[COFS] YoY Annual Result on 31-Dec-2014 [#FY]

Stock
[COFS] ChoiceOne Financial Services, Inc.
Announcement Date
13-Mar-2015
Financial Year
2014
Quarter
31-Dec-2014 [#FY]
Profit Trend
YoY- 11.80%
Quarter Report
COFS's Result
COFS's Financial Summary
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Annual Result
31/12/17 31/12/16 31/12/15 31/12/14 31/12/13 31/12/12 31/12/11 CAGR
Revenue 27,466 27,224 26,064 24,665 23,998 24,564 24,061 2.22%
PBT 8,555 8,251 7,688 7,771 6,877 5,605 4,573 10.99%
Tax 2,387 2,161 1,945 2,076 1,783 1,343 1,060 14.47%
NP 6,168 6,090 5,743 5,695 5,094 4,262 3,513 9.82%
Tax Rate -27.90% -26.19% -25.30% -26.71% -25.93% -23.96% -23.18% -
Total Cost 21,298 21,134 20,321 18,970 18,904 20,302 20,548 0.59%
Ratio Analysis
31/12/17 31/12/16 31/12/15 31/12/14 31/12/13 31/12/12 31/12/11 CAGR
NP Margin 22.46 22.37 22.03 23.09 21.23 17.35 14.60 7.43%
Per Share
31/12/17 31/12/16 31/12/15 31/12/14 31/12/13 31/12/12 31/12/11 CAGR
EPS 1.70 1.68 1.58 1.57 1.41 1.17 0.97 9.79%
EPS Diluted 1.70 1.68 1.58 1.56 1.40 1.17 0.97 9.79%

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.