Home > High Country Bank > Loan Charge- Offs and Recoveries

High Country Bank, Loan Charge- Offs and Recoveries

2003-12-31 (YTD Data)Rank
Total charge-offs$612,0001,658
Loans secured by real estate, total$503,000547
To non-U.S. addresseesNANA
Real estate loans in domestic offices$503,000547
Construction and land development$63,000435
Secured by farmland$0439
Total charge-offs secured by 1-4 family residential properties$440,000277
Secured by multifamily residential properties$0215
Secured by nonfarm nonresidential properties$01,780
Real estate loans in foreign officesNANA
Loans to depository institutions$018
To foreign banksNANA
Loans to finance agricultural production and other loans to farmersNANA
Commercial and industrial loans$05,358
Loans to individuals$109,0002,359
Credit card loan charge offs$02,038
Auto Loans Charge-OffsNANA
Other Consumer Loan Charge-Offs$109,0002,185
Loans to foreign governments and official institutions$011
Other loans$01,942
Lease financing receivables$0327
Memoranda:
Loans to finance agricultural production and other loans to farmers$0867
Total recoveries$8,0005,993
Loans secured by real estate, total$2,0002,956
To non-U.S. addresseesNANA
Real estate loans in domestic offices$2,0002,955
Construction and land development$2,000424
Secured by farmland$0408
Secured by 1-4 family residential properties - total recoveries$02,821
Secured by multifamily residential properties$0183
Secured by nonfarm nonresidential properties$01,310
Real estate loans in foreign officesNANA
Loans to depository institutions$032
To foreign banksNANA
Loans to finance agricultural production and other loans to farmersNANA
Commercial and industrial loans$04,583
Loans to individuals$6,0004,795
Credit card loan recoveries$01,547
Auto Loans - RecoveriesNANA
Other Consumer Loan Recoveries$6,0004,648
Loans to foreign governments and official institutions$07
Other loans$01,905
Lease financing receivables$0274
Memoranda:
Loans to finance agricultural production and other loans to farmers$0961
Net charge-offs$604,0001,385
Loans secured by real estate, total$501,000479
To non-U.S. addresseesNANA
Real estate loans in domestic offices$501,000478
Construction and land development$61,000395
Secured by farmland$0375
Secured by 1-4 family residential properties- net charge-offs$440,000233
Secured by multifamily residential properties$0192
Secured by nonfarm nonresidential properties$01,593
Real estate loans in foreign officesNANA
Loans to depository institutions$016
To foreign banksNANA
Loans to finance agricultural production and other loans to farmersNANA
Commercial and industrial loans$04,747
To non-U.S. addresseesNANA
Loans to individuals$103,0001,890
Credit card loan net charge offs$01,905
Auto Loans - Net Charge-OffsNANA
Other Consumer Loans Net Charge-Offs$103,0001,740
Loans to foreign governments and official institutions$010
Other loans$01,697
Lease financing receivables$0296
Memoranda:
Loans to finance agricultural production and other loans to farmers$0735
2003-09-30 (YTD Data)Rank
Total charge-offs$296,0002,084
Loans secured by real estate, total$210,000777
To non-U.S. addresseesNANA
Real estate loans in domestic offices$210,000777
Construction and land development$58,000338
Secured by farmland$0323
Total charge-offs secured by 1-4 family residential properties$152,000533
Secured by multifamily residential properties$0164
Secured by nonfarm nonresidential properties$01,419
Real estate loans in foreign officesNANA
Loans to depository institutions$014
To foreign banksNANA
Loans to finance agricultural production and other loans to farmersNANA
Commercial and industrial loans$04,789
Loans to individuals$86,0002,194
Credit card loan charge offs$01,934
Auto Loans Charge-OffsNANA
Other Consumer Loan Charge-Offs$86,0002,023
Loans to foreign governments and official institutions$010
Other loans$01,699
Lease financing receivables$0304
Memoranda:
Loans to finance agricultural production and other loans to farmers$0715
Total recoveries$7,0005,715
Loans secured by real estate, total$2,0002,542
To non-U.S. addresseesNANA
Real estate loans in domestic offices$2,0002,541
Construction and land development$2,000341
Secured by farmland$0344
Secured by 1-4 family residential properties - total recoveries$02,516
Secured by multifamily residential properties$0161
Secured by nonfarm nonresidential properties$01,141
Real estate loans in foreign officesNANA
Loans to depository institutions$028
To foreign banksNANA
Loans to finance agricultural production and other loans to farmersNANA
Commercial and industrial loans$04,239
Loans to individuals$5,0004,572
Credit card loan recoveries$01,427
Auto Loans - RecoveriesNANA
Other Consumer Loan Recoveries$5,0004,420
Loans to foreign governments and official institutions$011
Other loans$01,741
Lease financing receivables$0258
Memoranda:
Loans to finance agricultural production and other loans to farmers$0850
Net charge-offs$289,0001,745
Loans secured by real estate, total$208,000675
To non-U.S. addresseesNANA
Real estate loans in domestic offices$208,000674
Construction and land development$56,000318
Secured by farmland$0283
Secured by 1-4 family residential properties- net charge-offs$152,000462
Secured by multifamily residential properties$0144
Secured by nonfarm nonresidential properties$01,273
Real estate loans in foreign officesNANA
Loans to depository institutions$013
To foreign banksNANA
Loans to finance agricultural production and other loans to farmersNANA
Commercial and industrial loans$04,156
To non-U.S. addresseesNANA
Loans to individuals$81,0001,746
Credit card loan net charge offs$01,800
Auto Loans - Net Charge-OffsNANA
Other Consumer Loans Net Charge-Offs$81,0001,582
Loans to foreign governments and official institutions$08
Other loans$01,466
Lease financing receivables$0274
Memoranda:
Loans to finance agricultural production and other loans to farmers$0609
2003-06-30 (YTD Data)Rank
Total charge-offs$191,0002,054
Loans secured by real estate, total$124,000810
To non-U.S. addresseesNANA
Real estate loans in domestic offices$124,000810
Construction and land development$52,000251
Secured by farmland$0243
Total charge-offs secured by 1-4 family residential properties$72,000671
Secured by multifamily residential properties$0115
Secured by nonfarm nonresidential properties$01,093
Real estate loans in foreign officesNANA
Loans to depository institutions$014
To foreign banksNANA
Loans to finance agricultural production and other loans to farmersNANA
Commercial and industrial loans$04,090
Loans to individuals$67,0001,933
Credit card loan charge offs$01,759
Auto Loans Charge-OffsNANA
Other Consumer Loan Charge-Offs$67,0001,774
Loans to foreign governments and official institutions$011
Other loans$01,428
Lease financing receivables$0280
Memoranda:
Loans to finance agricultural production and other loans to farmers$0571
Total recoveries$6,0005,203
Loans secured by real estate, total$2,0002,037
To non-U.S. addresseesNANA
Real estate loans in domestic offices$2,0002,036
Construction and land development$2,000260
Secured by farmland$0274
Secured by 1-4 family residential properties - total recoveries$02,154
Secured by multifamily residential properties$0122
Secured by nonfarm nonresidential properties$0952
Real estate loans in foreign officesNANA
Loans to depository institutions$022
To foreign banksNANA
Loans to finance agricultural production and other loans to farmersNANA
Commercial and industrial loans$03,792
Loans to individuals$4,0004,212
Credit card loan recoveries$01,265
Auto Loans - RecoveriesNANA
Other Consumer Loan Recoveries$4,0004,045
Loans to foreign governments and official institutions$010
Other loans$01,482
Lease financing receivables$0235
Memoranda:
Loans to finance agricultural production and other loans to farmers$0695
Net charge-offs$185,0001,738
Loans secured by real estate, total$122,000725
To non-U.S. addresseesNANA
Real estate loans in domestic offices$122,000724
Construction and land development$50,000244
Secured by farmland$0214
Secured by 1-4 family residential properties- net charge-offs$72,000579
Secured by multifamily residential properties$0103
Secured by nonfarm nonresidential properties$0978
Real estate loans in foreign officesNANA
Loans to depository institutions$013
To foreign banksNANA
Loans to finance agricultural production and other loans to farmersNANA
Commercial and industrial loans$03,532
To non-U.S. addresseesNANA
Loans to individuals$63,0001,551
Credit card loan net charge offs$01,616
Auto Loans - Net Charge-OffsNANA
Other Consumer Loans Net Charge-Offs$63,0001,412
Loans to foreign governments and official institutions$010
Other loans$01,245
Lease financing receivables$0253
Memoranda:
Loans to finance agricultural production and other loans to farmers$0485
2003-03-31 (YTD Data)Rank
Total charge-offs$83,0002,023
Loans secured by real estate, total$43,000886
To non-U.S. addresseesNANA
Real estate loans in domestic offices$43,000886
Construction and land development$0356
Secured by farmland$0142
Total charge-offs secured by 1-4 family residential properties$43,000576
Secured by multifamily residential properties$062
Secured by nonfarm nonresidential properties$0685
Real estate loans in foreign officesNANA
Loans to depository institutions$011
To foreign banksNANA
Loans to finance agricultural production and other loans to farmersNANA
Commercial and industrial loans$02,873
Loans to individuals$40,0001,661
Credit card loan charge offs$01,417
Auto Loans Charge-OffsNANA
Other Consumer Loan Charge-Offs$40,0001,519
Loans to foreign governments and official institutions$09
Other loans$01,009
Lease financing receivables$0227
Memoranda:
Loans to finance agricultural production and other loans to farmers$0328
Total recoveries$1,0005,730
Loans secured by real estate, total$02,063
To non-U.S. addresseesNANA
Real estate loans in domestic offices$02,062
Construction and land development$0259
Secured by farmland$0177
Secured by 1-4 family residential properties - total recoveries$01,536
Secured by multifamily residential properties$090
Secured by nonfarm nonresidential properties$0671
Real estate loans in foreign officesNANA
Loans to depository institutions$022
To foreign banksNANA
Loans to finance agricultural production and other loans to farmersNANA
Commercial and industrial loans$1,0002,376
Loans to individuals$05,582
Credit card loan recoveries$0989
Auto Loans - RecoveriesNANA
Other Consumer Loan Recoveries$05,390
Loans to foreign governments and official institutions$08
Other loans$01,167
Lease financing receivables$0201
Memoranda:
Loans to finance agricultural production and other loans to farmers$0518
Net charge-offs$82,0001,693
Loans secured by real estate, total$43,000778
To non-U.S. addresseesNANA
Real estate loans in domestic offices$43,000777
Construction and land development$0331
Secured by farmland$0129
Secured by 1-4 family residential properties- net charge-offs$43,000505
Secured by multifamily residential properties$056
Secured by nonfarm nonresidential properties$0618
Real estate loans in foreign officesNANA
Loans to depository institutions$010
To foreign banksNANA
Loans to finance agricultural production and other loans to farmersNANA
Commercial and industrial loans$-1,0007,725
To non-U.S. addresseesNANA
Loans to individuals$40,0001,303
Credit card loan net charge offs$01,291
Auto Loans - Net Charge-OffsNANA
Other Consumer Loans Net Charge-Offs$40,0001,166
Loans to foreign governments and official institutions$08
Other loans$0847
Lease financing receivables$0207
Memoranda:
Loans to finance agricultural production and other loans to farmers$0283
2002-12-31 (YTD Data)Rank
Total charge-offs$206,0003,539
Loans secured by real estate, total$18,0003,322
To non-U.S. addresseesNANA
Real estate loans in domestic offices$18,0003,320
Construction and land development$0961
Secured by farmland$0395
Total charge-offs secured by 1-4 family residential properties$18,0002,438
Secured by multifamily residential properties$0205
Secured by nonfarm nonresidential properties$01,733
Real estate loans in foreign officesNANA
Loans to depository institutions$022
To foreign banksNANA
Loans to finance agricultural production and other loans to farmersNANA
Commercial and industrial loans$102,0002,491
Loans to individuals$86,0002,792
Credit card loan charge offs$02,154
Auto Loans Charge-OffsNANA
Other Consumer Loan Charge-Offs$86,0002,614
Loans to foreign governments and official institutions$019
Other loans$02,007
Lease financing receivables$0351
Memoranda:
Loans to finance agricultural production and other loans to farmers$0954
Total recoveries$1,0007,467
Loans secured by real estate, total$03,530
To non-U.S. addresseesNANA
Real estate loans in domestic offices$03,529
Construction and land development$0512
Secured by farmland$0408
Secured by 1-4 family residential properties - total recoveries$02,793
Secured by multifamily residential properties$0183
Secured by nonfarm nonresidential properties$01,235
Real estate loans in foreign officesNANA
Loans to depository institutions$026
To foreign banksNANA
Loans to finance agricultural production and other loans to farmersNANA
Commercial and industrial loans$1,0004,168
Loans to individuals$06,939
Credit card loan recoveries$01,607
Auto Loans - RecoveriesNANA
Other Consumer Loan Recoveries$06,769
Loans to foreign governments and official institutions$016
Other loans$01,889
Lease financing receivables$0274
Memoranda:
Loans to finance agricultural production and other loans to farmers$01,014
Net charge-offs$205,0002,978
Loans secured by real estate, total$18,0002,911
To non-U.S. addresseesNANA
Real estate loans in domestic offices$18,0002,907
Construction and land development$0884
Secured by farmland$0335
Secured by 1-4 family residential properties- net charge-offs$18,0002,128
Secured by multifamily residential properties$0191
Secured by nonfarm nonresidential properties$01,573
Real estate loans in foreign officesNANA
Loans to depository institutions$022
To foreign banksNANA
Loans to finance agricultural production and other loans to farmersNANA
Commercial and industrial loans$101,0002,230
To non-U.S. addresseesNANA
Loans to individuals$86,0002,233
Credit card loan net charge offs$02,007
Auto Loans - Net Charge-OffsNANA
Other Consumer Loans Net Charge-Offs$86,0002,053
Loans to foreign governments and official institutions$016
Other loans$01,756
Lease financing receivables$0327
Memoranda:
Loans to finance agricultural production and other loans to farmers$0812
2001-12-31 (YTD Data)Rank
Total charge-offs$70,0005,376
Loans secured by real estate, total$14,0003,347
To non-U.S. addresseesNANA
Real estate loans in domestic offices$14,0003,345
Construction and land development$0908
Secured by farmland$0391
Total charge-offs secured by 1-4 family residential properties$14,0002,505
Secured by multifamily residential properties$0232
Secured by nonfarm nonresidential properties$01,604
Real estate loans in foreign officesNANA
Loans to depository institutions$024
To foreign banksNANA
Loans to finance agricultural production and other loans to farmersNANA
Commercial and industrial loans$31,0003,662
Loans to individuals$25,0004,925
Credit card loan charge offs$02,261
Auto Loans Charge-OffsNANA
Other Consumer Loan Charge-Offs$25,0004,666
Loans to foreign governments and official institutions$019
Other loans$01,962
Lease financing receivables$0314
Memoranda:
Loans to finance agricultural production and other loans to farmers$0889
Total recoveries$07,855
Loans secured by real estate, total$03,477
To non-U.S. addresseesNANA
Real estate loans in domestic offices$03,476
Construction and land development$0490
Secured by farmland$0411
Secured by 1-4 family residential properties - total recoveries$02,684
Secured by multifamily residential properties$0182
Secured by nonfarm nonresidential properties$01,182
Real estate loans in foreign officesNANA
Loans to depository institutions$035
To foreign banksNANA
Loans to finance agricultural production and other loans to farmersNANA
Commercial and industrial loans$04,540
Loans to individuals$06,965
Credit card loan recoveries$01,709
Auto Loans - RecoveriesNANA
Other Consumer Loan Recoveries$06,766
Loans to foreign governments and official institutions$018
Other loans$01,877
Lease financing receivables$0247
Memoranda:
Loans to finance agricultural production and other loans to farmers$0990
Net charge-offs$70,0004,619
Loans secured by real estate, total$14,0002,930
To non-U.S. addresseesNANA
Real estate loans in domestic offices$14,0002,927
Construction and land development$0844
Secured by farmland$0337
Secured by 1-4 family residential properties- net charge-offs$14,0002,191
Secured by multifamily residential properties$0198
Secured by nonfarm nonresidential properties$01,437
Real estate loans in foreign officesNANA
Loans to depository institutions$021
To foreign banksNANA
Loans to finance agricultural production and other loans to farmersNANA
Commercial and industrial loans$31,0003,260
To non-U.S. addresseesNANA
Loans to individuals$25,0004,271
Credit card loan net charge offs$02,129
Auto Loans - Net Charge-OffsNANA
Other Consumer Loans Net Charge-Offs$25,0004,005
Loans to foreign governments and official institutions$017
Other loans$01,676
Lease financing receivables$0303
Memoranda:
Loans to finance agricultural production and other loans to farmers$0735
2000-12-31 (YTD Data)Rank
Total charge-offs$53,0005,580
Loans secured by real estate, total$40,0001,947
To non-U.S. addresseesNANA
Real estate loans in domestic offices$40,0001,944
Construction and land development$0585
Secured by farmland$0333
Total charge-offs secured by 1-4 family residential properties$40,0001,313
Secured by multifamily residential properties$0211
Secured by nonfarm nonresidential properties$01,312
Real estate loans in foreign officesNANA
Loans to depository institutionsNANA
To foreign banksNANA
Loans to finance agricultural production and other loans to farmersNANA
Commercial and industrial loans$06,142
Loans to individuals$13,0005,677
Credit card loan charge offs$03,283
Auto Loans Charge-OffsNANA
Other Consumer Loan Charge-Offs$13,0005,299
Loans to foreign governments and official institutionsNANA
Other loansNANA
Lease financing receivables$0262
Memoranda:
Loans to finance agricultural production and other loans to farmers$0988
Total recoveries$08,053
Loans secured by real estate, total$03,499
To non-U.S. addresseesNANA
Real estate loans in domestic offices$03,493
Construction and land development$0380
Secured by farmland$0361
Secured by 1-4 family residential properties - total recoveries$02,812
Secured by multifamily residential properties$0214
Secured by nonfarm nonresidential properties$01,178
Real estate loans in foreign officesNANA
Loans to depository institutionsNANA
To foreign banksNANA
Loans to finance agricultural production and other loans to farmersNANA
Commercial and industrial loans$05,583
Loans to individuals$07,052
Credit card loan recoveries$02,376
Auto Loans - RecoveriesNANA
Other Consumer Loan Recoveries$06,781
Loans to foreign governments and official institutionsNANA
Other loansNANA
Lease financing receivables$0249
Memoranda:
Loans to finance agricultural production and other loans to farmers$01,156
Net charge-offs$53,0004,647
Loans secured by real estate, total$40,0001,634
To non-U.S. addresseesNANA
Real estate loans in domestic offices$40,0001,632
Construction and land development$0551
Secured by farmland$0284
Secured by 1-4 family residential properties- net charge-offs$40,0001,113
Secured by multifamily residential properties$0179
Secured by nonfarm nonresidential properties$01,145
Real estate loans in foreign officesNANA
Loans to depository institutionsNANA
To foreign banksNANA
Loans to finance agricultural production and other loans to farmersNANA
Commercial and industrial loans$05,191
To non-U.S. addresseesNANA
Loans to individuals$13,0004,890
Credit card loan net charge offs$03,051
Auto Loans - Net Charge-OffsNANA
Other Consumer Loans Net Charge-Offs$13,0004,473
Loans to foreign governments and official institutionsNANA
Other loansNANA
Lease financing receivables$0240
Memoranda:
Loans to finance agricultural production and other loans to farmers$0795
1999-12-31 (YTD Data)Rank
Total charge-offs$09,036
Loans secured by real estate, total$04,449
To non-U.S. addresseesNANA
Real estate loans in domestic offices$04,444
Construction and land development$0611
Secured by farmland$0351
Total charge-offs secured by 1-4 family residential properties$03,696
Secured by multifamily residential properties$0249
Secured by nonfarm nonresidential properties$01,427
Real estate loans in foreign officesNANA
Loans to depository institutionsNANA
To foreign banksNANA
Loans to finance agricultural production and other loans to farmersNANA
Commercial and industrial loans$06,487
Loans to individuals$08,206
Credit card loan charge offs$03,493
Auto Loans Charge-OffsNANA
Other Consumer Loan Charge-Offs$07,870
Loans to foreign governments and official institutionsNANA
Other loansNANA
Lease financing receivables$0289
Memoranda:
Loans to finance agricultural production and other loans to farmers$01,213
Total recoveries$08,447
Loans secured by real estate, total$03,744
To non-U.S. addresseesNANA
Real estate loans in domestic offices$03,741
Construction and land development$0429
Secured by farmland$0418
Secured by 1-4 family residential properties - total recoveries$02,967
Secured by multifamily residential properties$0246
Secured by nonfarm nonresidential properties$01,309
Real estate loans in foreign officesNANA
Loans to depository institutionsNANA
To foreign banksNANA
Loans to finance agricultural production and other loans to farmersNANA
Commercial and industrial loans$05,944
Loans to individuals$07,428
Credit card loan recoveries$02,561
Auto Loans - RecoveriesNANA
Other Consumer Loan Recoveries$07,124
Loans to foreign governments and official institutionsNANA
Other loansNANA
Lease financing receivables$0264
Memoranda:
Loans to finance agricultural production and other loans to farmers$01,259
Net charge-offs$07,897
Loans secured by real estate, total$03,741
To non-U.S. addresseesNANA
Real estate loans in domestic offices$03,737
Construction and land development$0547
Secured by farmland$0293
Secured by 1-4 family residential properties- net charge-offs$03,220
Secured by multifamily residential properties$0211
Secured by nonfarm nonresidential properties$01,166
Real estate loans in foreign officesNANA
Loans to depository institutionsNANA
To foreign banksNANA
Loans to finance agricultural production and other loans to farmersNANA
Commercial and industrial loans$05,362
To non-U.S. addresseesNANA
Loans to individuals$07,389
Credit card loan net charge offs$03,241
Auto Loans - Net Charge-OffsNANA
Other Consumer Loans Net Charge-Offs$06,980
Loans to foreign governments and official institutionsNANA
Other loansNANA
Lease financing receivables$0263
Memoranda:
Loans to finance agricultural production and other loans to farmers$01,003
1998-12-31 (YTD Data)Rank
Total charge-offs$09,346
Loans secured by real estate, total$04,620
To non-U.S. addresseesNANA
Real estate loans in domestic offices$04,613
Construction and land development$0630
Secured by farmland$0328
Total charge-offs secured by 1-4 family residential properties$03,812
Secured by multifamily residential properties$0335
Secured by nonfarm nonresidential properties$01,530
Real estate loans in foreign officesNANA
Loans to depository institutionsNANA
To foreign banksNANA
Loans to finance agricultural production and other loans to farmersNANA
Commercial and industrial loans$06,621
Loans to individuals$08,520
Credit card loan charge offs$03,663
Auto Loans Charge-OffsNANA
Other Consumer Loan Charge-Offs$08,190
Loans to foreign governments and official institutionsNANA
Other loansNANA
Lease financing receivables$0296
Memoranda:
Loans to finance agricultural production and other loans to farmers$01,225
Total recoveries$08,787
Loans secured by real estate, total$03,922
To non-U.S. addresseesNANA
Real estate loans in domestic offices$03,917
Construction and land development$0460
Secured by farmland$0446
Secured by 1-4 family residential properties - total recoveries$03,049
Secured by multifamily residential properties$0272
Secured by nonfarm nonresidential properties$01,438
Real estate loans in foreign officesNANA
Loans to depository institutionsNANA
To foreign banksNANA
Loans to finance agricultural production and other loans to farmersNANA
Commercial and industrial loans$06,193
Loans to individuals$07,703
Credit card loan recoveries$02,637
Auto Loans - RecoveriesNANA
Other Consumer Loan Recoveries$07,450
Loans to foreign governments and official institutionsNANA
Other loansNANA
Lease financing receivables$0264
Memoranda:
Loans to finance agricultural production and other loans to farmers$01,322
Net charge-offs$08,132
Loans secured by real estate, total$03,834
To non-U.S. addresseesNANA
Real estate loans in domestic offices$03,828
Construction and land development$0552
Secured by farmland$0259
Secured by 1-4 family residential properties- net charge-offs$03,290
Secured by multifamily residential properties$0283
Secured by nonfarm nonresidential properties$01,241
Real estate loans in foreign officesNANA
Loans to depository institutionsNANA
To foreign banksNANA
Loans to finance agricultural production and other loans to farmersNANA
Commercial and industrial loans$05,458
To non-U.S. addresseesNANA
Loans to individuals$07,699
Credit card loan net charge offs$03,434
Auto Loans - Net Charge-OffsNANA
Other Consumer Loans Net Charge-Offs$07,282
Loans to foreign governments and official institutionsNANA
Other loansNANA
Lease financing receivables$0278
Memoranda:
Loans to finance agricultural production and other loans to farmers$01,029

* 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.