Choiceone Financial
(COFS)
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Fiscal Year End Date: 12/31
(Values in U.S. thousands)
| 12-2024 | 12-2023 | 12-2022 | 12-2021 | 12-2020 | |
| Cash Flows From Operating Activities | |||||
| Net Income | 26,727 | 21,261 | 23,640 | 22,042 | 15,613 |
| Depreciation Amortization | 12,333 | 12,430 | 13,342 | 12,425 | 7,706 |
| Other Working Capital | 10,025 | 12,258 | 5,450 | 2,456 | -18,809 |
| Loans | -3,677 | -709 | 3,468 | 1,235 | -12,293 |
| Other Operating Activity | 3,238 | 1,242 | -1,573 | -459 | 16,261 |
| Operating Cash Flow | $48,646 | $46,482 | $44,327 | $37,699 | $8,478 |
| Cash Flows From Investing Activities | |||||
| Change In Deposits | 57,291 | 47,215 | 51,775 | -548,882 | -204,741 |
| PPE Investments | -1,706 | -4,234 | -1,164 | -2,759 | -1,852 |
| Purchase Of Investment | -14,361 | -597 | -8,534 | -5,117 | -200 |
| Sale Of Investment | N/A | 4,804 | N/A | N/A | N/A |
| Net Loans | -136,070 | -221,245 | -130,620 | 45,384 | -79,594 |
| Other Investing Activity | -3,064 | -7,308 | -1,263 | -10,000 | 35,636 |
| Investing Cash Flow | $-97,910 | $-181,365 | $-89,806 | $-521,374 | $-250,751 |
| Cash Flows From Financing Activities | |||||
| Debt Issued | 315,000 | 420,000 | 726,000 | 87,500 | 10,050 |
| Debt Repayment | -340,000 | -270,000 | -726,000 | -14,326 | -33,921 |
| Common Stock Issued | 32,767 | 231 | 172 | 139 | 134 |
| Common Stock Repurchased | N/A | N/A | -682 | -7,786 | N/A |
| Dividend Paid | -9,012 | -7,910 | -7,578 | -7,200 | -6,174 |
| Other Financing Activity | -220 | 0 | -85 | 0 | 0 |
| Financing Cash Flow | $90,582 | $146,373 | $57,536 | $436,043 | $262,234 |
| Beginning Cash Position | 55,433 | 43,943 | 31,886 | 79,519 | 59,558 |
| End Cash Position | 96,751 | 55,433 | 43,943 | 31,887 | 79,519 |
| Net Cash Flow | $41,318 | $11,490 | $12,057 | $-47,632 | $19,961 |
| Free Cash Flow | |||||
| Operating Cash Flow | 48,646 | 46,482 | 44,327 | 37,699 | 8,478 |
| Capital Expenditure | -1,706 | -4,234 | -1,164 | -2,759 | -1,852 |
| Free Cash Flow | 46,940 | 42,248 | 43,163 | 34,940 | 6,626 |