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

COFS · Sep 30, 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

Filing0000950170-23-062899Bank
Sequential deposit growth55thOwn-history percentile · N=20
Evidence method

Sequential · gp.financial.deposits

2.24% · CORE · VALID

Net-income growth10thOwn-history percentile · N=20
Evidence method

Yoy · gp.fundamentals.net_income

-11.89% · CORE · VALID

Interest-expense growth95thOwn-history percentile · N=20
Evidence method

Yoy · gp.financial.interest_expense

417.62% · CORE · VALID

Interest-income growth80thOwn-history percentile · N=20
Evidence method

Yoy · gp.financial.interest_income

36.40% · CORE · VALID

Cash and equivalents100thOwn-history percentile · N=20
Evidence method

Level · gp.fundamentals.cash

$144.7M · CORE · VALID

Sequential loan growth65thOwn-history percentile · N=20
Evidence method

Sequential · gp.financial.loans

3.62% · 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 Increased
Previous
-0.93%
Current
2.24%
Delta
3.17%
Earnings Growth Decreased
Previous
-7.16%
Current
-11.89%
Delta
-4.73%
Funding Cost Growth Decreased
Previous
424.69%
Current
417.62%
Delta
-7.07%
Interest Income Growth Increased
Previous
31.98%
Current
36.40%
Delta
4.41%
Liquidity Increased
Previous
$76.8M
Current
$144.7M
Delta
$67.9M
Loan Growth Decreased
Previous
4.53%
Current
3.62%
Delta
-0.90%
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.