XML 79 R68.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: |