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Income Statement
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Balance Sheet
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Income Overview
Net Income
$12,463K
EPS
$0.83
Unit: Thousand (K) dollars
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Page 1
Quarterly
123
Page 1
Income Statement
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Loans, including fees
46,346
45,642
32,431*
47,123
Taxable
5,633
5,492
5,137*
5,249
Tax exempt
1,430
1,451
1,406*
1,418
Other
532
690
1,052*
908
Total interest income
53,941
53,275
40,024*
54,698
Deposits
14,341
13,745
10,280*
14,287
Advances from federal home loan bank
2,102
2,182
2,824*
1,926
Other
801
706
729*
888
Total interest expense
17,244
16,633
13,832*
17,101
Net interest income
36,697
36,642
26,192*
37,597
Provision for (reversal of) credit losses on loans
550
0
13,838*
200
Provision for (reversal of) credit losses on unfunded commitments
-
0
300*
0
Net provision for (reversal of) credit losses expense
-
0
13,538*
200
Net interest income after provision
36,147
36,642
12,654*
37,397
Customer service charges
1,745
1,656
1,299*
1,729
Interchange income
2,139
1,892
1,488*
2,133
Insurance and investment commissions
720
551
375*
485
Gains on sales of loans
466
408
442*
671
Net gains (losses) on sales of securities
-1,933
-203
0*
-
Net gains on sales and write downs of other assets
97
9
-172*
-39
Earnings on life insurance policies
706
584
255*
558
Trust income
671
692
530*
734
Change in market value of equity securities
59
26
-438*
458
Other
269
200
419*
415
Total noninterest income
4,939
5,815
4,196*
7,144
Salaries and benefits
14,463
14,062
10,950*
14,127
Occupancy and equipment
2,433
2,591
1,625*
2,694
Data processing
2,450
2,290
1,904*
2,499
Communications
531
555
417*
517
Professional fees
1,018
982
591*
834
Supplies and postage
294
335
249*
267
Advertising and promotional
279
264
281*
207
Intangible amortization
1,577
1,685
633*
1,728
Fdic insurance
543
570
390*
530
Merger related expenses
0
0
17,120*
0
Other
2,463
2,442
995*
2,812
Total noninterest expense
26,051
25,776
35,153*
26,215
Income (gain) before income tax expense (benefit)
15,035
16,681
-18,304*
18,326
Income tax expense (benefit)
2,572
2,977
-4,158*
3,645
Net income (gain)
12,463
13,704
-14,146
14,681
Basic EPS
0.83
0.91
-1.198
0.98
Diluted EPS
0.83
0.91
-1.191
0.97
Basic Average Shares
14,962,556
14,990,017
11,809,780
15,014,933
Diluted Average Shares
15,006,518
15,041,910
11,880,029
15,061,155
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Time Plot
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Income Statement
Loans, including fees
$46,346K
(-0.40%↓ Y/Y)
Taxable
$5,633K
(7.01%↑ Y/Y)
Tax exempt
$1,430K
(2.66%↑ Y/Y)
Other
$532K
(-27.62%↓ Y/Y)
Total interest income
$53,941K
(0.03%↑ Y/Y)
Net interest income
$36,697K
(1.03%↑ Y/Y)
Interchange income
$2,139K
Customer service charges
$1,745K
(24.55%↑ Y/Y)
Insurance and investment
commissions
$720K
(33.33%↑ Y/Y)
Earnings on life
insurance policies
$706K
(-16.35%↓ Y/Y)
Total interest
expense
$17,244K
(-2.04%↓ Y/Y)
Trust income
$671K
(12.58%↑ Y/Y)
Gains on sales of loans
$466K
(31.27%↑ Y/Y)
Other
$269K
(-39.14%↓ Y/Y)
Net gains on sales
and write downs of...
$97K
(3133.33%↑ Y/Y)
Change in market value
of equity...
$59K
(-75.31%↓ Y/Y)
Net interest income
after provision
$36,147K
(1.33%↑ Y/Y)
Total noninterest
income
$4,939K
(-24.05%↓ Y/Y)
Provision for (reversal
of) credit losses on...
$550K
(-15.38%↓ Y/Y)
Net gains (losses)
on sales of...
-$1,933K
Deposits
$14,341K
(-3.36%↓ Y/Y)
Advances from federal
home loan bank
$2,102K
(26.70%↑ Y/Y)
Other
$801K
(-27.45%↓ Y/Y)
Income (gain) before
income tax expense...
$15,035K
(-9.80%↓ Y/Y)
Total noninterest
expense
$26,051K
(2.14%↑ Y/Y)
Net income (gain)
$12,463K
(-7.91%↓ Y/Y)
Income tax expense
(benefit)
$2,572K
(-17.96%↓ Y/Y)
Salaries and benefits
$14,463K
(5.33%↑ Y/Y)
Other
$2,463K
(3.36%↑ Y/Y)
Data processing
$2,450K
(0.45%↑ Y/Y)
Occupancy and equipment
$2,433K
(0.04%↑ Y/Y)
Intangible amortization
$1,577K
(-8.95%↓ Y/Y)
Professional fees
$1,018K
(7.50%↑ Y/Y)
Fdic insurance
$543K
(-1.27%↓ Y/Y)
Communications
$531K
(-5.35%↓ Y/Y)
Supplies and postage
$294K
(-3.61%↓ Y/Y)
Advertising and promotional
$279K
(7.31%↑ Y/Y)
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CHOICEONE FINANCIAL SERVICES INC (COFS)
CHOICEONE FINANCIAL SERVICES INC (COFS)