[COFS] QoQ Quarter Result on 30-Sep-2008 [#Q3]

Stock
[COFS] ChoiceOne Financial Services, Inc.
Announcement Date
13-Nov-2008
Financial Year
2008
Quarter
30-Sep-2008 [#Q3]
Profit Trend
QoQ- -15.35%
YoY- -9.20%
Quarter Report
COFS's Result
COFS's Financial Summary
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Quarter Result
30/06/09 31/03/09 31/12/08 30/09/08 30/06/08 31/03/08 31/12/07 CAGR
Revenue 5,507 5,274 4,316 5,090 4,977 5,031 5,827 -3.69%
PBT 210 877 -1,229 694 854 909 1,273 -69.95%
Tax -95 136 -570 82 131 150 269 -
NP 305 741 -659 612 723 759 1,004 -54.84%
Tax Rate 45.24% -15.51% - -11.82% -15.34% -16.50% -21.13% -
Total Cost 5,202 4,533 4,975 4,478 4,254 4,272 4,823 5.17%
Ratio Analysis
30/06/09 31/03/09 31/12/08 30/09/08 30/06/08 31/03/08 31/12/07 CAGR
NP Margin 5.54 14.05 -15.27 12.02 14.53 15.09 17.23 -53.09%
Per Share
30/06/09 31/03/09 31/12/08 30/09/08 30/06/08 31/03/08 31/12/07 CAGR
EPS 0.08 0.21 -0.18 0.17 0.21 0.21 0.29 -57.65%
EPS Diluted 0.08 0.21 -0.18 0.17 0.21 0.21 0.28 -56.65%

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.