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

COFS · Mar 31, 2022

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

Filing0001437749-22-012236Bank
Sequential deposit growth65thOwn-history percentile · N=20
Evidence method

Sequential · gp.financial.deposits

4.55% · CORE · VALID

Net-income growth10thOwn-history percentile · N=20
Evidence method

Yoy · gp.fundamentals.net_income

-11.38% · CORE · VALID

Interest-expense growth35thOwn-history percentile · N=20
Evidence method

Yoy · gp.financial.interest_expense

19.23% · CORE · VALID

Interest-income growth50thOwn-history percentile · N=20
Evidence method

Yoy · gp.financial.interest_income

11.62% · CORE · VALID

Cash and equivalents85thOwn-history percentile · N=20
Evidence method

Level · gp.fundamentals.cash

$90.0M · CORE · VALID

Sequential loan growth35thOwn-history percentile · N=20
Evidence method

Sequential · gp.financial.loans

1.05% · 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
2.00%
Current
4.55%
Delta
2.55%
Earnings Growth Decreased
Previous
41.18%
Current
-11.38%
Delta
-52.56%
Funding Cost Growth Increased
Previous
-14.36%
Current
19.23%
Delta
33.60%
Interest Income Growth Decreased
Previous
15.98%
Current
11.62%
Delta
-4.36%
Liquidity Increased
Previous
$31.9M
Current
$90.0M
Delta
$58.1M
Loan Growth Decreased
Previous
2.91%
Current
1.05%
Delta
-1.86%
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.