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

COFS · Mar 31, 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

Filing0001437749-21-012056Bank
Sequential deposit growth85thOwn-history percentile · N=20
Evidence method

Sequential · gp.financial.deposits

9.88% · CORE · VALID

Net-income growth76thOwn-history percentile · N=17
Evidence method

Yoy · gp.fundamentals.net_income

91.70% · CORE · VALID

Interest-expense growth0thOwn-history percentile · N=17
Evidence method

Yoy · gp.financial.interest_expense

-36.51% · CORE · VALID

Interest-income growth71thOwn-history percentile · N=17
Evidence method

Yoy · gp.financial.interest_income

25.30% · CORE · VALID

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

Level · gp.fundamentals.cash

$135.3M · CORE · VALID

Sequential loan growth0thOwn-history percentile · N=20
Evidence method

Sequential · gp.financial.loans

-3.27% · 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
5.56%
Current
9.88%
Delta
4.32%
Earnings Growth Decreased
Previous
117.72%
Current
91.70%
Delta
-26.02%
Funding Cost Growth Decreased
Previous
-1.19%
Current
-36.51%
Delta
-35.32%
Interest Income Growth Decreased
Previous
71.57%
Current
25.30%
Delta
-46.27%
Liquidity Increased
Previous
$79.5M
Current
$135.3M
Delta
$55.8M
Loan Growth Decreased
Previous
-0.94%
Current
-3.27%
Delta
-2.33%
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.