Choiceone Financial
(COFS)
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Fiscal Year End Date: 12/31
(Values in U.S. thousands)
| 12-2014 | 12-2013 | |
| Cash Flows From Operating Activities | ||
| Net Income | 5,695 | 5,094 |
| Depreciation Amortization | 2,479 | 2,563 |
| Other Working Capital | -1,167 | 413 |
| Loans | -1,312 | 732 |
| Other Operating Activity | 1,778 | 1,562 |
| Operating Cash Flow | $7,473 | $10,364 |
| Cash Flows From Investing Activities | ||
| Change In Deposits | -5,577 | -5,825 |
| PPE Investments | -786 | -801 |
| Net Loans | -31,370 | -6,812 |
| Other Investing Activity | -935 | 0 |
| Investing Cash Flow | $-38,668 | $-13,438 |
| Cash Flows From Financing Activities | ||
| Debt Issued | 87,700 | 7,000 |
| Debt Repayment | -75,019 | 5,433 |
| Common Stock Issued | 132 | 130 |
| Common Stock Repurchased | -203 | -192 |
| Dividend Paid | -1,945 | -1,780 |
| Financing Cash Flow | $27,366 | $4,519 |
| Beginning Cash Position | 20,479 | 19,034 |
| End Cash Position | 16,650 | 20,479 |
| Net Cash Flow | $-3,829 | $1,445 |
| Free Cash Flow | ||
| Operating Cash Flow | 7,473 | 10,364 |
| Capital Expenditure | -786 | -801 |
| Free Cash Flow | 6,687 | 9,563 |