XML 83 R66.htm IDEA: XBRL DOCUMENT
v3.3.1.900

Loans and Allowance for Loan Losses (Details 5) - USD ($) $ in Thousands | 12 Months Ended
--- | ---
Dec. 31, 2015 | Dec. 31, 2014
Impaired and Restructured Loans with or with no related allowance recorded |  |
Recorded Investment With no related allowance recorded | $ 1,627 | $ 961
Unpaid Principal Balance With no related allowance recorded | 1,656 | 972
Average Recorded Investment With no related allowance recorded | 1,279 | 1,018
Interest Income Recognized With no related allowance recorded | 11 | 15
Recorded Investment With an allowance recorded | 3,958 | 5,924
Unpaid Principal Balance With an allowance recorded | 4,463 | 7,000
Related Allowance | 506 | 1,114
Average Recorded Investment With an allowance recorded | 4,567 | 6,708
Interest Income Recognized With an allowance recorded | 148 | 179
Recorded Investment | 5,585 | 6,885
Unpaid Principal Balance | 6,119 | 7,972
Average Recorded Investment | 5,846 | 7,726
Interest Income Recognized | 159 | 194
Agricultural [Member] |  |
Impaired and Restructured Loans with or with no related allowance recorded |  |
Average Recorded Investment With no related allowance recorded |  | 90
Recorded Investment With an allowance recorded | 50 |
Unpaid Principal Balance With an allowance recorded | 50 |
Related Allowance | 3 |
Average Recorded Investment With an allowance recorded | 62 | 130
Interest Income Recognized With an allowance recorded | (6) |
Recorded Investment | 50 |
Unpaid Principal Balance | 50 |
Average Recorded Investment | 62 | 220
Interest Income Recognized | (6) |
Commercial and Industrial [Member] |  |
Impaired and Restructured Loans with or with no related allowance recorded |  |
Recorded Investment With no related allowance recorded | 74 | 38
Unpaid Principal Balance With no related allowance recorded | 103 | 43
Average Recorded Investment With no related allowance recorded | 25 | 81
Recorded Investment With an allowance recorded | 118 |
Unpaid Principal Balance With an allowance recorded | 118 |
Related Allowance | 15 |
Average Recorded Investment With an allowance recorded | 44 | 292
Interest Income Recognized With an allowance recorded | 1 | 4
Recorded Investment | 192 | 38
Unpaid Principal Balance | 221 | 43
Average Recorded Investment | 69 | 373
Interest Income Recognized | 1 | 4
Consumer [Member] |  |
Impaired and Restructured Loans with or with no related allowance recorded |  |
Recorded Investment With no related allowance recorded |  | 8
Unpaid Principal Balance With no related allowance recorded |  | 8
Average Recorded Investment With no related allowance recorded | 2 | 3
Recorded Investment With an allowance recorded | 24 | 28
Unpaid Principal Balance With an allowance recorded | 24 | 28
Related Allowance | 1 | 4
Average Recorded Investment With an allowance recorded | 34 | 31
Interest Income Recognized With an allowance recorded | 3 | 3
Recorded Investment | 24 | 36
Unpaid Principal Balance | 24 | 36
Average Recorded Investment | 36 | 34
Interest Income Recognized | 3 | 3
Commercial Real Estate [Member] |  |
Impaired and Restructured Loans with or with no related allowance recorded |  |
Recorded Investment With no related allowance recorded | 1,540 | 413
Unpaid Principal Balance With no related allowance recorded | 1,540 | 419
Average Recorded Investment With no related allowance recorded | 1,061 | 352
Interest Income Recognized With no related allowance recorded | 11 | 6
Recorded Investment With an allowance recorded | 1,250 | 3,440
Unpaid Principal Balance With an allowance recorded | 1,755 | 4,498
Related Allowance | 191 | 745
Average Recorded Investment With an allowance recorded | 2,002 | 3,932
Interest Income Recognized With an allowance recorded | 64 | 81
Recorded Investment | 2,790 | 3,853
Unpaid Principal Balance | 3,295 | 4,917
Average Recorded Investment | 3,063 | 4,284
Interest Income Recognized | 75 | 87
Residential Real Estate [Member] |  |
Impaired and Restructured Loans with or with no related allowance recorded |  |
Recorded Investment With no related allowance recorded | 13 | 502
Unpaid Principal Balance With no related allowance recorded | 13 | 502
Average Recorded Investment With no related allowance recorded | 191 | 492
Interest Income Recognized With no related allowance recorded |  | 9
Recorded Investment With an allowance recorded | 2,516 | 2,456
Unpaid Principal Balance With an allowance recorded | 2,516 | 2,474
Related Allowance | 296 | 365
Average Recorded Investment With an allowance recorded | 2,425 | 2,323
Interest Income Recognized With an allowance recorded | 86 | 91
Recorded Investment | 2,529 | 2,958
Unpaid Principal Balance | 2,529 | 2,976
Average Recorded Investment | 2,616 | 2,815
Interest Income Recognized | $ 86 | $ 100

X
- References No definition available. + Details
Name: | cofs_ImpairedFinancingReceivableithWithOrWithNoRelatedAllowanceRecordedAbstract
Namespace Prefix: | cofs_
Data Type: | xbrli:stringItemType
Balance Type: | na
Period Type: | duration

X
- Definition Average amount of investment of impaired financing receivables with related allowance for credit losses and without a related allowance for credit losses. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 15 -Subparagraph (c)(1) -URI http://asc.fasb.org/extlink&oid=66008989&loc=d3e5212-111524 Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 17 -URI http://asc.fasb.org/extlink&oid=66008989&loc=d3e5258-111524 + Details
Name: | us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | duration

X
- Definition Amount of interest income recognized that the financing receivables (with related allowance for credit losses and without a related allowance for credit losses) were impaired. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 15 -Subparagraph (c)(2) -URI http://asc.fasb.org/extlink&oid=66008989&loc=d3e5212-111524 + Details
Name: | us-gaap_ImpairedFinancingReceivableInterestIncomeAccrualMethod
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | credit
Period Type: | duration

X
- Definition Amount of investment of impaired financing receivables with related allowance for credit losses and without a related allowance for credit losses. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 14A -Subparagraph (b) -URI http://asc.fasb.org/extlink&oid=66008989&loc=SL6953550-111524 + Details
Name: | us-gaap_ImpairedFinancingReceivableRecordedInvestment
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | instant

X
- Definition Amount of allowance for credit losses related to recorded investment. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Glossary Recorded Investment -URI http://asc.fasb.org/extlink&oid=65880944 Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 15 -Subparagraph (a)(3) -URI http://asc.fasb.org/extlink&oid=66008989&loc=d3e5212-111524 + Details
Name: | us-gaap_ImpairedFinancingReceivableRelatedAllowance
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | credit
Period Type: | instant

X
- Definition Amount of unpaid principal balance of impaired financing receivables with related allowance for credit losses and without related allowance for credit losses. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 15 -Subparagraph (a)(4) -URI http://asc.fasb.org/extlink&oid=66008989&loc=d3e5212-111524 + Details
Name: | us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalance
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | instant

X
- Definition Amount of average investment of impaired financing receivables for which there is no related allowance for credit losses. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 17 -URI http://asc.fasb.org/extlink&oid=66008989&loc=d3e5258-111524 Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 15 -Subparagraph (c)(1) -URI http://asc.fasb.org/extlink&oid=66008989&loc=d3e5212-111524 + Details
Name: | us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceAverageRecordedInvestment
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | duration

X
- Definition Amount of interest income, recognized on accrual basis, on financing receivables that are recognized as impaired, for which there is no related allowance for credit losses. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 15 -Subparagraph (c)(2) -URI http://asc.fasb.org/extlink&oid=66008989&loc=d3e5212-111524 + Details
Name: | us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | credit
Period Type: | duration

X
- Definition Amount of investment in impaired financing receivables for which there is no related allowance for credit losses. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 14A -Subparagraph (b) -URI http://asc.fasb.org/extlink&oid=66008989&loc=SL6953550-111524 + Details
Name: | us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | instant

X
- Definition Amount of unpaid principal balance of impaired financing receivables for which there is no related allowance for credit losses. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 15 -Subparagraph (a)(4) -URI http://asc.fasb.org/extlink&oid=66008989&loc=d3e5212-111524 + Details
Name: | us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceUnpaidPrincipalBalance
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | instant

X
- Definition Amount of average investment of impaired financing receivables for which there is a related allowance for credit losses. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 15 -Subparagraph (c)(1) -URI http://asc.fasb.org/extlink&oid=66008989&loc=d3e5212-111524 Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 17 -URI http://asc.fasb.org/extlink&oid=66008989&loc=d3e5258-111524 + Details
Name: | us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceAverageRecordedInvestment
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | duration

X
- Definition Amount of interest income, recognized on accrual basis, on financing receivables, for which there is a related allowance for credit losses and are recognized as impaired. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 15 -Subparagraph (c)(2) -URI http://asc.fasb.org/extlink&oid=66008989&loc=d3e5212-111524 + Details
Name: | us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceInterestIncomeAccrualMethod
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | credit
Period Type: | duration

X
- Definition Amount of investment in impaired financing receivables for which there is a related allowance for credit losses. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 14A -Subparagraph (b) -URI http://asc.fasb.org/extlink&oid=66008989&loc=SL6953550-111524 + Details
Name: | us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | instant

X
- Definition Unpaid principal balance of impaired financing receivables for which there is a related allowance for credit losses. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 15 -Subparagraph (a)(4) -URI http://asc.fasb.org/extlink&oid=66008989&loc=d3e5212-111524 + Details
Name: | us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceUnpaidPrincipalBalance
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | instant

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_ResidentialPortfolioSegmentMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |