[COFS] YoY Annual Result on 31-Dec-2012 [#FY]

Stock
[COFS] ChoiceOne Financial Services, Inc.
Announcement Date
29-Mar-2013
Financial Year
2012
Quarter
31-Dec-2012 [#FY]
Profit Trend
YoY- 21.32%
Quarter Report
COFS's Result
COFS's Financial Summary
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Annual Result
31/12/15 31/12/14 31/12/13 31/12/12 31/12/11 31/12/10 31/12/09 CAGR
Revenue 26,064 24,665 23,998 24,564 24,061 22,658 21,464 3.28%
PBT 7,688 7,771 6,877 5,605 4,573 3,365 1,283 34.75%
Tax 1,945 2,076 1,783 1,343 1,060 654 -195 -
NP 5,743 5,695 5,094 4,262 3,513 2,711 1,478 25.37%
Tax Rate -25.30% -26.71% -25.93% -23.96% -23.18% -19.44% 15.20% -
Total Cost 20,321 18,970 18,904 20,302 20,548 19,947 19,986 0.27%
Ratio Analysis
31/12/15 31/12/14 31/12/13 31/12/12 31/12/11 31/12/10 31/12/09 CAGR
NP Margin 22.03 23.09 21.23 17.35 14.60 11.96 6.89 21.36%
Per Share
31/12/15 31/12/14 31/12/13 31/12/12 31/12/11 31/12/10 31/12/09 CAGR
EPS 1.58 1.57 1.41 1.17 0.97 0.75 0.41 25.19%
EPS Diluted 1.58 1.56 1.40 1.17 0.97 0.75 0.41 25.19%

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.