{"schema_version":"secwatch.filing_event.v1","accession":"0001437749-23-001765","form_type":"8-K","ticker":"COFS","cik":"0000803164","company_name":"CHOICEONE FINANCIAL SERVICES INC","filed_at":"2023-01-25T23:59:59+00:00","discovered_at":"2026-05-14T18:03:48.127925+00:00","generated_at":"2026-06-20T10:06:33.932760+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 Q4 net income $6.7M, EPS $0.89; core loan growth 20.3% annualized","bullets":["Net income $6.7M in Q4 2022 vs $5.0M in Q4 2021; diluted EPS $0.89 vs $0.66.","Full year 2022 net income $23.6M, EPS $3.15 vs $22.0M, $2.86 in 2021.","Core loans grew organically $57.4M in Q4 (20.3% annualized) and $206.1M for 2022.","Deposits rose $65.7M for 2022 but declined $38.7M in Q4 due to seasonality and competition.","Expects CECL adoption on Jan 1, 2023 to increase loan loss reserve by $6.5-7.0M."],"urls":{"canonical":"https://secwatch.observer/filing/0001437749-23-001765","json":"https://secwatch.observer/filing/0001437749-23-001765.json","markdown":"https://secwatch.observer/filing/0001437749-23-001765.md","text":"https://secwatch.observer/filing/0001437749-23-001765.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/803164/000143774923001765/0001437749-23-001765-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/803164/000143774923001765/cofs20221130_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-20T10:06:33.932760+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":[{"claim_id":"073b8ba2efbd44b175f56bb66c9648eacbdd48dc","claim":"CHOICEONE FINANCIAL SERVICES INC reported the three months ended December 31, 2022 results: net income $6,684,000, EPS $0.89.","evidence_excerpt":"ChoiceOne reported net income of $6,684,000 and $23,640,000 for the three and twelve months ended December 31, 2022, compared to $5,012,000 and $22,042,000 for the same periods in 2021.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/803164/000143774923001765/0001437749-23-001765-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the three months ended December 31, 2022"},{"label":"Net income","value":"$6,684,000"},{"label":"EPS","value":"$0.89"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"},{"claim_id":"eb1874f54d32a55d929ffdb269a9feb45b6b541f","claim":"CHOICEONE FINANCIAL SERVICES INC reported the twelve months ended December 31, 2022 results: net income $23,640,000, EPS $3.15.","evidence_excerpt":"Diluted earnings per share were $0.89 and $3.15 in the three and twelve months ended December 31, 2022, compared to $0.66 and $2.86 per share in the same periods in the prior year.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/803164/000143774923001765/0001437749-23-001765-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the twelve months ended December 31, 2022"},{"label":"Net income","value":"$23,640,000"},{"label":"EPS","value":"$3.15"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}