Home > Mooresville Savings Bank, SSB > Income and Expense
Mooresville Savings Bank, SSB, Income and Expense
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $6,892,000 | 3,814 |
| Total interest expense | $3,567,000 | 3,207 |
| Net interest income | $3,325,000 | 4,293 |
| Provision for loan and lease losses | $0 | 6,991 |
| Total noninterest income | $160,000 | 6,504 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $157,000 | 4,733 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $3,000 | 7,993 |
| Total noninterest expense | $3,075,000 | 4,144 |
| Salaries and employee benefits | $1,976,000 | 3,649 |
| Premises and equipment expense | $337,000 | 4,768 |
| Additional noninterest expense | $762,000 | 4,699 |
| Pre-tax net operating income | $410,000 | 5,236 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $153,000 | 3,208 |
| Income before extraordinary items | $257,000 | 5,411 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $257,000 | 5,408 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $203,000 | 3,043 |
| Cash dividends | $392,000 | 3,078 |
| Sale, conversion, retirement of capital stock, net | $15,000 | 1,118 |
| Net operating income | $257,000 | 5,588 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $4,600,000 | 3,865 |
| Total interest expense | $2,438,000 | 3,250 |
| Net interest income | $2,162,000 | 4,363 |
| Provision for loan and lease losses | $0 | 6,671 |
| Total noninterest income | $110,000 | 6,520 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $109,000 | 4,678 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $1,000 | 8,142 |
| Total noninterest expense | $2,037,000 | 4,179 |
| Salaries and employee benefits | $1,299,000 | 3,729 |
| Premises and equipment expense | $233,000 | 4,700 |
| Additional noninterest expense | $505,000 | 4,704 |
| Pre-tax net operating income | $235,000 | 5,591 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $87,000 | 3,597 |
| Income before extraordinary items | $148,000 | 5,988 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $148,000 | 5,986 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $201,000 | 2,235 |
| Cash dividends | $239,000 | 3,248 |
| Sale, conversion, retirement of capital stock, net | $-4,000 | 8,371 |
| Net operating income | $148,000 | 5,934 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $2,318,000 | 3,922 |
| Total interest expense | $1,242,000 | 3,372 |
| Net interest income | $1,076,000 | 4,385 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $54,000 | 6,542 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $53,000 | 4,696 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $1,000 | 8,110 |
| Total noninterest expense | $990,000 | 4,268 |
| Salaries and employee benefits | $625,000 | 3,856 |
| Premises and equipment expense | $119,000 | 4,656 |
| Additional noninterest expense | $246,000 | 4,747 |
| Pre-tax net operating income | $140,000 | 5,555 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $54,000 | 3,490 |
| Income before extraordinary items | $86,000 | 6,027 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $86,000 | 6,029 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $202,000 | 1,263 |
| Cash dividends | $153,000 | 2,563 |
| Sale, conversion, retirement of capital stock, net | $-9,000 | 8,424 |
| Net operating income | $86,000 | 5,935 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $9,544,000 | 3,885 |
| Total interest expense | $5,084,000 | 3,424 |
| Net interest income | $4,460,000 | 4,315 |
| Provision for loan and lease losses | $164,000 | 4,204 |
| Total noninterest income | $222,000 | 6,586 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $214,000 | 4,763 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $8,000 | 8,113 |
| Total noninterest expense | $3,835,000 | 4,248 |
| Salaries and employee benefits | $2,456,000 | 3,774 |
| Premises and equipment expense | $388,000 | 5,120 |
| Additional noninterest expense | $991,000 | 4,697 |
| Pre-tax net operating income | $683,000 | 5,488 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $214,000 | 3,775 |
| Income before extraordinary items | $469,000 | 5,793 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $469,000 | 5,791 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $199,000 | 2,876 |
| Cash dividends | $840,000 | 2,899 |
| Sale, conversion, retirement of capital stock, net | $15,000 | 1,208 |
| Net operating income | $469,000 | 5,789 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $7,225,000 | 3,876 |
| Total interest expense | $3,807,000 | 3,428 |
| Net interest income | $3,418,000 | 4,280 |
| Provision for loan and lease losses | $0 | 6,528 |
| Total noninterest income | $162,000 | 6,663 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $154,000 | 4,873 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $8,000 | 8,099 |
| Total noninterest expense | $3,103,000 | 3,991 |
| Salaries and employee benefits | $2,040,000 | 3,472 |
| Premises and equipment expense | $284,000 | 5,167 |
| Additional noninterest expense | $779,000 | 4,455 |
| Pre-tax net operating income | $477,000 | 5,858 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $197,000 | 3,735 |
| Income before extraordinary items | $280,000 | 6,416 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $280,000 | 6,413 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $113,000 | 2,678 |
| Cash dividends | $687,000 | 2,502 |
| Sale, conversion, retirement of capital stock, net | $24,000 | 1,007 |
| Net operating income | $280,000 | 6,406 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $4,768,000 | 3,912 |
| Total interest expense | $2,522,000 | 3,430 |
| Net interest income | $2,246,000 | 4,354 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $109,000 | 6,709 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $102,000 | 4,904 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $7,000 | 8,056 |
| Total noninterest expense | $2,096,000 | 3,986 |
| Salaries and employee benefits | $1,409,000 | 3,409 |
| Premises and equipment expense | $179,000 | 5,354 |
| Additional noninterest expense | $508,000 | 4,529 |
| Pre-tax net operating income | $259,000 | 6,300 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $96,000 | 4,166 |
| Income before extraordinary items | $163,000 | 6,637 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $163,000 | 6,638 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $108,000 | 1,978 |
| Cash dividends | $531,000 | 2,360 |
| Sale, conversion, retirement of capital stock, net | $31,000 | 833 |
| Net operating income | $163,000 | 6,630 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $2,367,000 | 3,926 |
| Total interest expense | $1,297,000 | 3,328 |
| Net interest income | $1,070,000 | 4,500 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $57,000 | 6,621 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $56,000 | 4,665 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $1,000 | 8,340 |
| Total noninterest expense | $1,076,000 | 3,907 |
| Salaries and employee benefits | $719,000 | 3,385 |
| Premises and equipment expense | $86,000 | 5,493 |
| Additional noninterest expense | $271,000 | 4,272 |
| Pre-tax net operating income | $51,000 | 7,262 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $8,000 | 5,466 |
| Income before extraordinary items | $43,000 | 7,253 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $43,000 | 7,253 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $107,000 | 1,127 |
| Cash dividends | $376,000 | 1,730 |
| Sale, conversion, retirement of capital stock, net | $34,000 | 564 |
| Net operating income | $43,000 | 7,246 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $9,078,000 | 3,842 |
| Total interest expense | $4,464,000 | 3,307 |
| Net interest income | $4,614,000 | 4,275 |
| Provision for loan and lease losses | $0 | 6,850 |
| Total noninterest income | $241,000 | 6,594 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $217,000 | 4,808 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $24,000 | 7,865 |
| Total noninterest expense | $4,309,000 | 3,759 |
| Salaries and employee benefits | $2,878,000 | 3,251 |
| Premises and equipment expense | $401,000 | 4,905 |
| Additional noninterest expense | $1,030,000 | 4,418 |
| Pre-tax net operating income | $546,000 | 6,331 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $181,000 | 4,402 |
| Income before extraordinary items | $365,000 | 6,657 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $365,000 | 6,661 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $83,000 | 3,401 |
| Cash dividends | $514,000 | 3,662 |
| Sale, conversion, retirement of capital stock, net | $-2,000 | 8,570 |
| Net operating income | $365,000 | 6,655 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $6,680,000 | 3,867 |
| Total interest expense | $3,217,000 | 3,313 |
| Net interest income | $3,463,000 | 4,278 |
| Provision for loan and lease losses | $24,000 | 5,878 |
| Total noninterest income | $187,000 | 6,590 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $164,000 | 4,842 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $23,000 | 7,743 |
| Total noninterest expense | $3,310,000 | 3,683 |
| Salaries and employee benefits | $2,175,000 | 3,224 |
| Premises and equipment expense | $302,000 | 4,924 |
| Additional noninterest expense | $833,000 | 4,152 |
| Pre-tax net operating income | $316,000 | 6,940 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $107,000 | 4,862 |
| Income before extraordinary items | $209,000 | 7,173 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $209,000 | 7,177 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $83,000 | 2,570 |
| Cash dividends | $356,000 | 3,426 |
| Sale, conversion, retirement of capital stock, net | $4,000 | 1,004 |
| Net operating income | $209,000 | 7,164 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $4,352,000 | 3,889 |
| Total interest expense | $2,049,000 | 3,314 |
| Net interest income | $2,303,000 | 4,289 |
| Provision for loan and lease losses | $24,000 | 5,394 |
| Total noninterest income | $134,000 | 6,446 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $112,000 | 4,755 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $22,000 | 7,458 |
| Total noninterest expense | $2,152,000 | 3,764 |
| Salaries and employee benefits | $1,445,000 | 3,238 |
| Premises and equipment expense | $187,000 | 5,145 |
| Additional noninterest expense | $520,000 | 4,350 |
| Pre-tax net operating income | $261,000 | 6,704 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $92,000 | 4,613 |
| Income before extraordinary items | $169,000 | 7,010 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $169,000 | 7,013 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $93,000 | 1,792 |
| Cash dividends | $199,000 | 3,741 |
| Sale, conversion, retirement of capital stock, net | $4,000 | 839 |
| Net operating income | $169,000 | 7,015 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $2,134,000 | 3,885 |
| Total interest expense | $979,000 | 3,306 |
| Net interest income | $1,155,000 | 4,267 |
| Provision for loan and lease losses | $18,000 | 4,638 |
| Total noninterest income | $76,000 | 6,181 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $55,000 | 4,737 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $21,000 | 6,631 |
| Total noninterest expense | $1,075,000 | 3,790 |
| Salaries and employee benefits | $698,000 | 3,343 |
| Premises and equipment expense | $96,000 | 5,080 |
| Additional noninterest expense | $281,000 | 4,104 |
| Pre-tax net operating income | $138,000 | 6,572 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $49,000 | 4,519 |
| Income before extraordinary items | $89,000 | 6,905 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $89,000 | 6,906 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 4,110 |
| Cash dividends | $109,000 | 3,008 |
| Sale, conversion, retirement of capital stock, net | $2,000 | 621 |
| Net operating income | $89,000 | 6,902 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $8,069,000 | 3,721 |
| Total interest expense | $3,171,000 | 3,176 |
| Net interest income | $4,898,000 | 4,012 |
| Provision for loan and lease losses | $57,000 | 5,617 |
| Total noninterest income | $289,000 | 6,391 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $245,000 | 4,613 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $44,000 | 7,520 |
| Total noninterest expense | $4,255,000 | 3,688 |
| Salaries and employee benefits | $2,906,000 | 3,055 |
| Premises and equipment expense | $387,000 | 4,956 |
| Additional noninterest expense | $962,000 | 4,553 |
| Pre-tax net operating income | $875,000 | 5,695 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $277,000 | 4,229 |
| Income before extraordinary items | $598,000 | 6,012 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $598,000 | 6,015 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $57,000 | 4,108 |
| Cash dividends | $1,140,000 | 2,235 |
| Sale, conversion, retirement of capital stock, net | $4,000 | 913 |
| Net operating income | $598,000 | 5,978 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $6,002,000 | 3,711 |
| Total interest expense | $2,263,000 | 3,173 |
| Net interest income | $3,739,000 | 3,955 |
| Provision for loan and lease losses | $39,000 | 5,588 |
| Total noninterest income | $221,000 | 6,386 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $185,000 | 4,627 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $36,000 | 7,455 |
| Total noninterest expense | $3,171,000 | 3,678 |
| Salaries and employee benefits | $2,113,000 | 3,121 |
| Premises and equipment expense | $296,000 | 4,886 |
| Additional noninterest expense | $762,000 | 4,343 |
| Pre-tax net operating income | $750,000 | 5,504 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $289,000 | 3,864 |
| Income before extraordinary items | $461,000 | 6,072 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $461,000 | 6,077 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 4,742 |
| Cash dividends | $977,000 | 1,839 |
| Sale, conversion, retirement of capital stock, net | $-1,000 | 8,771 |
| Net operating income | $461,000 | 6,044 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $3,925,000 | 3,694 |
| Total interest expense | $1,422,000 | 3,183 |
| Net interest income | $2,503,000 | 3,923 |
| Provision for loan and lease losses | $21,000 | 5,614 |
| Total noninterest income | $160,000 | 6,205 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $125,000 | 4,565 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $35,000 | 6,983 |
| Total noninterest expense | $2,115,000 | 3,659 |
| Salaries and employee benefits | $1,397,000 | 3,121 |
| Premises and equipment expense | $204,000 | 4,762 |
| Additional noninterest expense | $514,000 | 4,281 |
| Pre-tax net operating income | $527,000 | 5,342 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $188,000 | 3,886 |
| Income before extraordinary items | $339,000 | 5,866 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $339,000 | 5,869 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 4,061 |
| Cash dividends | $814,000 | 1,550 |
| Sale, conversion, retirement of capital stock, net | $-1,000 | 8,799 |
| Net operating income | $339,000 | 5,814 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,936,000 | 3,691 |
| Total interest expense | $676,000 | 3,205 |
| Net interest income | $1,260,000 | 3,901 |
| Provision for loan and lease losses | $9,000 | 5,480 |
| Total noninterest income | $62,000 | 6,684 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $60,000 | 4,608 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $2,000 | 8,574 |
| Total noninterest expense | $1,078,000 | 3,629 |
| Salaries and employee benefits | $715,000 | 3,072 |
| Premises and equipment expense | $95,000 | 5,050 |
| Additional noninterest expense | $268,000 | 4,145 |
| Pre-tax net operating income | $235,000 | 5,595 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $73,000 | 4,232 |
| Income before extraordinary items | $162,000 | 5,937 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $162,000 | 5,938 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 3,295 |
| Cash dividends | $652,000 | 963 |
| Sale, conversion, retirement of capital stock, net | $-1,000 | 8,875 |
| Net operating income | $162,000 | 5,897 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $7,435,000 | 3,624 |
| Total interest expense | $2,450,000 | 3,099 |
| Net interest income | $4,985,000 | 3,809 |
| Provision for loan and lease losses | $36,000 | 6,265 |
| Total noninterest income | $323,000 | 6,251 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $225,000 | 4,967 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $98,000 | 6,463 |
| Total noninterest expense | $3,826,000 | 3,893 |
| Salaries and employee benefits | $2,622,000 | 3,220 |
| Premises and equipment expense | $328,000 | 5,424 |
| Additional noninterest expense | $876,000 | 4,788 |
| Pre-tax net operating income | $1,446,000 | 4,335 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $491,000 | 3,387 |
| Income before extraordinary items | $955,000 | 4,813 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $955,000 | 4,813 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 6,343 |
| Cash dividends | $1,692,000 | 1,581 |
| Sale, conversion, retirement of capital stock, net | $3,000 | 850 |
| Net operating income | $955,000 | 4,746 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $5,506,000 | 3,637 |
| Total interest expense | $1,808,000 | 3,095 |
| Net interest income | $3,698,000 | 3,832 |
| Provision for loan and lease losses | $27,000 | 6,080 |
| Total noninterest income | $168,000 | 6,995 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $165,000 | 5,072 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $3,000 | 8,783 |
| Total noninterest expense | $2,996,000 | 3,717 |
| Salaries and employee benefits | $2,072,000 | 3,037 |
| Premises and equipment expense | $251,000 | 5,329 |
| Additional noninterest expense | $673,000 | 4,671 |
| Pre-tax net operating income | $843,000 | 5,045 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $324,000 | 3,662 |
| Income before extraordinary items | $519,000 | 5,727 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $519,000 | 5,727 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 5,993 |
| Cash dividends | $1,528,000 | 1,225 |
| Sale, conversion, retirement of capital stock, net | $4,000 | 708 |
| Net operating income | $519,000 | 5,658 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $3,640,000 | 3,664 |
| Total interest expense | $1,208,000 | 3,065 |
| Net interest income | $2,432,000 | 3,870 |
| Provision for loan and lease losses | $18,000 | 5,953 |
| Total noninterest income | $116,000 | 6,962 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $113,000 | 4,994 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $3,000 | 8,756 |
| Total noninterest expense | $1,998,000 | 3,738 |
| Salaries and employee benefits | $1,381,000 | 3,063 |
| Premises and equipment expense | $176,000 | 5,184 |
| Additional noninterest expense | $441,000 | 4,748 |
| Pre-tax net operating income | $532,000 | 5,148 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $174,000 | 4,006 |
| Income before extraordinary items | $358,000 | 5,609 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $358,000 | 5,609 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 5,680 |
| Cash dividends | $1,365,000 | 975 |
| Sale, conversion, retirement of capital stock, net | $3,000 | 611 |
| Net operating income | $358,000 | 5,526 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,831,000 | 3,652 |
| Total interest expense | $612,000 | 3,068 |
| Net interest income | $1,219,000 | 3,849 |
| Provision for loan and lease losses | $9,000 | 5,706 |
| Total noninterest income | $61,000 | 6,830 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $59,000 | 4,847 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $2,000 | 8,709 |
| Total noninterest expense | $1,009,000 | 3,732 |
| Salaries and employee benefits | $687,000 | 3,080 |
| Premises and equipment expense | $92,000 | 5,093 |
| Additional noninterest expense | $230,000 | 4,601 |
| Pre-tax net operating income | $262,000 | 5,152 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $86,000 | 4,024 |
| Income before extraordinary items | $176,000 | 5,644 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $176,000 | 5,645 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $692,000 | 932 |
| Sale, conversion, retirement of capital stock, net | $-4,000 | 9,075 |
| Net operating income | $176,000 | 5,524 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $7,931,000 | 3,473 |
| Total interest expense | $2,889,000 | 2,969 |
| Net interest income | $5,042,000 | 3,650 |
| Provision for loan and lease losses | $36,000 | 6,612 |
| Total noninterest income | $351,000 | 6,252 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $268,000 | 4,579 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $83,000 | 6,824 |
| Total noninterest expense | $3,771,000 | 3,871 |
| Salaries and employee benefits | $2,441,000 | 3,328 |
| Premises and equipment expense | $368,000 | 5,014 |
| Additional noninterest expense | $962,000 | 4,400 |
| Pre-tax net operating income | $1,586,000 | 3,979 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $562,000 | 3,185 |
| Income before extraordinary items | $1,024,000 | 4,582 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,024,000 | 4,583 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 5,982 |
| Cash dividends | $1,224,000 | 2,026 |
| Sale, conversion, retirement of capital stock, net | $-42,000 | 9,090 |
| Net operating income | $1,024,000 | 4,407 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $6,049,000 | 3,464 |
| Total interest expense | $2,237,000 | 2,969 |
| Net interest income | $3,812,000 | 3,659 |
| Provision for loan and lease losses | $27,000 | 6,482 |
| Total noninterest income | $291,000 | 6,079 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $210,000 | 4,482 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $81,000 | 6,450 |
| Total noninterest expense | $2,998,000 | 3,709 |
| Salaries and employee benefits | $1,999,000 | 3,093 |
| Premises and equipment expense | $265,000 | 5,134 |
| Additional noninterest expense | $734,000 | 4,334 |
| Pre-tax net operating income | $1,078,000 | 4,352 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $346,000 | 3,659 |
| Income before extraordinary items | $732,000 | 4,864 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $732,000 | 4,864 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 5,233 |
| Cash dividends | $1,224,000 | 1,498 |
| Sale, conversion, retirement of capital stock, net | $-16,000 | 9,144 |
| Net operating income | $732,000 | 4,672 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $4,012,000 | 3,509 |
| Total interest expense | $1,537,000 | 2,975 |
| Net interest income | $2,475,000 | 3,730 |
| Provision for loan and lease losses | $18,000 | 6,396 |
| Total noninterest income | $148,000 | 6,675 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $145,000 | 4,376 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $3,000 | 8,960 |
| Total noninterest expense | $1,985,000 | 3,714 |
| Salaries and employee benefits | $1,338,000 | 3,078 |
| Premises and equipment expense | $175,000 | 5,140 |
| Additional noninterest expense | $472,000 | 4,430 |
| Pre-tax net operating income | $620,000 | 4,743 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $199,000 | 3,974 |
| Income before extraordinary items | $421,000 | 5,269 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $421,000 | 5,269 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 4,597 |
| Cash dividends | $874,000 | 1,478 |
| Sale, conversion, retirement of capital stock, net | $-16,000 | 9,194 |
| Net operating income | $421,000 | 5,069 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,056,000 | 3,446 |
| Total interest expense | $788,000 | 2,982 |
| Net interest income | $1,268,000 | 3,652 |
| Provision for loan and lease losses | $9,000 | 6,152 |
| Total noninterest income | $88,000 | 6,207 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $86,000 | 3,914 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $2,000 | 8,884 |
| Total noninterest expense | $1,023,000 | 3,586 |
| Salaries and employee benefits | $691,000 | 2,989 |
| Premises and equipment expense | $80,000 | 5,448 |
| Additional noninterest expense | $252,000 | 4,193 |
| Pre-tax net operating income | $324,000 | 4,597 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $110,000 | 3,771 |
| Income before extraordinary items | $214,000 | 5,147 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $214,000 | 5,146 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 3,284 |
| Cash dividends | $699,000 | 936 |
| Sale, conversion, retirement of capital stock, net | $-7,000 | 9,255 |
| Net operating income | $214,000 | 4,956 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $9,242,000 | 3,226 |
| Total interest expense | $3,682,000 | 2,953 |
| Net interest income | $5,560,000 | 3,343 |
| Provision for loan and lease losses | $0 | 8,089 |
| Total noninterest income | $270,000 | 6,696 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $239,000 | 4,809 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $31,000 | 8,166 |
| Total noninterest expense | $4,140,000 | 3,472 |
| Salaries and employee benefits | $2,676,000 | 2,945 |
| Premises and equipment expense | $320,000 | 5,360 |
| Additional noninterest expense | $1,144,000 | 3,754 |
| Pre-tax net operating income | $1,690,000 | 3,805 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $627,000 | 3,048 |
| Income before extraordinary items | $1,063,000 | 4,425 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,063,000 | 4,427 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 5,834 |
| Cash dividends | $13,696,000 | 289 |
| Sale, conversion, retirement of capital stock, net | $-48,000 | 9,235 |
| Net operating income | $1,063,000 | 4,316 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $10,876,000 | 3,082 |
| Total interest expense | $5,687,000 | 2,800 |
| Net interest income | $5,189,000 | 3,335 |
| Provision for loan and lease losses | $0 | 8,228 |
| Total noninterest income | $254,000 | 6,828 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $242,000 | 4,728 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $12,000 | 9,046 |
| Total noninterest expense | $5,376,000 | 2,631 |
| Salaries and employee benefits | $3,730,000 | 2,015 |
| Premises and equipment expense | $385,000 | 4,711 |
| Additional noninterest expense | $1,261,000 | 3,345 |
| Pre-tax net operating income | $67,000 | 8,477 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $87,000 | 6,165 |
| Income before extraordinary items | $-20,000 | 8,856 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-20,000 | 8,856 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 7,017 |
| Cash dividends | $287,000 | 4,473 |
| Sale, conversion, retirement of capital stock, net | $273,000 | 554 |
| Net operating income | $-20,000 | 8,777 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $11,351,000 | 3,035 |
| Total interest expense | $5,318,000 | 3,138 |
| Net interest income | $6,033,000 | 2,925 |
| Provision for loan and lease losses | $0 | 8,337 |
| Total noninterest income | $295,000 | 6,346 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $194,000 | 5,173 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $101,000 | 6,404 |
| Total noninterest expense | $3,945,000 | 3,370 |
| Salaries and employee benefits | $2,641,000 | 2,697 |
| Premises and equipment expense | $280,000 | 5,651 |
| Additional noninterest expense | $1,024,000 | 3,920 |
| Pre-tax net operating income | $2,383,000 | 2,876 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $891,000 | 2,333 |
| Income before extraordinary items | $1,492,000 | 3,270 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,492,000 | 3,269 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 9,044 |
| Cash dividends | $1,407,000 | 1,733 |
| Sale, conversion, retirement of capital stock, net | $254,000 | 610 |
| Net operating income | $1,492,000 | 3,267 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $10,090,000 | 3,195 |
| Total interest expense | $3,988,000 | 3,594 |
| Net interest income | $6,102,000 | 2,880 |
| Provision for loan and lease losses | $0 | 8,503 |
| Total noninterest income | $314,000 | 6,321 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $162,000 | 5,653 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $152,000 | 5,571 |
| Total noninterest expense | $4,248,000 | 3,137 |
| Salaries and employee benefits | $3,283,000 | 2,143 |
| Premises and equipment expense | $192,000 | 6,941 |
| Additional noninterest expense | $773,000 | 4,917 |
| Pre-tax net operating income | $2,168,000 | 3,135 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $817,000 | 2,597 |
| Income before extraordinary items | $1,351,000 | 3,524 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,351,000 | 3,524 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 9,087 |
| Cash dividends | $1,295,000 | 1,876 |
| Sale, conversion, retirement of capital stock, net | $1,035,000 | 503 |
| Net operating income | $1,351,000 | 3,490 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $9,998,000 | 3,236 |
| Total interest expense | $4,096,000 | 3,609 |
| Net interest income | $5,902,000 | 2,926 |
| Provision for loan and lease losses | $215,000 | 3,365 |
| Total noninterest income | $325,000 | 6,253 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $149,000 | 5,953 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $176,000 | 5,282 |
| Total noninterest expense | $3,394,000 | 3,710 |
| Salaries and employee benefits | $2,042,000 | 3,269 |
| Premises and equipment expense | $361,000 | 4,778 |
| Additional noninterest expense | $991,000 | 3,999 |
| Pre-tax net operating income | $2,618,000 | 2,667 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $862,000 | 2,570 |
| Income before extraordinary items | $1,756,000 | 2,848 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,756,000 | 2,849 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 6,814 |
| Cash dividends | $674,000 | 2,922 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,756,000 | 2,764 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $8,997,000 | 3,587 |
| Total interest expense | $4,820,000 | 3,089 |
| Net interest income | $4,177,000 | 4,080 |
| Provision for loan and lease losses | $335,000 | 2,401 |
| Total noninterest income | $190,000 | 7,963 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $158,000 | 6,042 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $32,000 | 9,236 |
| Total noninterest expense | $2,990,000 | 4,107 |
| Salaries and employee benefits | $1,842,000 | 3,560 |
| Premises and equipment expense | $244,000 | 6,139 |
| Additional noninterest expense | $904,000 | 4,292 |
| Pre-tax net operating income | $1,042,000 | 5,709 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $375,000 | 5,087 |
| Income before extraordinary items | $667,000 | 6,040 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $667,000 | 6,042 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 5,964 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $14,134,000 | 59 |
| Net operating income | $667,000 | 5,992 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $8,678,000 | 3,728 |
| Total interest expense | $4,659,000 | 3,205 |
| Net interest income | $4,019,000 | 4,307 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $213,000 | 8,046 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $149,000 | 6,483 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $64,000 | 8,317 |
| Total noninterest expense | $3,144,000 | 4,148 |
| Salaries and employee benefits | $1,426,000 | 4,523 |
| Premises and equipment expense | $204,000 | 6,963 |
| Additional noninterest expense | $1,514,000 | 3,089 |
| Pre-tax net operating income | $1,088,000 | 5,450 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $368,000 | 5,153 |
| Income before extraordinary items | $720,000 | 5,677 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $720,000 | 5,677 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 7,694 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $720,000 | 5,623 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $7,947,000 | 4,039 |
| Total interest expense | $4,416,000 | 3,363 |
| Net interest income | $3,531,000 | 4,831 |
| Provision for loan and lease losses | $12,000 | 8,132 |
| Total noninterest income | $235,000 | 7,916 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $149,000 | 6,689 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $86,000 | 7,713 |
| Total noninterest expense | $2,671,000 | 4,710 |
| Salaries and employee benefits | $1,405,000 | 4,548 |
| Premises and equipment expense | $301,000 | 5,611 |
| Additional noninterest expense | $965,000 | 4,493 |
| Pre-tax net operating income | $1,083,000 | 5,659 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $304,000 | 5,951 |
| Income before extraordinary items | $779,000 | 5,548 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $779,000 | 5,546 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 7,181 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $779,000 | 5,534 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $7,295,000 | 4,074 |
| Total interest expense | $3,483,000 | 3,466 |
| Net interest income | $3,812,000 | 4,568 |
| Provision for loan and lease losses | $29,000 | 7,250 |
| Total noninterest income | $315,000 | 7,052 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $155,000 | 6,770 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $160,000 | 6,008 |
| Total noninterest expense | $2,816,000 | 4,655 |
| Salaries and employee benefits | $1,314,000 | 4,828 |
| Premises and equipment expense | $280,000 | 6,002 |
| Additional noninterest expense | $1,222,000 | 3,995 |
| Pre-tax net operating income | $1,282,000 | 4,993 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $407,000 | 4,702 |
| Income before extraordinary items | $875,000 | 5,024 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $875,000 | 5,029 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 8,198 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $875,000 | 5,070 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $7,572,000 | 4,019 |
| Total interest expense | $3,951,000 | 3,203 |
| Net interest income | $3,621,000 | 4,811 |
| Provision for loan and lease losses | $102,000 | 5,694 |
| Total noninterest income | $180,000 | 9,605 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $146,000 | 7,195 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $34,000 | 11,040 |
| Total noninterest expense | $2,378,000 | 5,508 |
| Salaries and employee benefits | $1,201,000 | 5,240 |
| Premises and equipment expense | $283,000 | 6,138 |
| Additional noninterest expense | $894,000 | 5,394 |
| Pre-tax net operating income | $1,321,000 | 4,803 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $465,000 | 4,452 |
| Income before extraordinary items | $856,000 | 5,280 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $856,000 | 5,424 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 6,663 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $856,000 | 5,064 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $8,439,000 | 4,097 |
| Total interest expense | $4,926,000 | 3,357 |
| Net interest income | $3,513,000 | 4,994 |
| Provision for loan and lease losses | $188,000 | 5,392 |
| Total noninterest income | $248,000 | 8,523 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $248,000 | 4,980 |
| Total noninterest expense | $2,216,000 | 5,882 |
| Salaries and employee benefits | $1,222,000 | 5,078 |
| Premises and equipment expense | $431,000 | 4,524 |
| Additional noninterest expense | $563,000 | 7,837 |
| Pre-tax net operating income | $1,357,000 | 4,448 |
| Securities gains (losses) | $922,000 | 697 |
| Applicable income taxes | $912,000 | 2,292 |
| Income before extraordinary items | $1,367,000 | 3,356 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,367,000 | 3,399 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $35,000 | 8,252 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $776,920 | 5,167 |
* 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.