{"schema_version":"secwatch.filing_event.v1","accession":"0001437749-22-024792","form_type":"8-K","ticker":"COFS","cik":"0000803164","company_name":"CHOICEONE FINANCIAL SERVICES INC","filed_at":"2022-10-26T23:59:59+00:00","discovered_at":"2026-05-14T18:03:53.607182+00:00","generated_at":"2026-06-23T01:02:36.291761+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"confidence":"high","headline":"ChoiceOne Q3 net income $5.8M (+1% YoY), diluted EPS $0.77; core loans grow 19.6% annualized","bullets":["Net income $5.813M vs $5.749M in Q3 2021; diluted EPS $0.77 vs $0.75.","Core loans (ex-PPP) grew organically $52.8M or 19.6% annualized in Q3; $205.2M (22.1%) YoY.","Deposits grew $18.2M (3.4% annualized) in Q3; deposit expense up $786K in 9M 2022 vs 9M 2021.","Total assets $1.47B, up $86.3M YoY; shareholders' equity fell to $156.7M from $225.1M due to unrealized securities losses.","Bank remains well-capitalized, total risk-based capital ratio 12.8%; no share repurchases in Q3."],"urls":{"canonical":"https://secwatch.observer/filing/0001437749-22-024792","json":"https://secwatch.observer/filing/0001437749-22-024792.json","markdown":"https://secwatch.observer/filing/0001437749-22-024792.md","text":"https://secwatch.observer/filing/0001437749-22-024792.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/803164/000143774922024792/0001437749-22-024792-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/803164/000143774922024792/cofs20220823_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-23T01:02:36.291761+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"}