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

COFS · Sep 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

Filing0001437749-21-025702Bank
Sequential deposit growth75thOwn-history percentile · N=20
Evidence method

Sequential · gp.financial.deposits

6.99% · CORE · VALID

Net-income growth74thOwn-history percentile · N=19
Evidence method

Yoy · gp.fundamentals.net_income

50.14% · CORE · VALID

Interest-expense growth16thOwn-history percentile · N=19
Evidence method

Yoy · gp.financial.interest_expense

-5.79% · CORE · VALID

Interest-income growth37thOwn-history percentile · N=19
Evidence method

Yoy · gp.financial.interest_income

10.40% · CORE · VALID

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

Level · gp.fundamentals.cash

$59.8M · CORE · VALID

Sequential loan growth20thOwn-history percentile · N=20
Evidence method

Sequential · gp.financial.loans

-1.61% · 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
2.22%
Current
6.99%
Delta
4.77%
Earnings Growth Increased
Previous
13.84%
Current
50.14%
Delta
36.31%
Funding Cost Growth Increased
Previous
-7.42%
Current
-5.79%
Delta
1.63%
Interest Income Growth Decreased
Previous
19.87%
Current
10.40%
Delta
-9.48%
Liquidity Decreased
Previous
$95.3M
Current
$59.8M
Delta
-$35.5M
Loan Growth Increased
Previous
-2.99%
Current
-1.61%
Delta
1.38%
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.