ChoiceOne Financial Services, Inc. (COFS) quarterly income statement — complete revenue, gross profit & net income history
| Net Interest Income | 36.64M | 36.84M | 37.6M | 36.32M | 26.31M | 19.35M | 20.25M | 18.37M | 16.47M | 16.56M | 16.23M | 16.09M |
| NII Growth % | 39.26% | 90.4% | 85.68% | 97.71% | 59.71% | 16.87% | 24.79% | 14.17% | -3.16% | -4.66% | -6.41% | -1.22% |
| Net Interest Margin % | 0.83% | 0.84% | 0.87% | 0.84% | 0.61% | 0.71% | 0.74% | 0.7% | 0.62% | 0.64% | 0.63% | 0.65% |
| Interest Income | 53.27M | 54.38M | 54.7M | 53.92M | 39.96M | 31.04M | 31.69M | 29.94M | 28.43M | 27.96M | 26.3M | 23.32M |
| Interest Expense | 16.63M | 17.54M | 17.1M | 17.6M | 13.65M | 11.69M | 11.44M | 11.57M | 11.96M | 11.41M | 10.08M | 7.22M |
| Loan Loss Provision | 0 | 800K | 200K | 650K | 13.16M | 200K | 425K | 0 | 0 | 375K | 0 | -250K |
| Non-Interest Income | 5.82M | 6.1M | 7.14M | 6.5M | 4.92M | 4.99M | 4.87M | 4.08M | 4.05M | 4.05M | 3.7M | 3.48M |
| Non-Interest Income % | 9.84% | 10.08% | 11.55% | 10.76% | 10.97% | 13.86% | 13.31% | 12% | 12.47% | 12.64% | 12.34% | 13% |
| Total Revenue | 59.09M | 60.47M | 61.84M | 60.43M | 44.88M | 36.03M | 36.56M | 34.03M | 32.48M | 32.01M | 30.01M | 26.8M |
| Revenue Growth % | 31.66% | 67.83% | 69.17% | 77.59% | 38.17% | 12.57% | 21.82% | 26.96% | 29.57% | 31.27% | 34.37% | 27.04% |
| Non-Interest Expense | 25.78M | 25.35M | 26.21M | 25.51M | 35.66M | 15.34M | 15.42M | 14.28M | 13.68M | 13.78M | 13.73M | 13.57M |
| Efficiency Ratio | 43.62% | 41.92% | 42.39% | 42.21% | 79.47% | 42.58% | 42.17% | 41.96% | 42.13% | 43.05% | 45.75% | 50.64% |
| Operating Income | 16.68M | 16.79M | 18.33M | 16.67M | -17.59M | 8.8M | 9.27M | 8.18M | 6.84M | 6.45M | 6.2M | 6.25M |
| Operating Margin % | 28.23% | 27.76% | 29.63% | 27.58% | -39.2% | 24.42% | 25.37% | 24.03% | 21.06% | 20.15% | 20.67% | 23.33% |
| Operating Income Growth % | 194.81% | 90.79% | 97.63% | 103.88% | -357.2% | 36.44% | 49.52% | 30.75% | 2.67% | -16.79% | -9.71% | -4.71% |
| Pretax Income | 16.68M | 16.79M | 18.33M | 16.67M | -17.59M | 8.8M | 9.27M | 8.18M | 6.84M | 6.45M | 6.2M | 6.25M |
| Pretax Margin % | 28.23% | 27.76% | 29.63% | 27.58% | -39.2% | 24.42% | 25.37% | 24.03% | 21.06% | 20.15% | 20.67% | 23.33% |
| Income Tax | 2.98M | 2.92M | 3.65M | 3.13M | -3.69M | 1.64M | 1.93M | 1.59M | 1.21M | 1.16M | 1.08M | 1.04M |
| Effective Tax Rate % | 17.85% | 17.4% | 19.89% | 18.81% | 20.97% | 18.64% | 20.76% | 19.45% | 17.64% | 17.93% | 17.41% | 16.63% |
| Net Income | 13.7M | 13.87M | 14.68M | 13.53M | -13.91M | 7.16M | 7.35M | 6.59M | 5.63M | 5.29M | 5.12M | 5.21M |
| Net Margin % | 23.19% | 22.93% | 23.74% | 22.4% | -30.98% | 19.87% | 20.1% | 19.36% | 17.34% | 16.54% | 17.07% | 19.45% |
| Net Income Growth % | 198.55% | 93.7% | 99.8% | 105.5% | -346.82% | 35.25% | 43.46% | 26.34% | 0.02% | -20.81% | -11.89% | -7.16% |
| Net Income (Continuing) | 13.7M | 13.87M | 14.68M | 13.53M | -13.91M | 7.16M | 7.35M | 6.59M | 5.63M | 5.29M | 5.12M | 5.21M |
| EPS (Diluted) | 0.91 | 0.92 | 0.97 | 0.90 | -1.30 | 0.84 | 0.85 | 0.87 | 0.74 | 0.70 | 0.68 | 0.69 |
| EPS Growth % | 170% | 9.52% | 14.12% | 3.45% | -275.68% | 20% | 25% | 26.09% | -1.33% | -21.35% | -11.69% | -8% |
| EPS (Basic) | 0.91 | 0.92 | 0.98 | 0.90 | -1.70 | 0.83 | 0.86 | 0.87 | 0.75 | 0.70 | 0.68 | 0.69 |
| Diluted Shares Outstanding | 15.07M | 15.07M | 15.13M | 15.04M | 10.74M | 8.54M | 8.54M | 7.6M | 7.6M | 7.56M | 7.57M | 7.55M |