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CONSOLIDATED STATEMENTS OF INCOME (USD $)
In Thousands, except Per Share data, unless otherwise specified
12 Months Ended
Dec. 31, 2014
Dec. 31, 2013
Dec. 31, 2012
Interest income      
Loans, including fees $ 15,765us-gaap_InterestAndFeeIncomeLoansAndLeases $ 15,801us-gaap_InterestAndFeeIncomeLoansAndLeases $ 16,875us-gaap_InterestAndFeeIncomeLoansAndLeases
Securities:      
Taxable 1,847us-gaap_InterestIncomeSecuritiesTaxable 1,812us-gaap_InterestIncomeSecuritiesTaxable 1,958us-gaap_InterestIncomeSecuritiesTaxable
Tax exempt 1,393us-gaap_InterestIncomeSecuritiesTaxExempt 1,390us-gaap_InterestIncomeSecuritiesTaxExempt 1,361us-gaap_InterestIncomeSecuritiesTaxExempt
Other 9us-gaap_OtherInterestAndDividendIncome 12us-gaap_OtherInterestAndDividendIncome 25us-gaap_OtherInterestAndDividendIncome
Total interest income 19,014us-gaap_InterestAndDividendIncomeOperating 19,015us-gaap_InterestAndDividendIncomeOperating 20,219us-gaap_InterestAndDividendIncomeOperating
Interest expense      
Deposits 1,042us-gaap_InterestExpenseDeposits 1,328us-gaap_InterestExpenseDeposits 2,087us-gaap_InterestExpenseDeposits
Advances from Federal Home Loan Bank 63us-gaap_InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesLongTerm 45us-gaap_InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesLongTerm 271us-gaap_InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesLongTerm
Other 46us-gaap_InterestExpenseFederalFundsPurchasedAndSecuritiesSoldUnderAgreementsToRepurchase 46us-gaap_InterestExpenseFederalFundsPurchasedAndSecuritiesSoldUnderAgreementsToRepurchase 186us-gaap_InterestExpenseFederalFundsPurchasedAndSecuritiesSoldUnderAgreementsToRepurchase
Total interest expense 1,151us-gaap_InterestExpense 1,419us-gaap_InterestExpense 2,544us-gaap_InterestExpense
Net interest income 17,863us-gaap_InterestIncomeExpenseNet 17,596us-gaap_InterestIncomeExpenseNet 17,675us-gaap_InterestIncomeExpenseNet
Provision for loan losses (Note 3) 100us-gaap_ProvisionForLoanAndLeaseLosses 300us-gaap_ProvisionForLoanAndLeaseLosses 2,515us-gaap_ProvisionForLoanAndLeaseLosses
Net interest income after provision for loan losses 17,763us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss 17,296us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss 15,160us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss
Noninterest income      
Customer service charges 3,951us-gaap_FeesAndCommissionsDepositorAccounts 3,677us-gaap_FeesAndCommissionsDepositorAccounts 3,365us-gaap_FeesAndCommissionsDepositorAccounts
Insurance and investment commissions 906us-gaap_InsuranceCommissionsAndFees 826us-gaap_InsuranceCommissionsAndFees 711us-gaap_InsuranceCommissionsAndFees
Gains on sales of loans (Note 4) 1,023us-gaap_GainLossOnSalesOfLoansNet 1,566us-gaap_GainLossOnSalesOfLoansNet 1,634us-gaap_GainLossOnSalesOfLoansNet
Net gains on sales of securities (Note 2) 311us-gaap_GainLossOnSaleOfSecuritiesNet 137us-gaap_GainLossOnSaleOfSecuritiesNet 419us-gaap_GainLossOnSaleOfSecuritiesNet
Net losses on sales and write-downs of other assets (Note 7) (135)us-gaap_GainLossOnSaleOfOtherAssets (822)us-gaap_GainLossOnSaleOfOtherAssets (358)us-gaap_GainLossOnSaleOfOtherAssets
Earnings on life insurance policies 302us-gaap_BankOwnedLifeInsuranceIncome 299us-gaap_BankOwnedLifeInsuranceIncome 447us-gaap_BankOwnedLifeInsuranceIncome
Other 444us-gaap_NoninterestIncomeOther 562us-gaap_NoninterestIncomeOther 671us-gaap_NoninterestIncomeOther
Total noninterest income 6,802us-gaap_NoninterestIncome 6,245us-gaap_NoninterestIncome 6,889us-gaap_NoninterestIncome
Noninterest expense      
Salaries and benefits (Notes 13 and 14) 8,456us-gaap_LaborAndRelatedExpense 8,240us-gaap_LaborAndRelatedExpense 7,873us-gaap_LaborAndRelatedExpense
Occupancy and equipment (Note 5) 2,389us-gaap_OccupancyNet 2,341us-gaap_OccupancyNet 2,256us-gaap_OccupancyNet
Data processing 1,857us-gaap_InformationTechnologyAndDataProcessing 1,675us-gaap_InformationTechnologyAndDataProcessing 1,852us-gaap_InformationTechnologyAndDataProcessing
Professional fees 889us-gaap_ProfessionalFees 887us-gaap_ProfessionalFees 887us-gaap_ProfessionalFees
Supplies and postage 440us-gaap_SuppliesAndPostageExpense 493us-gaap_SuppliesAndPostageExpense 430us-gaap_SuppliesAndPostageExpense
Advertising and promotional 275us-gaap_MarketingAndAdvertisingExpense 239us-gaap_MarketingAndAdvertisingExpense 212us-gaap_MarketingAndAdvertisingExpense
Intangible amortization (Note 6) 448us-gaap_AmortizationOfIntangibleAssets 448us-gaap_AmortizationOfIntangibleAssets 448us-gaap_AmortizationOfIntangibleAssets
Loan and collection expense 122cofs_LoanAndCollectionExpense 377cofs_LoanAndCollectionExpense 589cofs_LoanAndCollectionExpense
FDIC insurance 337us-gaap_FederalDepositInsuranceCorporationPremiumExpense 330us-gaap_FederalDepositInsuranceCorporationPremiumExpense 377us-gaap_FederalDepositInsuranceCorporationPremiumExpense
Other 1,581us-gaap_OtherNoninterestExpense 1,634us-gaap_OtherNoninterestExpense 1,520us-gaap_OtherNoninterestExpense
Total noninterest expense 16,794us-gaap_NoninterestExpense 16,664us-gaap_NoninterestExpense 16,444us-gaap_NoninterestExpense
Income before income tax 7,771us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments 6,877us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments 5,605us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments
Income tax expense (Note 11) 2,076us-gaap_IncomeTaxExpenseBenefit 1,783us-gaap_IncomeTaxExpenseBenefit 1,343us-gaap_IncomeTaxExpenseBenefit
Net income $ 5,695us-gaap_NetIncomeLoss $ 5,094us-gaap_NetIncomeLoss $ 4,262us-gaap_NetIncomeLoss
Basic earnings per share (Note 15) (in dollars per share) $ 1.73us-gaap_EarningsPerShareBasic $ 1.55us-gaap_EarningsPerShareBasic $ 1.29us-gaap_EarningsPerShareBasic
Diluted earnings per share (Note 15) (in dollars per share) $ 1.72us-gaap_EarningsPerShareDiluted $ 1.54us-gaap_EarningsPerShareDiluted $ 1.29us-gaap_EarningsPerShareDiluted
Dividends declared per share (in dollars per share) $ 0.59us-gaap_CommonStockDividendsPerShareDeclared $ 0.54us-gaap_CommonStockDividendsPerShareDeclared $ 0.50us-gaap_CommonStockDividendsPerShareDeclared