[COFS] QoQ Quarter Result on 31-Dec-2012 [#Q4]

Stock
[COFS] ChoiceOne Financial Services, Inc.
Announcement Date
29-Mar-2013
Financial Year
2012
Quarter
31-Dec-2012 [#Q4]
Profit Trend
QoQ- -1.60%
YoY- 8.34%
Quarter Report
COFS's Result
COFS's Financial Summary
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Quarter Result
30/09/13 30/06/13 31/03/13 31/12/12 30/09/12 30/06/12 31/03/12 CAGR
Revenue 5,715 6,141 6,123 6,289 6,160 6,003 6,112 -4.37%
PBT 1,587 1,799 1,661 1,498 1,493 1,342 1,272 15.87%
Tax 386 487 426 394 371 321 257 31.11%
NP 1,201 1,312 1,235 1,104 1,122 1,021 1,015 11.85%
Tax Rate -24.32% -27.07% -25.65% -26.30% -24.85% -23.92% -20.20% -
Total Cost 4,514 4,829 4,888 5,185 5,038 4,982 5,097 -7.77%
Ratio Analysis
30/09/13 30/06/13 31/03/13 31/12/12 30/09/12 30/06/12 31/03/12 CAGR
NP Margin 21.01 21.36 20.17 17.55 18.21 17.01 16.61 16.94%
Per Share
30/09/13 30/06/13 31/03/13 31/12/12 30/09/12 30/06/12 31/03/12 CAGR
EPS 0.34 0.36 0.34 0.30 0.31 0.28 0.28 13.80%
EPS Diluted 0.34 0.36 0.34 0.30 0.31 0.28 0.28 13.80%

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.