Choiceone Financial Services Income Statement (2010-2026) | COFS

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Income Statement	Jun2021	Sep2021	Dec2021	Mar2022	Jun2022	Sep2022	Dec2022	Mar2023	Jun2023	Sep2023	Dec2023	Mar2024	Jun2024	Sep2024	Dec2024	Mar2025	Jun2025	Sep2025	Dec2025	Mar2026
Revenue & Cost
Provisions (Quarter)	0.17M					0.10M	0.15M	0.31M	-0.41M		1.49M		0.27M	0.42M	-0.07M	13.16M	0.65M	0.20M	1.10M
Revenue (Quarter)	2.72M	2.75M	19.89M	2.72M	2.89M	2.90M	21.11M	2.78M	2.79M	2.94M	20.60M	2.96M	3.17M	3.35M	3.29M	3.65M	4.82M	5.29M	5.24M	4.98M
Interest income
Interest income - Loans (Quarter)	11.56M	12.41M	12.00M	12.30M	12.52M	13.61M	14.39M	14.87M	15.98M	17.77M	19.76M	20.79M	21.97M	23.25M	23.57M	32.64M	46.53M	47.12M	46.62M	45.64M
Interest income - Investments (Quarter)	0.14M	-0.22M	0.25M	0.10M	0.67M	-0.74M	0.62M	0.20M	0.17M	0.09M
Interest Income - Debt Securities (Quarter)	1.18M	2.82M	3.19M	1.38M	3.52M	3.97M	4.58M	1.07M	5.38M	5.35M	-11.03M	5.35M	1.20M	5.56M	4.85M	4.73M	5.26M	2.81M	1.88M	5.49M
Other interest income (Quarter)	0.01M	0.04M	0.01M	0.01M	0.06M	0.24M	0.18M	0.18M	0.57M	1.76M	1.29M	0.89M	1.09M	1.47M	1.23M	1.18M	0.73M	0.91M	0.69M	0.69M
Interest Income - Total (Quarter)	15.42M	16.73M	16.82M	17.47M	17.67M	19.29M	20.64M	21.40M	23.32M	26.30M	27.96M	28.43M	29.94M	31.69M	31.04M	39.96M	53.92M	54.70M	54.38M	53.27M
Interest expenses
Interest Expense - Deposits (Quarter)	0.84M	0.84M	0.75M	0.78M	1.00M	1.56M	2.50M	3.28M	5.06M	7.24M	8.42M	8.78M	8.32M	8.36M	8.71M	10.72M	14.84M	14.29M	14.13M	13.74M
Interest Expense - Debt (Quarter)	0.00M	0.02M	0.62M	0.00M	0.00M	0.01M	1.48M	0.60M	0.62M	0.27M	0.27M	0.44M	0.46M	0.47M	0.67M	2.05M	1.66M	1.93M	2.56M	2.18M
Interest Expense - Fed Funds (Quarter)
Interest Expense - Others (Quarter)	0.07M	0.17M	0.32M	0.37M	0.38M	0.38M	0.66M	0.51M	1.55M	2.57M	2.71M	2.74M	2.79M	2.61M	2.31M	0.88M	1.10M	0.89M	0.84M	0.71M
Interest Expenses (Quarter)	0.91M	1.03M	1.07M	1.15M	1.38M	1.95M	3.27M	4.39M	7.22M	10.08M	11.41M	11.96M	11.57M	11.44M	11.69M	13.65M	17.60M	17.10M	17.54M	16.63M
Interest Income - Net (Quarter)	14.51M	15.70M	15.74M	16.32M	16.29M	17.34M	17.37M	17.01M	16.09M	16.23M	16.56M	16.47M	18.37M	20.25M	19.35M	26.31M	36.32M	37.60M	36.84M	36.64M
Non-interest income
Interest Income - Total (Quarter)	14.34M	15.70M	15.74M	16.32M	16.29M	17.24M	17.22M	16.99M	16.34M	16.23M	16.18M	16.47M	18.37M	19.82M	19.15M	13.15M	35.67M	37.40M	36.04M	36.64M
Financial Services Fees (Quarter)	0.20M	0.15M	0.14M	0.20M	0.23M	0.16M	0.18M	0.20M	0.17M	0.17M	0.16M	0.20M	0.19M	0.18M	0.17M	0.29M	0.54M	0.48M	0.59M	0.55M
Service Charges (Quarter)	2.13M	2.25M	2.32M	2.19M	2.35M	2.46M	-2.44M	2.27M	2.27M	2.38M	-2.32M	1.14M	1.15M	1.25M	1.24M	1.18M	1.40M	1.73M	1.68M	1.66M
Investment Gain (Loss) (Quarter)	0.00M		-0.04M		-0.43M	-0.38M	-0.00M			-0.07M										-0.20M
Investment Banking Income (Quarter)	1.77M	1.80M	-1.27M	0.80M	0.89M	0.43M	0.22M	0.40M	0.54M	0.54M	0.47M	0.45M	0.53M	0.63M	0.83M	0.44M	0.35M	0.67M	0.51M	0.41M
Income - Trust (Quarter)	0.25M	0.19M	0.18M	0.18M	0.18M	0.17M	0.21M	0.18M	0.20M	0.20M	0.19M	0.21M	0.22M	0.23M	0.24M	0.51M	0.60M	0.73M	0.69M	0.69M
Card Income (Quarter)														1.52M	1.49M	1.51M		2.13M	2.09M	1.89M
Trading Income (Quarter)
Other Non-Interest Income (Quarter)	0.19M	0.26M	-6.20M	0.28M	0.23M	0.17M	-0.50M	0.26M	0.29M	0.77M	0.29M	0.49M	0.33M	0.19M	1.70M	0.39M	0.84M	0.41M	1.46M	0.83M
Non-Interest Income (Quarter)	4.73M	4.72M	4.14M	3.85M	3.43M	3.05M	3.75M	3.67M	3.48M	3.70M	4.05M	4.05M	4.08M	4.87M	4.99M	4.92M	6.50M	7.14M	6.10M	5.82M
Operating Items
Amortization - Intangibles (Quarter)	1.45M	0.35M	1.61M	0.28M	1.56M	1.46M	0.25M	1.44M	1.39M	0.25M	1.39M	1.41M	0.20M	0.20M	1.39M	0.68M	1.73M	1.73M	1.40M	1.45M
Research & Development (Quarter)	1.67M	1.47M	1.62M	1.74M	1.58M	1.73M	0.43M	1.68M	1.68M	1.72M	0.26M	1.34M	1.47M	1.60M	1.50M	2.00M	2.44M	2.50M	2.37M	2.29M
Wages, Salaries and Other (Quarter)	0.94M	7.55M	-18.71M	0.51M	0.56M	0.56M	-20.64M	0.62M	7.84M	8.04M	0.52M	7.83M	8.26M	8.37M	31.59M	10.32M	13.73M	0.83M	0.78M	0.98M
Rent Expense (Quarter)	1.50M	1.54M	1.58M	1.62M	1.52M	1.54M	1.50M	1.64M	1.51M	1.43M	1.47M	1.46M	1.48M	1.48M	1.38M	1.72M	2.43M	2.69M	2.47M	2.59M
Restructuring Costs (Quarter)														0.65M	0.39M	17.20M	0.17M
Other Operating Expenses (Quarter)	9.96M	10.50M	10.56M	10.32M	10.06M	10.14M	11.28M	10.67M	10.38M	10.58M	12.04M	-14.14M	9.08M	8.23M	30.78M	10.49M	13.67M	16.68M	13.00M	20.89M
Operating Expenses (Quarter)	13.13M	13.51M	13.76M	13.69M	13.16M	13.42M	13.21M	13.99M	13.57M	13.73M	13.78M	13.68M	14.28M	15.42M	15.34M	35.66M	25.51M	26.21M	25.35M	25.78M
EBIT (Quarter)	6.86M	7.94M	7.20M	7.63M	7.94M	8.82M	11.02M	11.05M	13.48M	16.28M	17.86M	18.80M	19.75M	20.71M	20.49M	-3.95M	34.27M	35.43M	34.32M	33.31M
Net income details
EBT (Quarter)	5.95M	6.91M	6.13M	6.48M	6.56M	6.87M	7.75M	6.66M	6.25M	6.20M	6.45M	6.84M	8.18M	9.27M	8.80M	-17.59M	16.67M	18.33M	16.79M	16.68M
Tax Provisions (Quarter)	0.90M	1.16M	1.12M	0.95M	0.95M	1.06M	1.08M	1.03M	1.04M	1.08M	1.16M	1.21M	1.59M	1.93M	1.64M	-3.69M	3.13M	3.65M	3.03M	2.98M
Profit After Tax (Quarter)	5.04M	5.75M	5.01M	5.53M	5.62M	5.81M	9.77M	5.63M	5.21M	5.12M	5.29M	5.63M	6.59M	7.35M	7.16M	-13.91M	13.53M	14.68M	13.87M	13.70M
Equity Income (Quarter)	-0.12M	-0.03M	0.02M	-0.36M	-0.33M	-0.32M	0.05M	0.06M	-0.39M	-0.13M	0.14M	0.04M	-0.07M	0.28M	-0.05M	0.11M	0.24M	0.46M	-0.20M	0.03M
Income from Continuing Operations (Quarter)	5.04M	5.75M	5.01M	5.53M	5.62M	5.81M	6.67M	5.63M	5.21M	5.12M	5.29M	5.63M	6.59M	7.35M	7.16M	-13.91M	13.53M	14.68M	13.75M	13.70M
Consolidated Net Income (Quarter)	5.04M	5.75M	5.01M	5.53M	5.62M	5.81M	6.67M	5.63M	5.21M	5.12M	5.29M	5.63M	6.59M	7.35M	7.16M	-13.91M	13.53M	14.68M	13.75M	13.70M
Income towards Parent Company (Quarter)	5.04M	5.75M	5.01M	5.53M	5.62M	5.81M	6.67M	5.63M	5.21M	5.12M	5.29M	5.63M	6.59M	7.35M	7.16M	-13.91M	13.53M	14.68M	13.75M	13.70M
Net Income towards Common Stockholders (Quarter)	5.04M	5.75M	5.01M	5.53M	5.62M	5.81M	6.68M	5.63M	5.21M	5.12M	5.29M	5.63M	6.59M	7.35M	7.16M	-13.91M	13.53M	14.68M	13.87M	13.70M
Additional items
EPS (Basic) (Quarter)	0.65	0.75	0.67	0.74	0.75	0.77	0.89	0.75	0.69	0.68	0.70	0.75	0.87	0.86	0.79	-1.30	0.90	0.98	0.97	0.91
EPS (Weighted Average and Diluted) (Quarter)	0.65	0.75	0.66	0.74	0.75	0.77	0.89	0.75	0.69	0.68	0.70	0.74	0.87	0.85	0.79	-1.29	0.90	0.97	0.96	0.91
Shares Outstanding (Weighted Average) (Quarter)	7.77M	7.62M	7.69M	7.50M	7.50M	7.51M	7.50M	7.52M	7.52M	7.53M	7.53M	7.55M	7.56M	8.57M	8.17M	10.68M	12.85M	13.58M	13.94M	14.99M
Shares Outstanding (Diluted Average) (Quarter)	7.80M	7.63M	7.70M	7.52M	7.51M	7.52M	7.53M
EBITDA (Quarter)	6.86M	7.94M	7.20M	7.63M	7.94M	8.82M	11.02M	11.05M	13.48M	16.28M	17.86M	18.80M	19.75M	20.71M	20.49M	-3.95M	34.27M	35.43M	34.32M	33.31M
Tax Rate (Quarter)	15.17%	16.83%	18.25%	14.64%	14.43%	15.37%	13.95%	15.46%	16.63%	17.41%	17.93%	17.64%	19.45%	20.76%	18.64%	20.97%	18.81%	19.89%	18.07%	17.85%

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Choiceone Financial Services Income Statement (2010-2026) | COFS

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Choiceone Financial Services Income Statement (2010-2026) | COFS

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