{"schema_version":"secwatch.filing_event.v1","accession":"0000950170-24-086305","form_type":"8-K","ticker":"COFS","cik":"0000803164","company_name":"CHOICEONE FINANCIAL SERVICES INC","filed_at":"2024-07-25T23:59:59+00:00","discovered_at":"2026-05-14T18:03:15.928591+00:00","generated_at":"2026-05-31T16:31:26.575914+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"ChoiceOne reports Q2 net income $6.6M, EPS $0.87, NIM expands to 2.95%","bullets":["Net income $6.586M ($0.87 diluted EPS) for Q2 2024 vs $5.213M ($0.69) YoY, up 26.3%.","GAAP net interest margin 2.95% in Q2 vs 2.67% prior quarter and 2.79% YoY; NII $18.4M aided by swap settlements of $974k.","Core loans grew organically $12.4M annualized 3.6%; deposits ex-brokered decreased $44.4M due to seasonal public funds.","Nonperforming loans only 0.16% of total loans; allowance for credit losses 1.12% of loans.","Bank well-capitalized with risk-based capital ratio 13.2% at June 30, 2024; shareholders' equity $214.5M."],"urls":{"canonical":"https://secwatch.observer/filing/0000950170-24-086305","json":"https://secwatch.observer/filing/0000950170-24-086305.json","markdown":"https://secwatch.observer/filing/0000950170-24-086305.md","text":"https://secwatch.observer/filing/0000950170-24-086305.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/803164/000095017024086305/0000950170-24-086305-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/803164/000095017024086305/cofs-20240725.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-31T16:31:26.575914+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}