Home > First Northwest Bank > Income and Expense
First Northwest Bank, Income and Expense
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $3,366,000 | 2,293 |
| Total interest expense | $1,194,000 | 1,975 |
| Net interest income | $2,172,000 | 2,456 |
| Provision for loan and lease losses | $147,000 | 1,505 |
| Total noninterest income | $181,000 | 4,235 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $121,000 | 3,015 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $60,000 | 4,776 |
| Total noninterest expense | $1,299,000 | 3,095 |
| Salaries and employee benefits | $740,000 | 2,964 |
| Premises and equipment expense | $221,000 | 2,633 |
| Additional noninterest expense | $338,000 | 3,459 |
| Pre-tax net operating income | $907,000 | 2,338 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $67,000 | 4,351 |
| Income before extraordinary items | $840,000 | 2,001 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $840,000 | 2,002 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $797,000 | 259 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $840,000 | 1,964 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $12,193,000 | 2,361 |
| Total interest expense | $3,686,000 | 2,193 |
| Net interest income | $8,507,000 | 2,402 |
| Provision for loan and lease losses | $195,000 | 3,736 |
| Total noninterest income | $891,000 | 3,805 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $580,000 | 2,781 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $311,000 | 4,199 |
| Total noninterest expense | $5,170,000 | 3,016 |
| Salaries and employee benefits | $2,888,000 | 2,932 |
| Premises and equipment expense | $822,000 | 2,721 |
| Additional noninterest expense | $1,460,000 | 3,194 |
| Pre-tax net operating income | $4,033,000 | 2,048 |
| Securities gains (losses) | $-28,000 | 8,472 |
| Applicable income taxes | $1,396,000 | 1,692 |
| Income before extraordinary items | $2,609,000 | 2,337 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $2,609,000 | 2,339 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $86,000 | 3,862 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $2,627,200 | 2,272 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $8,798,000 | 2,420 |
| Total interest expense | $2,564,000 | 2,298 |
| Net interest income | $6,234,000 | 2,427 |
| Provision for loan and lease losses | $170,000 | 3,327 |
| Total noninterest income | $693,000 | 3,761 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $437,000 | 2,785 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $256,000 | 4,020 |
| Total noninterest expense | $3,911,000 | 2,970 |
| Salaries and employee benefits | $2,153,000 | 2,933 |
| Premises and equipment expense | $645,000 | 2,612 |
| Additional noninterest expense | $1,113,000 | 3,129 |
| Pre-tax net operating income | $2,846,000 | 2,159 |
| Securities gains (losses) | $-28,000 | 8,721 |
| Applicable income taxes | $980,000 | 1,809 |
| Income before extraordinary items | $1,838,000 | 2,514 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,838,000 | 2,517 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 5,478 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,856,200 | 2,424 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $5,593,000 | 2,502 |
| Total interest expense | $1,555,000 | 2,496 |
| Net interest income | $4,038,000 | 2,472 |
| Provision for loan and lease losses | $160,000 | 2,593 |
| Total noninterest income | $446,000 | 3,838 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $277,000 | 2,894 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $169,000 | 4,080 |
| Total noninterest expense | $2,646,000 | 2,938 |
| Salaries and employee benefits | $1,437,000 | 2,950 |
| Premises and equipment expense | $449,000 | 2,509 |
| Additional noninterest expense | $760,000 | 3,084 |
| Pre-tax net operating income | $1,678,000 | 2,361 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $579,000 | 1,987 |
| Income before extraordinary items | $1,099,000 | 2,717 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,099,000 | 2,718 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 4,897 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,099,000 | 2,642 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,801,000 | 2,498 |
| Total interest expense | $774,000 | 2,526 |
| Net interest income | $2,027,000 | 2,464 |
| Provision for loan and lease losses | $119,000 | 1,882 |
| Total noninterest income | $218,000 | 3,853 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $137,000 | 2,859 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $81,000 | 4,156 |
| Total noninterest expense | $1,329,000 | 2,925 |
| Salaries and employee benefits | $721,000 | 2,944 |
| Premises and equipment expense | $241,000 | 2,392 |
| Additional noninterest expense | $367,000 | 3,156 |
| Pre-tax net operating income | $797,000 | 2,440 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $276,000 | 2,049 |
| Income before extraordinary items | $521,000 | 2,845 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $521,000 | 2,845 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,968 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $521,000 | 2,744 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $11,186,000 | 2,549 |
| Total interest expense | $4,180,000 | 2,127 |
| Net interest income | $7,006,000 | 2,747 |
| Provision for loan and lease losses | $411,000 | 2,539 |
| Total noninterest income | $912,000 | 3,916 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $547,000 | 2,890 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $365,000 | 4,140 |
| Total noninterest expense | $5,057,000 | 3,022 |
| Salaries and employee benefits | $2,714,000 | 3,039 |
| Premises and equipment expense | $888,000 | 2,518 |
| Additional noninterest expense | $1,455,000 | 3,170 |
| Pre-tax net operating income | $2,450,000 | 2,932 |
| Securities gains (losses) | $6,000 | 3,841 |
| Applicable income taxes | $855,000 | 2,416 |
| Income before extraordinary items | $1,601,000 | 3,409 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,601,000 | 3,408 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 5,630 |
| Cash dividends | $260,000 | 4,580 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,597,100 | 3,245 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $8,465,000 | 2,563 |
| Total interest expense | $3,355,000 | 2,072 |
| Net interest income | $5,110,000 | 2,839 |
| Provision for loan and lease losses | $371,000 | 2,146 |
| Total noninterest income | $713,000 | 3,899 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $409,000 | 2,906 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $304,000 | 4,018 |
| Total noninterest expense | $3,766,000 | 3,038 |
| Salaries and employee benefits | $2,020,000 | 3,067 |
| Premises and equipment expense | $661,000 | 2,546 |
| Additional noninterest expense | $1,085,000 | 3,171 |
| Pre-tax net operating income | $1,686,000 | 3,231 |
| Securities gains (losses) | $6,000 | 3,549 |
| Applicable income taxes | $588,000 | 2,709 |
| Income before extraordinary items | $1,104,000 | 3,726 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,104,000 | 3,726 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-25,000 | 8,773 |
| Cash dividends | $260,000 | 3,673 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,100,100 | 3,562 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $5,631,000 | 2,593 |
| Total interest expense | $2,392,000 | 2,003 |
| Net interest income | $3,239,000 | 2,961 |
| Provision for loan and lease losses | $267,000 | 2,039 |
| Total noninterest income | $455,000 | 3,954 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $257,000 | 2,999 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $198,000 | 4,063 |
| Total noninterest expense | $2,524,000 | 3,023 |
| Salaries and employee benefits | $1,346,000 | 3,061 |
| Premises and equipment expense | $449,000 | 2,486 |
| Additional noninterest expense | $729,000 | 3,124 |
| Pre-tax net operating income | $903,000 | 3,750 |
| Securities gains (losses) | $6,000 | 3,151 |
| Applicable income taxes | $311,000 | 3,180 |
| Income before extraordinary items | $598,000 | 4,309 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $598,000 | 4,308 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-40,000 | 8,945 |
| Cash dividends | $190,000 | 3,579 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $594,040 | 4,119 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,839,000 | 2,587 |
| Total interest expense | $1,227,000 | 2,005 |
| Net interest income | $1,612,000 | 2,969 |
| Provision for loan and lease losses | $132,000 | 1,943 |
| Total noninterest income | $213,000 | 4,006 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $117,000 | 3,150 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $96,000 | 4,002 |
| Total noninterest expense | $1,251,000 | 3,031 |
| Salaries and employee benefits | $673,000 | 3,053 |
| Premises and equipment expense | $224,000 | 2,493 |
| Additional noninterest expense | $354,000 | 3,166 |
| Pre-tax net operating income | $442,000 | 3,800 |
| Securities gains (losses) | $3,000 | 2,514 |
| Applicable income taxes | $152,000 | 3,201 |
| Income before extraordinary items | $293,000 | 4,308 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $293,000 | 4,306 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 3,852 |
| Cash dividends | $120,000 | 2,744 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $291,020 | 4,139 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $11,532,000 | 2,645 |
| Total interest expense | $5,061,000 | 2,219 |
| Net interest income | $6,471,000 | 2,946 |
| Provision for loan and lease losses | $790,000 | 1,652 |
| Total noninterest income | $908,000 | 3,686 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $474,000 | 3,112 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $434,000 | 3,539 |
| Total noninterest expense | $4,973,000 | 2,939 |
| Salaries and employee benefits | $2,672,000 | 2,951 |
| Premises and equipment expense | $851,000 | 2,536 |
| Additional noninterest expense | $1,450,000 | 3,028 |
| Pre-tax net operating income | $1,616,000 | 3,914 |
| Securities gains (losses) | $20,000 | 3,147 |
| Applicable income taxes | $540,000 | 3,314 |
| Income before extraordinary items | $1,096,000 | 4,335 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,096,000 | 4,335 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 8,649 |
| Cash dividends | $30,000 | 6,117 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,082,600 | 4,266 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $11,651,000 | 2,908 |
| Total interest expense | $6,847,000 | 2,336 |
| Net interest income | $4,804,000 | 3,555 |
| Provision for loan and lease losses | $573,000 | 1,981 |
| Total noninterest income | $782,000 | 3,917 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $401,000 | 3,397 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $381,000 | 3,640 |
| Total noninterest expense | $5,008,000 | 2,821 |
| Salaries and employee benefits | $2,413,000 | 3,042 |
| Premises and equipment expense | $759,000 | 2,764 |
| Additional noninterest expense | $1,836,000 | 2,427 |
| Pre-tax net operating income | $5,000 | 8,703 |
| Securities gains (losses) | $-50,000 | 9,446 |
| Applicable income taxes | $-66,000 | 9,200 |
| Income before extraordinary items | $21,000 | 8,724 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $21,000 | 8,723 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $406,000 | 1,805 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $53,000 | 8,498 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $10,670,000 | 3,224 |
| Total interest expense | $6,823,000 | 2,466 |
| Net interest income | $3,847,000 | 4,309 |
| Provision for loan and lease losses | $660,000 | 1,482 |
| Total noninterest income | $664,000 | 4,144 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $277,000 | 4,274 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $387,000 | 3,430 |
| Total noninterest expense | $3,834,000 | 3,439 |
| Salaries and employee benefits | $1,880,000 | 3,648 |
| Premises and equipment expense | $490,000 | 3,849 |
| Additional noninterest expense | $1,464,000 | 2,874 |
| Pre-tax net operating income | $17,000 | 9,060 |
| Securities gains (losses) | $-6,000 | 8,044 |
| Applicable income taxes | $4,000 | 8,229 |
| Income before extraordinary items | $7,000 | 9,119 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $7,000 | 9,117 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $447,000 | 1,347 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $10,840 | 9,091 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $8,494,000 | 3,700 |
| Total interest expense | $4,943,000 | 2,953 |
| Net interest income | $3,551,000 | 4,605 |
| Provision for loan and lease losses | $246,000 | 3,082 |
| Total noninterest income | $587,000 | 4,485 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $308,000 | 3,911 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $279,000 | 4,183 |
| Total noninterest expense | $3,177,000 | 4,022 |
| Salaries and employee benefits | $1,626,000 | 4,065 |
| Premises and equipment expense | $311,000 | 5,364 |
| Additional noninterest expense | $1,240,000 | 3,329 |
| Pre-tax net operating income | $715,000 | 6,262 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $58,000 | 7,529 |
| Income before extraordinary items | $657,000 | 5,645 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $657,000 | 5,642 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 5,687 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $657,000 | 5,616 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $6,313,000 | 4,817 |
| Total interest expense | $3,626,000 | 3,998 |
| Net interest income | $2,687,000 | 5,569 |
| Provision for loan and lease losses | $268,000 | 2,883 |
| Total noninterest income | $489,000 | 5,000 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $193,000 | 5,239 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $296,000 | 4,062 |
| Total noninterest expense | $2,526,000 | 4,745 |
| Salaries and employee benefits | $1,302,000 | 4,753 |
| Premises and equipment expense | $280,000 | 5,588 |
| Additional noninterest expense | $944,000 | 4,146 |
| Pre-tax net operating income | $382,000 | 7,972 |
| Securities gains (losses) | $2,000 | 3,909 |
| Applicable income taxes | $0 | 9,340 |
| Income before extraordinary items | $384,000 | 7,314 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $384,000 | 7,311 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $110,000 | 3,472 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $382,000 | 7,248 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $5,076,000 | 5,734 |
| Total interest expense | $3,114,000 | 4,562 |
| Net interest income | $1,962,000 | 6,992 |
| Provision for loan and lease losses | $175,000 | 3,795 |
| Total noninterest income | $471,000 | 5,193 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $419,000 | 3,105 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $52,000 | 8,342 |
| Total noninterest expense | $2,055,000 | 5,547 |
| Salaries and employee benefits | $1,067,000 | 5,608 |
| Premises and equipment expense | $263,000 | 5,883 |
| Additional noninterest expense | $725,000 | 5,081 |
| Pre-tax net operating income | $203,000 | 9,557 |
| Securities gains (losses) | $13,000 | 2,177 |
| Applicable income taxes | $0 | 10,065 |
| Income before extraordinary items | $216,000 | 9,015 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $216,000 | 9,019 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,513 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $203,000 | 9,085 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,722,000 | 7,130 |
| Total interest expense | $2,497,000 | 5,519 |
| Net interest income | $1,225,000 | 8,978 |
| Provision for loan and lease losses | $228,000 | 3,133 |
| Total noninterest income | $288,000 | 7,093 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $243,000 | 4,922 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $45,000 | 9,116 |
| Total noninterest expense | $1,597,000 | 6,851 |
| Salaries and employee benefits | $841,000 | 6,768 |
| Premises and equipment expense | $288,000 | 5,743 |
| Additional noninterest expense | $468,000 | 7,320 |
| Pre-tax net operating income | $-312,000 | 11,148 |
| Securities gains (losses) | $8,000 | 2,673 |
| Applicable income taxes | $0 | 10,572 |
| Income before extraordinary items | $-304,000 | 11,184 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $-304,000 | 11,183 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,805 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $-50,000 | 11,329 |
| Net operating income | $-312,000 | 11,155 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $1,652,000 | 10,261 |
| Total interest expense | $1,263,000 | 8,395 |
| Net interest income | $389,000 | 11,626 |
| Provision for loan and lease losses | $176,000 | 3,326 |
| Total noninterest income | $128,000 | 9,699 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $66,000 | 8,717 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $62,000 | 8,656 |
| Total noninterest expense | $1,189,000 | 8,243 |
| Salaries and employee benefits | $554,000 | 8,685 |
| Premises and equipment expense | $172,000 | 7,765 |
| Additional noninterest expense | $463,000 | 7,577 |
| Pre-tax net operating income | $-848,000 | 11,853 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $0 | 11,151 |
| Income before extraordinary items | $-848,000 | 11,853 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $-848,000 | 11,852 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 8,178 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $6,400,000 | 75 |
| Net operating income | $-848,000 | 11,841 |
* 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.