Home > Community Banks of the Rockies > Income and Expense
Community Banks of the Rockies, Income and Expense
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $4,867,000 | 2,855 |
| Total interest expense | $968,000 | 3,701 |
| Net interest income | $3,899,000 | 2,549 |
| Provision for loan and lease losses | $-57,000 | 8,939 |
| Total noninterest income | $968,000 | 2,246 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $343,000 | 2,439 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $625,000 | 1,869 |
| Total noninterest expense | $3,091,000 | 2,551 |
| Salaries and employee benefits | $1,704,000 | 2,519 |
| Premises and equipment expense | $597,000 | 1,916 |
| Additional noninterest expense | $790,000 | 2,967 |
| Pre-tax net operating income | $1,833,000 | 2,200 |
| Securities gains (losses) | $35,000 | 1,694 |
| Applicable income taxes | $661,000 | 1,786 |
| Income before extraordinary items | $1,207,000 | 2,510 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,207,000 | 2,511 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 5,291 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,184,250 | 2,491 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,454,000 | 2,846 |
| Total interest expense | $483,000 | 3,741 |
| Net interest income | $1,971,000 | 2,526 |
| Provision for loan and lease losses | $7,000 | 5,890 |
| Total noninterest income | $479,000 | 2,222 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $159,000 | 2,549 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $320,000 | 1,805 |
| Total noninterest expense | $1,508,000 | 2,613 |
| Salaries and employee benefits | $830,000 | 2,600 |
| Premises and equipment expense | $300,000 | 1,937 |
| Additional noninterest expense | $378,000 | 3,057 |
| Pre-tax net operating income | $935,000 | 2,132 |
| Securities gains (losses) | $35,000 | 1,403 |
| Applicable income taxes | $342,000 | 1,755 |
| Income before extraordinary items | $628,000 | 2,388 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $628,000 | 2,389 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,358 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $605,250 | 2,396 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $10,644,000 | 2,659 |
| Total interest expense | $2,667,000 | 3,181 |
| Net interest income | $7,977,000 | 2,435 |
| Provision for loan and lease losses | $344,000 | 2,892 |
| Total noninterest income | $1,626,000 | 2,663 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $697,000 | 2,364 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $929,000 | 2,499 |
| Total noninterest expense | $6,213,000 | 2,520 |
| Salaries and employee benefits | $3,361,000 | 2,500 |
| Premises and equipment expense | $1,126,000 | 2,026 |
| Additional noninterest expense | $1,726,000 | 2,721 |
| Pre-tax net operating income | $3,046,000 | 2,469 |
| Securities gains (losses) | $88,000 | 2,003 |
| Applicable income taxes | $1,103,000 | 2,054 |
| Income before extraordinary items | $2,031,000 | 2,830 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $2,031,000 | 2,831 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $99,000 | 4,070 |
| Cash dividends | $3,000,000 | 993 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,973,800 | 2,767 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $8,097,000 | 2,661 |
| Total interest expense | $2,086,000 | 3,180 |
| Net interest income | $6,011,000 | 2,441 |
| Provision for loan and lease losses | $323,000 | 2,374 |
| Total noninterest income | $1,233,000 | 2,721 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $527,000 | 2,358 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $706,000 | 2,547 |
| Total noninterest expense | $4,636,000 | 2,539 |
| Salaries and employee benefits | $2,521,000 | 2,500 |
| Premises and equipment expense | $833,000 | 2,064 |
| Additional noninterest expense | $1,282,000 | 2,732 |
| Pre-tax net operating income | $2,285,000 | 2,567 |
| Securities gains (losses) | $88,000 | 1,858 |
| Applicable income taxes | $835,000 | 2,142 |
| Income before extraordinary items | $1,538,000 | 2,909 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,538,000 | 2,909 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $62,000 | 3,923 |
| Cash dividends | $3,000,000 | 723 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,480,800 | 2,851 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $5,369,000 | 2,703 |
| Total interest expense | $1,450,000 | 3,151 |
| Net interest income | $3,919,000 | 2,480 |
| Provision for loan and lease losses | $118,000 | 3,606 |
| Total noninterest income | $806,000 | 2,747 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $355,000 | 2,313 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $451,000 | 2,605 |
| Total noninterest expense | $3,020,000 | 2,580 |
| Salaries and employee benefits | $1,646,000 | 2,550 |
| Premises and equipment expense | $557,000 | 2,056 |
| Additional noninterest expense | $817,000 | 2,827 |
| Pre-tax net operating income | $1,587,000 | 2,477 |
| Securities gains (losses) | $88,000 | 1,602 |
| Applicable income taxes | $592,000 | 2,068 |
| Income before extraordinary items | $1,083,000 | 2,806 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,083,000 | 2,805 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $62,000 | 3,132 |
| Cash dividends | $3,000,000 | 508 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,025,800 | 2,768 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,781,000 | 2,644 |
| Total interest expense | $762,000 | 3,073 |
| Net interest income | $2,019,000 | 2,403 |
| Provision for loan and lease losses | $40,000 | 4,103 |
| Total noninterest income | $437,000 | 2,521 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $191,000 | 2,097 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $246,000 | 2,384 |
| Total noninterest expense | $1,471,000 | 2,635 |
| Salaries and employee benefits | $818,000 | 2,562 |
| Premises and equipment expense | $277,000 | 2,058 |
| Additional noninterest expense | $376,000 | 3,009 |
| Pre-tax net operating income | $945,000 | 2,145 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $343,000 | 1,851 |
| Income before extraordinary items | $602,000 | 2,540 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $602,000 | 2,537 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 3,119 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $602,000 | 2,401 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $11,270,000 | 2,704 |
| Total interest expense | $3,243,000 | 3,312 |
| Net interest income | $8,027,000 | 2,391 |
| Provision for loan and lease losses | $-200,000 | 9,300 |
| Total noninterest income | $1,477,000 | 2,642 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $714,000 | 2,223 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $763,000 | 2,573 |
| Total noninterest expense | $5,635,000 | 2,622 |
| Salaries and employee benefits | $2,874,000 | 2,744 |
| Premises and equipment expense | $1,111,000 | 1,984 |
| Additional noninterest expense | $1,650,000 | 2,736 |
| Pre-tax net operating income | $4,069,000 | 1,964 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $1,453,000 | 1,697 |
| Income before extraordinary items | $2,616,000 | 2,266 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $2,616,000 | 2,266 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-17,000 | 8,932 |
| Cash dividends | $400,000 | 3,806 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $2,616,000 | 2,196 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $11,936,000 | 2,846 |
| Total interest expense | $4,459,000 | 3,484 |
| Net interest income | $7,477,000 | 2,399 |
| Provision for loan and lease losses | $238,000 | 3,783 |
| Total noninterest income | $1,497,000 | 2,512 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $808,000 | 1,887 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $689,000 | 2,601 |
| Total noninterest expense | $5,751,000 | 2,468 |
| Salaries and employee benefits | $2,775,000 | 2,689 |
| Premises and equipment expense | $1,141,000 | 1,875 |
| Additional noninterest expense | $1,835,000 | 2,428 |
| Pre-tax net operating income | $2,985,000 | 2,275 |
| Securities gains (losses) | $-1,000 | 9,012 |
| Applicable income taxes | $952,000 | 2,149 |
| Income before extraordinary items | $2,032,000 | 2,491 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $2,032,000 | 2,497 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $184,000 | 3,012 |
| Cash dividends | $4,337,000 | 690 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $2,032,680 | 2,410 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $6,770,000 | 4,709 |
| Total interest expense | $2,537,000 | 5,506 |
| Net interest income | $4,233,000 | 3,992 |
| Provision for loan and lease losses | $140,000 | 4,540 |
| Total noninterest income | $2,204,000 | 1,746 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $627,000 | 2,196 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,577,000 | 1,337 |
| Total noninterest expense | $3,478,000 | 3,723 |
| Salaries and employee benefits | $1,311,000 | 4,876 |
| Premises and equipment expense | $437,000 | 4,222 |
| Additional noninterest expense | $1,730,000 | 2,486 |
| Pre-tax net operating income | $2,819,000 | 2,511 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $745,000 | 2,653 |
| Income before extraordinary items | $2,074,000 | 2,474 |
| Extraordinary gains, net | $-893,000 | 9,897 |
| Net income | $1,181,000 | 3,903 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $143,000 | 2,946 |
| Cash dividends | $1,009,000 | 2,239 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $2,074,000 | 2,477 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $4,147,000 | 6,235 |
| Total interest expense | $1,170,000 | 7,724 |
| Net interest income | $2,977,000 | 5,189 |
| Provision for loan and lease losses | $50,000 | 6,505 |
| Total noninterest income | $538,000 | 4,746 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $420,000 | 3,089 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $118,000 | 6,224 |
| Total noninterest expense | $1,991,000 | 5,700 |
| Salaries and employee benefits | $1,072,000 | 5,619 |
| Premises and equipment expense | $282,000 | 5,655 |
| Additional noninterest expense | $637,000 | 5,600 |
| Pre-tax net operating income | $1,474,000 | 4,149 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $569,000 | 3,338 |
| Income before extraordinary items | $905,000 | 4,732 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $905,000 | 4,731 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $41,000 | 5,166 |
| Cash dividends | $712,000 | 2,873 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $905,000 | 4,689 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $4,148,000 | 6,353 |
| Total interest expense | $1,280,000 | 7,725 |
| Net interest income | $2,868,000 | 5,303 |
| Provision for loan and lease losses | $131,000 | 4,450 |
| Total noninterest income | $548,000 | 4,671 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $424,000 | 2,973 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $124,000 | 6,121 |
| Total noninterest expense | $1,912,000 | 5,772 |
| Salaries and employee benefits | $955,000 | 5,965 |
| Premises and equipment expense | $295,000 | 5,428 |
| Additional noninterest expense | $662,000 | 5,380 |
| Pre-tax net operating income | $1,373,000 | 4,454 |
| Securities gains (losses) | $26,000 | 2,229 |
| Applicable income taxes | $500,000 | 3,834 |
| Income before extraordinary items | $899,000 | 4,830 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $899,000 | 4,829 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $83,000 | 3,991 |
| Cash dividends | $1,209,000 | 1,928 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $882,360 | 4,803 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,646,000 | 8,193 |
| Total interest expense | $832,000 | 9,157 |
| Net interest income | $1,814,000 | 7,288 |
| Provision for loan and lease losses | $40,000 | 7,002 |
| Total noninterest income | $373,000 | 5,957 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $289,000 | 4,189 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $84,000 | 7,257 |
| Total noninterest expense | $1,289,000 | 7,376 |
| Salaries and employee benefits | $686,000 | 7,397 |
| Premises and equipment expense | $208,000 | 6,702 |
| Additional noninterest expense | $395,000 | 7,397 |
| Pre-tax net operating income | $858,000 | 6,294 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $357,000 | 5,238 |
| Income before extraordinary items | $501,000 | 6,968 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $501,000 | 6,971 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $70,000 | 4,510 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $501,000 | 6,898 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,792,000 | 7,061 |
| Total interest expense | $1,044,000 | 8,870 |
| Net interest income | $2,748,000 | 5,805 |
| Provision for loan and lease losses | $50,000 | 6,559 |
| Total noninterest income | $512,000 | 5,075 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $395,000 | 3,370 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $117,000 | 6,675 |
| Total noninterest expense | $1,921,000 | 6,109 |
| Salaries and employee benefits | $1,006,000 | 5,956 |
| Premises and equipment expense | $294,000 | 5,670 |
| Additional noninterest expense | $621,000 | 6,226 |
| Pre-tax net operating income | $1,289,000 | 4,851 |
| Securities gains (losses) | $-1,000 | 9,274 |
| Applicable income taxes | $467,000 | 4,376 |
| Income before extraordinary items | $821,000 | 5,214 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $821,000 | 5,214 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-14,000 | 10,529 |
| Cash dividends | $300,000 | 4,471 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $821,640 | 5,150 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,638,000 | 7,381 |
| Total interest expense | $1,081,000 | 8,959 |
| Net interest income | $2,557,000 | 6,211 |
| Provision for loan and lease losses | $277,000 | 2,396 |
| Total noninterest income | $502,000 | 5,169 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $380,000 | 3,520 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $122,000 | 6,598 |
| Total noninterest expense | $1,734,000 | 6,643 |
| Salaries and employee benefits | $909,000 | 6,520 |
| Premises and equipment expense | $266,000 | 6,114 |
| Additional noninterest expense | $559,000 | 6,784 |
| Pre-tax net operating income | $1,048,000 | 5,803 |
| Securities gains (losses) | $-14,000 | 10,322 |
| Applicable income taxes | $379,000 | 5,136 |
| Income before extraordinary items | $655,000 | 6,266 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $655,000 | 6,263 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $254,000 | 2,165 |
| Cash dividends | $240,000 | 5,079 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $663,960 | 6,197 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,020,000 | 8,001 |
| Total interest expense | $725,000 | 9,959 |
| Net interest income | $2,295,000 | 6,869 |
| Provision for loan and lease losses | $250,000 | 2,585 |
| Total noninterest income | $468,000 | 5,529 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $331,000 | 4,019 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $137,000 | 6,499 |
| Total noninterest expense | $1,646,000 | 7,145 |
| Salaries and employee benefits | $819,000 | 7,089 |
| Premises and equipment expense | $212,000 | 7,183 |
| Additional noninterest expense | $615,000 | 6,926 |
| Pre-tax net operating income | $867,000 | 6,554 |
| Securities gains (losses) | $-35,000 | 10,774 |
| Applicable income taxes | $284,000 | 6,074 |
| Income before extraordinary items | $548,000 | 6,923 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $548,000 | 6,936 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $268,000 | 2,065 |
| Cash dividends | $320,000 | 4,289 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $571,100 | 6,806 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,947,000 | 8,428 |
| Total interest expense | $684,000 | 10,684 |
| Net interest income | $2,263,000 | 7,007 |
| Provision for loan and lease losses | $50,000 | 7,415 |
| Total noninterest income | $396,000 | 6,520 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $306,000 | 4,349 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $90,000 | 8,232 |
| Total noninterest expense | $1,582,000 | 7,553 |
| Salaries and employee benefits | $813,000 | 7,246 |
| Premises and equipment expense | $195,000 | 7,784 |
| Additional noninterest expense | $574,000 | 7,564 |
| Pre-tax net operating income | $1,027,000 | 5,793 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $345,000 | 5,559 |
| Income before extraordinary items | $682,000 | 6,227 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $682,000 | 6,397 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 7,654 |
| Cash dividends | $320,000 | 4,213 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $682,000 | 5,970 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,706,000 | 9,525 |
| Total interest expense | $828,000 | 11,198 |
| Net interest income | $1,878,000 | 8,111 |
| Provision for loan and lease losses | $25,000 | 10,242 |
| Total noninterest income | $381,000 | 6,724 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $246,000 | 5,195 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $135,000 | 7,019 |
| Total noninterest expense | $1,412,000 | 8,236 |
| Salaries and employee benefits | $746,000 | 7,642 |
| Premises and equipment expense | $167,000 | 8,636 |
| Additional noninterest expense | $499,000 | 8,472 |
| Pre-tax net operating income | $822,000 | 6,465 |
| Securities gains (losses) | $68,000 | 3,635 |
| Applicable income taxes | $351,000 | 5,341 |
| Income before extraordinary items | $539,000 | 7,009 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $539,000 | 7,100 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 8,449 |
| Cash dividends | $320,000 | 3,843 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $495,480 | 6,988 |
* 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.