Choiceone Financial
(COFS)
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Fiscal Year End Date: 12/31
| 12-2019 | 12-2018 | 12-2017 | 12-2016 | 12-2015 | |
| Cash Flows From Operating Activities | |||||
| Net Income | 7,171 | 7,333 | 6,168 | 6,090 | 5,743 |
| Depreciation Amortization | 3,127 | 2,076 | 2,450 | 2,609 | 2,483 |
| Other Working Capital | -2,163 | 221 | -1,857 | 2,261 | -4,542 |
| Loans | -3,108 | 314 | -1,553 | 2,491 | -2,837 |
| Other Operating Activity | 4,175 | 11 | 2,882 | -2,524 | 3,131 |
| Operating Cash Flow | $9,202 | $9,955 | $8,090 | $10,927 | $3,978 |
| Cash Flows From Investing Activities | |||||
| Change In Deposits | 16,503 | -15,373 | 19,044 | -17,504 | -17,942 |
| PPE Investments | -766 | -4,207 | -1,656 | -1,819 | -1,038 |
| Net Acquisitions | 20,638 | N/A | N/A | N/A | N/A |
| Sale Of Investment | 463 | 91 | 33 | N/A | N/A |
| Net Loans | -485 | -24,366 | -35,723 | -20,274 | -3,979 |
| Other Investing Activity | -1 | 0 | 0 | -1,880 | 299 |
| Investing Cash Flow | $36,352 | $-43,855 | $-18,302 | $-41,477 | $-22,660 |
| Cash Flows From Financing Activities | |||||
| Debt Issued | 106,400 | 133,300 | 212,500 | 311,017 | 194,575 |
| Debt Repayment | -110,035 | -150,683 | -205,298 | -311,595 | -218,889 |
| Common Stock Issued | 142 | 77 | 98 | 85 | 206 |
| Common Stock Repurchased | -67 | -523 | -203 | -794 | -371 |
| Dividend Paid | -5,815 | -2,580 | -2,324 | -2,231 | -2,170 |
| Other Financing Activity | -297 | 0 | 0 | 0 | 0 |
| Financing Cash Flow | $-5,686 | $16,753 | $32,240 | $34,172 | $13,219 |
| Beginning Cash Position | 19,690 | 36,837 | 14,809 | 11,187 | 16,650 |
| End Cash Position | 59,558 | 19,690 | 36,837 | 14,809 | 11,187 |
| Net Cash Flow | $39,868 | $-17,147 | $22,028 | $3,622 | $-5,463 |
| Free Cash Flow | |||||
| Operating Cash Flow | 9,202 | 9,955 | 8,090 | 10,927 | 3,978 |
| Capital Expenditure | -766 | -4,207 | -1,656 | -1,819 | -1,038 |
| Free Cash Flow | 8,436 | 5,748 | 6,434 | 9,108 | 2,940 |