[COFS] QoQ Quarter Result on 31-Dec-2008 [#Q4]

Stock
[COFS] ChoiceOne Financial Services, Inc.
Announcement Date
31-Mar-2009
Financial Year
2008
Quarter
31-Dec-2008 [#Q4]
Profit Trend
QoQ- -207.68%
YoY- -165.64%
Quarter Report
COFS's Result
COFS's Financial Summary
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Quarter Result
30/09/09 30/06/09 31/03/09 31/12/08 30/09/08 30/06/08 31/03/08 CAGR
Revenue 5,416 5,507 5,274 4,316 5,090 4,977 5,031 5.03%
PBT 382 210 877 -1,229 694 854 909 -43.86%
Tax -27 -95 136 -570 82 131 150 -
NP 409 305 741 -659 612 723 759 -33.75%
Tax Rate 7.07% 45.24% -15.51% - -11.82% -15.34% -16.50% -
Total Cost 5,007 5,202 4,533 4,975 4,478 4,254 4,272 11.15%
Ratio Analysis
30/09/09 30/06/09 31/03/09 31/12/08 30/09/08 30/06/08 31/03/08 CAGR
NP Margin 7.55 5.54 14.05 -15.27 12.02 14.53 15.09 -36.94%
Per Share
30/09/09 30/06/09 31/03/09 31/12/08 30/09/08 30/06/08 31/03/08 CAGR
EPS 0.12 0.08 0.21 -0.18 0.17 0.21 0.21 -31.11%
EPS Diluted 0.12 0.08 0.21 -0.18 0.17 0.21 0.21 -31.11%

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.