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

COFS · Mar 31, 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

Filing0000950170-24-054451Bank
Sequential deposit growth65thOwn-history percentile · N=20
Evidence method

Sequential · gp.financial.deposits

3.01% · CORE · VALID

Net-income growth40thOwn-history percentile · N=20
Evidence method

Yoy · gp.fundamentals.net_income

0.02% · CORE · VALID

Interest-expense growth80thOwn-history percentile · N=20
Evidence method

Yoy · gp.financial.interest_expense

172.64% · CORE · VALID

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

Yoy · gp.financial.interest_income

32.87% · CORE · VALID

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

Level · gp.fundamentals.cash

$150.1M · CORE · VALID

Sequential loan growth30thOwn-history percentile · N=20
Evidence method

Sequential · gp.financial.loans

0.54% · 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
-0.52%
Current
3.01%
Delta
3.53%
Earnings Growth Increased
Previous
-10.06%
Current
0.02%
Delta
10.08%
Funding Cost Growth Decreased
Previous
327.25%
Current
172.64%
Delta
-154.61%
Interest Income Growth Increased
Previous
31.87%
Current
32.87%
Delta
1.00%
Liquidity Increased
Previous
$55.4M
Current
$150.1M
Delta
$94.7M
Loan Growth Decreased
Previous
7.73%
Current
0.54%
Delta
-7.18%
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.