XML 123 R68.htm IDEA: XBRL DOCUMENT
v3.20.1

Loans and Allowance for Loan Losses (Details 4) - USD ($) $ in Thousands | Dec. 31, 2019 | Dec. 31, 2018 | Dec. 31, 2017
--- | --- | --- | ---
Financing Receivable, Credit Quality Indicator [Line Items] |  |  |
Loans (Note 3) | $ 802,048 | $ 409,073 | $ 398,785
Agricultural [Member] |  |  |
Financing Receivable, Credit Quality Indicator [Line Items] |  |  |
Loans (Note 3) | 57,339 | 49,109 | 48,464
Agricultural [Member] | Risk ratings 1 and 2 [Member] |  |  |
Financing Receivable, Credit Quality Indicator [Line Items] |  |  |
Loans (Note 3) | 14,173 | 15,300 |
Agricultural [Member] | Risk rating 3 [Member] |  |  |
Financing Receivable, Credit Quality Indicator [Line Items] |  |  |
Loans (Note 3) | 27,163 | 23,938 |
Agricultural [Member] | Risk rating 4 [Member] |  |  |
Financing Receivable, Credit Quality Indicator [Line Items] |  |  |
Loans (Note 3) | 14,530 | 9,082 |
Agricultural [Member] | Risk rating 5 [Member] |  |  |
Financing Receivable, Credit Quality Indicator [Line Items] |  |  |
Loans (Note 3) | 1,094 | 211 |
Agricultural [Member] | Risk rating 6 [Member] |  |  |
Financing Receivable, Credit Quality Indicator [Line Items] |  |  |
Loans (Note 3) | 379 | 578 |
Commercial and Industrial [Member] |  |  |
Financing Receivable, Credit Quality Indicator [Line Items] |  |  |
Loans (Note 3) | 148,083 | 91,406 | 104,386
Commercial and Industrial [Member] | Risk ratings 1 and 2 [Member] |  |  |
Financing Receivable, Credit Quality Indicator [Line Items] |  |  |
Loans (Note 3) | 14,920 | 11,972 |
Commercial and Industrial [Member] | Risk rating 3 [Member] |  |  |
Financing Receivable, Credit Quality Indicator [Line Items] |  |  |
Loans (Note 3) | 105,656 | 50,266 |
Commercial and Industrial [Member] | Risk rating 4 [Member] |  |  |
Financing Receivable, Credit Quality Indicator [Line Items] |  |  |
Loans (Note 3) | 26,152 | 23,961 |
Commercial and Industrial [Member] | Risk rating 5 [Member] |  |  |
Financing Receivable, Credit Quality Indicator [Line Items] |  |  |
Loans (Note 3) | 1,081 | 5,204 |
Commercial and Industrial [Member] | Risk rating 6 [Member] |  |  |
Financing Receivable, Credit Quality Indicator [Line Items] |  |  |
Loans (Note 3) | 274 | 3 |
Commercial Real Estate [Member] |  |  |
Financing Receivable, Credit Quality Indicator [Line Items] |  |  |
Loans (Note 3) | 326,379 | 139,453 | 123,487
Commercial Real Estate [Member] | Risk ratings 1 and 2 [Member] |  |  |
Financing Receivable, Credit Quality Indicator [Line Items] |  |  |
Loans (Note 3) | 11,051 | 7,962 |
Commercial Real Estate [Member] | Risk rating 3 [Member] |  |  |
Financing Receivable, Credit Quality Indicator [Line Items] |  |  |
Loans (Note 3) | 271,120 | 89,173 |
Commercial Real Estate [Member] | Risk rating 4 [Member] |  |  |
Financing Receivable, Credit Quality Indicator [Line Items] |  |  |
Loans (Note 3) | 39,934 | 36,193 |
Commercial Real Estate [Member] | Risk rating 5 [Member] |  |  |
Financing Receivable, Credit Quality Indicator [Line Items] |  |  |
Loans (Note 3) | 1,332 | 4,850 |
Commercial Real Estate [Member] | Risk rating 6 [Member] |  |  |
Financing Receivable, Credit Quality Indicator [Line Items] |  |  |
Loans (Note 3) | 2,942 | 1,275 |
Consumer [Member] |  |  |
Financing Receivable, Credit Quality Indicator [Line Items] |  |  |
Loans (Note 3) | 38,854 | 24,382 | 24,513
Consumer [Member] | Performing [Member] |  |  |
Financing Receivable, Credit Quality Indicator [Line Items] |  |  |
Loans (Note 3) | 38,838 | 24,320 |
Consumer [Member] | Nonaccrual [Member] |  |  |
Financing Receivable, Credit Quality Indicator [Line Items] |  |  |
Loans (Note 3) | 16 | 62 |
Construction Real Estate [Member] |  |  |
Financing Receivable, Credit Quality Indicator [Line Items] |  |  |
Loans (Note 3) | 13,411 | 8,843 | 6,613
Construction Real Estate [Member] | Performing [Member] |  |  |
Financing Receivable, Credit Quality Indicator [Line Items] |  |  |
Loans (Note 3) | 13,411 | 8,843 |
Residential Real Estate [Member] |  |  |
Financing Receivable, Credit Quality Indicator [Line Items] |  |  |
Loans (Note 3) | 217,982 | 95,880 | $ 91,322
Residential Real Estate [Member] | Performing [Member] |  |  |
Financing Receivable, Credit Quality Indicator [Line Items] |  |  |
Loans (Note 3) | 216,651 | 94,925 |
Residential Real Estate [Member] | Nonaccrual [Member] |  |  |
Financing Receivable, Credit Quality Indicator [Line Items] |  |  |
Loans (Note 3) | $ 1,331 | $ 955 |

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_FinancingReceivableRecordedInvestmentLineItems
Namespace Prefix: | us-gaap_
Data Type: | xbrli:stringItemType
Balance Type: | na
Period Type: | duration

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://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 + Details
Name: | us-gaap_LoansAndLeasesReceivableGrossCarryingAmount
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_InternalCreditAssessmentAxis=us-gaap_PassMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_InternalCreditAssessmentAxis=cofs_Pass1Member
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_InternalCreditAssessmentAxis=cofs_Pass2Member
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_InternalCreditAssessmentAxis=us-gaap_SpecialMentionMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_InternalCreditAssessmentAxis=us-gaap_SubstandardMember
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_CommercialRealEstatePortfolioSegmentMember
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_InternalCreditAssessmentAxis=us-gaap_PerformingFinancingReceivableMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_InternalCreditAssessmentAxis=cofs_NonAccrualMember
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: |