Choiceone Financial
(COFS)
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Fiscal Year End Date: 12/31
| 09-2020 | 06-2020 | 03-2020 | 12-2019 | 09-2019 | |
| Cash Flows From Operating Activities | |||||
| Net Income | 11,513 | 7,684 | 3,254 | 7,171 | 4,144 |
| Depreciation Amortization | 5,403 | 3,407 | 1,281 | 3,127 | 1,726 |
| Other Working Capital | -39,779 | -16,684 | -8,153 | -2,163 | -612 |
| Loans | -34,083 | -8,982 | -4,501 | -3,108 | -1,061 |
| Other Operating Activity | 36,690 | 9,276 | 5,628 | 4,175 | 1,223 |
| Operating Cash Flow | $-20,256 | $-5,299 | $-2,491 | $9,202 | $5,420 |
| Cash Flows From Investing Activities | |||||
| Change In Deposits | -23,578 | -25,242 | -20,321 | 16,503 | 16,807 |
| PPE Investments | -1,552 | -928 | -412 | -766 | -457 |
| Net Acquisitions | N/A | N/A | N/A | 20,638 | N/A |
| Sale Of Investment | N/A | N/A | N/A | 463 | N/A |
| Net Loans | -108,485 | -105,154 | 1,776 | -485 | -7,871 |
| Other Investing Activity | 35,636 | 0 | 0 | -1 | 0 |
| Investing Cash Flow | $-97,979 | $-131,324 | $-18,957 | $36,352 | $8,479 |
| Cash Flows From Financing Activities | |||||
| Debt Issued | 10,000 | 10,000 | N/A | 106,400 | 85,000 |
| Debt Repayment | -33,028 | -33,019 | -10,010 | -110,035 | -94,826 |
| Common Stock Issued | 110 | 69 | 23 | 142 | 107 |
| Common Stock Repurchased | N/A | N/A | N/A | -67 | N/A |
| Dividend Paid | -4,459 | -2,900 | -1,449 | -5,815 | -4,356 |
| Other Financing Activity | 0 | 0 | 0 | -297 | 0 |
| Financing Cash Flow | $176,560 | $143,856 | $7,361 | $-5,686 | $-17,015 |
| Beginning Cash Position | 59,558 | 59,558 | 59,558 | 19,690 | 19,690 |
| End Cash Position | 117,883 | 66,791 | 45,471 | 59,558 | 16,574 |
| Net Cash Flow | $58,325 | $7,233 | $-14,087 | $39,868 | $-3,116 |
| Free Cash Flow | |||||
| Operating Cash Flow | -20,256 | -5,299 | -2,491 | 9,202 | 5,420 |
| Capital Expenditure | -1,552 | -928 | -412 | -766 | -457 |
| Free Cash Flow | -21,808 | -6,227 | -2,903 | 8,436 | 4,963 |