobservableInputsChangeInAccountingRecurringBasisAssetValue" id="ibcp_FairValueMeasurementWithUnobservableInputsChangeInAccountingRecurringBasisAssetValue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="MepcoSaleAbstract" id="ibcp_MepcoSaleAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="MepcoSaleTextBlock" id="ibcp_MepcoSaleTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <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="OtherIntangibleAssetsAbstract" id="ibcp_OtherIntangibleAssetsAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="LoanRevenueRecognitionAbstract" id="ibcp_LoanRevenueRecognitionAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="PropertyPlantAndEquipmentUsefulLifeAbstract" id="ibcp_PropertyPlantAndEquipmentUsefulLifeAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="FiniteLivedIntangibleAssetUsefulLifeAbstract" id="ibcp_FiniteLivedIntangibleAssetUsefulLifeAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="ReservedForFutureIssuanceAbstract" id="ibcp_ReservedForFutureIssuanceAbstract" type="xbrli:stringItemType" 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="OtherRealEstateMortgageMember" id="ibcp_OtherRealEstateMortgageMember" type="nonnum:domainItemType" 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="ImpairedLoansMeasurementInput" id="ibcp_ImpairedLoansMeasurementInput" type="xbrli:decimalItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" />
  <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="RealEstateOther" id="ibcp_RealEstateOther" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="ImpairedLoansFairValue" id="ibcp_ImpairedLoansFairValue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="DiscountRate" id="ibcp_DiscountRate" type="num:percentItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" />
  <xs:element name="ImpairedLoansMortgageMember" id="ibcp_ImpairedLoansMortgageMember" 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="ImpairedLoansCommercialMember" id="ibcp_ImpairedLoansCommercialMember" 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="MeasurementInputFloatRateMember" id="ibcp_MeasurementInputFloatRateMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="MeasurementInputCostToServiceApproachMember" id="ibcp_MeasurementInputCostToServiceApproachMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="ImpairedLoansMortgageAndInstallmentMember" id="ibcp_ImpairedLoansMortgageAndInstallmentMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="OtherRealEstateMeasurementInput" id="ibcp_OtherRealEstateMeasurementInput" type="xbrli:decimalItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" />
  <xs:element name="MeasurementInputAncillaryIncomeMember" id="ibcp_MeasurementInputAncillaryIncomeMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedSubordinatedDebentures" id="ibcp_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedSubordinatedDebentures" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" />
  <xs:element name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAccruedIncomeAndOtherAssets" id="ibcp_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAccruedIncomeAndOtherAssets" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCapitalizedMortgageLoanServicingRights" id="ibcp_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCapitalizedMortgageLoanServicingRights" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAvailableForSaleSecurities" id="ibcp_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAvailableForSaleSecurities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedOtherBorrowings" id="ibcp_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedOtherBorrowings" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" />
  <xs:element name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedDepositLiabilities" id="ibcp_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedDepositLiabilities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" />
  <xs:element name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansAcquired" id="ibcp_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansAcquired" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="BusinessAcquisitionEquityInterestIssuedNumberOfShares" id="ibcp_BusinessAcquisitionEquityInterestIssuedNumberOfShares" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="BusinessCombinationConsiderationTransferredCashInLieuOfFractionalShares" id="ibcp_BusinessCombinationConsiderationTransferredCashInLieuOfFractionalShares" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" />
  <xs:element name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAccruedExpensesAndOtherLiabilities" id="ibcp_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAccruedExpensesAndOtherLiabilities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" />
  <xs:element name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedInterestBearingTimeDeposits" id="ibcp_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedInterestBearingTimeDeposits" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedFederalHomeLoanBankStock" id="ibcp_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedFederalHomeLoanBankStock" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="LoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAcquiredDuringPeriodContractuallyRequiredPaymentsReceivableAtAcquisition" id="ibcp_LoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAcquiredDuringPeriodContractuallyRequiredPaymentsReceivableAtAcquisition" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedOtherIntangibleAssetsOtherThanGoodwill" id="ibcp_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedOtherIntangibleAssetsOtherThanGoodwill" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="LoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAcquiredDuringPeriodAtAcquisitionAtFairValue" id="ibcp_LoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAcquiredDuringPeriodAtAcquisitionAtFairValue" 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="CapitalizedMortgageLoanServicingRightsFairValueDisclosure" id="ibcp_CapitalizedMortgageLoanServicingRightsFairValueDisclosure" 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="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="AssetPurchaseAgreementAbstract" id="ibcp_AssetPurchaseAgreementAbstract" 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="PaymentPlanReceivableFurnitureAndEquipment" id="ibcp_PaymentPlanReceivableFurnitureAndEquipment" 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="PaymentPlanReceivableCertainOtherAssets" id="ibcp_PaymentPlanReceivableCertainOtherAssets" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="PaymentPlanReceivablePortfolioSegmentMember" id="ibcp_PaymentPlanReceivablePortfolioSegmentMember" type="nonnum:domainItemType" 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="AllowanceForLoanLossesAbstract" id="ibcp_AllowanceForLoanLossesAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="FinancingReceivableAllowanceForCreditLossesCertainLoansAcquiredInTransferNotAccountedForAsDebtSecurities" id="ibcp_FinancingReceivableAllowanceForCreditLossesCertainLoansAcquiredInTransferNotAccountedForAsDebtSecurities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" 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="ReclassificationAdjustmentAccumulatedOtherComprehensiveIncomeAbstract" id="ibcp_ReclassificationAdjustmentAccumulatedOtherComprehensiveIncomeAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="ExpectedIncreaseToAllowanceForLossesUnfundedLoanCommitments" id="ibcp_ExpectedIncreaseToAllowanceForLossesUnfundedLoanCommitments" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" />
  <xs:element name="AllowanceForLoanLossesForecastPeriod" id="ibcp_AllowanceForLoanLossesForecastPeriod" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="NewAccountingStandardsAndPronouncementsAbstract" id="ibcp_NewAccountingStandardsAndPronouncementsAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="OtherRealEstateAcquired" id="ibcp_OtherRealEstateAcquired" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="OtherRealEstateAcquiredDisposals" id="ibcp_OtherRealEstateAcquiredDisposals" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" />
  <xs:element name="OtherRealEstateAcquiredValuationAdjustments" id="ibcp_OtherRealEstateAcquiredValuationAdjustments" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" />
  <xs:element name="OtherRepossessedAssets" id="ibcp_OtherRepossessedAssets" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="ForeclosedResidentialRealEstate" id="ibcp_ForeclosedResidentialRealEstate" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" />
  <xs:element name="OtherRealEstateAcquiredAdditions" id="ibcp_OtherRealEstateAcquiredAdditions" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" />
  <xs:element name="OtherThanTemporaryImpairmentCreditLossesRecognizedInEarningsReductionsSecuritiesWrittenDownPaidOff" id="ibcp_OtherThanTemporaryImpairmentCreditLossesRecognizedInEarningsReductionsSecuritiesWrittenDownPaidOff" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" />
  <xs:element name="NumberOfSecuritiesSettledWhichWereRecordedUnderOTTI" id="ibcp_NumberOfSecuritiesSettledWhichWereRecordedUnderOTTI" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="OtherAssetBackedWithoutSingleMaturityDateAmortizedCostBasis" id="ibcp_OtherAssetBackedWithoutSingleMaturityDateAmortizedCostBasis" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="PrivateLabelMortgageBackedSecuritiesBelowInvestmentGradeAbstract" id="ibcp_PrivateLabelMortgageBackedSecuritiesBelowInvestmentGradeAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="CreditRelatedOTTIRecognizedInEarnings" id="ibcp_CreditRelatedOTTIRecognizedInEarnings" 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" />
  <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="NumberOfSecuritiesNotExternallyRated" id="ibcp_NumberOfSecuritiesNotExternallyRated" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" />
  <xs:element name="NonRatedTrustPreferredSecuritiesAmortizedCost" id="ibcp_NonRatedTrustPreferredSecuritiesAmortizedCost" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="NumberOfSecuritiesReviewedForOtherThanTemporaryImpairment" id="ibcp_NumberOfSecuritiesReviewedForOtherThanTemporaryImpairment" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" />
  <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="PrivateLabelMortgageBackedSecuritiesCurrentlyBelowInvestmentGradeWithCreditRelatedOTTINonCreditUnrealizedLosses" id="ibcp_PrivateLabelMortgageBackedSecuritiesCurrentlyBelowInvestmentGradeWithCreditRelatedOTTINonCreditUnrealizedLosses" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" />
  <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="NumberOfSecuritiesRatedAsInvestmentGrade" id="ibcp_NumberOfSecuritiesRatedAsInvestmentGrade" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" />
  <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="GovernmentAgencyCommercialMortgageBackedWithoutSingleMaturityDateAmortizedCostBasis" id="ibcp_GovernmentAgencyCommercialMortgageBackedWithoutSingleMaturityDateAmortizedCostBasis" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="GovernmentAgencyCommercialMortgageBackedDebtMaturitiesWithoutSingleMaturityDateFairValue" id="ibcp_GovernmentAgencyCommercialMortgageBackedDebtMaturitiesWithoutSingleMaturityDateFairValue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="OtherAssetBackedDebtMaturitiesWithoutSingleMaturityDateFairValue" id="ibcp_OtherAssetBackedDebtMaturitiesWithoutSingleMaturityDateFairValue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <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="PrivateLabelMortgageBackedWithoutSingleMaturityDateAmortizedCostBasis" id="ibcp_PrivateLabelMortgageBackedWithoutSingleMaturityDateAmortizedCostBasis" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <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" />
  <xs:element name="RatedIssuesMember" id="ibcp_RatedIssuesMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="UnratedIssuesNoOttiMember" id="ibcp_UnratedIssuesNoOttiMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="StockholdersEquityAttributableToParentPriorToCumulativeEffectOfChangeInAccountingPrinciple" id="ibcp_StockholdersEquityAttributableToParentPriorToCumulativeEffectOfChangeInAccountingPrinciple" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" />
  <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="ReclassificationOfCertainTaxEffectsFromAccumulatedOtherComprehensiveIncome" id="ibcp_ReclassificationOfCertainTaxEffectsFromAccumulatedOtherComprehensiveIncome" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" />
  <xs:element name="DisproportionateTaxEffectsDueToChangeInTaxRate" id="ibcp_DisproportionateTaxEffectsDueToChangeInTaxRate" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" />
  <xs:element name="FinancingReceivableGovernmentGuaranteedLoans" id="ibcp_FinancingReceivableGovernmentGuaranteedLoans" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <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="NonPerformingLoanInterestIncome" id="ibcp_NonPerformingLoanInterestIncome" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" />
  <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="DeferredTaxAssetsVehicleServiceContractCounterpartyContingencyReserve" id="ibcp_DeferredTaxAssetsVehicleServiceContractCounterpartyContingencyReserve" 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="DeferredTaxAssetsUnrealizedLossesOnEquitySecurities" id="ibcp_DeferredTaxAssetsUnrealizedLossesOnEquitySecurities" 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="DeferredTaxAssetsLossReimbursementOnSoldLoansReserve" id="ibcp_DeferredTaxAssetsLossReimbursementOnSoldLoansReserve" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="DeferredTaxLiabilitiesCapitalizedMortgageLoanServicingRights" id="ibcp_DeferredTaxLiabilitiesCapitalizedMortgageLoanServicingRights" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <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="DeferredTaxLiabilitiesPurchasePremiumsNet" id="ibcp_DeferredTaxLiabilitiesPurchasePremiumsNet" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" />
  <xs:element name="DeferredTaxLiabilityLeaseRightOfUseAsset" id="ibcp_DeferredTaxLiabilityLeaseRightOfUseAsset" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" />
  <xs:element name="DeferredTaxLiabilitiesUnrealizedGainsOnSecuritiesAvailableForSale" id="ibcp_DeferredTaxLiabilitiesUnrealizedGainsOnSecuritiesAvailableForSale" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" />
  <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="DeferredTaxLiabilitiesFederalHomeLoanBankStock" id="ibcp_DeferredTaxLiabilitiesFederalHomeLoanBankStock" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" 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="DeferredTaxAssetsLeaseLiabilities" id="ibcp_DeferredTaxAssetsLeaseLiabilities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <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="DeferredTaxAssetsReserveForUnfundedLendingCommitments" id="ibcp_DeferredTaxAssetsReserveForUnfundedLendingCommitments" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" 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="LesseeOperatingLeaseBalanceSheetInformationTableTextBlock" id="ibcp_LesseeOperatingLeaseBalanceSheetInformationTableTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" 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="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="NonWatch16Member" id="ibcp_NonWatch16Member" 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:schema>
