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Choiceone Financial Services Inc (COFS) Annual Income Statement

Annual · GAAP · USD millions
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Reviewing income statement figures over time helps illustrate how Choiceone Financial Services Inc generates earnings and manages operating expenses.
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Annual Report, GAAP in USD millions
ITEM 		(Dec 31 2025)
2025 		(Dec 31 2024) (Dec 31 2023) (Dec 31 2022) (Dec 31 2021)
Revenues
Interest and Fee Income, Loans and Leases172.91
Interest and Dividend Income, Securities, Operating5.62
Other Interest and Dividend Income3.52
Other Income20.91
Total Interest Income202.96
Interest Expense, Deposits53.97
Interest Expense, Federal Home Loan Bank and Federal Reserve Bank Advances, Long-term8.20
Interest Expense, Other3.72
Total Interest Expense65.89
Net Interest Income137.07
Provision for loan losses15.11
Total Net Interest Income122.26
Insurance Commissions and Fees1.91
Other Non-interest Income1.70
Gain (Loss) on Disposition of Assets and Other Investments-0.23
Loss / Gain on Investment1.98
Other Non-Interest Income19.30
Total Non-interest Income24.67
Total Revenues146.92
Costs & Expenses
Salaries & employee benefits, SGA0.98
Restructuring, Accretion & impairment charges-17.37
Depreciation & Amortization5.82
Communications, Occupancy and Information Technology-18.63
Professional Fees-3.26
Supplies and Postage Expense-1.11
Federal Deposit Insurance Corporation Premium Expense-2.01
Other Noninterest Expense-8.79
Other loss /-income-55.07
Total Operating Expenses-116.50
Total Costs & Expenses-50.61
Income & Taxes
Income /-loss before income taxes34.19
Income taxes expenses/-benefit6.01
Income after income taxes28.18
Net income/-loss of other equity0.00
Income /-loss after income taxes28.18
Net Income/-loss28.18
Income/-loss to shareholder28.18
Earnings Per Share
Basic EPS (excl. extra items)2.02
Basic Net EPS2.02
Basic shares outstanding (Mill. of Units)13.94
Diluted Net EPS2.01
Diluted average shares (Mill. of Units)13.99
Dividend per share1.13
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About Choiceone Financial Services Inc Annual Income Statement

What this statement shows

This page presents issuer-reported income statement data, detailing revenue, operating costs, expenses, and earnings as disclosed in SEC 10-K filings and standardized by CSIMarket. The income statement reflects operating performance over a reporting period rather than financial position at a single date.

Revenue and expense treatment

Revenue and expense items are aligned to support period-to-period comparability. Operating and non-operating items, interest, and income taxes are classified based on issuer disclosures and XBRL tagging.

Source & verification

  • Source: SEC 10-K filings
  • Filed with the SEC: March 13, 2026
  • Original filing: cofs-20251231.htm

Income statement figures represent operating results for each reporting period and may be revised in subsequent filings.