Home > Mount Sterling Bank > Income and Expense
Mount Sterling Bank, Income and Expense
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,860,000 | 4,385 |
| Total interest expense | $799,000 | 4,292 |
| Net interest income | $2,061,000 | 4,381 |
| Provision for loan and lease losses | $120,000 | 3,090 |
| Total noninterest income | $420,000 | 3,988 |
| Gross Fiduciary activities income | $1,000 | 1,443 |
| Service charges on deposit accounts | $357,000 | 2,351 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $62,000 | 6,075 |
| Total noninterest expense | $1,473,000 | 4,722 |
| Salaries and employee benefits | $733,000 | 5,001 |
| Premises and equipment expense | $129,000 | 6,121 |
| Additional noninterest expense | $611,000 | 3,694 |
| Pre-tax net operating income | $888,000 | 3,834 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $247,000 | 3,410 |
| Income before extraordinary items | $641,000 | 4,056 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $641,000 | 4,057 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-15,000 | 8,320 |
| Cash dividends | $900,000 | 1,395 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $641,000 | 3,978 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,438,000 | 4,406 |
| Total interest expense | $400,000 | 4,340 |
| Net interest income | $1,038,000 | 4,367 |
| Provision for loan and lease losses | $60,000 | 2,918 |
| Total noninterest income | $194,000 | 4,135 |
| Gross Fiduciary activities income | $1,000 | 1,344 |
| Service charges on deposit accounts | $170,000 | 2,405 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $23,000 | 6,579 |
| Total noninterest expense | $731,000 | 4,771 |
| Salaries and employee benefits | $359,000 | 5,099 |
| Premises and equipment expense | $65,000 | 6,100 |
| Additional noninterest expense | $307,000 | 3,682 |
| Pre-tax net operating income | $441,000 | 3,834 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $123,000 | 3,454 |
| Income before extraordinary items | $318,000 | 4,123 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $318,000 | 4,122 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-30,000 | 8,707 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $318,000 | 3,978 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $5,803,000 | 4,400 |
| Total interest expense | $1,830,000 | 4,295 |
| Net interest income | $3,973,000 | 4,391 |
| Provision for loan and lease losses | $345,000 | 2,886 |
| Total noninterest income | $833,000 | 4,135 |
| Gross Fiduciary activities income | $1,000 | 1,575 |
| Service charges on deposit accounts | $721,000 | 2,306 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $111,000 | 6,356 |
| Total noninterest expense | $2,835,000 | 4,789 |
| Salaries and employee benefits | $1,432,000 | 5,012 |
| Premises and equipment expense | $249,000 | 6,190 |
| Additional noninterest expense | $1,154,000 | 3,838 |
| Pre-tax net operating income | $1,626,000 | 3,913 |
| Securities gains (losses) | $5,000 | 3,903 |
| Applicable income taxes | $444,000 | 3,590 |
| Income before extraordinary items | $1,187,000 | 4,168 |
| Extraordinary gains, net | $211,000 | 20 |
| Net income | $1,398,000 | 3,731 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $230,000 | 2,642 |
| Cash dividends | $1,650,000 | 1,618 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,183,350 | 4,005 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $4,355,000 | 4,450 |
| Total interest expense | $1,408,000 | 4,335 |
| Net interest income | $2,947,000 | 4,442 |
| Provision for loan and lease losses | $205,000 | 3,293 |
| Total noninterest income | $634,000 | 4,153 |
| Gross Fiduciary activities income | $1,000 | 1,533 |
| Service charges on deposit accounts | $535,000 | 2,341 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $98,000 | 6,119 |
| Total noninterest expense | $2,218,000 | 4,626 |
| Salaries and employee benefits | $1,146,000 | 4,779 |
| Premises and equipment expense | $193,000 | 6,092 |
| Additional noninterest expense | $879,000 | 3,773 |
| Pre-tax net operating income | $1,158,000 | 4,173 |
| Securities gains (losses) | $5,000 | 3,620 |
| Applicable income taxes | $312,000 | 3,843 |
| Income before extraordinary items | $851,000 | 4,442 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $851,000 | 4,442 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $146,000 | 2,642 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $847,350 | 4,286 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,921,000 | 4,458 |
| Total interest expense | $952,000 | 4,410 |
| Net interest income | $1,969,000 | 4,442 |
| Provision for loan and lease losses | $145,000 | 3,188 |
| Total noninterest income | $419,000 | 4,140 |
| Gross Fiduciary activities income | $1,000 | 1,488 |
| Service charges on deposit accounts | $357,000 | 2,304 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $61,000 | 6,230 |
| Total noninterest expense | $1,472,000 | 4,657 |
| Salaries and employee benefits | $761,000 | 4,804 |
| Premises and equipment expense | $129,000 | 6,077 |
| Additional noninterest expense | $582,000 | 3,788 |
| Pre-tax net operating income | $771,000 | 4,157 |
| Securities gains (losses) | $2,000 | 3,460 |
| Applicable income taxes | $207,000 | 3,888 |
| Income before extraordinary items | $566,000 | 4,457 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $566,000 | 4,456 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $93,000 | 2,606 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $564,540 | 4,250 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,466,000 | 4,486 |
| Total interest expense | $479,000 | 4,474 |
| Net interest income | $987,000 | 4,442 |
| Provision for loan and lease losses | $85,000 | 2,667 |
| Total noninterest income | $195,000 | 4,228 |
| Gross Fiduciary activities income | $1,000 | 1,409 |
| Service charges on deposit accounts | $180,000 | 2,223 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $14,000 | 7,447 |
| Total noninterest expense | $723,000 | 4,696 |
| Salaries and employee benefits | $375,000 | 4,856 |
| Premises and equipment expense | $59,000 | 6,332 |
| Additional noninterest expense | $289,000 | 3,765 |
| Pre-tax net operating income | $374,000 | 4,208 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $99,000 | 3,958 |
| Income before extraordinary items | $275,000 | 4,468 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $275,000 | 4,468 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $55,000 | 2,091 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $275,000 | 4,271 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $6,116,000 | 4,498 |
| Total interest expense | $2,240,000 | 4,465 |
| Net interest income | $3,876,000 | 4,451 |
| Provision for loan and lease losses | $178,000 | 4,620 |
| Total noninterest income | $603,000 | 4,720 |
| Gross Fiduciary activities income | $1,000 | 1,652 |
| Service charges on deposit accounts | $505,000 | 2,951 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $97,000 | 6,503 |
| Total noninterest expense | $2,861,000 | 4,617 |
| Salaries and employee benefits | $1,505,000 | 4,686 |
| Premises and equipment expense | $261,000 | 5,987 |
| Additional noninterest expense | $1,095,000 | 3,899 |
| Pre-tax net operating income | $1,440,000 | 4,222 |
| Securities gains (losses) | $2,000 | 4,234 |
| Applicable income taxes | $388,000 | 3,945 |
| Income before extraordinary items | $1,054,000 | 4,448 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,054,000 | 4,449 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $172,000 | 3,259 |
| Cash dividends | $300,000 | 4,293 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,052,540 | 4,342 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $6,781,000 | 4,535 |
| Total interest expense | $2,978,000 | 4,757 |
| Net interest income | $3,803,000 | 4,284 |
| Provision for loan and lease losses | $90,000 | 5,778 |
| Total noninterest income | $576,000 | 4,689 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $469,000 | 2,989 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $107,000 | 6,284 |
| Total noninterest expense | $3,365,000 | 3,950 |
| Salaries and employee benefits | $1,479,000 | 4,567 |
| Premises and equipment expense | $259,000 | 5,977 |
| Additional noninterest expense | $1,627,000 | 2,675 |
| Pre-tax net operating income | $924,000 | 5,108 |
| Securities gains (losses) | $38,000 | 2,612 |
| Applicable income taxes | $418,000 | 3,651 |
| Income before extraordinary items | $544,000 | 5,872 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $544,000 | 5,875 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $138,000 | 3,513 |
| Cash dividends | $700,000 | 2,851 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $519,680 | 5,861 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $7,140,000 | 4,507 |
| Total interest expense | $3,073,000 | 4,830 |
| Net interest income | $4,067,000 | 4,128 |
| Provision for loan and lease losses | $298,000 | 2,909 |
| Total noninterest income | $571,000 | 4,541 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $478,000 | 2,802 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $93,000 | 6,597 |
| Total noninterest expense | $3,100,000 | 4,121 |
| Salaries and employee benefits | $1,329,000 | 4,822 |
| Premises and equipment expense | $220,000 | 6,456 |
| Additional noninterest expense | $1,551,000 | 2,724 |
| Pre-tax net operating income | $1,240,000 | 4,643 |
| Securities gains (losses) | $2,000 | 1,609 |
| Applicable income taxes | $503,000 | 3,472 |
| Income before extraordinary items | $739,000 | 5,265 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $739,000 | 5,264 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $279,000 | 1,917 |
| Cash dividends | $475,000 | 3,653 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $737,720 | 5,272 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $6,919,000 | 4,447 |
| Total interest expense | $2,974,000 | 4,639 |
| Net interest income | $3,945,000 | 4,230 |
| Provision for loan and lease losses | $383,000 | 2,183 |
| Total noninterest income | $560,000 | 4,628 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $470,000 | 2,774 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $90,000 | 6,873 |
| Total noninterest expense | $3,141,000 | 4,062 |
| Salaries and employee benefits | $1,349,000 | 4,730 |
| Premises and equipment expense | $248,000 | 6,065 |
| Additional noninterest expense | $1,544,000 | 2,798 |
| Pre-tax net operating income | $981,000 | 5,367 |
| Securities gains (losses) | $16,000 | 1,502 |
| Applicable income taxes | $389,000 | 4,244 |
| Income before extraordinary items | $608,000 | 5,855 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $608,000 | 5,852 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $282,000 | 1,905 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $597,760 | 5,890 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $6,959,000 | 4,420 |
| Total interest expense | $3,021,000 | 4,698 |
| Net interest income | $3,938,000 | 4,171 |
| Provision for loan and lease losses | $282,000 | 2,761 |
| Total noninterest income | $590,000 | 4,435 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $480,000 | 2,646 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $110,000 | 6,403 |
| Total noninterest expense | $3,032,000 | 4,076 |
| Salaries and employee benefits | $1,313,000 | 4,722 |
| Premises and equipment expense | $239,000 | 6,124 |
| Additional noninterest expense | $1,480,000 | 2,817 |
| Pre-tax net operating income | $1,214,000 | 4,847 |
| Securities gains (losses) | $14,000 | 2,712 |
| Applicable income taxes | $488,000 | 3,907 |
| Income before extraordinary items | $740,000 | 5,441 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $740,000 | 5,440 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $325,000 | 1,750 |
| Cash dividends | $1,450,000 | 1,713 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $731,040 | 5,368 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $6,913,000 | 4,545 |
| Total interest expense | $2,891,000 | 4,869 |
| Net interest income | $4,022,000 | 4,220 |
| Provision for loan and lease losses | $413,000 | 2,047 |
| Total noninterest income | $599,000 | 4,414 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $473,000 | 2,765 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $126,000 | 6,144 |
| Total noninterest expense | $2,995,000 | 4,102 |
| Salaries and employee benefits | $1,390,000 | 4,531 |
| Premises and equipment expense | $254,000 | 6,002 |
| Additional noninterest expense | $1,351,000 | 2,999 |
| Pre-tax net operating income | $1,213,000 | 5,212 |
| Securities gains (losses) | $4,000 | 2,936 |
| Applicable income taxes | $471,000 | 4,396 |
| Income before extraordinary items | $746,000 | 5,692 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $746,000 | 5,695 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $314,000 | 1,906 |
| Cash dividends | $750,000 | 2,657 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $743,440 | 5,661 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $4,859,000 | 6,067 |
| Total interest expense | $2,009,000 | 6,390 |
| Net interest income | $2,850,000 | 5,655 |
| Provision for loan and lease losses | $295,000 | 2,626 |
| Total noninterest income | $494,000 | 5,211 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $264,000 | 4,635 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $230,000 | 4,788 |
| Total noninterest expense | $1,939,000 | 6,071 |
| Salaries and employee benefits | $1,027,000 | 5,879 |
| Premises and equipment expense | $207,000 | 6,906 |
| Additional noninterest expense | $705,000 | 5,719 |
| Pre-tax net operating income | $1,110,000 | 5,381 |
| Securities gains (losses) | $-3,000 | 9,684 |
| Applicable income taxes | $405,000 | 4,857 |
| Income before extraordinary items | $702,000 | 5,754 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $702,000 | 5,755 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $151,000 | 3,153 |
| Cash dividends | $200,000 | 5,388 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $703,920 | 5,693 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $5,771,000 | 5,374 |
| Total interest expense | $2,184,000 | 6,120 |
| Net interest income | $3,587,000 | 4,751 |
| Provision for loan and lease losses | $250,000 | 2,552 |
| Total noninterest income | $626,000 | 4,440 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $339,000 | 3,876 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $287,000 | 4,109 |
| Total noninterest expense | $2,376,000 | 5,216 |
| Salaries and employee benefits | $1,511,000 | 4,259 |
| Premises and equipment expense | $311,000 | 5,475 |
| Additional noninterest expense | $554,000 | 6,830 |
| Pre-tax net operating income | $1,587,000 | 4,254 |
| Securities gains (losses) | $2,000 | 3,270 |
| Applicable income taxes | $426,000 | 4,727 |
| Income before extraordinary items | $1,163,000 | 4,062 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,163,000 | 4,060 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $187,000 | 2,609 |
| Cash dividends | $1,911,000 | 1,289 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,161,540 | 4,048 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $5,102,000 | 5,588 |
| Total interest expense | $1,685,000 | 6,370 |
| Net interest income | $3,417,000 | 5,048 |
| Provision for loan and lease losses | $240,000 | 2,662 |
| Total noninterest income | $551,000 | 4,944 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $303,000 | 4,324 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $248,000 | 4,617 |
| Total noninterest expense | $2,408,000 | 5,330 |
| Salaries and employee benefits | $1,395,000 | 4,585 |
| Premises and equipment expense | $326,000 | 5,358 |
| Additional noninterest expense | $687,000 | 6,416 |
| Pre-tax net operating income | $1,320,000 | 4,885 |
| Securities gains (losses) | $-8,000 | 9,681 |
| Applicable income taxes | $320,000 | 5,625 |
| Income before extraordinary items | $992,000 | 4,578 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $992,000 | 4,579 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $177,000 | 2,702 |
| Cash dividends | $801,000 | 2,267 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $998,080 | 4,592 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,814,000 | 5,968 |
| Total interest expense | $1,436,000 | 7,423 |
| Net interest income | $3,378,000 | 5,115 |
| Provision for loan and lease losses | $290,000 | 3,092 |
| Total noninterest income | $643,000 | 4,724 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $253,000 | 5,067 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $390,000 | 3,812 |
| Total noninterest expense | $2,568,000 | 5,154 |
| Salaries and employee benefits | $1,418,000 | 4,495 |
| Premises and equipment expense | $252,000 | 6,639 |
| Additional noninterest expense | $898,000 | 5,376 |
| Pre-tax net operating income | $1,163,000 | 5,294 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $232,000 | 7,070 |
| Income before extraordinary items | $931,000 | 4,962 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $931,000 | 5,106 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $198,000 | 3,162 |
| Cash dividends | $317,000 | 4,253 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $931,000 | 4,733 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,980,000 | 6,412 |
| Total interest expense | $1,856,000 | 7,460 |
| Net interest income | $3,124,000 | 5,531 |
| Provision for loan and lease losses | $340,000 | 3,839 |
| Total noninterest income | $636,000 | 4,754 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $249,000 | 5,154 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $387,000 | 3,783 |
| Total noninterest expense | $2,308,000 | 5,670 |
| Salaries and employee benefits | $1,279,000 | 4,894 |
| Premises and equipment expense | $303,000 | 5,926 |
| Additional noninterest expense | $726,000 | 6,577 |
| Pre-tax net operating income | $1,112,000 | 5,216 |
| Securities gains (losses) | $2,000 | 7,695 |
| Applicable income taxes | $275,000 | 6,284 |
| Income before extraordinary items | $839,000 | 5,169 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $839,000 | 5,228 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $184,000 | 4,385 |
| Cash dividends | $823,000 | 1,858 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $837,500 | 4,874 |
* 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.