[COFS] QoQ Quarter Result on 31-Dec-2005 [#Q4]

Stock
[COFS] ChoiceOne Financial Services, Inc.
Announcement Date
31-Mar-2006
Financial Year
2005
Quarter
31-Dec-2005 [#Q4]
Profit Trend
QoQ- -6.14%
YoY- 2.69%
Quarter Report
COFS's Result
COFS's Financial Summary
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Quarter Result
30/09/06 30/06/06 31/03/06 31/12/05 30/09/05 30/06/05 31/03/05 CAGR
Revenue 2,464 2,612 2,646 2,683 2,712 2,623 2,607 -3.68%
PBT 588 729 715 732 783 735 696 -10.62%
Tax 138 184 180 197 213 189 181 -16.52%
NP 450 545 535 535 570 546 515 -8.59%
Tax Rate -23.47% -25.24% -25.17% -26.91% -27.20% -25.71% -26.01% -
Total Cost 2,014 2,067 2,111 2,148 2,142 2,077 2,092 -2.49%
Ratio Analysis
30/09/06 30/06/06 31/03/06 31/12/05 30/09/05 30/06/05 31/03/05 CAGR
NP Margin 18.26 20.87 20.22 19.94 21.02 20.82 19.75 -5.09%
Per Share
30/09/06 30/06/06 31/03/06 31/12/05 30/09/05 30/06/05 31/03/05 CAGR
EPS 0.24 0.30 0.29 0.29 0.32 0.30 0.27 -7.54%
EPS Diluted 0.24 0.30 0.29 0.29 0.32 0.30 0.27 -7.54%

PBT = Profit before Tax, NP = Net Profit, NP Margin = Net Profit Margin, EPS = Earning Per Share, EPS Diluted = Earning Per Share Diluted.

NP Margin, QoQ ⃤ & YoY ⃤ figures in Percentage; EPS & EPS Diluted figures in Cent.

All figures in '000 unless specified.