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

COFS · Jun 30, 2024

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

Filing0001140361-24-037183Bank
Sequential deposit growth0thOwn-history percentile · N=20
Evidence method

Sequential · gp.financial.deposits

-2.71% · CORE · VALID

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

Yoy · gp.fundamentals.net_income

26.34% · CORE · VALID

Interest-expense growth55thOwn-history percentile · N=20
Evidence method

Yoy · gp.financial.interest_expense

60.18% · CORE · VALID

Interest-income growth55thOwn-history percentile · N=20
Evidence method

Yoy · gp.financial.interest_income

28.43% · CORE · VALID

Cash and equivalents80thOwn-history percentile · N=20
Evidence method

Level · gp.fundamentals.cash

$101.0M · CORE · VALID

Sequential loan growth45thOwn-history percentile · N=20
Evidence method

Sequential · gp.financial.loans

1.34% · 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
3.01%
Current
-2.71%
Delta
-5.71%
Earnings Growth Increased
Previous
0.02%
Current
26.34%
Delta
26.32%
Funding Cost Growth Decreased
Previous
172.64%
Current
60.18%
Delta
-112.46%
Interest Income Growth Decreased
Previous
32.87%
Current
28.43%
Delta
-4.45%
Liquidity Decreased
Previous
$150.1M
Current
$101.0M
Delta
-$49.1M
Loan Growth Increased
Previous
0.54%
Current
1.34%
Delta
0.80%
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.