Home > Bank of Kimberling City > Income and Expense
Bank of Kimberling City, Income and Expense
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $3,558,000 | 3,730 |
| Total interest expense | $884,000 | 3,986 |
| Net interest income | $2,674,000 | 3,579 |
| Provision for loan and lease losses | $65,000 | 4,191 |
| Total noninterest income | $578,000 | 3,259 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $406,000 | 2,120 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $172,000 | 4,044 |
| Total noninterest expense | $1,589,000 | 4,472 |
| Salaries and employee benefits | $921,000 | 4,239 |
| Premises and equipment expense | $101,000 | 6,751 |
| Additional noninterest expense | $567,000 | 3,914 |
| Pre-tax net operating income | $1,598,000 | 2,454 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $7,000 | 6,787 |
| Income before extraordinary items | $1,591,000 | 1,969 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,591,000 | 1,970 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 5,183 |
| Cash dividends | $504,000 | 2,109 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,591,000 | 1,916 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,769,000 | 3,755 |
| Total interest expense | $456,000 | 3,926 |
| Net interest income | $1,313,000 | 3,623 |
| Provision for loan and lease losses | $20,000 | 4,792 |
| Total noninterest income | $274,000 | 3,303 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $189,000 | 2,194 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $85,000 | 4,044 |
| Total noninterest expense | $810,000 | 4,430 |
| Salaries and employee benefits | $465,000 | 4,243 |
| Premises and equipment expense | $48,000 | 6,879 |
| Additional noninterest expense | $297,000 | 3,771 |
| Pre-tax net operating income | $757,000 | 2,539 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $7,000 | 6,445 |
| Income before extraordinary items | $750,000 | 2,048 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $750,000 | 2,048 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 3,876 |
| Cash dividends | $504,000 | 1,167 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $750,000 | 1,969 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $7,504,000 | 3,604 |
| Total interest expense | $2,230,000 | 3,665 |
| Net interest income | $5,274,000 | 3,548 |
| Provision for loan and lease losses | $114,000 | 5,128 |
| Total noninterest income | $1,125,000 | 3,446 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $763,000 | 2,197 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $362,000 | 4,157 |
| Total noninterest expense | $3,336,000 | 4,285 |
| Salaries and employee benefits | $1,943,000 | 4,021 |
| Premises and equipment expense | $313,000 | 5,544 |
| Additional noninterest expense | $1,080,000 | 4,031 |
| Pre-tax net operating income | $2,949,000 | 2,545 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $463,000 | 3,515 |
| Income before extraordinary items | $2,486,000 | 2,384 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $2,486,000 | 2,387 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $72,000 | 4,574 |
| Cash dividends | $1,008,000 | 2,281 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $2,486,000 | 2,278 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $5,677,000 | 3,633 |
| Total interest expense | $1,743,000 | 3,653 |
| Net interest income | $3,934,000 | 3,573 |
| Provision for loan and lease losses | $99,000 | 4,692 |
| Total noninterest income | $843,000 | 3,520 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $572,000 | 2,217 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $271,000 | 4,222 |
| Total noninterest expense | $2,487,000 | 4,288 |
| Salaries and employee benefits | $1,432,000 | 4,074 |
| Premises and equipment expense | $238,000 | 5,489 |
| Additional noninterest expense | $817,000 | 4,006 |
| Pre-tax net operating income | $2,191,000 | 2,654 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $463,000 | 3,163 |
| Income before extraordinary items | $1,728,000 | 2,649 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,728,000 | 2,648 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $60,000 | 3,971 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,728,000 | 2,511 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,786,000 | 3,661 |
| Total interest expense | $1,197,000 | 3,670 |
| Net interest income | $2,589,000 | 3,605 |
| Provision for loan and lease losses | $84,000 | 4,244 |
| Total noninterest income | $541,000 | 3,577 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $369,000 | 2,244 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $172,000 | 4,316 |
| Total noninterest expense | $1,668,000 | 4,265 |
| Salaries and employee benefits | $982,000 | 3,977 |
| Premises and equipment expense | $152,000 | 5,609 |
| Additional noninterest expense | $534,000 | 4,034 |
| Pre-tax net operating income | $1,378,000 | 2,779 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $463,000 | 2,433 |
| Income before extraordinary items | $915,000 | 3,170 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $915,000 | 3,169 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $54,000 | 3,310 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $915,000 | 3,002 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,889,000 | 3,693 |
| Total interest expense | $613,000 | 3,680 |
| Net interest income | $1,276,000 | 3,640 |
| Provision for loan and lease losses | $24,000 | 4,998 |
| Total noninterest income | $265,000 | 3,515 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $176,000 | 2,262 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $89,000 | 4,149 |
| Total noninterest expense | $843,000 | 4,207 |
| Salaries and employee benefits | $498,000 | 3,917 |
| Premises and equipment expense | $84,000 | 5,273 |
| Additional noninterest expense | $261,000 | 4,074 |
| Pre-tax net operating income | $674,000 | 2,815 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $463,000 | 1,464 |
| Income before extraordinary items | $211,000 | 5,189 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $211,000 | 5,188 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $56,000 | 2,069 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $211,000 | 5,000 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $8,224,000 | 3,568 |
| Total interest expense | $2,850,000 | 3,675 |
| Net interest income | $5,374,000 | 3,450 |
| Provision for loan and lease losses | $91,000 | 5,867 |
| Total noninterest income | $898,000 | 3,712 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $653,000 | 2,397 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $245,000 | 4,647 |
| Total noninterest expense | $3,245,000 | 4,194 |
| Salaries and employee benefits | $1,954,000 | 3,812 |
| Premises and equipment expense | $281,000 | 5,766 |
| Additional noninterest expense | $1,010,000 | 4,142 |
| Pre-tax net operating income | $2,936,000 | 2,547 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $1,127,000 | 2,018 |
| Income before extraordinary items | $1,809,000 | 3,019 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,809,000 | 3,018 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $162,000 | 3,367 |
| Cash dividends | $720,000 | 2,833 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,809,000 | 2,930 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $9,156,000 | 3,587 |
| Total interest expense | $4,311,000 | 3,579 |
| Net interest income | $4,845,000 | 3,527 |
| Provision for loan and lease losses | $44,000 | 6,848 |
| Total noninterest income | $803,000 | 3,842 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $555,000 | 2,606 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $248,000 | 4,504 |
| Total noninterest expense | $2,579,000 | 4,856 |
| Salaries and employee benefits | $1,420,000 | 4,703 |
| Premises and equipment expense | $352,000 | 5,011 |
| Additional noninterest expense | $807,000 | 4,750 |
| Pre-tax net operating income | $3,025,000 | 2,247 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $1,110,000 | 1,923 |
| Income before extraordinary items | $1,915,000 | 2,635 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,915,000 | 2,641 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 6,098 |
| Cash dividends | $792,000 | 2,660 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,915,000 | 2,555 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $9,023,000 | 3,717 |
| Total interest expense | $4,477,000 | 3,633 |
| Net interest income | $4,546,000 | 3,759 |
| Provision for loan and lease losses | $200,000 | 3,731 |
| Total noninterest income | $604,000 | 4,392 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $420,000 | 3,120 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $184,000 | 4,974 |
| Total noninterest expense | $2,278,000 | 5,199 |
| Salaries and employee benefits | $1,219,000 | 5,155 |
| Premises and equipment expense | $353,000 | 4,905 |
| Additional noninterest expense | $706,000 | 5,145 |
| Pre-tax net operating income | $2,672,000 | 2,620 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $975,000 | 2,172 |
| Income before extraordinary items | $1,697,000 | 2,938 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,697,000 | 2,936 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $62,000 | 4,408 |
| Cash dividends | $1,512,000 | 1,640 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,697,000 | 2,923 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $7,997,000 | 3,900 |
| Total interest expense | $3,779,000 | 3,770 |
| Net interest income | $4,218,000 | 3,990 |
| Provision for loan and lease losses | $120,000 | 4,720 |
| Total noninterest income | $398,000 | 5,634 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $262,000 | 4,399 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $136,000 | 5,845 |
| Total noninterest expense | $2,083,000 | 5,538 |
| Salaries and employee benefits | $1,062,000 | 5,658 |
| Premises and equipment expense | $367,000 | 4,808 |
| Additional noninterest expense | $654,000 | 5,503 |
| Pre-tax net operating income | $2,413,000 | 2,872 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $884,000 | 2,424 |
| Income before extraordinary items | $1,529,000 | 3,189 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,529,000 | 3,190 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 5,628 |
| Cash dividends | $1,404,000 | 1,770 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,529,000 | 3,152 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $6,983,000 | 4,403 |
| Total interest expense | $3,224,000 | 4,451 |
| Net interest income | $3,759,000 | 4,340 |
| Provision for loan and lease losses | $180,000 | 3,728 |
| Total noninterest income | $394,000 | 5,665 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $220,000 | 4,861 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $174,000 | 5,312 |
| Total noninterest expense | $1,858,000 | 5,865 |
| Salaries and employee benefits | $948,000 | 5,991 |
| Premises and equipment expense | $318,000 | 5,203 |
| Additional noninterest expense | $592,000 | 5,801 |
| Pre-tax net operating income | $2,115,000 | 3,193 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $770,000 | 2,822 |
| Income before extraordinary items | $1,345,000 | 3,568 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,345,000 | 3,568 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 7,842 |
| Cash dividends | $1,332,000 | 1,812 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,345,000 | 3,470 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $5,981,000 | 5,092 |
| Total interest expense | $2,613,000 | 5,243 |
| Net interest income | $3,368,000 | 4,865 |
| Provision for loan and lease losses | $75,000 | 5,767 |
| Total noninterest income | $294,000 | 6,705 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $194,000 | 5,433 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $100,000 | 6,788 |
| Total noninterest expense | $1,658,000 | 6,396 |
| Salaries and employee benefits | $848,000 | 6,547 |
| Premises and equipment expense | $274,000 | 5,744 |
| Additional noninterest expense | $536,000 | 6,224 |
| Pre-tax net operating income | $1,929,000 | 3,666 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $678,000 | 3,323 |
| Income before extraordinary items | $1,251,000 | 3,918 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,251,000 | 3,917 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 6,076 |
| Cash dividends | $540,000 | 3,311 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,251,000 | 3,848 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $5,235,000 | 5,739 |
| Total interest expense | $2,292,000 | 5,860 |
| Net interest income | $2,943,000 | 5,515 |
| Provision for loan and lease losses | $180,000 | 3,640 |
| Total noninterest income | $230,000 | 7,848 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $164,000 | 6,219 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $66,000 | 8,243 |
| Total noninterest expense | $1,612,000 | 6,812 |
| Salaries and employee benefits | $826,000 | 6,853 |
| Premises and equipment expense | $287,000 | 5,753 |
| Additional noninterest expense | $499,000 | 7,061 |
| Pre-tax net operating income | $1,381,000 | 4,624 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $496,000 | 4,178 |
| Income before extraordinary items | $885,000 | 4,939 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $885,000 | 4,940 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $56,000 | 5,074 |
| Cash dividends | $864,000 | 2,372 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $885,000 | 4,879 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $5,057,000 | 5,940 |
| Total interest expense | $2,394,000 | 5,749 |
| Net interest income | $2,663,000 | 6,020 |
| Provision for loan and lease losses | $57,000 | 5,968 |
| Total noninterest income | $247,000 | 7,741 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $167,000 | 6,314 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $80,000 | 7,955 |
| Total noninterest expense | $1,497,000 | 7,284 |
| Salaries and employee benefits | $771,000 | 7,262 |
| Premises and equipment expense | $246,000 | 6,416 |
| Additional noninterest expense | $480,000 | 7,424 |
| Pre-tax net operating income | $1,356,000 | 4,812 |
| Securities gains (losses) | $15,000 | 2,090 |
| Applicable income taxes | $451,000 | 4,521 |
| Income before extraordinary items | $920,000 | 4,902 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $920,000 | 4,901 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $75,000 | 4,361 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $909,950 | 4,938 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,240,000 | 6,431 |
| Total interest expense | $1,724,000 | 6,277 |
| Net interest income | $2,516,000 | 6,447 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $237,000 | 8,129 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $165,000 | 6,552 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $72,000 | 8,568 |
| Total noninterest expense | $1,325,000 | 8,156 |
| Salaries and employee benefits | $668,000 | 8,130 |
| Premises and equipment expense | $159,000 | 8,320 |
| Additional noninterest expense | $498,000 | 7,867 |
| Pre-tax net operating income | $1,428,000 | 4,598 |
| Securities gains (losses) | $-21,000 | 10,372 |
| Applicable income taxes | $447,000 | 4,415 |
| Income before extraordinary items | $960,000 | 4,670 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $960,000 | 4,669 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 8,066 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $974,280 | 4,665 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,159,000 | 6,682 |
| Total interest expense | $1,663,000 | 6,706 |
| Net interest income | $2,496,000 | 6,553 |
| Provision for loan and lease losses | $40,000 | 7,927 |
| Total noninterest income | $390,000 | 6,595 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $135,000 | 7,460 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $255,000 | 4,957 |
| Total noninterest expense | $1,335,000 | 8,389 |
| Salaries and employee benefits | $601,000 | 8,798 |
| Premises and equipment expense | $180,000 | 8,142 |
| Additional noninterest expense | $554,000 | 7,731 |
| Pre-tax net operating income | $1,511,000 | 4,296 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $500,000 | 4,189 |
| Income before extraordinary items | $1,011,000 | 4,661 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,011,000 | 4,795 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 11,050 |
| Cash dividends | $180,000 | 5,679 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,011,000 | 4,427 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,432,000 | 6,976 |
| Total interest expense | $1,964,000 | 7,186 |
| Net interest income | $2,468,000 | 6,664 |
| Provision for loan and lease losses | $120,000 | 6,707 |
| Total noninterest income | $191,000 | 9,589 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $126,000 | 7,791 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $65,000 | 9,539 |
| Total noninterest expense | $1,159,000 | 9,242 |
| Salaries and employee benefits | $551,000 | 9,267 |
| Premises and equipment expense | $175,000 | 8,439 |
| Additional noninterest expense | $433,000 | 9,168 |
| Pre-tax net operating income | $1,380,000 | 4,373 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $456,000 | 4,314 |
| Income before extraordinary items | $924,000 | 4,835 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $924,000 | 4,885 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $89,000 | 6,201 |
| Cash dividends | $613,000 | 2,361 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $924,000 | 4,504 |
* The data above is accumulated from the beginning of the year to the date posted. The data for Dec. 31 is the number for the entire year.