Company: COFS
Filing Date: 2025-03-11
Form Type: 10-K
Source: 0000950170-25-036839
Chunk: 18

Company: CHOICEONE FINANCIAL SERVICES INC
Filing Date: 2025-03-11
Form: 10-K
Item: Item 15
Chunk 18
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(a)
    (1)
    Financial Statements. The following financial statements and independent auditors' reports are filed as part of this report:

    Consolidated Balance Sheets at December 31, 2024 and 2023.

    Consolidated Statements of Income for the years ended December 31, 2024, 2023, and 2022.

    Consolidated Statement of Comprehensive Income for the years ended December 31, 2024, 2023, and 2022.

    Consolidated Statements of Changes in Shareholders' Equity for the years ended December 31, 2024, 2023, and 2022.

    Consolidated Statements of Cash Flows for the years ended December 31, 2024, 2023, and 2022.

    Notes to Consolidated Financial Statements.

    Report of Independent Registered Public Accounting Firm dated March 11, 2025.

    (2)
    Financial Statement Schedules. None.

    Exhibit
    Document

    3.1
    Restated Articles of Incorporation of ChoiceOne Financial Services, Inc. 

    3.2
    Bylaws of ChoiceOne Financial Services, Inc., as currently in effect and any amendments thereto. Previously filed as an exhibit to ChoiceOne Financial Services, Inc.'s Form 8-K filed April 21, 2021. Here incorporated by reference.

    4.1
    Advances, Pledge and Security Agreement between ChoiceOne Bank and the Federal Home Loan Bank of Indianapolis. Previously filed as an exhibit to ChoiceOne Financial Services, Inc.’s Form 10-K Annual Report for the year ended December 31, 2013.  Here incorporated by reference.

    4.2
    Form of 3.25% Fixed-to-Floating Rate Subordinated Note due September 3, 2031.  Previously filed as an exhibit to ChoiceOne Financial Services, Inc.'s Form 8-K filed September 7, 2021. Here incorporated by reference.

    4.3
    Form of 3.25% Fixed-to-Floating Rate Global Subordinated Note due September 3, 2031.  Previously filed as an exhibit to ChoiceOne Financial Services, Inc.'s Form 8-K filed September 7, 2021. Here incorporated by reference.

    4.4
    Description of Rights of Shareholders. Previously filed as an exhibit to ChoiceOne’s Form 10-K Annual Report for the year