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

COFS · Jun 30, 2021

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

Filing0001437749-21-019749Bank
Sequential deposit growth45thOwn-history percentile · N=20
Evidence method

Sequential · gp.financial.deposits

2.22% · CORE · VALID

Net-income growth56thOwn-history percentile · N=18
Evidence method

Yoy · gp.fundamentals.net_income

13.84% · CORE · VALID

Interest-expense growth6thOwn-history percentile · N=18
Evidence method

Yoy · gp.financial.interest_expense

-7.42% · CORE · VALID

Interest-income growth67thOwn-history percentile · N=18
Evidence method

Yoy · gp.financial.interest_income

19.87% · CORE · VALID

Cash and equivalents90thOwn-history percentile · N=20
Evidence method

Level · gp.fundamentals.cash

$95.3M · CORE · VALID

Sequential loan growth10thOwn-history percentile · N=20
Evidence method

Sequential · gp.financial.loans

-2.99% · 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
9.88%
Current
2.22%
Delta
-7.66%
Earnings Growth Decreased
Previous
91.70%
Current
13.84%
Delta
-77.86%
Funding Cost Growth Increased
Previous
-36.51%
Current
-7.42%
Delta
29.09%
Interest Income Growth Decreased
Previous
25.30%
Current
19.87%
Delta
-5.43%
Liquidity Decreased
Previous
$135.3M
Current
$95.3M
Delta
-$40.0M
Loan Growth Increased
Previous
-3.27%
Current
-2.99%
Delta
0.28%
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.