Home > Horizon Bank > Income and Expense
Horizon Bank, Income and Expense
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $4,805,000 | 3,147 |
| Total interest expense | $2,005,000 | 2,154 |
| Net interest income | $2,800,000 | 3,707 |
| Provision for loan and lease losses | $2,698,000 | 1,030 |
| Total noninterest income | $477,000 | 3,305 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $39,000 | 5,921 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $438,000 | 2,286 |
| Total noninterest expense | $3,173,000 | 2,975 |
| Salaries and employee benefits | $1,245,000 | 3,653 |
| Premises and equipment expense | $499,000 | 2,545 |
| Additional noninterest expense | $1,429,000 | 2,352 |
| Pre-tax net operating income | $-2,594,000 | 7,365 |
| Securities gains (losses) | $-60,000 | 7,453 |
| Applicable income taxes | $-920,000 | 7,601 |
| Income before extraordinary items | $-1,734,000 | 7,296 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-1,734,000 | 7,295 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-1,734,000 | 7,296 |
| Net charge-offs | $2,431,000 | 973 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $25,000 | 826 |
| Net operating income | $-1,695,000 | 7,282 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $2,566,000 | 3,036 |
| Total interest expense | $1,047,000 | 2,178 |
| Net interest income | $1,519,000 | 3,521 |
| Provision for loan and lease losses | $2,698,000 | 595 |
| Total noninterest income | $76,000 | 5,507 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $21,000 | 5,847 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $55,000 | 4,521 |
| Total noninterest expense | $1,565,000 | 3,038 |
| Salaries and employee benefits | $638,000 | 3,636 |
| Premises and equipment expense | $245,000 | 2,633 |
| Additional noninterest expense | $682,000 | 2,430 |
| Pre-tax net operating income | $-2,668,000 | 7,668 |
| Securities gains (losses) | $-60,000 | 7,642 |
| Applicable income taxes | $-871,000 | 7,775 |
| Income before extraordinary items | $-1,857,000 | 7,631 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-1,857,000 | 7,633 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-1,857,000 | 7,633 |
| Net charge-offs | $2,111,000 | 624 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $12,000 | 775 |
| Net operating income | $-1,816,200 | 7,619 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $11,753,000 | 2,814 |
| Total interest expense | $5,729,000 | 1,993 |
| Net interest income | $6,024,000 | 3,459 |
| Provision for loan and lease losses | $11,197,000 | 787 |
| Total noninterest income | $1,228,000 | 2,931 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $76,000 | 6,081 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $1,152,000 | 1,969 |
| Total noninterest expense | $5,575,000 | 3,375 |
| Salaries and employee benefits | $2,387,000 | 3,827 |
| Premises and equipment expense | $949,000 | 2,700 |
| Additional noninterest expense | $2,239,000 | 3,027 |
| Pre-tax net operating income | $-9,520,000 | 7,471 |
| Securities gains (losses) | $-2,095,000 | 7,813 |
| Applicable income taxes | $-3,582,000 | 7,671 |
| Income before extraordinary items | $-8,033,000 | 7,488 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-8,033,000 | 7,486 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-8,033,000 | 7,487 |
| Net charge-offs | $7,969,000 | 814 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $60,000 | 1,017 |
| Net operating income | $-6,587,450 | 7,413 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $9,063,000 | 2,770 |
| Total interest expense | $4,427,000 | 2,034 |
| Net interest income | $4,636,000 | 3,385 |
| Provision for loan and lease losses | $8,792,000 | 694 |
| Total noninterest income | $346,000 | 4,935 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $54,000 | 6,185 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $292,000 | 3,661 |
| Total noninterest expense | $3,832,000 | 3,617 |
| Salaries and employee benefits | $1,788,000 | 3,871 |
| Premises and equipment expense | $729,000 | 2,674 |
| Additional noninterest expense | $1,315,000 | 3,630 |
| Pre-tax net operating income | $-7,642,000 | 7,659 |
| Securities gains (losses) | $-1,525,000 | 7,900 |
| Applicable income taxes | $-2,627,000 | 7,780 |
| Income before extraordinary items | $-6,540,000 | 7,666 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-6,540,000 | 7,666 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-6,540,000 | 7,666 |
| Net charge-offs | $5,668,000 | 746 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $45,000 | 949 |
| Net operating income | $-5,457,250 | 7,622 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $6,179,000 | 2,741 |
| Total interest expense | $3,085,000 | 2,042 |
| Net interest income | $3,094,000 | 3,367 |
| Provision for loan and lease losses | $8,792,000 | 496 |
| Total noninterest income | $170,000 | 5,508 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $38,000 | 6,142 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $132,000 | 4,332 |
| Total noninterest expense | $2,473,000 | 3,760 |
| Salaries and employee benefits | $1,205,000 | 3,888 |
| Premises and equipment expense | $468,000 | 2,806 |
| Additional noninterest expense | $800,000 | 3,866 |
| Pre-tax net operating income | $-8,001,000 | 7,869 |
| Securities gains (losses) | $-1,015,000 | 8,006 |
| Applicable income taxes | $-2,299,000 | 7,924 |
| Income before extraordinary items | $-6,717,000 | 7,868 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-6,717,000 | 7,867 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-6,717,000 | 7,867 |
| Net charge-offs | $5,187,000 | 569 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $30,000 | 928 |
| Net operating income | $-5,955,750 | 7,855 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $3,125,000 | 2,751 |
| Total interest expense | $1,596,000 | 2,055 |
| Net interest income | $1,529,000 | 3,399 |
| Provision for loan and lease losses | $220,000 | 2,730 |
| Total noninterest income | $61,000 | 6,076 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $19,000 | 6,115 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $42,000 | 5,129 |
| Total noninterest expense | $1,188,000 | 3,794 |
| Salaries and employee benefits | $629,000 | 3,781 |
| Premises and equipment expense | $207,000 | 3,135 |
| Additional noninterest expense | $352,000 | 3,935 |
| Pre-tax net operating income | $182,000 | 4,191 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $28,000 | 3,336 |
| Income before extraordinary items | $154,000 | 4,305 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $154,000 | 4,307 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $154,000 | 4,308 |
| Net charge-offs | $71,000 | 3,222 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $15,000 | 814 |
| Net operating income | $154,000 | 4,140 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $13,128,000 | 2,800 |
| Total interest expense | $7,013,000 | 2,203 |
| Net interest income | $6,115,000 | 3,426 |
| Provision for loan and lease losses | $445,000 | 3,986 |
| Total noninterest income | $843,000 | 3,763 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $91,000 | 6,024 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $752,000 | 2,529 |
| Total noninterest expense | $4,443,000 | 3,921 |
| Salaries and employee benefits | $2,344,000 | 3,962 |
| Premises and equipment expense | $735,000 | 3,388 |
| Additional noninterest expense | $1,364,000 | 3,880 |
| Pre-tax net operating income | $2,070,000 | 2,382 |
| Securities gains (losses) | $-1,166,000 | 7,775 |
| Applicable income taxes | $250,000 | 2,599 |
| Income before extraordinary items | $654,000 | 4,030 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $654,000 | 4,031 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $345,000 | 3,333 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $70,000 | 1,063 |
| Net operating income | $1,493,520 | 2,670 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $9,940,000 | 2,832 |
| Total interest expense | $5,373,000 | 2,240 |
| Net interest income | $4,567,000 | 3,467 |
| Provision for loan and lease losses | $360,000 | 3,240 |
| Total noninterest income | $734,000 | 3,542 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $69,000 | 6,058 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $665,000 | 2,391 |
| Total noninterest expense | $3,343,000 | 3,891 |
| Salaries and employee benefits | $1,786,000 | 3,947 |
| Premises and equipment expense | $563,000 | 3,351 |
| Additional noninterest expense | $994,000 | 3,885 |
| Pre-tax net operating income | $1,598,000 | 2,712 |
| Securities gains (losses) | $-451,000 | 7,744 |
| Applicable income taxes | $390,000 | 2,185 |
| Income before extraordinary items | $757,000 | 3,667 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $757,000 | 3,666 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $246,000 | 2,795 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $72,000 | 868 |
| Net operating income | $1,054,660 | 3,150 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $6,581,000 | 2,890 |
| Total interest expense | $3,657,000 | 2,283 |
| Net interest income | $2,924,000 | 3,562 |
| Provision for loan and lease losses | $215,000 | 3,032 |
| Total noninterest income | $424,000 | 3,897 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $46,000 | 6,062 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $378,000 | 2,677 |
| Total noninterest expense | $2,236,000 | 3,907 |
| Salaries and employee benefits | $1,187,000 | 3,992 |
| Premises and equipment expense | $375,000 | 3,386 |
| Additional noninterest expense | $674,000 | 3,818 |
| Pre-tax net operating income | $897,000 | 3,172 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $322,000 | 2,134 |
| Income before extraordinary items | $575,000 | 3,731 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $575,000 | 3,732 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $150,000 | 2,554 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $48,000 | 779 |
| Net operating income | $575,000 | 3,674 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $3,339,000 | 2,928 |
| Total interest expense | $1,892,000 | 2,352 |
| Net interest income | $1,447,000 | 3,576 |
| Provision for loan and lease losses | $95,000 | 2,798 |
| Total noninterest income | $250,000 | 3,514 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $24,000 | 5,995 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $226,000 | 2,388 |
| Total noninterest expense | $1,121,000 | 3,902 |
| Salaries and employee benefits | $599,000 | 3,982 |
| Premises and equipment expense | $181,000 | 3,483 |
| Additional noninterest expense | $341,000 | 3,739 |
| Pre-tax net operating income | $481,000 | 3,146 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $170,000 | 2,168 |
| Income before extraordinary items | $311,000 | 3,721 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $311,000 | 3,725 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $148,000 | 1,496 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $24,000 | 658 |
| Net operating income | $311,000 | 3,635 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $13,014,000 | 3,062 |
| Total interest expense | $7,037,000 | 2,614 |
| Net interest income | $5,977,000 | 3,502 |
| Provision for loan and lease losses | $155,000 | 4,277 |
| Total noninterest income | $288,000 | 6,095 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $92,000 | 6,127 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $196,000 | 5,103 |
| Total noninterest expense | $4,089,000 | 4,046 |
| Salaries and employee benefits | $2,111,000 | 4,217 |
| Premises and equipment expense | $701,000 | 3,441 |
| Additional noninterest expense | $1,277,000 | 3,895 |
| Pre-tax net operating income | $2,021,000 | 3,294 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $536,000 | 2,647 |
| Income before extraordinary items | $1,485,000 | 3,471 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,485,000 | 3,470 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $323,000 | 2,201 |
| Cash dividends | $500,000 | 3,679 |
| Sale, conversion, retirement of capital stock, net | $65,000 | 1,021 |
| Net operating income | $1,485,000 | 3,459 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $9,566,000 | 3,120 |
| Total interest expense | $5,205,000 | 2,642 |
| Net interest income | $4,361,000 | 3,599 |
| Provision for loan and lease losses | $90,000 | 4,255 |
| Total noninterest income | $238,000 | 5,985 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $68,000 | 6,177 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $170,000 | 4,816 |
| Total noninterest expense | $3,037,000 | 4,062 |
| Salaries and employee benefits | $1,586,000 | 4,203 |
| Premises and equipment expense | $519,000 | 3,454 |
| Additional noninterest expense | $932,000 | 3,911 |
| Pre-tax net operating income | $1,472,000 | 3,524 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $384,000 | 2,854 |
| Income before extraordinary items | $1,088,000 | 3,688 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $1,088,000 | 3,687 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $334,000 | 1,427 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $47,000 | 904 |
| Net operating income | $1,088,000 | 3,671 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $6,250,000 | 3,176 |
| Total interest expense | $3,381,000 | 2,703 |
| Net interest income | $2,869,000 | 3,659 |
| Provision for loan and lease losses | $60,000 | 3,990 |
| Total noninterest income | $193,000 | 5,639 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $45,000 | 6,229 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $148,000 | 4,332 |
| Total noninterest expense | $2,023,000 | 4,097 |
| Salaries and employee benefits | $1,056,000 | 4,243 |
| Premises and equipment expense | $341,000 | 3,521 |
| Additional noninterest expense | $626,000 | 3,895 |
| Pre-tax net operating income | $979,000 | 3,580 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $247,000 | 2,981 |
| Income before extraordinary items | $732,000 | 3,715 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $732,000 | 3,715 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $91,000 | 2,176 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $28,000 | 849 |
| Net operating income | $732,000 | 3,698 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $3,075,000 | 3,219 |
| Total interest expense | $1,654,000 | 2,738 |
| Net interest income | $1,421,000 | 3,696 |
| Provision for loan and lease losses | $30,000 | 3,737 |
| Total noninterest income | $42,000 | 7,055 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $21,000 | 6,298 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $21,000 | 6,540 |
| Total noninterest expense | $1,031,000 | 4,050 |
| Salaries and employee benefits | $517,000 | 4,329 |
| Premises and equipment expense | $164,000 | 3,633 |
| Additional noninterest expense | $350,000 | 3,536 |
| Pre-tax net operating income | $402,000 | 3,984 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $97,000 | 3,309 |
| Income before extraordinary items | $305,000 | 4,128 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $305,000 | 4,129 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $102,000 | 1,168 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $12,000 | 742 |
| Net operating income | $305,000 | 4,105 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $11,698,000 | 3,175 |
| Total interest expense | $5,721,000 | 2,696 |
| Net interest income | $5,977,000 | 3,532 |
| Provision for loan and lease losses | $170,000 | 3,852 |
| Total noninterest income | $893,000 | 3,789 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $101,000 | 6,144 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $792,000 | 2,591 |
| Total noninterest expense | $3,689,000 | 4,225 |
| Salaries and employee benefits | $1,830,000 | 4,567 |
| Premises and equipment expense | $662,000 | 3,487 |
| Additional noninterest expense | $1,197,000 | 3,943 |
| Pre-tax net operating income | $3,011,000 | 2,770 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $1,126,000 | 2,037 |
| Income before extraordinary items | $1,885,000 | 3,222 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,885,000 | 3,221 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-127,000 | 8,531 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $8,000 | 1,172 |
| Net operating income | $1,885,000 | 3,211 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $8,555,000 | 3,209 |
| Total interest expense | $4,049,000 | 2,747 |
| Net interest income | $4,506,000 | 3,537 |
| Provision for loan and lease losses | $140,000 | 3,511 |
| Total noninterest income | $352,000 | 5,277 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $78,000 | 6,184 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $274,000 | 3,908 |
| Total noninterest expense | $2,699,000 | 4,289 |
| Salaries and employee benefits | $1,364,000 | 4,559 |
| Premises and equipment expense | $497,000 | 3,489 |
| Additional noninterest expense | $838,000 | 4,137 |
| Pre-tax net operating income | $2,019,000 | 3,080 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $756,000 | 2,284 |
| Income before extraordinary items | $1,263,000 | 3,607 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,263,000 | 3,609 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $39,000 | 3,504 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $32,000 | 867 |
| Net operating income | $1,263,000 | 3,595 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $5,437,000 | 3,285 |
| Total interest expense | $2,473,000 | 2,846 |
| Net interest income | $2,964,000 | 3,580 |
| Provision for loan and lease losses | $60,000 | 4,062 |
| Total noninterest income | $99,000 | 7,003 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $51,000 | 6,216 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $48,000 | 6,430 |
| Total noninterest expense | $1,729,000 | 4,442 |
| Salaries and employee benefits | $875,000 | 4,704 |
| Premises and equipment expense | $326,000 | 3,531 |
| Additional noninterest expense | $528,000 | 4,299 |
| Pre-tax net operating income | $1,274,000 | 3,219 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $476,000 | 2,391 |
| Income before extraordinary items | $798,000 | 3,756 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $798,000 | 3,759 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $39,000 | 2,779 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $22,000 | 737 |
| Net operating income | $798,000 | 3,746 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $2,623,000 | 3,316 |
| Total interest expense | $1,136,000 | 2,930 |
| Net interest income | $1,487,000 | 3,560 |
| Provision for loan and lease losses | $30,000 | 3,822 |
| Total noninterest income | $56,000 | 6,748 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $28,000 | 6,029 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $28,000 | 6,187 |
| Total noninterest expense | $848,000 | 4,506 |
| Salaries and employee benefits | $419,000 | 4,864 |
| Premises and equipment expense | $162,000 | 3,559 |
| Additional noninterest expense | $267,000 | 4,263 |
| Pre-tax net operating income | $665,000 | 3,084 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $252,000 | 2,264 |
| Income before extraordinary items | $413,000 | 3,617 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $413,000 | 3,616 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $39,000 | 1,701 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $413,000 | 3,598 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $8,925,000 | 3,449 |
| Total interest expense | $3,321,000 | 3,071 |
| Net interest income | $5,604,000 | 3,634 |
| Provision for loan and lease losses | $377,000 | 2,376 |
| Total noninterest income | $342,000 | 6,066 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $128,000 | 5,896 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $214,000 | 5,039 |
| Total noninterest expense | $3,070,000 | 4,694 |
| Salaries and employee benefits | $1,568,000 | 4,910 |
| Premises and equipment expense | $463,000 | 4,407 |
| Additional noninterest expense | $1,039,000 | 4,290 |
| Pre-tax net operating income | $2,499,000 | 3,163 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $1,019,000 | 2,239 |
| Income before extraordinary items | $1,480,000 | 3,813 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,480,000 | 3,814 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $43,000 | 4,476 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,480,000 | 3,781 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $6,368,000 | 3,524 |
| Total interest expense | $2,267,000 | 3,167 |
| Net interest income | $4,101,000 | 3,687 |
| Provision for loan and lease losses | $290,000 | 2,252 |
| Total noninterest income | $276,000 | 5,951 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $98,000 | 5,896 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $178,000 | 4,857 |
| Total noninterest expense | $2,258,000 | 4,723 |
| Salaries and employee benefits | $1,224,000 | 4,768 |
| Premises and equipment expense | $310,000 | 4,731 |
| Additional noninterest expense | $724,000 | 4,522 |
| Pre-tax net operating income | $1,829,000 | 3,264 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $731,000 | 2,331 |
| Income before extraordinary items | $1,098,000 | 3,908 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,098,000 | 3,909 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $46,000 | 3,611 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,098,000 | 3,865 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $4,015,000 | 3,621 |
| Total interest expense | $1,395,000 | 3,231 |
| Net interest income | $2,620,000 | 3,784 |
| Provision for loan and lease losses | $200,000 | 2,158 |
| Total noninterest income | $215,000 | 5,574 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $66,000 | 5,832 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $149,000 | 4,338 |
| Total noninterest expense | $1,511,000 | 4,704 |
| Salaries and employee benefits | $798,000 | 4,814 |
| Premises and equipment expense | $205,000 | 4,749 |
| Additional noninterest expense | $508,000 | 4,322 |
| Pre-tax net operating income | $1,124,000 | 3,415 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $445,000 | 2,438 |
| Income before extraordinary items | $679,000 | 4,079 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $679,000 | 4,080 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $38,000 | 3,069 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $679,000 | 4,021 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,907,000 | 3,741 |
| Total interest expense | $653,000 | 3,283 |
| Net interest income | $1,254,000 | 3,917 |
| Provision for loan and lease losses | $110,000 | 1,892 |
| Total noninterest income | $158,000 | 4,574 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $31,000 | 5,927 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $127,000 | 3,295 |
| Total noninterest expense | $740,000 | 4,790 |
| Salaries and employee benefits | $379,000 | 5,007 |
| Premises and equipment expense | $106,000 | 4,677 |
| Additional noninterest expense | $255,000 | 4,301 |
| Pre-tax net operating income | $562,000 | 3,379 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $230,000 | 2,377 |
| Income before extraordinary items | $332,000 | 4,093 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $332,000 | 4,095 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-26,000 | 8,424 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $332,000 | 4,053 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $6,481,000 | 4,028 |
| Total interest expense | $2,203,000 | 3,370 |
| Net interest income | $4,278,000 | 4,279 |
| Provision for loan and lease losses | $411,000 | 2,314 |
| Total noninterest income | $131,000 | 7,789 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $170,000 | 5,553 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $-39,000 | 8,952 |
| Total noninterest expense | $2,865,000 | 4,813 |
| Salaries and employee benefits | $1,456,000 | 5,054 |
| Premises and equipment expense | $484,000 | 4,191 |
| Additional noninterest expense | $925,000 | 4,607 |
| Pre-tax net operating income | $1,133,000 | 4,936 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $180,000 | 4,880 |
| Income before extraordinary items | $953,000 | 4,820 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $953,000 | 4,820 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $171,000 | 2,833 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $953,000 | 4,752 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $4,690,000 | 4,120 |
| Total interest expense | $1,604,000 | 3,412 |
| Net interest income | $3,086,000 | 4,381 |
| Provision for loan and lease losses | $306,000 | 2,233 |
| Total noninterest income | $96,000 | 7,856 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $130,000 | 5,557 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $-34,000 | 9,010 |
| Total noninterest expense | $2,175,000 | 4,722 |
| Salaries and employee benefits | $1,120,000 | 4,913 |
| Premises and equipment expense | $367,000 | 4,143 |
| Additional noninterest expense | $688,000 | 4,589 |
| Pre-tax net operating income | $701,000 | 5,518 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $55,000 | 5,897 |
| Income before extraordinary items | $646,000 | 5,168 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $646,000 | 5,167 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $81,000 | 3,115 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $646,000 | 5,085 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,982,000 | 4,275 |
| Total interest expense | $1,033,000 | 3,516 |
| Net interest income | $1,949,000 | 4,554 |
| Provision for loan and lease losses | $186,000 | 2,325 |
| Total noninterest income | $8,000 | 8,925 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $88,000 | 5,534 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $-80,000 | 9,080 |
| Total noninterest expense | $1,448,000 | 4,761 |
| Salaries and employee benefits | $719,000 | 5,067 |
| Premises and equipment expense | $244,000 | 4,149 |
| Additional noninterest expense | $485,000 | 4,406 |
| Pre-tax net operating income | $323,000 | 6,353 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $323,000 | 5,872 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $323,000 | 5,872 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $36,000 | 3,456 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $323,000 | 5,790 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,414,000 | 4,450 |
| Total interest expense | $497,000 | 3,665 |
| Net interest income | $917,000 | 4,762 |
| Provision for loan and lease losses | $121,000 | 1,780 |
| Total noninterest income | $43,000 | 7,478 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $46,000 | 5,389 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $-3,000 | 9,074 |
| Total noninterest expense | $722,000 | 4,816 |
| Salaries and employee benefits | $361,000 | 5,076 |
| Premises and equipment expense | $121,000 | 4,212 |
| Additional noninterest expense | $240,000 | 4,461 |
| Pre-tax net operating income | $117,000 | 6,895 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $117,000 | 6,569 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $117,000 | 6,568 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $61,000 | 1,783 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $117,000 | 6,453 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $4,854,000 | 4,994 |
| Total interest expense | $1,876,000 | 4,219 |
| Net interest income | $2,978,000 | 5,330 |
| Provision for loan and lease losses | $284,000 | 3,310 |
| Total noninterest income | $319,000 | 6,466 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $197,000 | 5,297 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $122,000 | 6,193 |
| Total noninterest expense | $2,597,000 | 5,084 |
| Salaries and employee benefits | $1,324,000 | 5,290 |
| Premises and equipment expense | $467,000 | 4,277 |
| Additional noninterest expense | $806,000 | 5,021 |
| Pre-tax net operating income | $416,000 | 6,968 |
| Securities gains (losses) | $-7,000 | 8,734 |
| Applicable income taxes | $0 | 7,459 |
| Income before extraordinary items | $409,000 | 6,775 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $409,000 | 6,779 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $89,000 | 4,263 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $416,000 | 6,577 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $3,565,000 | 5,133 |
| Total interest expense | $1,395,000 | 4,375 |
| Net interest income | $2,170,000 | 5,447 |
| Provision for loan and lease losses | $216,000 | 3,212 |
| Total noninterest income | $268,000 | 6,248 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $146,000 | 5,371 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $122,000 | 5,712 |
| Total noninterest expense | $1,952,000 | 5,061 |
| Salaries and employee benefits | $982,000 | 5,306 |
| Premises and equipment expense | $355,000 | 4,226 |
| Additional noninterest expense | $615,000 | 4,922 |
| Pre-tax net operating income | $270,000 | 7,331 |
| Securities gains (losses) | $-7,000 | 8,911 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $263,000 | 7,170 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $263,000 | 7,171 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $86,000 | 3,469 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $270,000 | 6,953 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,341,000 | 5,216 |
| Total interest expense | $931,000 | 4,478 |
| Net interest income | $1,410,000 | 5,529 |
| Provision for loan and lease losses | $102,000 | 3,820 |
| Total noninterest income | $100,000 | 7,400 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $90,000 | 5,497 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $10,000 | 8,463 |
| Total noninterest expense | $1,311,000 | 5,030 |
| Salaries and employee benefits | $647,000 | 5,376 |
| Premises and equipment expense | $226,000 | 4,361 |
| Additional noninterest expense | $438,000 | 4,690 |
| Pre-tax net operating income | $97,000 | 8,034 |
| Securities gains (losses) | $-7,000 | 9,022 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $90,000 | 8,057 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $90,000 | 8,059 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 3,999 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $97,000 | 7,820 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,175,000 | 5,234 |
| Total interest expense | $464,000 | 4,580 |
| Net interest income | $711,000 | 5,505 |
| Provision for loan and lease losses | $44,000 | 4,021 |
| Total noninterest income | $39,000 | 7,793 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $36,000 | 5,904 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $3,000 | 8,754 |
| Total noninterest expense | $669,000 | 4,957 |
| Salaries and employee benefits | $320,000 | 5,425 |
| Premises and equipment expense | $116,000 | 4,277 |
| Additional noninterest expense | $233,000 | 4,460 |
| Pre-tax net operating income | $37,000 | 8,200 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $37,000 | 8,150 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $37,000 | 8,151 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $37,000 | 8,009 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $4,505,000 | 5,521 |
| Total interest expense | $2,015,000 | 4,771 |
| Net interest income | $2,490,000 | 5,926 |
| Provision for loan and lease losses | $235,000 | 4,028 |
| Total noninterest income | $224,000 | 7,076 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $164,000 | 5,663 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $60,000 | 7,355 |
| Total noninterest expense | $2,350,000 | 5,298 |
| Salaries and employee benefits | $1,180,000 | 5,540 |
| Premises and equipment expense | $485,000 | 4,028 |
| Additional noninterest expense | $685,000 | 5,477 |
| Pre-tax net operating income | $129,000 | 8,202 |
| Securities gains (losses) | $28,000 | 2,890 |
| Applicable income taxes | $0 | 7,681 |
| Income before extraordinary items | $157,000 | 8,053 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $157,000 | 8,054 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $95,000 | 4,259 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $129,000 | 8,097 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $2,905,000 | 7,355 |
| Total interest expense | $1,647,000 | 6,696 |
| Net interest income | $1,258,000 | 7,762 |
| Provision for loan and lease losses | $186,000 | 4,286 |
| Total noninterest income | $131,000 | 8,086 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $108,000 | 6,430 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $23,000 | 8,600 |
| Total noninterest expense | $1,882,000 | 5,968 |
| Salaries and employee benefits | $960,000 | 6,134 |
| Premises and equipment expense | $323,000 | 5,297 |
| Additional noninterest expense | $599,000 | 5,848 |
| Pre-tax net operating income | $-679,000 | 9,238 |
| Securities gains (losses) | $70,000 | 2,049 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $-609,000 | 9,282 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-609,000 | 9,283 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $171,000 | 3,149 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $-679,000 | 9,273 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $1,340,000 | 9,103 |
| Total interest expense | $637,000 | 8,974 |
| Net interest income | $703,000 | 9,111 |
| Provision for loan and lease losses | $250,000 | 3,225 |
| Total noninterest income | $48,000 | 9,366 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $40,000 | 7,855 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $8,000 | 9,518 |
| Total noninterest expense | $1,206,000 | 7,483 |
| Salaries and employee benefits | $639,000 | 7,499 |
| Premises and equipment expense | $179,000 | 7,097 |
| Additional noninterest expense | $388,000 | 7,244 |
| Pre-tax net operating income | $-705,000 | 9,637 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $0 | 8,362 |
| Income before extraordinary items | $-705,000 | 9,660 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $-705,000 | 9,659 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,622 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $-705,000 | 9,660 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $77,000 | 10,196 |
| Total interest expense | $5,000 | 10,182 |
| Net interest income | $72,000 | 10,180 |
| Provision for loan and lease losses | $100,000 | 5,206 |
| Total noninterest income | $0 | 10,180 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 8,885 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $0 | 10,153 |
| Total noninterest expense | $432,000 | 9,790 |
| Salaries and employee benefits | $122,000 | 10,103 |
| Premises and equipment expense | $21,000 | 10,076 |
| Additional noninterest expense | $289,000 | 8,207 |
| Pre-tax net operating income | $-460,000 | 9,822 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $-460,000 | 9,877 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-460,000 | 9,874 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,897 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $5,280,000 | 230 |
| Net operating income | $-460,000 | 9,855 |
* 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.