GPGrossPatternRESEARCH SYSTEM
SEC CHECK OPERATIONAL
GROSSPATTERN / FUNDAMENTAL STATE / POINT IN TIME

COFS · Dec 31, 2023

CHOICEONE FINANCIAL SERVICES INC. A multidimensional configuration derived from the filing available at this observation—never a composite score or recommendation.

STATE CAPABILITYLEVEL 3[email protected]
Inspectable configuration

State dimensions

Filing0000950170-24-030747Bank
Sequential deposit growth20thOwn-history percentile · N=20
Evidence method

Sequential · gp.financial.deposits

-0.52% · CORE · VALID

Net-income growth20thOwn-history percentile · N=20
Evidence method

Yoy · gp.fundamentals.net_income

-10.06% · CORE · VALID

Interest-expense growth90thOwn-history percentile · N=20
Evidence method

Yoy · gp.financial.interest_expense

327.25% · CORE · VALID

Interest-income growth65thOwn-history percentile · N=20
Evidence method

Yoy · gp.financial.interest_income

31.87% · CORE · VALID

Cash and equivalents50thOwn-history percentile · N=20
Evidence method

Level · gp.fundamentals.cash

$55.4M · CORE · VALID

Sequential loan growth85thOwn-history percentile · N=20
Evidence method

Sequential · gp.financial.loans

7.73% · CORE · VALID

As-filed lineage

Fundamental state history

Each observation is tied to the filing and facts available at that report date. Amendments remain separate.

History43 statesSelf-history eligible
Period transition

What moved in the state?

Deposit Growth Decreased
Previous
2.24%
Current
-0.52%
Delta
-2.77%
Earnings Growth Increased
Previous
-11.89%
Current
-10.06%
Delta
1.82%
Funding Cost Growth Decreased
Previous
417.62%
Current
327.25%
Delta
-90.36%
Interest Income Growth Decreased
Previous
36.40%
Current
31.87%
Delta
-4.53%
Liquidity Decreased
Previous
$144.7M
Current
$55.4M
Delta
-$89.2M
Loan Growth Increased
Previous
3.62%
Current
7.73%
Delta
4.10%
Self-history only

Previous similar states

Similarity compares compatible valid dimensions from this issuer's own point-in-time history. No market-return claim is attached.

Not enough compatible prior states for a transparent self-history match.
Research Graph

Related governed research

Method Percentiles and historical matches use only observations available at each point in time. Missing dimensions remain missing. Public price outcomes and cross-market analogues are deliberately absent.