ChoiceOne Financial Services, Inc. (COFS) quarterly balance sheet — complete assets, liabilities & equity history
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 | Q3'21 | Q2'21 |
|---|
| Cash & Short Term Investments | 83.87M | 222.26M | 107.63M | 166.43M | 155.09M | 575.52M | 643.14M | 592.67M | 654.76M | 570.03M | 635.13M | 597.66M | 590.19M | 573.69M | 581.24M | 606.09M | 731.02M | 1.13B | 1.09B | 950.87M |
| Cash & Due from Banks | 83.87M | 87.99M | 98.98M | 156.28M | 139.42M | 96.4M | 145.94M | 101M | 150.13M | 55.43M | 144.67M | 76.81M | 55.19M | 43.94M | 51.49M | 40.3M | 89.98M | 31.89M | 59.78M | 95.32M |
| Short Term Investments | 0 | 134.28M | 8.65M | 10.15M | 15.66M | 479.12M | 497.55M | 491.67M | 504.64M | 514.6M | 490.8M | 521.2M | 535.35M | 529.75M | 530.09M | 566.14M | 641.05M | 1.1B | 1.03B | 855.55M |
| Total Investments | 3.96B | 3.94B | 3.82B | 3.77B | 3.81B | 2.42B | 2.39B | 2.32B | 2.32B | 2.33B | 2.21B | 2.21B | 2.17B | 2.15B | 2.1B | 2.13B | 2.11B | 2.17B | 2.06B | 1.87B |
| Investments Growth % | 3.86% | 63.07% | 59.93% | 62.69% | 64.45% | 3.78% | 8.04% | 5.01% | 7.05% | 8.3% | 5.37% | 3.88% | 2.53% | -0.8% | 1.72% | 13.49% | 18.69% | 28.48% | 32.43% | 39.98% |
| Long-Term Investments | 3.96B | 3.81B | 3.81B | 3.76B | 3.8B | 1.94B | 1.89B | 1.83B | 1.81B | 1.82B | 1.72B | 1.69B | 1.63B | 1.62B | 1.57B | 1.56B | 1.47B | 1.07B | 1.04B | 1.02B |
| Accounts Receivables | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Goodwill & Intangibles | 159.32M | 157.84M | 158.42M | 160.15M | 161.67M | 61.04M | 61.2M | 61.39M | 61.6M | 61.8M | 62M | 62.25M | 62.5M | 62.76M | 63.01M | 63.3M | 63.61M | 63.91M | 64.21M | 64.56M |
| Goodwill | 129.85M | 129.85M | 126.73M | 126.73M | 126.52M | 59.95M | 59.95M | 59.95M | 59.95M | 59.95M | 59.95M | 59.95M | 59.95M | 59.95M | 59.95M | 59.95M | 59.95M | 59.95M | 59.95M | 59.95M |
| Intangible Assets | 29.46M | 27.99M | 31.69M | 33.42M | 35.15M | 1.1M | 1.25M | 1.45M | 1.65M | 1.85M | 2.06M | 2.3M | 2.56M | 2.81M | 3.06M | 3.36M | 3.66M | 3.96M | 4.26M | 4.61M |
| PP&E (Net) | 48.67M | 48.11M | 46.16M | 45.67M | 44.28M | 27.1M | 27.14M | 27.37M | 28.27M | 29.75M | 29.63M | 29.09M | 28.63M | 28.23M | 28.95M | 29.12M | 29.68M | 29.88M | 30.01M | 29.61M |
| Other Assets | 139.88M | 173.98M | 169.8M | 175.06M | 146.5M | -1.96B | -1.89B | 114.11M | 111.94M | 99.98M | 124.93M | 106.96M | 97.52M | 99.77M | 119.94M | 101.36M | 81.02M | 72.49M | 59.81M | 57.96M |
| Total Current Assets | 86.17M | 222.26M | 107.63M | 166.43M | 155.09M | 575.52M | 643.14M | 592.67M | 654.76M | 570.03M | 635.48M | 597.66M | 590.54M | 573.69M | 581.59M | 606.44M | 731.02M | 1.13B | 1.09B | 950.87M |
| Total Non-Current Assets | 4.31B | 4.19B | 4.19B | 4.14B | 4.15B | 88.14M | 88.33M | 2.03B | 2.02B | 2.01B | 1.94B | 1.89B | 1.82B | 1.81B | 1.78B | 1.75B | 1.65B | 1.24B | 1.19B | 1.17B |
| Total Assets | 4.39B | 4.41B | 4.3B | 4.31B | 4.31B | 2.72B | 2.73B | 2.62B | 2.67B | 2.58B | 2.57B | 2.48B | 2.41B | 2.39B | 2.36B | 2.36B | 2.38B | 2.37B | 2.28B | 2.12B |
| Asset Growth % | 2.08% | 61.96% | 57.63% | 64.32% | 61.2% | 5.69% | 5.9% | 5.61% | 10.82% | 8% | 8.91% | 5.23% | 1.39% | 0.81% | 3.79% | 11.28% | 14.81% | 23.31% | 24.51% | 37.27% |
| Return on Assets (ROA) | 0.31% | 0.32% | 0.34% | 0.31% | -0.4% | 0.26% | 0.27% | 0.25% | 0.21% | 0.21% | 0.2% | 0.21% | 0.23% | 0.28% | 0.25% | 0.24% | 0.23% | 0.22% | 0.26% | 0.24% |
| Accounts Payable | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Debt | 233.37M | 313.46M | 246.37M | 246.71M | 185.52M | 210.75M | 245.69M | 245.63M | 245.57M | 235.51M | 215.45M | 195.38M | 120.32M | 85.26M | 35.2M | 42.14M | 35.08M | 85.02M | 34.96M | 5.78M |
| Net Debt | 149.5M | 225.47M | 147.39M | 90.42M | 46.09M | 114M | 100.1M | 144.63M | 95.44M | 180.07M | 70.77M | 118.58M | 65.13M | 41.32M | -16.29M | 1.84M | -54.9M | 53.13M | -24.82M | -89.54M |
| Long-Term Debt | 68.37M | 68.46M | 196.37M | 223M | 98.19M | 55.75M | 55.69M | 55.63M | 245.57M | 215.51M | 215.45M | 195.38M | 120.32M | 35.26M | 35.2M | 42.14M | 35.08M | 35.02M | 34.96M | 5.78M |
| Short-Term Debt | 165M | 245M | 50M | 23.7M | 87.33M | 155M | 190M | 190M | 0 | 20M | 0 | 0 | 0 | 50M | 0 | 0 | 0 | 50M | 0 | 0 |
| Other Liabilities | 3.69B | 31.71M | 33.89M | 39.16M | 41.08M | 37.97M | 24.34M | 36.24M | 32.53M | 23.51M | 44.39M | 22.71M | 14.95M | 13.78M | 15.02M | 13.1M | 4.98M | 7.7M | 5.02M | 5.89M |
| Total Current Liabilities | 165M | 3.85B | 3.62B | 3.62B | 3.74B | 2.37B | 2.4B | 2.32B | 2.19B | 2.14B | 2.13B | 2.09B | 2.11B | 2.17B | 2.16B | 2.14B | 2.15B | 2.1B | 2.01B | 1.88B |
| Total Non-Current Liabilities | 3.76B | 100.17M | 230.26M | 262.17M | 139.26M | 93.72M | 80.03M | 91.87M | 278.1M | 239.02M | 259.84M | 218.1M | 135.27M | 49.04M | 50.22M | 55.24M | 40.06M | 42.72M | 39.98M | 11.68M |
| Total Liabilities | 3.92B | 3.95B | 3.85B | 3.88B | 3.88B | 2.46B | 2.48B | 2.41B | 2.46B | 2.38B | 2.39B | 2.3B | 2.24B | 2.22B | 2.21B | 2.19B | 2.19B | 2.15B | 2.05B | 1.89B |
| Total Equity | 470M | 465.35M | 449.62M | 431.76M | 427.07M | 260.42M | 247.75M | 214.52M | 206.76M | 195.63M | 181.16M | 179.24M | 168.71M | 168.87M | 156.66M | 166.46M | 191.12M | 221.67M | 225.06M | 228.52M |
| Equity Growth % | 10.05% | 78.7% | 81.48% | 101.27% | 106.56% | 33.11% | 36.75% | 19.68% | 22.55% | 15.85% | 15.64% | 7.68% | -11.72% | -23.82% | -30.39% | -27.16% | -12.59% | -2.46% | 0.95% | 12.78% |
| Equity / Assets (Capital Ratio) | 10.7% | 10.55% | 10.46% | 10.02% | 9.92% | 9.56% | 9.09% | 8.18% | 7.74% | 7.59% | 7.04% | 7.22% | 7% | 7.08% | 6.63% | 7.05% | 8.04% | 9.37% | 9.88% | 10.77% |
| Return on Equity (ROE) | 2.93% | 3.03% | 3.33% | 3.15% | -4.05% | 2.82% | 3.18% | 3.13% | 2.8% | 2.81% | 2.84% | 3% | 3.34% | 4.11% | 3.6% | 3.14% | 2.68% | 2.24% | 2.54% | 2.26% |
| Book Value per Share | 31.20 | 30.89 | 29.71 | 28.72 | 39.76 | 30.48 | 29.00 | 28.21 | 27.20 | 25.87 | 23.94 | 23.73 | 22.34 | 22.49 | 20.83 | 22.16 | 25.43 | 29.25 | 29.48 | 29.38 |
| Tangible BV per Share | 20.62 | 20.41 | 19.24 | 18.07 | 24.71 | 23.33 | 21.83 | 20.13 | 19.10 | 17.70 | 15.74 | 15.49 | 14.06 | 14.13 | 12.45 | 13.73 | 16.96 | 20.82 | 21.07 | 21.08 |
| Common Stock | 397.5M | 398.39M | 398.69M | 398.2M | 397.86M | 206.78M | 206.43M | 173.98M | 173.79M | 173.51M | 173.19M | 172.88M | 172.56M | 172.28M | 171.97M | 171.8M | 171.49M | 171.91M | 173.89M | 176.32M |
| Additional Paid-in Capital | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Retained Earnings | 112.01M | 102.64M | 93.12M | 82.65M | 73.32M | 91.41M | 86.77M | 81.84M | 77.29M | 73.7M | 70.44M | 67.28M | 64.03M | 68.39M | 63.66M | 59.73M | 55.99M | 52.33M | 49.2M | 45.35M |
| Accumulated OCI | -39.51M | -35.67M | -42.2M | -49.09M | -44.32M | -37.78M | -45.45M | -41.3M | -44.32M | -51.58M | -62.47M | -60.92M | -67.88M | -71.8M | -78.98M | -65.07M | -36.36M | -2.58M | 1.97M | 6.85M |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |