XML 44 R34.htm IDEA: XBRL DOCUMENT v3.21.2

Note 3 - Loans and Allowance for Loan Losses - Credit Risk Profile (Details) - USD ($) $ in Thousands	Jun. 30, 2021	Dec. 31, 2020	Jun. 30, 2020
Loans	$ 1,004,587	$ 1,069,668	$ 907,993
Nonaccrual	1,923	6,707
Agricultural [Member]
Loans	46,567	53,735	50,935
Nonaccrual	348	348
Agricultural [Member] | Pass [Member]
Loans	43,040	50,185
Agricultural [Member] | Special Mention [Member]
Loans	360	3,202
Agricultural [Member] | Substandard [Member]
Loans	3,167	348
Agricultural [Member] | Doubtful [Member]
Loans	0	0
Consumer Portfolio Segment [Member]
Loans	33,370	34,014	33,769
Nonaccrual	0	8
Consumer Portfolio Segment [Member] | Performing Financial Instruments [Member]
Loans	33,370	34,006
Consumer Portfolio Segment [Member] | Nonperforming Financial Instruments [Member]
Loans	0	0
Commercial and Industrial [Member]
Loans	265,032	303,527	242,012
Nonaccrual	338	1,802
Commercial and Industrial [Member] | Pass [Member]
Loans	260,047	294,614
Commercial and Industrial [Member] | Special Mention [Member]
Loans	3,086	4,101
Commercial and Industrial [Member] | Substandard [Member]
Loans	1,702	4,812
Commercial and Industrial [Member] | Doubtful [Member]
Loans	197	0
Construction Real Estate [Member]
Loans	15,440	16,639	15,576
Nonaccrual	0	80
Construction Real Estate [Member] | Performing Financial Instruments [Member]
Loans	15,440	16,559
Construction Real Estate [Member] | Nonperforming Financial Instruments [Member]
Loans	0	0
Commercial Real Estate Portfolio Segment [Member]
Loans	473,987	469,247	363,063
Nonaccrual	184	3,088
Commercial Real Estate Portfolio Segment [Member] | Pass [Member]
Loans	464,426	453,080
Commercial Real Estate Portfolio Segment [Member] | Special Mention [Member]
Loans	2,504	6,006
Commercial Real Estate Portfolio Segment [Member] | Substandard [Member]
Loans	7,057	8,925
Commercial Real Estate Portfolio Segment [Member] | Doubtful [Member]
Loans	0	1,236
Residential Portfolio Segment [Member]
Loans	170,191	192,506	$ 202,638
Nonaccrual	1,053	1,381
Residential Portfolio Segment [Member] | Performing Financial Instruments [Member]
Loans	169,138	191,125
Residential Portfolio Segment [Member] | Nonperforming Financial Instruments [Member]
Loans	$ 0	$ 0

X

- Definition

Amount of financing receivable on nonaccrual status.

+ References

Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 7
-Subparagraph (a)
-URI http://asc.fasb.org/extlink&oid=123577603&loc=d3e5111-111524

Reference 2: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 326
-SubTopic 20
-Section 50
-Paragraph 16
-Subparagraph (a)
-URI http://asc.fasb.org/extlink&oid=124255953&loc=SL82919258-210447

Reference 3: http://www.xbrl.org/2003/role/disclosureRef
-Publisher SEC
-Name Regulation S-K (SK)
-Number 229
-Section 1405
-Paragraph (a)
-Subparagraph (3)

Reference 4: http://www.xbrl.org/2003/role/disclosureRef
-Publisher SEC
-Name Regulation S-K (SK)
-Number 229
-Section 1405
-Paragraph (a)
-Subparagraph (2)

+ Details

Name:	us-gaap_FinancingReceivableRecordedInvestmentNonaccrualStatus
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=124259787&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=123577603&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_InternalCreditAssessmentAxis=us-gaap_PassMember
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_InternalCreditAssessmentAxis=us-gaap_DoubtfulMember
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_FinancialInstrumentPerformanceStatusAxis=us-gaap_PerformingFinancingReceivableMember
Namespace Prefix:
Data Type:	na
Balance Type:
Period Type:

X

- Details

Name:	us-gaap_FinancialInstrumentPerformanceStatusAxis=us-gaap_NonperformingFinancingReceivableMember
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=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: