XML 47 R38.htm IDEA: XBRL DOCUMENT
v3.22.2.2

Note 3 - Loans and Allowance for Loan Losses - Aging Analysis of Loans by Loan Category (Details) - USD ($) $ in Thousands | Sep. 30, 2022 | Dec. 31, 2021 | Sep. 30, 2021
--- | --- | --- | ---
Loans |  | $ 1,132,401 |  | $ 1,016,848 | $ 988,357
Loan 90 days and accruing |  | 0 |  | 0 |
Agricultural [Member] |  |  |  |  |
Loans |  | 63,347 |  | 64,819 | 63,445
Loan 90 days and accruing |  | 0 |  | 0 |
Commercial and Industrial [Member] |  |  |  |  |
Loans |  | 208,590 |  | 203,024 | 217,242
Loan 90 days and accruing |  | 0 |  | 0 |
Consumer Portfolio Segment [Member] |  |  |  |  |
Loans |  | 38,356 |  | 35,174 | 33,806
Loan 90 days and accruing |  | 0 |  | 0 |
Commercial Real Estate Portfolio Segment [Member] |  |  |  |  |
Loans |  | 593,195 |  | 525,884 | 485,332
Loan 90 days and accruing |  | 0 |  | 0 |
Construction Real Estate [Member] |  |  |  |  |
Loans |  | 14,299 |  | 19,066 | 18,238
Loan 90 days and accruing |  | 0 |  | 0 |
Residential Portfolio Segment [Member] |  |  |  |  |
Loans |  | 214,614 |  | 168,881 | $ 170,294
Loan 90 days and accruing |  |  |  | 0 |
Financial Asset, 30 to 59 Days Past Due [Member] |  |  |  |  |
Loans |  | 1,130 | [1] | 3,151 |
Financial Asset, 30 to 59 Days Past Due [Member] | Agricultural [Member] |  |  |  |  |
Loans | [1] | 0 |  | 0 |
Financial Asset, 30 to 59 Days Past Due [Member] | Commercial and Industrial [Member] |  |  |  |  |
Loans | [1] | 1,065 |  | 21 |
Financial Asset, 30 to 59 Days Past Due [Member] | Consumer Portfolio Segment [Member] |  |  |  |  |
Loans | [1] | 17 |  | 70 |
Financial Asset, 30 to 59 Days Past Due [Member] | Commercial Real Estate Portfolio Segment [Member] |  |  |  |  |
Loans | [1] | 0 |  | 422 |
Financial Asset, 30 to 59 Days Past Due [Member] | Construction Real Estate [Member] |  |  |  |  |
Loans | [1] | 0 |  | 1,149 |
Financial Asset, 30 to 59 Days Past Due [Member] | Residential Portfolio Segment [Member] |  |  |  |  |
Loans | [1] | 48 |  | 1,489 |
Financial Asset, 60 to 89 Days Past Due [Member] |  |  |  |  |
Loans |  | 615 | [1] | 1,569 |
Financial Asset, 60 to 89 Days Past Due [Member] | Agricultural [Member] |  |  |  |  |
Loans | [1] | 0 |  | 0 |
Financial Asset, 60 to 89 Days Past Due [Member] | Commercial and Industrial [Member] |  |  |  |  |
Loans | [1] | 0 |  | 0 |
Financial Asset, 60 to 89 Days Past Due [Member] | Consumer Portfolio Segment [Member] |  |  |  |  |
Loans | [1] | 0 |  | 15 |
Financial Asset, 60 to 89 Days Past Due [Member] | Commercial Real Estate Portfolio Segment [Member] |  |  |  |  |
Loans | [1] | 0 |  | 13 |
Financial Asset, 60 to 89 Days Past Due [Member] | Construction Real Estate [Member] |  |  |  |  |
Loans | [1] | 0 |  | 1,235 |
Financial Asset, 60 to 89 Days Past Due [Member] | Residential Portfolio Segment [Member] |  |  |  |  |
Loans | [1] | 615 |  | 306 |
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] |  |  |  |  |
Loans |  | 77 | [1] | 821 |
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Agricultural [Member] |  |  |  |  |
Loans | [1] | 0 |  | 0 |
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Commercial and Industrial [Member] |  |  |  |  |
Loans | [1] | 46 |  | 88 |
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Consumer Portfolio Segment [Member] |  |  |  |  |
Loans | [1] | 0 |  | 0 |
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Commercial Real Estate Portfolio Segment [Member] |  |  |  |  |
Loans | [1] | 0 |  | 279 |
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Construction Real Estate [Member] |  |  |  |  |
Loans | [1] | 0 |  | 0 |
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Residential Portfolio Segment [Member] |  |  |  |  |
Loans | [1] | 31 |  | 454 |
Financial Asset, Past Due [Member] |  |  |  |  |
Loans |  | 1,822 | [1] | 5,541 |
Financial Asset, Past Due [Member] | Agricultural [Member] |  |  |  |  |
Loans | [1] | 0 |  | 0 |
Financial Asset, Past Due [Member] | Commercial and Industrial [Member] |  |  |  |  |
Loans | [1] | 1,111 |  | 109 |
Financial Asset, Past Due [Member] | Consumer Portfolio Segment [Member] |  |  |  |  |
Loans | [1] | 17 |  | 85 |
Financial Asset, Past Due [Member] | Commercial Real Estate Portfolio Segment [Member] |  |  |  |  |
Loans | [1] | 0 |  | 714 |
Financial Asset, Past Due [Member] | Construction Real Estate [Member] |  |  |  |  |
Loans | [1] | 0 |  | 2,384 |
Financial Asset, Past Due [Member] | Residential Portfolio Segment [Member] |  |  |  |  |
Loans | [1] | 694 |  | 2,249 |
Financial Asset, Not Past Due [Member] |  |  |  |  |
Loans |  | 1,130,579 |  | 1,011,307 |
Financial Asset, Not Past Due [Member] | Agricultural [Member] |  |  |  |  |
Loans |  | 63,347 |  | 64,819 |
Financial Asset, Not Past Due [Member] | Commercial and Industrial [Member] |  |  |  |  |
Loans |  | 207,479 |  | 202,915 |
Financial Asset, Not Past Due [Member] | Consumer Portfolio Segment [Member] |  |  |  |  |
Loans |  | 38,339 |  | 35,089 |
Financial Asset, Not Past Due [Member] | Commercial Real Estate Portfolio Segment [Member] |  |  |  |  |
Loans |  | 593,195 |  | 525,170 |
Financial Asset, Not Past Due [Member] | Construction Real Estate [Member] |  |  |  |  |
Loans |  | 14,299 |  | 16,682 |
Financial Asset, Not Past Due [Member] | Residential Portfolio Segment [Member] |  |  |  |  |
Loans |  | $ 213,920 |  | $ 166,632 |
[1] | Includes nonaccrual loans.

X
- Definition Amortized cost of financing receivable 90 days or more past due and still accruing. Excludes net investment in lease. + 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 https://asc.fasb.org/extlink&oid=124255953&loc=SL82919258-210447 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 7 -Subparagraph (b) -URI https://asc.fasb.org/extlink&oid=123577603&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 https://asc.fasb.org/extlink&oid=124267575&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 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 https://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 https://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_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: |

X
- Details
Name: | us-gaap_FinancingReceivablesPeriodPastDueAxis=us-gaap_FinancialAssetPastDueMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivablesPeriodPastDueAxis=us-gaap_FinancialAssetNotPastDueMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |