XML 82 R69.htm IDEA: XBRL DOCUMENT v3.21.1

Note 3 - Loans and Allowance for Loan Losses - Impaired Loans by Loan Category (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Recorded Investment with no related allowance recorded	$ 3,958	$ 2,728	$ 510
Unpaid Principal Balance with no related allowance recorded	4,969	3,398	556
Average Recorded Investment with no related allowance recorded	2,404	1,165	631
Interest Income Recognized with no related allowance recorded	19	53	154
Recorded Investment with an allowance recorded	3,893	3,194	3,514
Unpaid Principal Balance with an allowance recorded	3,986	3,323	3,652
Related Allowance	431	355	297
Average Recorded Investment with an allowance recorded	3,506	3,983	3,731
Interest Income Recognized with an allowance recorded	134	116	19
Recorded Investment	7,851	5,922	4,024
Unpaid Principal Balance	8,955	6,721	4,209
Average Recorded Investment	5,910	5,148	4,362
Interest Income Recognized with an allowance recorded	153	169	173
Agricultural [Member]
Recorded Investment with no related allowance recorded	348	545	185
Unpaid Principal Balance with no related allowance recorded	434	545	185
Average Recorded Investment with no related allowance recorded	329	146	291
Interest Income Recognized with no related allowance recorded	0	10	0
Recorded Investment with an allowance recorded	0	379	393
Unpaid Principal Balance with an allowance recorded	0	439	440
Related Allowance	0	103	94
Average Recorded Investment with an allowance recorded	152	388	161
Interest Income Recognized with an allowance recorded	0	0	13
Recorded Investment	348	924	578
Unpaid Principal Balance	434	984	625
Average Recorded Investment	481	534	452
Interest Income Recognized with an allowance recorded	0	10	13
Commercial and Industrial [Member]
Recorded Investment with no related allowance recorded	1,516	259	0
Unpaid Principal Balance with no related allowance recorded	1,629	340	0
Average Recorded Investment with no related allowance recorded	464	104	29
Interest Income Recognized with no related allowance recorded	2	9	2
Recorded Investment with an allowance recorded	147	0	21
Unpaid Principal Balance with an allowance recorded	147	0	21
Related Allowance	19	0	3
Average Recorded Investment with an allowance recorded	111	86	296
Interest Income Recognized with an allowance recorded	12	1	0
Recorded Investment	1,663	259	21
Unpaid Principal Balance	1,776	340	21
Average Recorded Investment	575	190	325
Interest Income Recognized with an allowance recorded	14	10	2
Consumer Portfolio Segment [Member]
Recorded Investment with no related allowance recorded	0	0	1
Unpaid Principal Balance with no related allowance recorded	0	0	1
Average Recorded Investment with no related allowance recorded	1	0	2
Interest Income Recognized with no related allowance recorded	0	0	8
Recorded Investment with an allowance recorded	8	17	88
Unpaid Principal Balance with an allowance recorded	8	18	88
Related Allowance	1	4	13
Average Recorded Investment with an allowance recorded	16	48	59
Interest Income Recognized with an allowance recorded	0	0	0
Recorded Investment	8	17	90
Unpaid Principal Balance	8	18	90
Average Recorded Investment	17	48	61
Interest Income Recognized with an allowance recorded	0	0	8
Construction Real Estate [Member]
Recorded Investment with no related allowance recorded	80	0	0
Unpaid Principal Balance with no related allowance recorded	80	0	0
Average Recorded Investment with no related allowance recorded	16	0	54
Interest Income Recognized with no related allowance recorded	0	0	0
Recorded Investment with an allowance recorded	0	0	0
Unpaid Principal Balance with an allowance recorded	0	0	0
Related Allowance	0	0	0
Average Recorded Investment with an allowance recorded	0	0	0
Interest Income Recognized with an allowance recorded	0	0	0
Recorded Investment	80	0	0
Unpaid Principal Balance	80	0	0
Average Recorded Investment	16	0	54
Interest Income Recognized with an allowance recorded	0	0	0
Commercial Real Estate Portfolio Segment [Member]
Recorded Investment with no related allowance recorded	1,852	1,882	74
Unpaid Principal Balance with no related allowance recorded	2,664	2,471	109
Average Recorded Investment with no related allowance recorded	1,495	782	78
Interest Income Recognized with no related allowance recorded	14	30	30
Recorded Investment with an allowance recorded	1,180	406	550
Unpaid Principal Balance with an allowance recorded	1,180	406	609
Related Allowance	157	13	20
Average Recorded Investment with an allowance recorded	897	975	692
Interest Income Recognized with an allowance recorded	35	32	0
Recorded Investment	3,032	2,288	623
Unpaid Principal Balance	3,844	2,877	718
Average Recorded Investment	2,392	1,757	770
Interest Income Recognized with an allowance recorded	49	62	30
Residential Portfolio Segment [Member]
Recorded Investment with no related allowance recorded	162	42	250
Unpaid Principal Balance with no related allowance recorded	162	42	261
Average Recorded Investment with no related allowance recorded	99	133	177
Interest Income Recognized with no related allowance recorded	3	4	114
Recorded Investment with an allowance recorded	2,558	2,392	2,462
Unpaid Principal Balance with an allowance recorded	2,651	2,460	2,494
Related Allowance	254	235	167
Average Recorded Investment with an allowance recorded	2,330	2,486	2,523
Interest Income Recognized with an allowance recorded	87	83	6
Recorded Investment	2,720	2,434	2,712
Unpaid Principal Balance	2,813	2,502	2,755
Average Recorded Investment	2,429	2,619	2,700
Interest Income Recognized with an allowance recorded	$ 90	$ 87	$ 120

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://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 15
-Subparagraph (c)(1)
-URI http://asc.fasb.org/extlink&oid=121611835&loc=d3e5212-111524

Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 17
-URI http://asc.fasb.org/extlink&oid=121611835&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://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 15
-Subparagraph (c)(2)
-URI http://asc.fasb.org/extlink&oid=121611835&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://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 14A
-Subparagraph (b)
-URI http://asc.fasb.org/extlink&oid=121611835&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://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 15
-Subparagraph (a)(3)
-URI http://asc.fasb.org/extlink&oid=121611835&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://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 15
-Subparagraph (a)(4)
-URI http://asc.fasb.org/extlink&oid=121611835&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://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 17
-URI http://asc.fasb.org/extlink&oid=121611835&loc=d3e5258-111524

Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 15
-Subparagraph (c)(1)
-URI http://asc.fasb.org/extlink&oid=121611835&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://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 15
-Subparagraph (c)(2)
-URI http://asc.fasb.org/extlink&oid=121611835&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://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 14A
-Subparagraph (b)
-URI http://asc.fasb.org/extlink&oid=121611835&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://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 15
-Subparagraph (a)(4)
-URI http://asc.fasb.org/extlink&oid=121611835&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://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 15
-Subparagraph (c)(1)
-URI http://asc.fasb.org/extlink&oid=121611835&loc=d3e5212-111524

Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 17
-URI http://asc.fasb.org/extlink&oid=121611835&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://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 15
-Subparagraph (c)(2)
-URI http://asc.fasb.org/extlink&oid=121611835&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://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 14A
-Subparagraph (b)
-URI http://asc.fasb.org/extlink&oid=121611835&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://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 15
-Subparagraph (a)(4)
-URI http://asc.fasb.org/extlink&oid=121611835&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_FinancingReceivablePortfolioSegmentAxis=cofs_AgriculturalMember
Namespace Prefix:
Data Type:	na
Balance Type:
Period Type:

X

- Details

Name:	us-gaap_FinancingReceivablePortfolioSegmentAxis=cofs_CommercialAndIndustrialMember
Namespace Prefix:
Data Type:	na
Balance Type:
Period Type:

X

- Details

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

X

- Details

Name:	us-gaap_FinancingReceivablePortfolioSegmentAxis=cofs_ConstructionRealEstateMember
Namespace Prefix:
Data Type:	na
Balance Type:
Period Type:

X

- Details

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

X

- Details

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