XML 38 R23.htm IDEA: XBRL DOCUMENT v3.3.0.814

Loans and Allowance for Loan Losses (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014
Allowance for Loan Losses
Beginning balance	$ 4,352	$ 4,656	$ 4,173	$ 4,735
Charge-offs	(90)	(89)	(218)	(501)
Recoveries	$ 55	$ 93	262	326
Provision			100	100
Ending balance	$ 4,317	$ 4,660	4,317	4,660
Individually evaluated for impairment	684	1,381	684	1,381
Collectively evaluated for impairment	3,633	3,279	3,633	3,279
Loans
Individually evaluated for impairment, beginning			6,885
Collectively evaluated for impairment, beginning			339,228
Loans, beginning			346,113
Individually evaluated for impairment, ending	6,025		6,025
Collectively evaluated for impairment, ending	337,021		337,021
Loans, ending	343,046		343,046
Agricultural [Member]
Allowance for Loan Losses
Beginning balance	$ 279	$ 180	$ 187	$ 179
Charge-offs
Recoveries		$ 6	$ 1	$ 10
Provision	$ 10	(47)	101	(50)
Ending balance	289	139	289	139
Individually evaluated for impairment	3	6	3	6
Collectively evaluated for impairment	286	133	286	133
Loans
Collectively evaluated for impairment, beginning			41,098
Loans, beginning			41,098
Individually evaluated for impairment, ending	51		51
Collectively evaluated for impairment, ending	37,626		37,626
Loans, ending	37,677		37,677
Commercial and Industrial [Member]
Allowance for Loan Losses
Beginning balance	$ 498	$ 677	$ 527	$ 562
Charge-offs
Recoveries	$ 11	$ 23	$ 59	$ 90
Provision	(14)	(78)	(91)	(30)
Ending balance	495	622	495	622
Individually evaluated for impairment	1	18	1	18
Collectively evaluated for impairment	494	604	494	604
Loans
Individually evaluated for impairment, beginning			38
Collectively evaluated for impairment, beginning			88,024
Loans, beginning			88,062
Individually evaluated for impairment, ending	107		107
Collectively evaluated for impairment, ending	88,658		88,658
Loans, ending	88,765		88,765
Consumer [Member]
Allowance for Loan Losses
Beginning balance	193	195	183	192
Charge-offs	(65)	(82)	(172)	(199)
Recoveries	25	39	104	146
Provision	57	42	95	55
Ending balance	210	194	210	194
Individually evaluated for impairment	29	3	29	3
Collectively evaluated for impairment	181	191	181	191
Loans
Individually evaluated for impairment, beginning			36
Collectively evaluated for impairment, beginning			20,716
Loans, beginning			20,752
Individually evaluated for impairment, ending	69		69
Collectively evaluated for impairment, ending	20,504		20,504
Loans, ending	20,573		20,573
Commercial Real Estate [Member]
Allowance for Loan Losses
Beginning balance	$ 1,284	$ 1,743	$ 1,641	1,842
Charge-offs				(185)
Recoveries	$ 15	$ 16	$ 36	39
Provision	(179)	325	(557)	388
Ending balance	1,120	2,084	1,120	2,084
Individually evaluated for impairment	296	1,053	296	1,053
Collectively evaluated for impairment	824	1,031	824	1,031
Loans
Individually evaluated for impairment, beginning			3,853
Collectively evaluated for impairment, beginning			95,954
Loans, beginning			99,807
Individually evaluated for impairment, ending	3,325		3,325
Collectively evaluated for impairment, ending	95,879		95,879
Loans, ending	99,204		99,204
Construction Real Estate [Member]
Allowance for Loan Losses
Beginning balance	$ 28	$ 5	$ 9	$ 12
Charge-offs
Recoveries
Provision	$ 15	$ 1	$ 34	$ (6)
Ending balance	$ 43	$ 6	$ 43	$ 6
Individually evaluated for impairment
Collectively evaluated for impairment	$ 43	$ 6	$ 43	$ 6
Loans
Collectively evaluated for impairment, beginning			2,691
Loans, beginning			$ 2,691
Individually evaluated for impairment, ending
Collectively evaluated for impairment, ending	$ 4,701		$ 4,701
Loans, ending	4,701		4,701
Residential Real Estate [Member]
Allowance for Loan Losses
Beginning balance	1,375	1,269	1,193	1,625
Charge-offs	(25)	(7)	(46)	(117)
Recoveries	4	9	62	41
Provision	(2)	(120)	143	(398)
Ending balance	1,352	1,151	1,352	1,151
Individually evaluated for impairment	355	301	355	301
Collectively evaluated for impairment	997	850	997	850
Loans
Individually evaluated for impairment, beginning			2,958
Collectively evaluated for impairment, beginning			90,745
Loans, beginning			93,703
Individually evaluated for impairment, ending	2,473		2,473
Collectively evaluated for impairment, ending	89,653		89,653
Loans, ending	92,126		92,126
Unallocated [Member]
Allowance for Loan Losses
Beginning balance	$ 695	$ 587	$ 433	$ 323
Charge-offs
Recoveries
Provision	$ 113	$ (123)	$ 375	$ 141
Ending balance	$ 808	$ 464	$ 808	$ 464
Individually evaluated for impairment
Collectively evaluated for impairment	$ 808	$ 464	$ 808	$ 464

X

- Definition

Loans Transferred to Other Real Estate

+ References

No definition available.

+ Details

Name:	cofs_AllowanceForLoanAndLeaseLossesRollForwardAbstract
Namespace Prefix:	cofs_
Data Type:	xbrli:stringItemType
Balance Type:	na
Period Type:	duration

X

- Definition

The valuation allowance for financing receivables that are expected to be uncollectible that were collectively evaluated for impairment.

+ References

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



-Publisher FASB



-Name Accounting Standards Codification



-Topic 310



-SubTopic 10



-Section 50



-Paragraph 11B



-Subparagraph (g)



-URI http://asc.fasb.org/extlink&oid=49124121&loc=SL6953423-111524

+ Details

Name:	us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment
Namespace Prefix:	us-gaap_
Data Type:	xbrli:monetaryItemType
Balance Type:	credit
Period Type:	instant

X

- Definition

Amount of valuation allowance for financing receivables that are expected to be uncollectible that were individually evaluated for impairment.

+ References

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



-Publisher FASB



-Name Accounting Standards Codification



-Topic 310



-SubTopic 10



-Section 50



-Paragraph 11B



-Subparagraph (g)



-URI http://asc.fasb.org/extlink&oid=49124121&loc=SL6953423-111524

+ Details

Name:	us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1
Namespace Prefix:	us-gaap_
Data Type:	xbrli:monetaryItemType
Balance Type:	credit
Period Type:	instant

X

- Definition

Amount of recovery of financing receivables doubtful of collection that were previously charged off.

+ References

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



-Publisher FASB



-Name Accounting Standards Codification



-Topic 310



-SubTopic 10



-Section 50



-Paragraph 11B



-Subparagraph (c)(4)



-URI http://asc.fasb.org/extlink&oid=49124121&loc=SL6953423-111524

+ Details

Name:	us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery
Namespace Prefix:	us-gaap_
Data Type:	xbrli:monetaryItemType
Balance Type:	credit
Period Type:	duration

X

- Definition

Amount of direct write-downs of financing receivables charged against the allowance.

+ References

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



-Publisher FASB



-Name Accounting Standards Codification



-Topic 310



-SubTopic 10



-Section 50



-Paragraph 11B



-Subparagraph (c)(3)



-URI http://asc.fasb.org/extlink&oid=49124121&loc=SL6953423-111524

+ Details

Name:	us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs
Namespace Prefix:	us-gaap_
Data Type:	xbrli:monetaryItemType
Balance Type:	debit
Period Type:	duration

X

- Definition

The balance of financing receivables that were collectively evaluated for impairment.

+ References

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



-Publisher FASB



-Name Accounting Standards Codification



-Topic 310



-SubTopic 10



-Section 50



-Paragraph 11B



-Subparagraph (h)



-URI http://asc.fasb.org/extlink&oid=49124121&loc=SL6953423-111524

+ Details

Name:	us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment
Namespace Prefix:	us-gaap_
Data Type:	xbrli:monetaryItemType
Balance Type:	debit
Period Type:	instant

X

- Definition

The balance of financing receivables that were individually evaluated for impairment.

+ References

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



-Publisher FASB



-Name Accounting Standards Codification



-Topic 310



-SubTopic 10



-Section 50



-Paragraph 11B



-Subparagraph (h)



-URI http://asc.fasb.org/extlink&oid=49124121&loc=SL6953423-111524

+ Details

Name:	us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment
Namespace Prefix:	us-gaap_
Data Type:	xbrli:monetaryItemType
Balance Type:	debit
Period Type:	instant

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 310



-SubTopic 10



-Section 50



-Paragraph 11B



-Subparagraph (g)



-URI http://asc.fasb.org/extlink&oid=49124121&loc=SL6953423-111524



Reference 2: http://www.xbrl.org/2003/role/presentationRef



-Publisher FASB



-Name Accounting Standards Codification



-Topic 310



-SubTopic 10



-Section 50



-Paragraph 11B



-Subparagraph (c)(1)



-URI http://asc.fasb.org/extlink&oid=49124121&loc=SL6953423-111524



Reference 3: 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))



-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878



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



-Publisher FASB



-Name Accounting Standards Codification



-Topic 310



-SubTopic 30



-Section 50



-Paragraph 2



-Subparagraph (b)(1)(ii)



-URI http://asc.fasb.org/extlink&oid=6379141&loc=d3e15032-111544



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



-Publisher SEC



-Name Staff Accounting Bulletin (SAB)



-Number Topic 6



-Section L



-Subsection 1

+ Details

Name:	us-gaap_LoansAndLeasesReceivableAllowance
Namespace Prefix:	us-gaap_
Data Type:	xbrli:monetaryItemType
Balance Type:	credit
Period Type:	instant

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



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

+ Details

Name:	us-gaap_LoansAndLeasesReceivableGrossCarryingAmount
Namespace Prefix:	us-gaap_
Data Type:	xbrli:monetaryItemType
Balance Type:	debit
Period Type:	instant

X

- References

No definition available.

+ Details

Name:	us-gaap_LoansAndLeasesReceivableGrossCarryingAmountAbstract
Namespace Prefix:	us-gaap_
Data Type:	xbrli:stringItemType
Balance Type:	na
Period Type:	duration

X

- Definition

Amount of expense related loan transactions, lease transactions, credit loss from transactions other than loan and lease transactions, and other loss based on assessment of uncollectability from the counterparty to reduce the account to their net realizable value.

+ References

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



-Publisher FASB



-Name Accounting Standards Codification



-Topic 310



-SubTopic 10



-Section 50



-Paragraph 11B



-Subparagraph (c)(2)



-URI http://asc.fasb.org/extlink&oid=49124121&loc=SL6953423-111524



Reference 2: http://www.xbrl.org/2003/role/presentationRef



-Publisher FASB



-Name Accounting Standards Codification



-Topic 942



-SubTopic 225



-Section S99



-Paragraph 1



-Subparagraph (SX 210.9-04.11)



-URI http://asc.fasb.org/extlink&oid=6879574&loc=d3e536633-122882



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



-Publisher FASB



-Name Accounting Standards Codification



-Topic 230



-SubTopic 10



-Section 45



-Paragraph 28



-Subparagraph (a)



-URI http://asc.fasb.org/extlink&oid=56944662&loc=d3e3602-108585

+ Details

Name:	us-gaap_ProvisionForLoanLeaseAndOtherLosses
Namespace Prefix:	us-gaap_
Data Type:	xbrli:monetaryItemType
Balance Type:	debit
Period Type:	duration

X

- Details

Name:	us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=cofs_AgriculturalMember
Namespace Prefix:
Data Type:	na
Balance Type:
Period Type:

X

- Details

Name:	us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=cofs_FinancingReceivableCommercialAndIndustrialMember
Namespace Prefix:
Data Type:	na
Balance Type:
Period Type:

X

- Details

Name:	us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConsumerPortfolioSegmentMember
Namespace Prefix:
Data Type:	na
Balance Type:
Period Type:

X

- Details

Name:	us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialRealEstatePortfolioSegmentMember
Namespace Prefix:
Data Type:	na
Balance Type:
Period Type:

X

- Details

Name:	us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConstructionLoansMember
Namespace Prefix:
Data Type:	na
Balance Type:
Period Type:

X

- Details

Name:	us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ResidentialPortfolioSegmentMember
Namespace Prefix:
Data Type:	na
Balance Type:
Period Type:

X

- Details

Name:	us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_UnallocatedFinancingReceivablesMember
Namespace Prefix:
Data Type:	na
Balance Type:
Period Type: