[COFS] YoY Annual Result on 31-Dec-2005 [#FY]

Stock
[COFS] ChoiceOne Financial Services, Inc.
Announcement Date
31-Mar-2006
Financial Year
2005
Quarter
31-Dec-2005 [#FY]
Profit Trend
YoY- 16.83%
Quarter Report
COFS's Result
COFS's Financial Summary
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Annual Result
31/12/10 31/12/09 31/12/08 31/12/07 31/12/06 31/12/05 31/12/04 CAGR
Revenue 22,658 21,464 19,414 21,624 11,625 10,625 10,242 14.14%
PBT 3,365 1,283 1,228 4,519 2,727 2,946 2,549 4.73%
Tax 654 -195 -207 939 639 780 695 -1.00%
NP 2,711 1,478 1,435 3,580 2,088 2,166 1,854 6.53%
Tax Rate -19.44% 15.20% 16.86% -20.78% -23.43% -26.48% -27.27% -
Total Cost 19,947 19,986 17,979 18,044 9,537 8,459 8,388 15.52%
Ratio Analysis
31/12/10 31/12/09 31/12/08 31/12/07 31/12/06 31/12/05 31/12/04 CAGR
NP Margin 11.96 6.89 7.39 16.56 17.96 20.39 18.10 -6.66%
Per Share
31/12/10 31/12/09 31/12/08 31/12/07 31/12/06 31/12/05 31/12/04 CAGR
EPS 0.75 0.41 0.40 1.01 0.99 1.19 0.98 -4.35%
EPS Diluted 0.75 0.41 0.40 1.00 0.99 1.19 0.98 -4.35%

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.