XML 19 R28.htm IDEA: XBRL DOCUMENT v2.4.1.9
Loans and Allowance for Loan Losses (Details 5) (USD $)
In Thousands, unless otherwise specified
Mar. 31, 2015
Dec. 31, 2014
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Past Due Total $ 2,883us-gaap_FinancingReceivableRecordedInvestmentPastDue [1] $ 3,434us-gaap_FinancingReceivableRecordedInvestmentPastDue [1]
Loans Not Past Due 335,410us-gaap_FinancingReceivableRecordedInvestmentCurrent 342,679us-gaap_FinancingReceivableRecordedInvestmentCurrent
Loans 338,293us-gaap_LoansAndLeasesReceivableGrossCarryingAmount 346,113us-gaap_LoansAndLeasesReceivableGrossCarryingAmount
90 Days Past Due and Accruing   58us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing
30 to 59 Days [Member]    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Past Due Total 1,863us-gaap_FinancingReceivableRecordedInvestmentPastDue
/ us-gaap_FinancingReceivablesPeriodPastDueAxis
= us-gaap_FinancingReceivables30To59DaysPastDueMember
1,647us-gaap_FinancingReceivableRecordedInvestmentPastDue
/ us-gaap_FinancingReceivablesPeriodPastDueAxis
= us-gaap_FinancingReceivables30To59DaysPastDueMember
60 to 89 Days [Member]    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Past Due Total 269us-gaap_FinancingReceivableRecordedInvestmentPastDue
/ us-gaap_FinancingReceivablesPeriodPastDueAxis
= us-gaap_FinancingReceivables60To89DaysPastDueMember
725us-gaap_FinancingReceivableRecordedInvestmentPastDue
/ us-gaap_FinancingReceivablesPeriodPastDueAxis
= us-gaap_FinancingReceivables60To89DaysPastDueMember
Than 90 Days [Member]    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Past Due Total 752us-gaap_FinancingReceivableRecordedInvestmentPastDue
/ us-gaap_FinancingReceivablesPeriodPastDueAxis
= us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember
[1] 1,062us-gaap_FinancingReceivableRecordedInvestmentPastDue
/ us-gaap_FinancingReceivablesPeriodPastDueAxis
= us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember
[1]
Agricultural [Member]    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Past Due Total 210us-gaap_FinancingReceivableRecordedInvestmentPastDue
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= cofs_AgriculturalMember
[1]  
Loans Not Past Due 35,329us-gaap_FinancingReceivableRecordedInvestmentCurrent
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= cofs_AgriculturalMember
41,098us-gaap_FinancingReceivableRecordedInvestmentCurrent
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= cofs_AgriculturalMember
Loans 35,539us-gaap_LoansAndLeasesReceivableGrossCarryingAmount
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= cofs_AgriculturalMember
41,098us-gaap_LoansAndLeasesReceivableGrossCarryingAmount
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= cofs_AgriculturalMember
Agricultural [Member] | Than 90 Days [Member]    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Past Due Total 210us-gaap_FinancingReceivableRecordedInvestmentPastDue
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= cofs_AgriculturalMember
/ us-gaap_FinancingReceivablesPeriodPastDueAxis
= us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember
[1]  
Commercial and Industrial [Member]    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Past Due Total 555us-gaap_FinancingReceivableRecordedInvestmentPastDue
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= cofs_FinancingReceivableCommercialAndIndustrialMember
[1] 293us-gaap_FinancingReceivableRecordedInvestmentPastDue
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= cofs_FinancingReceivableCommercialAndIndustrialMember
[1]
Loans Not Past Due 87,734us-gaap_FinancingReceivableRecordedInvestmentCurrent
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= cofs_FinancingReceivableCommercialAndIndustrialMember
87,769us-gaap_FinancingReceivableRecordedInvestmentCurrent
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= cofs_FinancingReceivableCommercialAndIndustrialMember
Loans 88,289us-gaap_LoansAndLeasesReceivableGrossCarryingAmount
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= cofs_FinancingReceivableCommercialAndIndustrialMember
88,062us-gaap_LoansAndLeasesReceivableGrossCarryingAmount
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= cofs_FinancingReceivableCommercialAndIndustrialMember
Commercial and Industrial [Member] | 30 to 59 Days [Member]    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Past Due Total 309us-gaap_FinancingReceivableRecordedInvestmentPastDue
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= cofs_FinancingReceivableCommercialAndIndustrialMember
/ us-gaap_FinancingReceivablesPeriodPastDueAxis
= us-gaap_FinancingReceivables30To59DaysPastDueMember
33us-gaap_FinancingReceivableRecordedInvestmentPastDue
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= cofs_FinancingReceivableCommercialAndIndustrialMember
/ us-gaap_FinancingReceivablesPeriodPastDueAxis
= us-gaap_FinancingReceivables30To59DaysPastDueMember
Commercial and Industrial [Member] | 60 to 89 Days [Member]    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Past Due Total 247us-gaap_FinancingReceivableRecordedInvestmentPastDue
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= cofs_FinancingReceivableCommercialAndIndustrialMember
/ us-gaap_FinancingReceivablesPeriodPastDueAxis
= us-gaap_FinancingReceivables60To89DaysPastDueMember
260us-gaap_FinancingReceivableRecordedInvestmentPastDue
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= cofs_FinancingReceivableCommercialAndIndustrialMember
/ us-gaap_FinancingReceivablesPeriodPastDueAxis
= us-gaap_FinancingReceivables60To89DaysPastDueMember
Consumer [Member]    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Past Due Total 43us-gaap_FinancingReceivableRecordedInvestmentPastDue
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerPortfolioSegmentMember
[1] 76us-gaap_FinancingReceivableRecordedInvestmentPastDue
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerPortfolioSegmentMember
[1]
Loans Not Past Due 19,714us-gaap_FinancingReceivableRecordedInvestmentCurrent
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerPortfolioSegmentMember
20,676us-gaap_FinancingReceivableRecordedInvestmentCurrent
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerPortfolioSegmentMember
Loans 19,757us-gaap_LoansAndLeasesReceivableGrossCarryingAmount
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerPortfolioSegmentMember
20,752us-gaap_LoansAndLeasesReceivableGrossCarryingAmount
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerPortfolioSegmentMember
Consumer [Member] | 30 to 59 Days [Member]    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Past Due Total 40us-gaap_FinancingReceivableRecordedInvestmentPastDue
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerPortfolioSegmentMember
/ us-gaap_FinancingReceivablesPeriodPastDueAxis
= us-gaap_FinancingReceivables30To59DaysPastDueMember
66us-gaap_FinancingReceivableRecordedInvestmentPastDue
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerPortfolioSegmentMember
/ us-gaap_FinancingReceivablesPeriodPastDueAxis
= us-gaap_FinancingReceivables30To59DaysPastDueMember
Consumer [Member] | 60 to 89 Days [Member]    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Past Due Total 3us-gaap_FinancingReceivableRecordedInvestmentPastDue
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerPortfolioSegmentMember
/ us-gaap_FinancingReceivablesPeriodPastDueAxis
= us-gaap_FinancingReceivables60To89DaysPastDueMember
10us-gaap_FinancingReceivableRecordedInvestmentPastDue
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConsumerPortfolioSegmentMember
/ us-gaap_FinancingReceivablesPeriodPastDueAxis
= us-gaap_FinancingReceivables60To89DaysPastDueMember
Commercial Real Estate [Member]    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Past Due Total 1,453us-gaap_FinancingReceivableRecordedInvestmentPastDue
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstatePortfolioSegmentMember
[1] 922us-gaap_FinancingReceivableRecordedInvestmentPastDue
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstatePortfolioSegmentMember
[1]
Loans Not Past Due 98,899us-gaap_FinancingReceivableRecordedInvestmentCurrent
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstatePortfolioSegmentMember
98,885us-gaap_FinancingReceivableRecordedInvestmentCurrent
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstatePortfolioSegmentMember
Loans 100,352us-gaap_LoansAndLeasesReceivableGrossCarryingAmount
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstatePortfolioSegmentMember
99,807us-gaap_LoansAndLeasesReceivableGrossCarryingAmount
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstatePortfolioSegmentMember
Commercial Real Estate [Member] | 30 to 59 Days [Member]    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Past Due Total 1,097us-gaap_FinancingReceivableRecordedInvestmentPastDue
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstatePortfolioSegmentMember
/ us-gaap_FinancingReceivablesPeriodPastDueAxis
= us-gaap_FinancingReceivables30To59DaysPastDueMember
172us-gaap_FinancingReceivableRecordedInvestmentPastDue
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstatePortfolioSegmentMember
/ us-gaap_FinancingReceivablesPeriodPastDueAxis
= us-gaap_FinancingReceivables30To59DaysPastDueMember
Commercial Real Estate [Member] | 60 to 89 Days [Member]    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Past Due Total   51us-gaap_FinancingReceivableRecordedInvestmentPastDue
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstatePortfolioSegmentMember
/ us-gaap_FinancingReceivablesPeriodPastDueAxis
= us-gaap_FinancingReceivables60To89DaysPastDueMember
Commercial Real Estate [Member] | Than 90 Days [Member]    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Past Due Total 356us-gaap_FinancingReceivableRecordedInvestmentPastDue
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstatePortfolioSegmentMember
/ us-gaap_FinancingReceivablesPeriodPastDueAxis
= us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember
[1] 699us-gaap_FinancingReceivableRecordedInvestmentPastDue
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_CommercialRealEstatePortfolioSegmentMember
/ us-gaap_FinancingReceivablesPeriodPastDueAxis
= us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember
[1]
Construction Real Estate [Member]    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Loans Not Past Due 3,242us-gaap_FinancingReceivableRecordedInvestmentCurrent
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConstructionLoansMember
2,691us-gaap_FinancingReceivableRecordedInvestmentCurrent
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConstructionLoansMember
Loans 3,242us-gaap_LoansAndLeasesReceivableGrossCarryingAmount
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConstructionLoansMember
2,691us-gaap_LoansAndLeasesReceivableGrossCarryingAmount
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ConstructionLoansMember
Residential Real Estate [Member]    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Past Due Total 622us-gaap_FinancingReceivableRecordedInvestmentPastDue
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialPortfolioSegmentMember
[1] 2,143us-gaap_FinancingReceivableRecordedInvestmentPastDue
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialPortfolioSegmentMember
[1]
Loans Not Past Due 90,492us-gaap_FinancingReceivableRecordedInvestmentCurrent
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialPortfolioSegmentMember
91,560us-gaap_FinancingReceivableRecordedInvestmentCurrent
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialPortfolioSegmentMember
Loans 91,114us-gaap_LoansAndLeasesReceivableGrossCarryingAmount
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialPortfolioSegmentMember
93,703us-gaap_LoansAndLeasesReceivableGrossCarryingAmount
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialPortfolioSegmentMember
90 Days Past Due and Accruing 11us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialPortfolioSegmentMember
58us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialPortfolioSegmentMember
Residential Real Estate [Member] | 30 to 59 Days [Member]    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Past Due Total 417us-gaap_FinancingReceivableRecordedInvestmentPastDue
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialPortfolioSegmentMember
/ us-gaap_FinancingReceivablesPeriodPastDueAxis
= us-gaap_FinancingReceivables30To59DaysPastDueMember
1,376us-gaap_FinancingReceivableRecordedInvestmentPastDue
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialPortfolioSegmentMember
/ us-gaap_FinancingReceivablesPeriodPastDueAxis
= us-gaap_FinancingReceivables30To59DaysPastDueMember
Residential Real Estate [Member] | 60 to 89 Days [Member]    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Past Due Total 19us-gaap_FinancingReceivableRecordedInvestmentPastDue
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialPortfolioSegmentMember
/ us-gaap_FinancingReceivablesPeriodPastDueAxis
= us-gaap_FinancingReceivables60To89DaysPastDueMember
404us-gaap_FinancingReceivableRecordedInvestmentPastDue
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialPortfolioSegmentMember
/ us-gaap_FinancingReceivablesPeriodPastDueAxis
= us-gaap_FinancingReceivables60To89DaysPastDueMember
Residential Real Estate [Member] | Than 90 Days [Member]    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Past Due Total $ 186us-gaap_FinancingReceivableRecordedInvestmentPastDue
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialPortfolioSegmentMember
/ us-gaap_FinancingReceivablesPeriodPastDueAxis
= us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember
[1] $ 363us-gaap_FinancingReceivableRecordedInvestmentPastDue
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= us-gaap_ResidentialPortfolioSegmentMember
/ us-gaap_FinancingReceivablesPeriodPastDueAxis
= us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember
[1]
[1] Includes nonaccrual loans