XML 122 R58.htm IDEA: XBRL DOCUMENT v2.4.1.9

Loans and Allowance for Loan Losses (Details) (USD $) In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
Loans	$ 346,113us-gaap_LoansAndLeasesReceivableGrossCarryingAmount	$ 315,966us-gaap_LoansAndLeasesReceivableGrossCarryingAmount	$ 311,468us-gaap_LoansAndLeasesReceivableGrossCarryingAmount
Allowance for loan losses	(4,173)us-gaap_LoansAndLeasesReceivableAllowance	(4,735)us-gaap_LoansAndLeasesReceivableAllowance	(5,852)us-gaap_LoansAndLeasesReceivableAllowance	(5,213)us-gaap_LoansAndLeasesReceivableAllowance
Loans, net	341,940us-gaap_LoansAndLeasesReceivableNetReportedAmount	311,231us-gaap_LoansAndLeasesReceivableNetReportedAmount
Agricultural [Member]
Loans	41,098us-gaap_LoansAndLeasesReceivableGrossCarryingAmount / us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis = cofs_AgriculturalMember	37,048us-gaap_LoansAndLeasesReceivableGrossCarryingAmount / us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis = cofs_AgriculturalMember	31,790us-gaap_LoansAndLeasesReceivableGrossCarryingAmount / us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis = cofs_AgriculturalMember
Allowance for loan losses	(186)us-gaap_LoansAndLeasesReceivableAllowance / us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis = cofs_AgriculturalMember	(178)us-gaap_LoansAndLeasesReceivableAllowance / us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis = cofs_AgriculturalMember	(140)us-gaap_LoansAndLeasesReceivableAllowance / us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis = cofs_AgriculturalMember	(55)us-gaap_LoansAndLeasesReceivableAllowance / us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis = cofs_AgriculturalMember
Commercial and Industrial [Member]
Loans	88,062us-gaap_LoansAndLeasesReceivableGrossCarryingAmount / us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis = cofs_FinancingReceivableCommercialAndIndustrialMember	68,530us-gaap_LoansAndLeasesReceivableGrossCarryingAmount / us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis = cofs_FinancingReceivableCommercialAndIndustrialMember	67,365us-gaap_LoansAndLeasesReceivableGrossCarryingAmount / us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis = cofs_FinancingReceivableCommercialAndIndustrialMember
Allowance for loan losses	(527)us-gaap_LoansAndLeasesReceivableAllowance / us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis = cofs_FinancingReceivableCommercialAndIndustrialMember	(562)us-gaap_LoansAndLeasesReceivableAllowance / us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis = cofs_FinancingReceivableCommercialAndIndustrialMember	(381)us-gaap_LoansAndLeasesReceivableAllowance / us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis = cofs_FinancingReceivableCommercialAndIndustrialMember	(609)us-gaap_LoansAndLeasesReceivableAllowance / us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis = cofs_FinancingReceivableCommercialAndIndustrialMember
Consumer [Member]
Loans	20,752us-gaap_LoansAndLeasesReceivableGrossCarryingAmount / us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis = us-gaap_ConsumerPortfolioSegmentMember	19,931us-gaap_LoansAndLeasesReceivableGrossCarryingAmount / us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis = us-gaap_ConsumerPortfolioSegmentMember	19,367us-gaap_LoansAndLeasesReceivableGrossCarryingAmount / us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis = us-gaap_ConsumerPortfolioSegmentMember
Allowance for loan losses	(184)us-gaap_LoansAndLeasesReceivableAllowance / us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis = us-gaap_ConsumerPortfolioSegmentMember	(192)us-gaap_LoansAndLeasesReceivableAllowance / us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis = us-gaap_ConsumerPortfolioSegmentMember	(250)us-gaap_LoansAndLeasesReceivableAllowance / us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis = us-gaap_ConsumerPortfolioSegmentMember	(197)us-gaap_LoansAndLeasesReceivableAllowance / us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis = us-gaap_ConsumerPortfolioSegmentMember
Commercial Real Estate [Member]
Loans	99,807us-gaap_LoansAndLeasesReceivableGrossCarryingAmount / us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis = us-gaap_CommercialRealEstatePortfolioSegmentMember	96,987us-gaap_LoansAndLeasesReceivableGrossCarryingAmount / us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis = us-gaap_CommercialRealEstatePortfolioSegmentMember	93,312us-gaap_LoansAndLeasesReceivableGrossCarryingAmount / us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis = us-gaap_CommercialRealEstatePortfolioSegmentMember
Allowance for loan losses	(1,641)us-gaap_LoansAndLeasesReceivableAllowance / us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis = us-gaap_CommercialRealEstatePortfolioSegmentMember	(1,842)us-gaap_LoansAndLeasesReceivableAllowance / us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis = us-gaap_CommercialRealEstatePortfolioSegmentMember	(2,596)us-gaap_LoansAndLeasesReceivableAllowance / us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis = us-gaap_CommercialRealEstatePortfolioSegmentMember	(2,299)us-gaap_LoansAndLeasesReceivableAllowance / us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis = us-gaap_CommercialRealEstatePortfolioSegmentMember
Construction Real Estate [Member]
Loans	2,691us-gaap_LoansAndLeasesReceivableGrossCarryingAmount / us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis = us-gaap_ConstructionLoansMember	890us-gaap_LoansAndLeasesReceivableGrossCarryingAmount / us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis = us-gaap_ConstructionLoansMember	1,056us-gaap_LoansAndLeasesReceivableGrossCarryingAmount / us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis = us-gaap_ConstructionLoansMember
Allowance for loan losses	(9)us-gaap_LoansAndLeasesReceivableAllowance / us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis = us-gaap_ConstructionLoansMember	(12)us-gaap_LoansAndLeasesReceivableAllowance / us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis = us-gaap_ConstructionLoansMember	(15)us-gaap_LoansAndLeasesReceivableAllowance / us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis = us-gaap_ConstructionLoansMember	(34)us-gaap_LoansAndLeasesReceivableAllowance / us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis = us-gaap_ConstructionLoansMember
Residential Real Estate [Member]
Loans	93,703us-gaap_LoansAndLeasesReceivableGrossCarryingAmount / us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis = us-gaap_ResidentialPortfolioSegmentMember	92,580us-gaap_LoansAndLeasesReceivableGrossCarryingAmount / us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis = us-gaap_ResidentialPortfolioSegmentMember	98,578us-gaap_LoansAndLeasesReceivableGrossCarryingAmount / us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis = us-gaap_ResidentialPortfolioSegmentMember
Allowance for loan losses	$ (1,193)us-gaap_LoansAndLeasesReceivableAllowance / us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis = us-gaap_ResidentialPortfolioSegmentMember	$ (1,626)us-gaap_LoansAndLeasesReceivableAllowance / us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis = us-gaap_ResidentialPortfolioSegmentMember	$ (1,923)us-gaap_LoansAndLeasesReceivableAllowance / us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis = us-gaap_ResidentialPortfolioSegmentMember	$ (1,847)us-gaap_LoansAndLeasesReceivableAllowance / us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis = us-gaap_ResidentialPortfolioSegmentMember

X

- Definition

Amount of allowance to cover probable credit losses on loans and leases. Includes carryover of or adjustments to the allowance for loan losses in connection with business combinations. Excludes allowance for loans and leases covered under loss sharing agreements.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 210

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-03.7(d))

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-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 03

-Paragraph 7

-Subparagraph d

-Article 9



Reference 3: http://www.xbrl.org/2003/role/presentationRef

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-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 11B

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-URI http://asc.fasb.org/extlink&oid=35738203&loc=SL6953423-111524



Reference 4: http://www.xbrl.org/2003/role/presentationRef

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Reference 5: http://www.xbrl.org/2003/role/presentationRef

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-Name Accounting Standards Codification

-Topic 310

-SubTopic 30

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-Paragraph 2

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Reference 6: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Staff Accounting Bulletin (SAB)

-Number Topic 6

-Section L

-Subsection 1

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X

- Definition

Amount before allowance of loans and leases held in portfolio, including but not limited to, commercial and consumer loans. Includes deferred interest and fees, undisbursed portion of loan balance, unamortized costs and premiums and discounts from face amounts. Excludes loans and leases covered under loss sharing agreements.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 45

-Paragraph 2

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- Definition

Amount after allowance and deduction of deferred interest and fees, unamortized costs and premiums and discounts from face amounts, of loans and leases held in portfolio, including but not limited to, commercial and consumer loans. Excludes loans and leases covered under loss sharing agreements and loans held for sale.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 45

-Paragraph 2

-URI http://asc.fasb.org/extlink&oid=28367877&loc=d3e4428-111522



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-Topic 942

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-Paragraph 1

-Subparagraph (SX 210.9-03.7)

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