XML 86 R72.htm IDEA: XBRL DOCUMENT
v3.23.1

Note 3 - Loans and Allowance for Loan Losses - Aging Analysis of Loans by Loan Category (Details) - USD ($) $ in Thousands | Dec. 31, 2022 | Dec. 31, 2021 | Dec. 31, 2020
--- | --- | --- | ---
Total Loans |  | $ 1,189,782 |  | $ 1,016,848 | $ 1,069,668
Loan 90 days and accruing |  | 0 |  | 0 |
Agricultural [Member] |  |  |  |  |
Total Loans |  | 64,159 |  | 64,819 | 53,735
Loan 90 days and accruing |  | 0 |  | 0 |
Commercial and Industrial [Member] |  |  |  |  |
Total Loans |  | 210,210 |  | 203,024 | 303,527
Loan 90 days and accruing |  | 0 |  | 0 |
Consumer Portfolio Segment [Member] |  |  |  |  |
Total Loans |  | 39,808 |  | 35,174 | 34,014
Loan 90 days and accruing |  | 0 |  | 0 |
Commercial Real Estate Portfolio Segment [Member] |  |  |  |  |
Total Loans |  | 630,953 |  | 525,884 | 469,247
Loan 90 days and accruing |  | 0 |  | 0 |
Construction Real Estate [Member] |  |  |  |  |
Total Loans |  | 14,736 |  | 19,066 | 16,639
Loan 90 days and accruing |  | 0 |  | 0 |
Residential Portfolio Segment [Member] |  |  |  |  |
Total Loans |  | 229,916 |  | 168,881 | $ 192,506
Loan 90 days and accruing |  | 0 |  | 0 |
Financial Asset, 30 to 59 Days Past Due [Member] |  |  |  |  |
Total Loans |  | 721 | [1] | 3,151 |
Financial Asset, 30 to 59 Days Past Due [Member] | Agricultural [Member] |  |  |  |  |
Total Loans | [1] | 0 |  | 0 |
Financial Asset, 30 to 59 Days Past Due [Member] | Commercial and Industrial [Member] |  |  |  |  |
Total Loans | [1] | 0 |  | 21 |
Financial Asset, 30 to 59 Days Past Due [Member] | Consumer Portfolio Segment [Member] |  |  |  |  |
Total Loans | [1] | 39 |  | 70 |
Financial Asset, 30 to 59 Days Past Due [Member] | Commercial Real Estate Portfolio Segment [Member] |  |  |  |  |
Total Loans | [1] | 0 |  | 422 |
Financial Asset, 30 to 59 Days Past Due [Member] | Construction Real Estate [Member] |  |  |  |  |
Total Loans | [1] | 0 |  | 1,149 |
Financial Asset, 30 to 59 Days Past Due [Member] | Residential Portfolio Segment [Member] |  |  |  |  |
Total Loans | [1] | 682 |  | 1,489 |
Financial Asset, 60 to 89 Days Past Due [Member] |  |  |  |  |
Total Loans |  | 178 | [1] | 1,569 |
Financial Asset, 60 to 89 Days Past Due [Member] | Agricultural [Member] |  |  |  |  |
Total Loans | [1] | 0 |  | 0 |
Financial Asset, 60 to 89 Days Past Due [Member] | Commercial and Industrial [Member] |  |  |  |  |
Total Loans | [1] | 171 |  | 0 |
Financial Asset, 60 to 89 Days Past Due [Member] | Consumer Portfolio Segment [Member] |  |  |  |  |
Total Loans | [1] | 7 |  | 15 |
Financial Asset, 60 to 89 Days Past Due [Member] | Commercial Real Estate Portfolio Segment [Member] |  |  |  |  |
Total Loans | [1] | 0 |  | 13 |
Financial Asset, 60 to 89 Days Past Due [Member] | Construction Real Estate [Member] |  |  |  |  |
Total Loans | [1] | 0 |  | 1,235 |
Financial Asset, 60 to 89 Days Past Due [Member] | Residential Portfolio Segment [Member] |  |  |  |  |
Total Loans | [1] | 0 |  | 306 |
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] |  |  |  |  |
Total Loans |  | 842 | [1] | 821 |
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Agricultural [Member] |  |  |  |  |
Total Loans | [1] | 0 |  | 0 |
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Commercial and Industrial [Member] |  |  |  |  |
Total Loans | [1] | 0 |  | 88 |
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Consumer Portfolio Segment [Member] |  |  |  |  |
Total Loans | [1] | 0 |  | 0 |
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Commercial Real Estate Portfolio Segment [Member] |  |  |  |  |
Total Loans | [1] | 0 |  | 279 |
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Construction Real Estate [Member] |  |  |  |  |
Total Loans | [1] | 0 |  | 0 |
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Residential Portfolio Segment [Member] |  |  |  |  |
Total Loans | [1] | 842 |  | 454 |
Financial Asset, Past Due [Member] |  |  |  |  |
Total Loans |  | 1,741 | [1] | 5,541 |
Financial Asset, Past Due [Member] | Agricultural [Member] |  |  |  |  |
Total Loans | [1] | 0 |  | 0 |
Financial Asset, Past Due [Member] | Commercial and Industrial [Member] |  |  |  |  |
Total Loans | [1] | 171 |  | 109 |
Financial Asset, Past Due [Member] | Consumer Portfolio Segment [Member] |  |  |  |  |
Total Loans | [1] | 46 |  | 85 |
Financial Asset, Past Due [Member] | Commercial Real Estate Portfolio Segment [Member] |  |  |  |  |
Total Loans | [1] | 0 |  | 714 |
Financial Asset, Past Due [Member] | Construction Real Estate [Member] |  |  |  |  |
Total Loans | [1] | 0 |  | 2,384 |
Financial Asset, Past Due [Member] | Residential Portfolio Segment [Member] |  |  |  |  |
Total Loans | [1] | 1,524 |  | 2,249 |
Financial Asset, Not Past Due [Member] |  |  |  |  |
Total Loans |  | 1,188,041 |  | 1,011,307 |
Financial Asset, Not Past Due [Member] | Agricultural [Member] |  |  |  |  |
Total Loans |  | 64,159 |  | 64,819 |
Financial Asset, Not Past Due [Member] | Commercial and Industrial [Member] |  |  |  |  |
Total Loans |  | 210,039 |  | 202,915 |
Financial Asset, Not Past Due [Member] | Consumer Portfolio Segment [Member] |  |  |  |  |
Total Loans |  | 39,762 |  | 35,089 |
Financial Asset, Not Past Due [Member] | Commercial Real Estate Portfolio Segment [Member] |  |  |  |  |
Total Loans |  | 630,953 |  | 525,170 |
Financial Asset, Not Past Due [Member] | Construction Real Estate [Member] |  |  |  |  |
Total Loans |  | 14,736 |  | 16,682 |
Financial Asset, Not Past Due [Member] | Residential Portfolio Segment [Member] |  |  |  |  |
Total Loans |  | $ 228,392 |  | $ 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: |