XML 83 R70.htm IDEA: XBRL DOCUMENT v3.21.1

Note 3 - Loans and Allowance for Loan Losses - Aging Analysis of Loans by Loan Category (Details) - USD ($) $ in Thousands		Dec. 31, 2020		Dec. 31, 2019	Dec. 31, 2018
Past Due Total		$ 6,490	[1]	$ 6,358
Loans Not Past Due		1,063,178		795,690
Total Loans		1,069,668		802,048	$ 409,073
Loan 90 days and accruing		0		0
Agricultural [Member]
Past Due Total	[1]	0		68
Loans Not Past Due		53,735		57,271
Total Loans		53,735		57,339	49,109
Loan 90 days and accruing		0		0
Commercial and Industrial [Member]
Past Due Total	[1]	624		816
Loans Not Past Due		302,903		147,267
Total Loans		303,527		148,083	91,406
Loan 90 days and accruing		0		0
Consumer Portfolio Segment [Member]
Past Due Total	[1]	39		151
Loans Not Past Due		33,975		38,703
Total Loans		34,014		38,854	24,382
Loan 90 days and accruing		0		0
Commercial Real Estate Portfolio Segment [Member]
Past Due Total	[1]	2,320		1,882
Loans Not Past Due		466,927		324,497
Total Loans		469,247		326,379	139,453
Loan 90 days and accruing		0		0
Construction Real Estate [Member]
Past Due Total	[1]	1,336		0
Loans Not Past Due		15,303		13,411
Total Loans		16,639		13,411	8,843
Loan 90 days and accruing		0		0
Residential Portfolio Segment [Member]
Past Due Total	[1]	2,171		3,441
Loans Not Past Due		190,335		214,541
Total Loans		192,506		217,982	$ 95,880
Loan 90 days and accruing		0		0
Financial Asset, 30 to 59 Days Past Due [Member]
Past Due Total		3,210	[1]	3,129
Financial Asset, 30 to 59 Days Past Due [Member] | Agricultural [Member]
Past Due Total	[1]	0		0
Financial Asset, 30 to 59 Days Past Due [Member] | Commercial and Industrial [Member]
Past Due Total	[1]	0		542
Financial Asset, 30 to 59 Days Past Due [Member] | Consumer Portfolio Segment [Member]
Past Due Total	[1]	39		121
Financial Asset, 30 to 59 Days Past Due [Member] | Commercial Real Estate Portfolio Segment [Member]
Past Due Total	[1]	532		0
Financial Asset, 30 to 59 Days Past Due [Member] | Construction Real Estate [Member]
Past Due Total	[1]	1,076		0
Financial Asset, 30 to 59 Days Past Due [Member] | Residential Portfolio Segment [Member]
Past Due Total	[1]	1,563		2,466
Financial Asset, 60 to 89 Days Past Due [Member]
Past Due Total		589	[1]	684
Financial Asset, 60 to 89 Days Past Due [Member] | Agricultural [Member]
Past Due Total	[1]	0		68
Financial Asset, 60 to 89 Days Past Due [Member] | Commercial and Industrial [Member]
Past Due Total	[1]	109		15
Financial Asset, 60 to 89 Days Past Due [Member] | Consumer Portfolio Segment [Member]
Past Due Total	[1]	0		19
Financial Asset, 60 to 89 Days Past Due [Member] | Commercial Real Estate Portfolio Segment [Member]
Past Due Total	[1]	44		0
Financial Asset, 60 to 89 Days Past Due [Member] | Construction Real Estate [Member]
Past Due Total	[1]	180		0
Financial Asset, 60 to 89 Days Past Due [Member] | Residential Portfolio Segment [Member]
Past Due Total	[1]	256		582
Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Past Due Total		2,691	[1]	2,545
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Agricultural [Member]
Past Due Total	[1]	0		0
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Commercial and Industrial [Member]
Past Due Total	[1]	515		259
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Consumer Portfolio Segment [Member]
Past Due Total	[1]	0		11
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Commercial Real Estate Portfolio Segment [Member]
Past Due Total	[1]	1,744		1,882
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Construction Real Estate [Member]
Past Due Total	[1]	80		0
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Residential Portfolio Segment [Member]
Past Due Total	[1]	$ 352		$ 393
[1] Includes nonaccrual loans.

X

- Definition

Amount of financing receivable 90 days or more past due and still accruing.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 326
-SubTopic 20
-Section 50
-Paragraph 16
-Subparagraph (c)
-URI http://asc.fasb.org/extlink&oid=121599337&loc=SL82919258-210447

Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 7
-Subparagraph (d)
-URI http://asc.fasb.org/extlink&oid=121611835&loc=d3e5111-111524

Reference 3: http://www.xbrl.org/2003/role/exampleRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 326
-SubTopic 20
-Section 55
-Paragraph 80
-URI http://asc.fasb.org/extlink&oid=121647567&loc=SL82922355-210448

+ Details

Name:	us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing
Namespace Prefix:	us-gaap_
Data Type:	xbrli:monetaryItemType
Balance Type:	debit
Period Type:	instant

X

- Definition

Amount of financing receivable not past due.

+ References

Reference 1: http://fasb.org/us-gaap/role/ref/otherTransitionRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 7A
-URI http://asc.fasb.org/extlink&oid=121611835&loc=SL6953401-111524

Reference 2: http://www.xbrl.org/2003/role/exampleRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 326
-SubTopic 20
-Section 55
-Paragraph 80
-URI http://asc.fasb.org/extlink&oid=121647567&loc=SL82922355-210448

Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 326
-SubTopic 20
-Section 50
-Paragraph 14
-URI http://asc.fasb.org/extlink&oid=121599337&loc=SL82919253-210447

+ Details

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

X

- Definition

Amount of financing receivable past due.

+ References

Reference 1: http://www.xbrl.org/2003/role/exampleRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 326
-SubTopic 20
-Section 55
-Paragraph 80
-URI http://asc.fasb.org/extlink&oid=121647567&loc=SL82922355-210448

Reference 2: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 326
-SubTopic 20
-Section 50
-Paragraph 14
-URI http://asc.fasb.org/extlink&oid=121599337&loc=SL82919253-210447

Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 7A
-URI http://asc.fasb.org/extlink&oid=121611835&loc=SL6953401-111524

+ Details

Name:	us-gaap_FinancingReceivableRecordedInvestmentPastDue
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=121593590&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=121611835&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_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=us-gaap_CommercialRealEstatePortfolioSegmentMember
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_ResidentialPortfolioSegmentMember
Namespace Prefix:
Data Type:	na
Balance Type:
Period Type:

X

- Details

Name:	us-gaap_FinancingReceivablesPeriodPastDueAxis=us-gaap_FinancingReceivables30To59DaysPastDueMember
Namespace Prefix:
Data Type:	na
Balance Type:
Period Type:

X

- Details

Name:	us-gaap_FinancingReceivablesPeriodPastDueAxis=us-gaap_FinancingReceivables60To89DaysPastDueMember
Namespace Prefix:
Data Type:	na
Balance Type:
Period Type:

X

- Details

Name:	us-gaap_FinancingReceivablesPeriodPastDueAxis=us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember
Namespace Prefix:
Data Type:	na
Balance Type:
Period Type: