Home > First State Bank > Income and Expense
First State Bank, Income and Expense
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $3,306,000 | 3,957 |
| Total interest expense | $1,607,000 | 2,416 |
| Net interest income | $1,699,000 | 4,992 |
| Provision for loan and lease losses | $240,000 | 1,886 |
| Total noninterest income | $644,000 | 3,019 |
| Gross Fiduciary activities income | $6,000 | 1,267 |
| Service charges on deposit accounts | $396,000 | 2,164 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $242,000 | 3,379 |
| Total noninterest expense | $1,452,000 | 4,758 |
| Salaries and employee benefits | $662,000 | 5,379 |
| Premises and equipment expense | $144,000 | 5,789 |
| Additional noninterest expense | $646,000 | 3,526 |
| Pre-tax net operating income | $651,000 | 4,629 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $209,000 | 3,691 |
| Income before extraordinary items | $442,000 | 5,052 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $442,000 | 5,052 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $181,000 | 1,477 |
| Cash dividends | $294,000 | 2,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $442,000 | 4,958 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,663,000 | 3,935 |
| Total interest expense | $807,000 | 2,423 |
| Net interest income | $856,000 | 4,974 |
| Provision for loan and lease losses | $120,000 | 1,785 |
| Total noninterest income | $353,000 | 2,777 |
| Gross Fiduciary activities income | $3,000 | 1,247 |
| Service charges on deposit accounts | $182,000 | 2,264 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $168,000 | 2,743 |
| Total noninterest expense | $644,000 | 5,200 |
| Salaries and employee benefits | $324,000 | 5,487 |
| Premises and equipment expense | $72,000 | 5,806 |
| Additional noninterest expense | $248,000 | 4,344 |
| Pre-tax net operating income | $445,000 | 3,811 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $154,000 | 3,042 |
| Income before extraordinary items | $291,000 | 4,345 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $291,000 | 4,344 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $34,000 | 2,329 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $291,000 | 4,221 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $7,442,000 | 3,628 |
| Total interest expense | $3,421,000 | 2,548 |
| Net interest income | $4,021,000 | 4,350 |
| Provision for loan and lease losses | $420,000 | 2,478 |
| Total noninterest income | $1,074,000 | 3,567 |
| Gross Fiduciary activities income | $10,000 | 1,355 |
| Service charges on deposit accounts | $649,000 | 2,527 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $415,000 | 3,912 |
| Total noninterest expense | $2,548,000 | 5,157 |
| Salaries and employee benefits | $1,278,000 | 5,409 |
| Premises and equipment expense | $296,000 | 5,695 |
| Additional noninterest expense | $974,000 | 4,367 |
| Pre-tax net operating income | $2,127,000 | 3,257 |
| Securities gains (losses) | $4,000 | 3,987 |
| Applicable income taxes | $735,000 | 2,688 |
| Income before extraordinary items | $1,396,000 | 3,734 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,396,000 | 3,734 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $891,000 | 1,012 |
| Cash dividends | $538,000 | 3,396 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,393,360 | 3,589 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $5,693,000 | 3,624 |
| Total interest expense | $2,597,000 | 2,603 |
| Net interest income | $3,096,000 | 4,287 |
| Provision for loan and lease losses | $300,000 | 2,501 |
| Total noninterest income | $835,000 | 3,542 |
| Gross Fiduciary activities income | $8,000 | 1,319 |
| Service charges on deposit accounts | $433,000 | 2,785 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $394,000 | 3,554 |
| Total noninterest expense | $1,968,000 | 5,042 |
| Salaries and employee benefits | $983,000 | 5,303 |
| Premises and equipment expense | $239,000 | 5,473 |
| Additional noninterest expense | $746,000 | 4,276 |
| Pre-tax net operating income | $1,663,000 | 3,271 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $574,000 | 2,763 |
| Income before extraordinary items | $1,089,000 | 3,777 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,089,000 | 3,776 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $488,000 | 1,186 |
| Cash dividends | $262,000 | 3,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,089,000 | 3,605 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,862,000 | 3,607 |
| Total interest expense | $1,703,000 | 2,706 |
| Net interest income | $2,159,000 | 4,157 |
| Provision for loan and lease losses | $180,000 | 2,675 |
| Total noninterest income | $580,000 | 3,431 |
| Gross Fiduciary activities income | $7,000 | 1,277 |
| Service charges on deposit accounts | $262,000 | 2,954 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $311,000 | 3,227 |
| Total noninterest expense | $1,348,000 | 4,938 |
| Salaries and employee benefits | $666,000 | 5,266 |
| Premises and equipment expense | $161,000 | 5,416 |
| Additional noninterest expense | $521,000 | 4,115 |
| Pre-tax net operating income | $1,211,000 | 3,067 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $424,000 | 2,583 |
| Income before extraordinary items | $787,000 | 3,557 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $787,000 | 3,557 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $492,000 | 858 |
| Cash dividends | $251,000 | 3,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $787,000 | 3,358 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,884,000 | 3,697 |
| Total interest expense | $857,000 | 2,754 |
| Net interest income | $1,027,000 | 4,312 |
| Provision for loan and lease losses | $60,000 | 3,248 |
| Total noninterest income | $277,000 | 3,434 |
| Gross Fiduciary activities income | $5,000 | 1,228 |
| Service charges on deposit accounts | $127,000 | 2,959 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $145,000 | 3,273 |
| Total noninterest expense | $668,000 | 4,960 |
| Salaries and employee benefits | $332,000 | 5,279 |
| Premises and equipment expense | $88,000 | 5,119 |
| Additional noninterest expense | $248,000 | 4,243 |
| Pre-tax net operating income | $576,000 | 3,171 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $198,000 | 2,716 |
| Income before extraordinary items | $378,000 | 3,615 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $378,000 | 3,613 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $58,000 | 2,028 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $378,000 | 3,441 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $8,901,000 | 3,334 |
| Total interest expense | $3,968,000 | 2,770 |
| Net interest income | $4,933,000 | 3,715 |
| Provision for loan and lease losses | $400,000 | 2,829 |
| Total noninterest income | $1,019,000 | 3,444 |
| Gross Fiduciary activities income | $12,000 | 1,373 |
| Service charges on deposit accounts | $512,000 | 2,917 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $495,000 | 3,299 |
| Total noninterest expense | $2,709,000 | 4,804 |
| Salaries and employee benefits | $1,379,000 | 4,995 |
| Premises and equipment expense | $338,000 | 5,198 |
| Additional noninterest expense | $992,000 | 4,205 |
| Pre-tax net operating income | $2,843,000 | 2,605 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $1,013,000 | 2,188 |
| Income before extraordinary items | $1,830,000 | 2,988 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,830,000 | 2,987 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $242,000 | 2,718 |
| Cash dividends | $1,108,000 | 2,063 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,830,000 | 2,907 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $10,165,000 | 3,256 |
| Total interest expense | $5,335,000 | 2,982 |
| Net interest income | $4,830,000 | 3,534 |
| Provision for loan and lease losses | $240,000 | 3,705 |
| Total noninterest income | $1,068,000 | 3,190 |
| Gross Fiduciary activities income | $7,000 | 1,492 |
| Service charges on deposit accounts | $562,000 | 2,581 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $499,000 | 3,132 |
| Total noninterest expense | $2,570,000 | 4,870 |
| Salaries and employee benefits | $1,330,000 | 4,954 |
| Premises and equipment expense | $340,000 | 5,136 |
| Additional noninterest expense | $900,000 | 4,408 |
| Pre-tax net operating income | $3,088,000 | 2,202 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $1,122,000 | 1,914 |
| Income before extraordinary items | $1,966,000 | 2,574 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,966,000 | 2,580 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $182,000 | 3,033 |
| Cash dividends | $656,000 | 2,974 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,966,000 | 2,495 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $9,653,000 | 3,505 |
| Total interest expense | $5,450,000 | 3,068 |
| Net interest income | $4,203,000 | 4,014 |
| Provision for loan and lease losses | $315,000 | 2,731 |
| Total noninterest income | $576,000 | 4,511 |
| Gross Fiduciary activities income | $2,000 | 1,298 |
| Service charges on deposit accounts | $362,000 | 3,487 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $212,000 | 4,668 |
| Total noninterest expense | $2,389,000 | 5,016 |
| Salaries and employee benefits | $1,244,000 | 5,069 |
| Premises and equipment expense | $333,000 | 5,104 |
| Additional noninterest expense | $812,000 | 4,683 |
| Pre-tax net operating income | $2,075,000 | 3,232 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $747,000 | 2,643 |
| Income before extraordinary items | $1,328,000 | 3,581 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,328,000 | 3,581 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $66,000 | 4,301 |
| Cash dividends | $599,000 | 3,246 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,328,000 | 3,562 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $8,362,000 | 3,756 |
| Total interest expense | $4,284,000 | 3,385 |
| Net interest income | $4,078,000 | 4,113 |
| Provision for loan and lease losses | $345,000 | 2,386 |
| Total noninterest income | $540,000 | 4,733 |
| Gross Fiduciary activities income | $4,000 | 1,311 |
| Service charges on deposit accounts | $330,000 | 3,716 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $206,000 | 4,869 |
| Total noninterest expense | $2,477,000 | 4,921 |
| Salaries and employee benefits | $1,361,000 | 4,693 |
| Premises and equipment expense | $337,000 | 5,101 |
| Additional noninterest expense | $779,000 | 4,895 |
| Pre-tax net operating income | $1,796,000 | 3,624 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $628,000 | 3,125 |
| Income before extraordinary items | $1,168,000 | 3,956 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,168,000 | 3,957 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $36,000 | 5,344 |
| Cash dividends | $562,000 | 3,279 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,168,000 | 3,930 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $7,694,000 | 4,075 |
| Total interest expense | $4,108,000 | 3,600 |
| Net interest income | $3,586,000 | 4,488 |
| Provision for loan and lease losses | $410,000 | 2,021 |
| Total noninterest income | $486,000 | 5,024 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $291,000 | 4,016 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $195,000 | 5,026 |
| Total noninterest expense | $2,406,000 | 4,899 |
| Salaries and employee benefits | $1,280,000 | 4,829 |
| Premises and equipment expense | $339,000 | 4,991 |
| Additional noninterest expense | $787,000 | 4,738 |
| Pre-tax net operating income | $1,256,000 | 4,741 |
| Securities gains (losses) | $2,000 | 3,909 |
| Applicable income taxes | $431,000 | 4,229 |
| Income before extraordinary items | $827,000 | 5,087 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $827,000 | 5,087 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $177,000 | 2,641 |
| Cash dividends | $507,000 | 3,466 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $825,680 | 5,007 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $7,544,000 | 4,206 |
| Total interest expense | $4,020,000 | 3,660 |
| Net interest income | $3,524,000 | 4,705 |
| Provision for loan and lease losses | $460,000 | 1,904 |
| Total noninterest income | $459,000 | 5,267 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $310,000 | 3,972 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $149,000 | 5,702 |
| Total noninterest expense | $2,292,000 | 5,115 |
| Salaries and employee benefits | $1,194,000 | 5,118 |
| Premises and equipment expense | $349,000 | 4,913 |
| Additional noninterest expense | $749,000 | 4,968 |
| Pre-tax net operating income | $1,231,000 | 5,157 |
| Securities gains (losses) | $10,000 | 2,359 |
| Applicable income taxes | $453,000 | 4,511 |
| Income before extraordinary items | $788,000 | 5,511 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $788,000 | 5,513 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $489,000 | 1,362 |
| Cash dividends | $318,000 | 4,439 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $781,600 | 5,490 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $7,257,000 | 4,420 |
| Total interest expense | $3,830,000 | 3,870 |
| Net interest income | $3,427,000 | 4,917 |
| Provision for loan and lease losses | $260,000 | 2,872 |
| Total noninterest income | $376,000 | 6,152 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $314,000 | 4,085 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $62,000 | 8,398 |
| Total noninterest expense | $2,267,000 | 5,409 |
| Salaries and employee benefits | $1,168,000 | 5,330 |
| Premises and equipment expense | $368,000 | 4,854 |
| Additional noninterest expense | $732,000 | 5,559 |
| Pre-tax net operating income | $1,275,000 | 4,902 |
| Securities gains (losses) | $14,000 | 2,256 |
| Applicable income taxes | $472,000 | 4,344 |
| Income before extraordinary items | $817,000 | 5,229 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $817,000 | 5,229 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $324,000 | 1,962 |
| Cash dividends | $85,000 | 6,967 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $808,040 | 5,205 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $6,621,000 | 4,777 |
| Total interest expense | $3,549,000 | 4,107 |
| Net interest income | $3,072,000 | 5,395 |
| Provision for loan and lease losses | $138,000 | 3,809 |
| Total noninterest income | $407,000 | 5,925 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $298,000 | 4,309 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $109,000 | 6,966 |
| Total noninterest expense | $2,192,000 | 5,580 |
| Salaries and employee benefits | $1,022,000 | 5,951 |
| Premises and equipment expense | $322,000 | 5,333 |
| Additional noninterest expense | $848,000 | 5,004 |
| Pre-tax net operating income | $1,149,000 | 5,422 |
| Securities gains (losses) | $3,000 | 3,092 |
| Applicable income taxes | $367,000 | 5,253 |
| Income before extraordinary items | $785,000 | 5,520 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $785,000 | 5,518 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $165,000 | 2,827 |
| Cash dividends | $255,000 | 4,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $782,960 | 5,513 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $5,366,000 | 5,344 |
| Total interest expense | $2,436,000 | 4,755 |
| Net interest income | $2,930,000 | 5,702 |
| Provision for loan and lease losses | $140,000 | 3,750 |
| Total noninterest income | $298,000 | 7,275 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $236,000 | 5,255 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $62,000 | 9,009 |
| Total noninterest expense | $1,953,000 | 6,331 |
| Salaries and employee benefits | $929,000 | 6,470 |
| Premises and equipment expense | $274,000 | 6,096 |
| Additional noninterest expense | $750,000 | 5,993 |
| Pre-tax net operating income | $1,135,000 | 5,447 |
| Securities gains (losses) | $-6,000 | 9,509 |
| Applicable income taxes | $402,000 | 4,746 |
| Income before extraordinary items | $727,000 | 5,751 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $727,000 | 5,767 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $38,000 | 5,618 |
| Cash dividends | $247,000 | 5,002 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $730,840 | 5,803 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,681,000 | 6,111 |
| Total interest expense | $2,161,000 | 5,466 |
| Net interest income | $2,520,000 | 6,511 |
| Provision for loan and lease losses | $536,000 | 2,003 |
| Total noninterest income | $261,000 | 8,200 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $209,000 | 5,817 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $52,000 | 9,987 |
| Total noninterest expense | $1,849,000 | 6,761 |
| Salaries and employee benefits | $882,000 | 6,826 |
| Premises and equipment expense | $266,000 | 6,397 |
| Additional noninterest expense | $701,000 | 6,553 |
| Pre-tax net operating income | $396,000 | 9,439 |
| Securities gains (losses) | $8,000 | 5,699 |
| Applicable income taxes | $201,000 | 7,594 |
| Income before extraordinary items | $203,000 | 10,615 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $203,000 | 10,723 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $507,000 | 1,745 |
| Cash dividends | $63,000 | 7,651 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $197,880 | 10,455 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,385,000 | 7,025 |
| Total interest expense | $2,221,000 | 6,576 |
| Net interest income | $2,164,000 | 7,334 |
| Provision for loan and lease losses | $398,000 | 3,487 |
| Total noninterest income | $198,000 | 9,453 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $156,000 | 6,955 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $42,000 | 10,916 |
| Total noninterest expense | $1,516,000 | 7,858 |
| Salaries and employee benefits | $734,000 | 7,742 |
| Premises and equipment expense | $195,000 | 7,943 |
| Additional noninterest expense | $587,000 | 7,628 |
| Pre-tax net operating income | $448,000 | 8,825 |
| Securities gains (losses) | $7,000 | 6,774 |
| Applicable income taxes | $121,000 | 9,332 |
| Income before extraordinary items | $334,000 | 8,885 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $334,000 | 9,028 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 8,726 |
| Cash dividends | $237,000 | 4,647 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $328,890 | 8,590 |
* 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.