XML 31 R31.htm IDEA: XBRL DOCUMENT
v3.19.3

LOANS AND ALLOWANCE FOR LOAN LOSSES (Details 1) - USD ($) $ in Thousands | Sep. 30, 2019 | Dec. 31, 2018 | Sep. 30, 2018
--- | --- | --- | ---
Financing Receivable, Allowance for Credit Loss [Line Items] |  |  |
Allowance for Loan Losses, Individually evaluated for impairment | $ 291 |  | $ 257
Allowance for Loan Losses, Collectively evaluated for impairment | 3,805 |  | 4,365
Loans, Individually evaluated for impairment | 5,665 | $ 4,024 |
Loans, Collectively evaluated for impairment | 401,141 | 405,049 |
Loans, Ending balance | 406,806 | 409,073 |
Agricultural [Member] |  |  |
Financing Receivable, Allowance for Credit Loss [Line Items] |  |  |
Allowance for Loan Losses, Individually evaluated for impairment | 85 |  | 13
Allowance for Loan Losses, Collectively evaluated for impairment | 388 |  | 351
Loans, Individually evaluated for impairment | 389 | 578 |
Loans, Collectively evaluated for impairment | 49,668 | 48,531 |
Loans, Ending balance | 50,057 | 49,109 |
Commercial and Industrial [Member] |  |  |
Financing Receivable, Allowance for Credit Loss [Line Items] |  |  |
Allowance for Loan Losses, Individually evaluated for impairment | 2 |  | 18
Allowance for Loan Losses, Collectively evaluated for impairment | 649 |  | 931
Loans, Individually evaluated for impairment | 279 | 21 |
Loans, Collectively evaluated for impairment | 81,252 | 91,385 |
Loans, Ending balance | 81,531 | 91,406 |
Consumer [Member] |  |  |
Financing Receivable, Allowance for Credit Loss [Line Items] |  |  |
Allowance for Loan Losses, Individually evaluated for impairment | 4 |  | 19
Allowance for Loan Losses, Collectively evaluated for impairment | 258 |  | 205
Loans, Individually evaluated for impairment | 20 | 90 |
Loans, Collectively evaluated for impairment | 24,388 | 24,292 |
Loans, Ending balance | 24,408 | 24,382 |
Commercial Real Estate [Member] |  |  |
Financing Receivable, Allowance for Credit Loss [Line Items] |  |  |
Allowance for Loan Losses, Individually evaluated for impairment | 14 |  | 27
Allowance for Loan Losses, Collectively evaluated for impairment | 1,629 |  | 1,923
Loans, Individually evaluated for impairment | 2,331 | 623 |
Loans, Collectively evaluated for impairment | 141,975 | 138,830 |
Loans, Ending balance | 144,306 | 139,453 |
Residential Real Estate [Member] |  |  |
Financing Receivable, Allowance for Credit Loss [Line Items] |  |  |
Allowance for Loan Losses, Individually evaluated for impairment | 186 |  | 180
Allowance for Loan Losses, Collectively evaluated for impairment | 250 |  | 437
Loans, Individually evaluated for impairment | 2,646 | 2,712 |
Loans, Collectively evaluated for impairment | 92,670 | 93,168 |
Loans, Ending balance | 95,316 | 95,880 |
Construction Real Estate [Member] |  |  |
Financing Receivable, Allowance for Credit Loss [Line Items] |  |  |
Allowance for Loan Losses, Collectively evaluated for impairment | 48 |  | 31
Loans, Collectively evaluated for impairment | 11,188 | 8,843 |
Loans, Ending balance | 11,188 | $ 8,843 |
Unallocated [Member] |  |  |
Financing Receivable, Allowance for Credit Loss [Line Items] |  |  |
Allowance for Loan Losses, Collectively evaluated for impairment | $ 583 |  | $ 487

X
- Definition The valuation allowance for financing receivables that are expected to be uncollectible that were collectively evaluated for impairment. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 11B -Subparagraph (g) -URI http://asc.fasb.org/extlink&oid=118936363&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://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 11B -Subparagraph (g) -URI http://asc.fasb.org/extlink&oid=118936363&loc=SL6953423-111524 + Details
Name: | us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | credit
Period Type: | instant

X
- Definition Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table. + References No definition available. + Details
Name: | us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems
Namespace Prefix: | us-gaap_
Data Type: | xbrli:stringItemType
Balance Type: | na
Period Type: | duration

X
- Definition The balance of financing receivables that were collectively evaluated for impairment. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 11B -Subparagraph (h) -URI http://asc.fasb.org/extlink&oid=118936363&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://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 11B -Subparagraph (h) -URI http://asc.fasb.org/extlink&oid=118936363&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 before allowance and after 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. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 45 -Paragraph 2 -URI http://asc.fasb.org/extlink&oid=118952595&loc=d3e4428-111522 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 4 -URI http://asc.fasb.org/extlink&oid=118936363&loc=d3e5074-111524 + Details
Name: | us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
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: |

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