$COFS
CHOICEONE FINANCIAL SERVICES INC

2024 Q2 Form 10-Q Financial Statement

#000095017024054451 Filed on May 07, 2024

View on sec.gov

Income Statement

Concept 2024 Q2 2024 Q1
Revenue $3.171M $2.965M
YoY Change 13.49% 6.5%
Cost Of Revenue
YoY Change
Gross Profit
YoY Change
Gross Profit Margin
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization $3.019M $636.0K
YoY Change -2.33% 4.43%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change
Interest Expense $11.57M $11.96M
YoY Change 60.18% 172.64%
% of Operating Profit
Other Income/Expense, Net
YoY Change
Pretax Income $8.176M $6.841M
YoY Change 30.75% 2.67%
Income Tax $1.590M $1.207M
% Of Pretax Income 19.45% 17.64%
Net Earnings $6.586M $5.634M
YoY Change 26.34% 0.02%
Net Earnings / Revenue 207.69% 190.02%
Basic Earnings Per Share $0.87 $0.75
Diluted Earnings Per Share $0.87 $0.74
COMMON SHARES
Basic Shares Outstanding 7.571M 7.553M
Diluted Shares Outstanding 7.605M 7.600M

Balance Sheet

Concept 2024 Q2 2024 Q1
SHORT-TERM ASSETS
Cash & Short-Term Investments
YoY Change
Cash & Equivalents $101.0M $150.1M
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
LONG-TERM ASSETS
Property, Plant & Equipment $27.37M $28.27M
YoY Change -5.9% -1.27%
Goodwill $59.95M $59.95M
YoY Change 0.0% 0.0%
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets
YoY Change
Total Long-Term Assets
YoY Change
TOTAL ASSETS
Total Short-Term Assets
Total Long-Term Assets
Total Assets $2.623B $2.671B
YoY Change 5.61% 10.82%
SHORT-TERM LIABILITIES
YoY Change
Accounts Payable
YoY Change
Accrued Expenses
YoY Change
Deferred Revenue
YoY Change
Short-Term Debt
YoY Change
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities
YoY Change
LONG-TERM LIABILITIES
Long-Term Debt $35.63M $35.57M
YoY Change 0.69% 0.69%
Other Long-Term Liabilities $36.24M $32.53M
YoY Change 59.55% 117.57%
Total Long-Term Liabilities $71.87M $68.10M
YoY Change 23.7% 35.45%
TOTAL LIABILITIES
Total Short-Term Liabilities
Total Long-Term Liabilities $71.87M $68.10M
Total Liabilities $2.409B $2.464B
YoY Change 4.52% 9.94%
SHAREHOLDERS EQUITY
Retained Earnings $81.84M $77.29M
YoY Change 21.63% 20.72%
Common Stock
YoY Change
Preferred Stock
YoY Change
Treasury Stock (at cost)
YoY Change
Treasury Stock Shares
Shareholders Equity $214.5M $206.8M
YoY Change
Total Liabilities & Shareholders Equity $2.623B $2.671B
YoY Change 5.61% 10.82%

Cashflow Statement

Concept 2024 Q2 2024 Q1
OPERATING ACTIVITIES
Net Income $6.586M $5.634M
YoY Change 26.34% 0.02%
Depreciation, Depletion And Amortization $3.019M $636.0K
YoY Change -2.33% 4.43%
Cash From Operating Activities $15.74M $15.31M
YoY Change -1.91% 67.02%
INVESTING ACTIVITIES
Capital Expenditures $483.0K $311.0K
YoY Change -59.31% -69.66%
Acquisitions
YoY Change
Other Investing Activities -$3.121M $7.925M
YoY Change -93.34% -144.29%
Cash From Investing Activities -$3.604M $7.614M
YoY Change -92.49% -140.25%
FINANCING ACTIVITIES
Cash Dividend Paid $2.039M
YoY Change 4.3%
Common Stock Issuance & Retirement, Net
YoY Change
Debt Paid & Issued, Net
YoY Change
Cash From Financing Activities -61.26M 71.77M
YoY Change -214.3% 241.83%
NET CHANGE
Cash From Operating Activities 15.74M 15.31M
Cash From Investing Activities -3.604M 7.614M
Cash From Financing Activities -61.26M 71.77M
Net Change In Cash -49.13M 94.70M
YoY Change -327.22% 742.04%
FREE CASH FLOW
Cash From Operating Activities $15.74M $15.31M
Capital Expenditures $483.0K $311.0K
Free Cash Flow $15.25M $15.00M
YoY Change 2.68% 84.22%

Facts In Submission

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CY2023Q1 cofs Oci Debt Securities Transfer To Heldtomaturity From Availableforsale Adjustment From Aoci For Amortization Of Net Unrealized Gain Loss Before Tax
OciDebtSecuritiesTransferToHeldtomaturityFromAvailableforsaleAdjustmentFromAociForAmortizationOfNetUnrealizedGainLossBeforeTax
-29000
CY2024Q1 cofs Oci Debt Securities Transfer To Heldtomaturity From Availableforsale Adjustment From Aoci For Amortization Of Net Unrealized Gain Loss Tax
OCIDebtSecuritiesTransferToHeldtomaturityFromAvailableforsaleAdjustmentFromAOCIForAmortizationOfNetUnrealizedGainLossTax
-12000
CY2023Q1 cofs Oci Debt Securities Transfer To Heldtomaturity From Availableforsale Adjustment From Aoci For Amortization Of Net Unrealized Gain Loss Tax
OCIDebtSecuritiesTransferToHeldtomaturityFromAvailableforsaleAdjustmentFromAOCIForAmortizationOfNetUnrealizedGainLossTax
-6000
CY2024Q1 cofs Oci Debt Securities Heldtomaturity Unrealized Gain Loss After Adjustment And Tax Total
OciDebtSecuritiesHeldtomaturityUnrealizedGainLossAfterAdjustmentAndTaxTotal
44000
CY2023Q1 cofs Oci Debt Securities Heldtomaturity Unrealized Gain Loss After Adjustment And Tax Total
OciDebtSecuritiesHeldtomaturityUnrealizedGainLossAfterAdjustmentAndTaxTotal
23000
CY2024Q1 us-gaap Other Comprehensive Income Loss Cash Flow Hedge Gain Loss Before Reclassification And Tax
OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAndTax
6086000
CY2023Q1 us-gaap Other Comprehensive Income Loss Cash Flow Hedge Gain Loss Before Reclassification And Tax
OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAndTax
-2896000
CY2024Q1 us-gaap Other Comprehensive Income Loss Cash Flow Hedge Gain Loss Before Reclassification Tax
OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationTax
1278000
CY2023Q1 us-gaap Other Comprehensive Income Loss Cash Flow Hedge Gain Loss Before Reclassification Tax
OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationTax
-608000
CY2024Q1 cofs Other Comprehensive Income Loss Cash Flow Hedge Amortization Of Net Unrealized Gain Loss Reclassification Before Tax
OtherComprehensiveIncomeLossCashFlowHedgeAmortizationOfNetUnrealizedGainLossReclassificationBeforeTax
-887000
CY2023Q1 cofs Other Comprehensive Income Loss Cash Flow Hedge Amortization Of Net Unrealized Gain Loss Reclassification Before Tax
OtherComprehensiveIncomeLossCashFlowHedgeAmortizationOfNetUnrealizedGainLossReclassificationBeforeTax
-156000
CY2024Q1 cofs Other Comprehensive Income Loss Cash Flow Hedge Amortization Of Net Unrealized Gain Loss Reclassification Tax
OtherComprehensiveIncomeLossCashFlowHedgeAmortizationOfNetUnrealizedGainLossReclassificationTax
-186000
CY2023Q1 cofs Other Comprehensive Income Loss Cash Flow Hedge Amortization Of Net Unrealized Gain Loss Reclassification Tax
OtherComprehensiveIncomeLossCashFlowHedgeAmortizationOfNetUnrealizedGainLossReclassificationTax
-33000
CY2024Q1 us-gaap Other Comprehensive Income Loss Cash Flow Hedge Gain Loss After Reclassification And Tax
OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationAndTax
5509000
CY2023Q1 us-gaap Other Comprehensive Income Loss Cash Flow Hedge Gain Loss After Reclassification And Tax
OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationAndTax
-2165000
CY2024Q1 us-gaap Other Comprehensive Income Loss Net Of Tax
OtherComprehensiveIncomeLossNetOfTax
7254000
CY2023Q1 us-gaap Other Comprehensive Income Loss Net Of Tax
OtherComprehensiveIncomeLossNetOfTax
3919000
CY2024Q1 us-gaap Comprehensive Income Net Of Tax
ComprehensiveIncomeNetOfTax
12888000
CY2023Q1 us-gaap Comprehensive Income Net Of Tax
ComprehensiveIncomeNetOfTax
9552000
CY2022Q4 us-gaap Stockholders Equity
StockholdersEquity
160828000
CY2023Q1 us-gaap Net Income Loss
NetIncomeLoss
5633000
CY2023Q1 us-gaap Other Comprehensive Income Loss Net Of Tax
OtherComprehensiveIncomeLossNetOfTax
3919000
CY2023Q1 us-gaap Stock Issued During Period Value New Issues
StockIssuedDuringPeriodValueNewIssues
147000
CY2023Q1 us-gaap Adjustments To Additional Paid In Capital Share Based Compensation Employee Stock Purchase Program Requisite Service Period Recognition
AdjustmentsToAdditionalPaidInCapitalShareBasedCompensationEmployeeStockPurchaseProgramRequisiteServicePeriodRecognition
7000
CY2023Q1 us-gaap Adjustments To Additional Paid In Capital Sharebased Compensation Requisite Service Period Recognition Value
AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue
133000
CY2023Q1 us-gaap Common Stock Dividends Per Share Declared
CommonStockDividendsPerShareDeclared
0.26
CY2023Q1 us-gaap Dividends Common Stock Cash
DividendsCommonStockCash
1955000
CY2023Q1 us-gaap Stockholders Equity
StockholdersEquity
168712000
CY2023Q4 us-gaap Stockholders Equity
StockholdersEquity
195634000
CY2024Q1 us-gaap Net Income Loss
NetIncomeLoss
5634000
CY2024Q1 us-gaap Other Comprehensive Income Loss Net Of Tax
OtherComprehensiveIncomeLossNetOfTax
7254000
CY2024Q1 us-gaap Stock Issued During Period Value New Issues
StockIssuedDuringPeriodValueNewIssues
90000
CY2024Q1 us-gaap Adjustments To Additional Paid In Capital Share Based Compensation Employee Stock Purchase Program Requisite Service Period Recognition
AdjustmentsToAdditionalPaidInCapitalShareBasedCompensationEmployeeStockPurchaseProgramRequisiteServicePeriodRecognition
11000
CY2024Q1 us-gaap Adjustments To Additional Paid In Capital Sharebased Compensation Requisite Service Period Recognition Value
AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue
172000
CY2024Q1 us-gaap Common Stock Dividends Per Share Declared
CommonStockDividendsPerShareDeclared
0.27
CY2024Q1 us-gaap Dividends Common Stock Cash
DividendsCommonStockCash
2039000
CY2024Q1 us-gaap Stockholders Equity
StockholdersEquity
206756000
CY2024Q1 us-gaap Net Income Loss
NetIncomeLoss
5634000
CY2023Q1 us-gaap Net Income Loss
NetIncomeLoss
5633000
CY2024Q1 us-gaap Provision For Loan Lease And Other Losses
ProvisionForLoanLeaseAndOtherLosses
0
CY2023Q1 us-gaap Provision For Loan Lease And Other Losses
ProvisionForLoanLeaseAndOtherLosses
25000
CY2024Q1 us-gaap Depreciation
Depreciation
636000
CY2023Q1 us-gaap Depreciation
Depreciation
609000
CY2024Q1 us-gaap Adjustment For Amortization
AdjustmentForAmortization
2427000
CY2023Q1 us-gaap Adjustment For Amortization
AdjustmentForAmortization
2500000
CY2024Q1 us-gaap Share Based Compensation
ShareBasedCompensation
295000
CY2023Q1 us-gaap Share Based Compensation
ShareBasedCompensation
235000
CY2024Q1 us-gaap Equity Securities Fv Ni Unrealized Gain Loss
EquitySecuritiesFvNiUnrealizedGainLoss
35000
CY2023Q1 us-gaap Equity Securities Fv Ni Unrealized Gain Loss
EquitySecuritiesFvNiUnrealizedGainLoss
63000
CY2024Q1 us-gaap Gain Loss On Sale Of Loans And Leases
GainLossOnSaleOfLoansAndLeases
454000
CY2023Q1 us-gaap Gain Loss On Sale Of Loans And Leases
GainLossOnSaleOfLoansAndLeases
403000
CY2024Q1 us-gaap Payments For Origination Of Mortgage Loans Held For Sale
PaymentsForOriginationOfMortgageLoansHeldForSale
18507000
CY2023Q1 us-gaap Payments For Origination Of Mortgage Loans Held For Sale
PaymentsForOriginationOfMortgageLoansHeldForSale
10283000
CY2024Q1 us-gaap Proceeds From Sale Of Loans Held For Sale
ProceedsFromSaleOfLoansHeldForSale
17427000
CY2023Q1 us-gaap Proceeds From Sale Of Loans Held For Sale
ProceedsFromSaleOfLoansHeldForSale
11753000
CY2024Q1 cofs Bank Owned Life Insurance Income Operating Activities
BankOwnedLifeInsuranceIncomeOperatingActivities
299000
CY2023Q1 cofs Bank Owned Life Insurance Income Operating Activities
BankOwnedLifeInsuranceIncomeOperatingActivities
263000
CY2024Q1 cofs Earning On Death Benefit From Bank Owned Life Insurance
EarningOnDeathBenefitFromBankOwnedLifeInsurance
196000
CY2023Q1 cofs Earning On Death Benefit From Bank Owned Life Insurance
EarningOnDeathBenefitFromBankOwnedLifeInsurance
0
CY2024Q1 us-gaap Deferred Federal Income Tax Expense Benefit
DeferredFederalIncomeTaxExpenseBenefit
301000
CY2023Q1 us-gaap Deferred Federal Income Tax Expense Benefit
DeferredFederalIncomeTaxExpenseBenefit
252000
CY2024Q1 us-gaap Increase Decrease In Other Operating Assets
IncreaseDecreaseInOtherOperatingAssets
1410000
CY2023Q1 us-gaap Increase Decrease In Other Operating Assets
IncreaseDecreaseInOtherOperatingAssets
-995000
CY2024Q1 us-gaap Increase Decrease In Other Operating Liabilities
IncreaseDecreaseInOtherOperatingLiabilities
9495000
CY2023Q1 us-gaap Increase Decrease In Other Operating Liabilities
IncreaseDecreaseInOtherOperatingLiabilities
-1821000
CY2024Q1 us-gaap Net Cash Provided By Used In Operating Activities
NetCashProvidedByUsedInOperatingActivities
15314000
CY2023Q1 us-gaap Net Cash Provided By Used In Operating Activities
NetCashProvidedByUsedInOperatingActivities
9169000
CY2024Q1 us-gaap Proceeds From Maturities Prepayments And Calls Of Available For Sale Securities
ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities
5879000
CY2023Q1 us-gaap Proceeds From Maturities Prepayments And Calls Of Available For Sale Securities
ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities
7052000
CY2024Q1 us-gaap Proceeds From Maturities Prepayments And Calls Of Held To Maturity Securities
ProceedsFromMaturitiesPrepaymentsAndCallsOfHeldToMaturitySecurities
9531000
CY2023Q1 us-gaap Proceeds From Maturities Prepayments And Calls Of Held To Maturity Securities
ProceedsFromMaturitiesPrepaymentsAndCallsOfHeldToMaturitySecurities
2990000
CY2024Q1 us-gaap Payments To Acquire Available For Sale Securities Debt
PaymentsToAcquireAvailableForSaleSecuritiesDebt
466000
CY2023Q1 us-gaap Payments To Acquire Available For Sale Securities Debt
PaymentsToAcquireAvailableForSaleSecuritiesDebt
323000
CY2024Q1 us-gaap Payments To Acquire Equity Securities Fv Ni
PaymentsToAcquireEquitySecuritiesFvNi
20000
CY2023Q1 us-gaap Payments To Acquire Equity Securities Fv Ni
PaymentsToAcquireEquitySecuritiesFvNi
70000
CY2024Q1 us-gaap Payments To Acquire Held To Maturity Securities
PaymentsToAcquireHeldToMaturitySecurities
0
CY2023Q1 us-gaap Payments To Acquire Held To Maturity Securities
PaymentsToAcquireHeldToMaturitySecurities
421000
CY2024Q1 us-gaap Payments To Acquire Federal Home Loan Bank Stock
PaymentsToAcquireFederalHomeLoanBankStock
0
CY2023Q1 us-gaap Payments To Acquire Federal Home Loan Bank Stock
PaymentsToAcquireFederalHomeLoanBankStock
1678000
CY2024Q1 us-gaap Payments For Proceeds From Loans And Leases
PaymentsForProceedsFromLoansAndLeases
7986000
CY2023Q1 us-gaap Payments For Proceeds From Loans And Leases
PaymentsForProceedsFromLoansAndLeases
20701000
CY2024Q1 us-gaap Proceeds From Life Insurance Policies
ProceedsFromLifeInsurancePolicies
490000
CY2023Q1 us-gaap Proceeds From Life Insurance Policies
ProceedsFromLifeInsurancePolicies
0
CY2024Q1 us-gaap Payments To Acquire Property Plant And Equipment
PaymentsToAcquirePropertyPlantAndEquipment
311000
CY2023Q1 us-gaap Payments To Acquire Property Plant And Equipment
PaymentsToAcquirePropertyPlantAndEquipment
1025000
CY2024Q1 us-gaap Payments For Proceeds From Derivative Instrument Investing Activities
PaymentsForProceedsFromDerivativeInstrumentInvestingActivities
-497000
CY2023Q1 us-gaap Payments For Proceeds From Derivative Instrument Investing Activities
PaymentsForProceedsFromDerivativeInstrumentInvestingActivities
551000
CY2024Q1 cofs Payments For Derivative Contracts Settlements
PaymentsForDerivativeContractsSettlements
0
CY2023Q1 cofs Payments For Derivative Contracts Settlements
PaymentsForDerivativeContractsSettlements
4191000
CY2024Q1 us-gaap Net Cash Provided By Used In Investing Activities
NetCashProvidedByUsedInInvestingActivities
7614000
CY2023Q1 us-gaap Net Cash Provided By Used In Investing Activities
NetCashProvidedByUsedInInvestingActivities
-18918000
CY2024Q1 us-gaap Increase Decrease In Deposits
IncreaseDecreaseInDeposits
63793000
CY2023Q1 us-gaap Increase Decrease In Deposits
IncreaseDecreaseInDeposits
-12102000
CY2024Q1 us-gaap Proceeds From Repayments Of Short Term Debt
ProceedsFromRepaymentsOfShortTermDebt
10036000
CY2023Q1 us-gaap Proceeds From Repayments Of Short Term Debt
ProceedsFromRepaymentsOfShortTermDebt
35000000
CY2024Q1 us-gaap Proceeds From Issuance Of Common Stock
ProceedsFromIssuanceOfCommonStock
56000
CY2023Q1 us-gaap Proceeds From Issuance Of Common Stock
ProceedsFromIssuanceOfCommonStock
52000
CY2024Q1 us-gaap Payments Related To Tax Withholding For Share Based Compensation
PaymentsRelatedToTaxWithholdingForShareBasedCompensation
78000
CY2023Q1 us-gaap Payments Related To Tax Withholding For Share Based Compensation
PaymentsRelatedToTaxWithholdingForShareBasedCompensation
0
CY2024Q1 us-gaap Payments Of Dividends
PaymentsOfDividends
2039000
CY2023Q1 us-gaap Payments Of Dividends
PaymentsOfDividends
1955000
CY2024Q1 us-gaap Net Cash Provided By Used In Financing Activities
NetCashProvidedByUsedInFinancingActivities
71768000
CY2023Q1 us-gaap Net Cash Provided By Used In Financing Activities
NetCashProvidedByUsedInFinancingActivities
20995000
CY2024Q1 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Including Exchange Rate Effect
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect
94696000
CY2023Q1 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Including Exchange Rate Effect
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect
11246000
CY2023Q4 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Including Disposal Group And Discontinued Operations
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsIncludingDisposalGroupAndDiscontinuedOperations
55433000
CY2022Q4 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Including Disposal Group And Discontinued Operations
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsIncludingDisposalGroupAndDiscontinuedOperations
43943000
CY2024Q1 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Including Disposal Group And Discontinued Operations
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsIncludingDisposalGroupAndDiscontinuedOperations
150129000
CY2024Q1 us-gaap Stock Repurchased During Period Shares
StockRepurchasedDuringPeriodShares
0
CY2023Q1 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Including Disposal Group And Discontinued Operations
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsIncludingDisposalGroupAndDiscontinuedOperations
55189000
CY2024Q1 us-gaap Interest Paid Net
InterestPaidNet
15278000
CY2023Q1 us-gaap Interest Paid Net
InterestPaidNet
4557000
CY2024Q1 us-gaap Income Taxes Paid Net
IncomeTaxesPaidNet
0
CY2023Q1 us-gaap Income Taxes Paid Net
IncomeTaxesPaidNet
0
CY2024Q1 us-gaap Transfer To Other Real Estate
TransferToOtherRealEstate
0
CY2023Q1 us-gaap Transfer To Other Real Estate
TransferToOtherRealEstate
130000
CY2024Q1 us-gaap Use Of Estimates
UseOfEstimates
<p style="font-size:10pt;margin-top:10pt;font-family:Times New Roman;margin-bottom:0;text-align:left;"><span style="color:#000000;white-space:pre-wrap;text-decoration:underline;font-size:10pt;font-family:Times New Roman;min-width:fit-content;">Use of Estimates</span></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:justify;"><span style="white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;min-width:fit-content;"> </span></p><p style="font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:justify;"><span style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;min-width:fit-content;">To prepare financial statements in conformity with accounting principles generally accepted in the United States of America, ChoiceOne’s management makes estimates and assumptions based on available information. These estimates and assumptions affect the amounts reported in the financial statements and the disclosures provided. These estimates and assumptions are subject to many risks and uncertainties, and actual results may differ from these estimates. Estimates associated with the allowance for credit losses and the unrealized gains and losses on securities available for sale and held to maturity are particularly susceptible to change.</span><span style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;min-width:fit-content;"> </span></p>
CY2021Q2 us-gaap Stock Repurchase Program Number Of Shares Authorized To Be Repurchased
StockRepurchaseProgramNumberOfSharesAuthorizedToBeRepurchased
375388
CY2021Q2 cofs Stock Repurchase Program Percent Of Stock Outstanding
StockRepurchaseProgramPercentOfStockOutstanding
0.05
CY2024Q1 us-gaap Prior Period Reclassification Adjustment Description
PriorPeriodReclassificationAdjustmentDescription
<span style="color:#000000;white-space:pre-wrap;text-decoration:underline;font-size:10pt;font-family:Times New Roman;min-width:fit-content;">Reclassifications </span><p style="font-size:10pt;margin-top:10pt;font-family:Times New Roman;margin-bottom:0;text-align:left;"><span style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;min-width:fit-content;">Certain amounts presented in prior periods have been reclassified to conform to the current presentation.</span></p>
CY2024Q1 cofs Number Of Days Individually Evaluation
NumberOfDaysIndividuallyEvaluation
P60D
CY2024Q1 us-gaap Equity Securities Fv Ni Cost
EquitySecuritiesFvNiCost
7980000
CY2024Q1 us-gaap Equity Securities Fv Ni Unrealized Gain
EquitySecuritiesFvNiUnrealizedGain
292000
CY2024Q1 us-gaap Equity Securities Fv Ni Unrealized Loss
EquitySecuritiesFvNiUnrealizedLoss
712000
CY2024Q1 us-gaap Equity Securities Fv Ni
EquitySecuritiesFvNi
7560000
CY2023Q4 us-gaap Equity Securities Fv Ni Cost
EquitySecuritiesFvNiCost
7960000
CY2023 us-gaap Equity Securities Fv Ni Unrealized Gain
EquitySecuritiesFvNiUnrealizedGain
212000
CY2023 us-gaap Equity Securities Fv Ni Unrealized Loss
EquitySecuritiesFvNiUnrealizedLoss
667000
CY2023Q4 us-gaap Equity Securities Fv Ni
EquitySecuritiesFvNi
7505000
CY2024Q1 us-gaap Available For Sale Debt Securities Amortized Cost Basis
AvailableForSaleDebtSecuritiesAmortizedCostBasis
572125000
CY2024Q1 us-gaap Available For Sale Debt Securities Accumulated Gross Unrealized Gain Before Tax
AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax
29000
CY2024Q1 us-gaap Available For Sale Debt Securities Accumulated Gross Unrealized Loss Before Tax
AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax
67518000
CY2024Q1 us-gaap Available For Sale Securities Debt Securities
AvailableForSaleSecuritiesDebtSecurities
504636000
CY2024Q1 us-gaap Held To Maturity Securities
HeldToMaturitySecurities
397981000
CY2024Q1 us-gaap Held To Maturity Securities Accumulated Unrecognized Holding Gain
HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain
29000
CY2024Q1 us-gaap Held To Maturity Securities Accumulated Unrecognized Holding Loss
HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss
58800000
CY2024Q1 us-gaap Held To Maturity Securities Fair Value
HeldToMaturitySecuritiesFairValue
339210000
CY2023Q4 us-gaap Available For Sale Debt Securities Amortized Cost Basis
AvailableForSaleDebtSecuritiesAmortizedCostBasis
584239000
CY2023Q4 us-gaap Available For Sale Debt Securities Accumulated Gross Unrealized Gain Before Tax
AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax
14000
CY2023Q4 us-gaap Available For Sale Debt Securities Accumulated Gross Unrealized Loss Before Tax
AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax
69655000
CY2023Q4 us-gaap Available For Sale Securities Debt Securities
AvailableForSaleSecuritiesDebtSecurities
514598000
CY2023Q4 us-gaap Held To Maturity Securities
HeldToMaturitySecurities
407959000
CY2023Q4 us-gaap Held To Maturity Securities Accumulated Unrecognized Holding Gain
HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain
35000
CY2023Q4 us-gaap Held To Maturity Securities Accumulated Unrecognized Holding Loss
HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss
59203000
CY2023Q4 us-gaap Held To Maturity Securities Fair Value
HeldToMaturitySecuritiesFairValue
348791000
CY2024Q1 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position Less Than12 Months
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months
777000
CY2024Q1 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position Less Than12 Months Accumulated Loss
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss
3000
CY2024Q1 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position12 Months Or Longer
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger
490709000
CY2024Q1 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position12 Months Or Longer Accumulated Loss
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss
67515000
CY2024Q1 us-gaap Debt Securities Available For Sale Unrealized Loss Position
DebtSecuritiesAvailableForSaleUnrealizedLossPosition
491486000
CY2024Q1 us-gaap Debt Securities Available For Sale Unrealized Loss Position Accumulated Loss
DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss
67518000
CY2023Q4 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position Less Than12 Months
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months
1812000
CY2023Q4 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position Less Than12 Months Accumulated Loss
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss
29000
CY2023Q4 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position12 Months Or Longer
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger
501940000
CY2023Q4 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position12 Months Or Longer Accumulated Loss
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss
69626000
CY2023Q4 us-gaap Debt Securities Available For Sale Unrealized Loss Position
DebtSecuritiesAvailableForSaleUnrealizedLossPosition
503752000
CY2023Q4 us-gaap Debt Securities Available For Sale Unrealized Loss Position Accumulated Loss
DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss
69655000
CY2024Q1 us-gaap Held To Maturity Securities Continuous Unrealized Loss Position Less Than Twelve Months Fair Value
HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue
7411000
CY2024Q1 us-gaap Held To Maturity Securities Continuous Unrealized Loss Position Less Than12 Months Accumulated Loss
HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss
1334000
CY2024Q1 us-gaap Held To Maturity Securities Continuous Unrealized Loss Position Twelve Months Or Longer Fair Value
HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue
329876000
CY2024Q1 us-gaap Held To Maturity Securities Continuous Unrealized Loss Position12 Months Or Longer Accumulated Loss
HeldToMaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss
57466000
CY2024Q1 us-gaap Held To Maturity Securities Continuous Unrealized Loss Position Fair Value
HeldToMaturitySecuritiesContinuousUnrealizedLossPositionFairValue
337287000
CY2024Q1 us-gaap Held To Maturity Securities Continuous Unrealized Loss Position Accumulated Loss
HeldToMaturitySecuritiesContinuousUnrealizedLossPositionAccumulatedLoss
58800000
CY2023Q4 us-gaap Held To Maturity Securities Continuous Unrealized Loss Position Less Than Twelve Months Fair Value
HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue
23000
CY2023Q4 us-gaap Held To Maturity Securities Continuous Unrealized Loss Position Less Than12 Months Accumulated Loss
HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss
0
CY2023Q4 us-gaap Held To Maturity Securities Continuous Unrealized Loss Position Twelve Months Or Longer Fair Value
HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue
346764000
CY2023Q4 us-gaap Held To Maturity Securities Continuous Unrealized Loss Position12 Months Or Longer Accumulated Loss
HeldToMaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss
59203000
CY2023Q4 us-gaap Held To Maturity Securities Continuous Unrealized Loss Position Fair Value
HeldToMaturitySecuritiesContinuousUnrealizedLossPositionFairValue
346787000
CY2023Q4 us-gaap Held To Maturity Securities Continuous Unrealized Loss Position Accumulated Loss
HeldToMaturitySecuritiesContinuousUnrealizedLossPositionAccumulatedLoss
59203000
CY2024Q1 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
0
CY2023Q1 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
0
CY2024Q1 us-gaap Debt Securities Available For Sale Unrealized Loss Position Number Of Positions
DebtSecuritiesAvailableForSaleUnrealizedLossPositionNumberOfPositions
570
CY2023Q4 us-gaap Debt Securities Available For Sale Unrealized Loss Position Number Of Positions
DebtSecuritiesAvailableForSaleUnrealizedLossPositionNumberOfPositions
569
CY2024Q1 cofs Debt Securities Availableforsale And Equity Securities Fvni Maturity Rolling Within One Year Fair Value
DebtSecuritiesAvailableforsaleAndEquitySecuritiesFVNIMaturityRollingWithinOneYearFairValue
18808000
CY2024Q1 cofs Debt Securities Availableforsale And Equity Securities Fvni Maturity Rolling After One Through Five Years Fair Value
DebtSecuritiesAvailableforsaleAndEquitySecuritiesFVNIMaturityRollingAfterOneThroughFiveYearsFairValue
145163000
CY2024Q1 cofs Debt Securities Availableforsale And Equity Securities Fvni Maturity Rolling After Five Through Ten Years Fair Value
DebtSecuritiesAvailableforsaleAndEquitySecuritiesFVNIMaturityRollingAfterFiveThroughTenYearsFairValue
195346000
CY2024Q1 cofs Available For Sale Securities Debt And Equity Securities Fv Ni Maturities Rolling After Year Ten Fair Value
AvailableForSaleSecuritiesDebtAndEquitySecuritiesFvNiMaturitiesRollingAfterYearTenFairValue
145319000
CY2024Q1 us-gaap Investments
Investments
504636000
CY2024Q1 us-gaap Heldtomaturity Securities Debt Maturities Next Rolling Twelve Months Amortized Cost
HeldtomaturitySecuritiesDebtMaturitiesNextRollingTwelveMonthsAmortizedCost
18890000
CY2024Q1 us-gaap Heldtomaturity Securities Debt Maturities Rolling Year Two Through Five Amortized Cost
HeldtomaturitySecuritiesDebtMaturitiesRollingYearTwoThroughFiveAmortizedCost
34545000
CY2024Q1 us-gaap Heldtomaturity Securities Debt Maturities Rolling Year Six Through Ten Amortized Cost
HeldtomaturitySecuritiesDebtMaturitiesRollingYearSixThroughTenAmortizedCost
264217000
CY2024Q1 us-gaap Heldtomaturity Securities Debt Maturities Rolling After Ten Years Amortized Cost
HeldtomaturitySecuritiesDebtMaturitiesRollingAfterTenYearsAmortizedCost
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CY2024Q1 us-gaap Held To Maturity Securities Debt Maturities Single Maturity Date Amortized Cost Basis
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397981000
CY2023Q1 us-gaap Loans And Leases Receivable Allowance
LoansAndLeasesReceivableAllowance
15065000
CY2023Q1 us-gaap Financing Receivable Allowance For Credit Losses Individually Evaluated For Impairment1
FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1
52000
CY2023Q1 us-gaap Financing Receivable Allowance For Credit Losses Collectively Evaluated For Impairment
FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment
15013000
CY2024Q1 us-gaap Provision For Loan Losses Expensed
ProvisionForLoanLossesExpensed
403000
CY2023Q1 us-gaap Provision For Loan Losses Expensed
ProvisionForLoanLossesExpensed
309000
CY2024Q1 us-gaap Equity Securities Fv Ni Gain Loss
EquitySecuritiesFvNiGainLoss
35000
CY2023Q1 us-gaap Equity Securities Fv Ni Gain Loss
EquitySecuritiesFvNiGainLoss
63000
CY2024Q1 us-gaap Equity Securities Fv Ni Realized Gain Loss
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0
CY2023Q1 us-gaap Equity Securities Fv Ni Realized Gain Loss
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CY2024Q1 us-gaap Equity Securities Fv Ni Unrealized Gain Loss
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CY2023Q1 us-gaap Equity Securities Fv Ni Unrealized Gain Loss
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CY2024Q1 us-gaap Loans And Leases Receivable Gross Carrying Amount
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CY2023Q4 us-gaap Loans And Leases Receivable Gross Carrying Amount
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CY2024Q1 us-gaap Loans And Leases Receivable Allowance
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CY2024Q1 cofs Percentage Of Allowance For Credit Losses
PercentageOfAllowanceForCreditLosses
0.0113
CY2023Q4 us-gaap Loans And Leases Receivable Allowance
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15685000
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CY2024Q1 us-gaap Loans And Leases Receivable Net Reported Amount
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CY2023Q4 us-gaap Loans And Leases Receivable Net Reported Amount
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CY2023Q4 us-gaap Loans And Leases Receivable Allowance
LoansAndLeasesReceivableAllowance
15685000
CY2024Q1 us-gaap Financing Receivable Allowance For Credit Losses Write Offs
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CY2024Q1 us-gaap Financing Receivable Allowance For Credit Losses Recovery
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CY2024Q1 us-gaap Provision For Loan Losses Expensed
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CY2024Q1 us-gaap Loans And Leases Receivable Allowance
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CY2024Q1 cofs Financing Receivable Allowance For Credit Losses Individually Evaluated For Credit Loss
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262000
CY2024Q1 cofs Financing Receivable Allowance For Credit Losses Collectively Evaluated For Credit Loss
FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForCreditLoss
15775000
CY2024Q1 cofs Financing Receivable Individually Evaluated For Credit Loss
FinancingReceivableIndividuallyEvaluatedForCreditLoss
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CY2024Q1 cofs Financing Receivable Collectively Evaluated For Credit Loss
FinancingReceivableCollectivelyEvaluatedForCreditLoss
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CY2024Q1 us-gaap Loans And Leases Receivable Net Of Deferred Income
LoansAndLeasesReceivableNetOfDeferredIncome
1418590000
CY2023Q4 us-gaap Financing Receivable Allowance For Credit Losses Individually Evaluated For Impairment1
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CY2023Q4 us-gaap Financing Receivable Allowance For Credit Losses Collectively Evaluated For Impairment
FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment
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CY2023Q4 us-gaap Financing Receivable Individually Evaluated For Impairment
FinancingReceivableIndividuallyEvaluatedForImpairment
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CY2023Q4 us-gaap Financing Receivable Collectively Evaluated For Impairment
FinancingReceivableCollectivelyEvaluatedForImpairment
1408574000
CY2023Q4 cofs Financing Receivable Acquired With Deteriorated Credit Quality
FinancingReceivableAcquiredWithDeterioratedCreditQuality
0
CY2023Q4 us-gaap Loans And Leases Receivable Net Of Deferred Income
LoansAndLeasesReceivableNetOfDeferredIncome
1410653000
CY2022Q4 us-gaap Loans And Leases Receivable Allowance
LoansAndLeasesReceivableAllowance
7619000
CY2023Q1 us-gaap Financing Receivable Allowance For Credit Losses Write Offs
FinancingReceivableAllowanceForCreditLossesWriteOffs
140000
CY2023Q1 us-gaap Financing Receivable Allowance For Credit Losses Recovery
FinancingReceivableAllowanceForCreditLossesRecovery
112000
CY2023Q1 us-gaap Provision For Loan Losses Expensed
ProvisionForLoanLossesExpensed
309000
CY2024Q1 cofs Financing Receivable Originated Checking Accounts Writeoffs
FinancingReceivableOriginatedCheckingAccountsWriteoffs
87000000
CY2024Q1 cofs Financing Receivable Originated Checking Accounts Writeoffs Annualized
FinancingReceivableOriginatedCheckingAccountsWriteoffsAnnualized
348000000
CY2023Q1 cofs Financing Receivable Originated Checking Accounts Writeoffs
FinancingReceivableOriginatedCheckingAccountsWriteoffs
480000000
CY2023Q4 cofs Financing Receivable Troubled Loan Modification Amortized Cost
FinancingReceivableTroubledLoanModificationAmortizedCost
189000
CY2024Q1 us-gaap Financing Receivable Originated In Current Fiscal Year
FinancingReceivableOriginatedInCurrentFiscalYear
178000
CY2023Q4 us-gaap Financing Receivable Originated In Current Fiscal Year
FinancingReceivableOriginatedInCurrentFiscalYear
189000
CY2024Q1 us-gaap Financing Receivable Nonaccrual No Allowance
FinancingReceivableNonaccrualNoAllowance
479000
CY2024Q1 us-gaap Financing Receivable Recorded Investment Nonaccrual Status
FinancingReceivableRecordedInvestmentNonaccrualStatus
1715000
CY2024Q1 us-gaap Financing Receivable Nonaccrual Interest Income
FinancingReceivableNonaccrualInterestIncome
8000
CY2023Q1 us-gaap Financing Receivable Nonaccrual No Allowance
FinancingReceivableNonaccrualNoAllowance
1432000
CY2023Q1 us-gaap Financing Receivable Recorded Investment Nonaccrual Status
FinancingReceivableRecordedInvestmentNonaccrualStatus
1596000
CY2023Q1 us-gaap Financing Receivable Nonaccrual Interest Income
FinancingReceivableNonaccrualInterestIncome
0
CY2023Q4 us-gaap Financing Receivable Nonaccrual No Allowance
FinancingReceivableNonaccrualNoAllowance
707000
CY2023Q4 us-gaap Financing Receivable Recorded Investment Nonaccrual Status
FinancingReceivableRecordedInvestmentNonaccrualStatus
1723000
CY2023 us-gaap Financing Receivable Nonaccrual Interest Income
FinancingReceivableNonaccrualInterestIncome
16000
CY2024Q1 us-gaap Loans And Leases Receivable Net Of Deferred Income
LoansAndLeasesReceivableNetOfDeferredIncome
1418590000
CY2024Q1 us-gaap Financing Receivable Recorded Investment90 Days Past Due And Still Accruing
FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing
0
CY2023Q4 us-gaap Loans And Leases Receivable Net Of Deferred Income
LoansAndLeasesReceivableNetOfDeferredIncome
1410653000
CY2023Q4 us-gaap Financing Receivable Recorded Investment90 Days Past Due And Still Accruing
FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing
0
CY2024Q1 us-gaap Net Income Loss Available To Common Stockholders Basic
NetIncomeLossAvailableToCommonStockholdersBasic
5634000
CY2023Q1 us-gaap Net Income Loss Available To Common Stockholders Basic
NetIncomeLossAvailableToCommonStockholdersBasic
5633000
CY2024Q1 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
7552680
CY2023Q1 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
7519282
CY2024Q1 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
0.75
CY2023Q1 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
0.75
CY2024Q1 us-gaap Net Income Loss Available To Common Stockholders Diluted
NetIncomeLossAvailableToCommonStockholdersDiluted
5634000
CY2023Q1 us-gaap Net Income Loss Available To Common Stockholders Diluted
NetIncomeLossAvailableToCommonStockholdersDiluted
5633000
CY2024Q1 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
7552680
CY2023Q1 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
7519282
CY2024Q1 us-gaap Incremental Common Shares Attributable To Share Based Payment Arrangements
IncrementalCommonSharesAttributableToShareBasedPaymentArrangements
47336
CY2023Q1 us-gaap Incremental Common Shares Attributable To Share Based Payment Arrangements
IncrementalCommonSharesAttributableToShareBasedPaymentArrangements
33047
CY2024Q1 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
7600016
CY2023Q1 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
7552329
CY2024Q1 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
0.74
CY2023Q1 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
0.75
CY2024Q1 us-gaap Fair Value Measurement With Unobservable Inputs Reconciliation Recurring Basis Asset Purchases
FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetPurchases
20000
CY2023Q1 us-gaap Fair Value Measurement With Unobservable Inputs Reconciliation Recurring Basis Asset Purchases
FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetPurchases
70000
CY2024Q1 us-gaap Revenue From Contract With Customer Including Assessed Tax
RevenueFromContractWithCustomerIncludingAssessedTax
2965000
CY2023Q1 us-gaap Revenue From Contract With Customer Including Assessed Tax
RevenueFromContractWithCustomerIncludingAssessedTax
2784000
CY2024Q1 us-gaap Noninterest Income Other Operating Income
NoninterestIncomeOtherOperatingIncome
1086000
CY2023Q1 us-gaap Noninterest Income Other Operating Income
NoninterestIncomeOtherOperatingIncome
887000
CY2024Q1 us-gaap Noninterest Income
NoninterestIncome
4051000
CY2023Q1 us-gaap Noninterest Income
NoninterestIncome
3671000

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