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

COFS · Jun 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

Filing0000950170-23-042375Bank
Sequential deposit growth10thOwn-history percentile · N=20
Evidence method

Sequential · gp.financial.deposits

-0.93% · CORE · VALID

Net-income growth15thOwn-history percentile · N=20
Evidence method

Yoy · gp.fundamentals.net_income

-7.16% · CORE · VALID

Interest-expense growth100thOwn-history percentile · N=20
Evidence method

Yoy · gp.financial.interest_expense

424.69% · CORE · VALID

Interest-income growth75thOwn-history percentile · N=20
Evidence method

Yoy · gp.financial.interest_income

31.98% · CORE · VALID

Cash and equivalents75thOwn-history percentile · N=20
Evidence method

Level · gp.fundamentals.cash

$76.8M · CORE · VALID

Sequential loan growth70thOwn-history percentile · N=20
Evidence method

Sequential · gp.financial.loans

4.53% · 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
-0.57%
Current
-0.93%
Delta
-0.36%
Earnings Growth Decreased
Previous
1.90%
Current
-7.16%
Delta
-9.06%
Funding Cost Growth Increased
Previous
280.40%
Current
424.69%
Delta
144.29%
Interest Income Growth Increased
Previous
22.46%
Current
31.98%
Delta
9.53%
Liquidity Increased
Previous
$55.2M
Current
$76.8M
Delta
$21.6M
Loan Growth Increased
Previous
1.13%
Current
4.53%
Delta
3.40%
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.