Home > The Clyde Savings Bank Company > Income and Expense
The Clyde Savings Bank Company, Income and Expense
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,515,000 | 4,826 |
| Total interest expense | $630,000 | 4,959 |
| Net interest income | $1,885,000 | 4,673 |
| Provision for loan and lease losses | $20,000 | 5,844 |
| Total noninterest income | $401,000 | 4,085 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $176,000 | 3,970 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $225,000 | 3,524 |
| Total noninterest expense | $1,401,000 | 4,877 |
| Salaries and employee benefits | $668,000 | 5,348 |
| Premises and equipment expense | $117,000 | 6,389 |
| Additional noninterest expense | $616,000 | 3,671 |
| Pre-tax net operating income | $865,000 | 3,908 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $289,000 | 3,139 |
| Income before extraordinary items | $576,000 | 4,361 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $576,000 | 4,362 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $222,000 | 1,278 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $576,000 | 4,266 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,263,000 | 4,827 |
| Total interest expense | $312,000 | 5,048 |
| Net interest income | $951,000 | 4,638 |
| Provision for loan and lease losses | $20,000 | 4,792 |
| Total noninterest income | $200,000 | 4,064 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $87,000 | 3,922 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $113,000 | 3,446 |
| Total noninterest expense | $703,000 | 4,904 |
| Salaries and employee benefits | $317,000 | 5,552 |
| Premises and equipment expense | $56,000 | 6,504 |
| Additional noninterest expense | $330,000 | 3,467 |
| Pre-tax net operating income | $428,000 | 3,918 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $143,000 | 3,179 |
| Income before extraordinary items | $285,000 | 4,409 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $285,000 | 4,408 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $180,000 | 881 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $285,000 | 4,284 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $4,832,000 | 5,012 |
| Total interest expense | $1,497,000 | 4,876 |
| Net interest income | $3,335,000 | 4,956 |
| Provision for loan and lease losses | $293,000 | 3,250 |
| Total noninterest income | $976,000 | 3,781 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $413,000 | 3,572 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $563,000 | 3,374 |
| Total noninterest expense | $2,878,000 | 4,742 |
| Salaries and employee benefits | $1,350,000 | 5,213 |
| Premises and equipment expense | $239,000 | 6,312 |
| Additional noninterest expense | $1,289,000 | 3,515 |
| Pre-tax net operating income | $1,140,000 | 4,803 |
| Securities gains (losses) | $-4,000 | 8,670 |
| Applicable income taxes | $377,000 | 3,901 |
| Income before extraordinary items | $759,000 | 5,368 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $759,000 | 5,369 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $59,000 | 4,862 |
| Cash dividends | $1,113,000 | 2,160 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $761,680 | 5,213 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $4,315,000 | 4,475 |
| Total interest expense | $1,169,000 | 4,897 |
| Net interest income | $3,146,000 | 4,234 |
| Provision for loan and lease losses | $68,000 | 5,354 |
| Total noninterest income | $783,000 | 3,694 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $304,000 | 3,628 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $479,000 | 3,208 |
| Total noninterest expense | $2,188,000 | 4,674 |
| Salaries and employee benefits | $1,032,000 | 5,143 |
| Premises and equipment expense | $184,000 | 6,226 |
| Additional noninterest expense | $972,000 | 3,472 |
| Pre-tax net operating income | $1,673,000 | 3,253 |
| Securities gains (losses) | $-4,000 | 8,850 |
| Applicable income taxes | $561,000 | 2,803 |
| Income before extraordinary items | $1,108,000 | 3,719 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,108,000 | 3,719 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $38,000 | 4,621 |
| Cash dividends | $1,113,000 | 1,615 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,110,640 | 3,538 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,900,000 | 4,484 |
| Total interest expense | $819,000 | 4,856 |
| Net interest income | $2,081,000 | 4,273 |
| Provision for loan and lease losses | $53,000 | 5,070 |
| Total noninterest income | $574,000 | 3,462 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $198,000 | 3,654 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $376,000 | 2,887 |
| Total noninterest expense | $1,476,000 | 4,647 |
| Salaries and employee benefits | $700,000 | 5,086 |
| Premises and equipment expense | $125,000 | 6,160 |
| Additional noninterest expense | $651,000 | 3,449 |
| Pre-tax net operating income | $1,126,000 | 3,229 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $379,000 | 2,792 |
| Income before extraordinary items | $747,000 | 3,681 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $747,000 | 3,681 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 3,999 |
| Cash dividends | $738,000 | 1,659 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $747,000 | 3,489 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,457,000 | 4,502 |
| Total interest expense | $434,000 | 4,780 |
| Net interest income | $1,023,000 | 4,331 |
| Provision for loan and lease losses | $30,000 | 4,429 |
| Total noninterest income | $288,000 | 3,344 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $94,000 | 3,690 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $194,000 | 2,773 |
| Total noninterest expense | $731,000 | 4,659 |
| Salaries and employee benefits | $344,000 | 5,152 |
| Premises and equipment expense | $67,000 | 5,985 |
| Additional noninterest expense | $320,000 | 3,457 |
| Pre-tax net operating income | $550,000 | 3,286 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $185,000 | 2,834 |
| Income before extraordinary items | $365,000 | 3,692 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $365,000 | 3,690 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $63,000 | 1,943 |
| Cash dividends | $346,000 | 1,631 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $365,000 | 3,517 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $6,660,000 | 4,213 |
| Total interest expense | $2,419,000 | 4,214 |
| Net interest income | $4,241,000 | 4,163 |
| Provision for loan and lease losses | $130,000 | 5,190 |
| Total noninterest income | $833,000 | 3,885 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $413,000 | 3,458 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $420,000 | 3,616 |
| Total noninterest expense | $2,774,000 | 4,715 |
| Salaries and employee benefits | $1,320,000 | 5,153 |
| Premises and equipment expense | $245,000 | 6,211 |
| Additional noninterest expense | $1,209,000 | 3,592 |
| Pre-tax net operating income | $2,170,000 | 3,243 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $727,000 | 2,762 |
| Income before extraordinary items | $1,443,000 | 3,603 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,443,000 | 3,602 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $91,000 | 4,337 |
| Cash dividends | $1,333,000 | 1,803 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,443,000 | 3,501 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $8,060,000 | 4,001 |
| Total interest expense | $3,464,000 | 4,242 |
| Net interest income | $4,596,000 | 3,683 |
| Provision for loan and lease losses | $158,000 | 4,678 |
| Total noninterest income | $890,000 | 3,595 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $370,000 | 3,606 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $520,000 | 3,057 |
| Total noninterest expense | $3,250,000 | 4,078 |
| Salaries and employee benefits | $1,828,000 | 3,869 |
| Premises and equipment expense | $266,000 | 5,897 |
| Additional noninterest expense | $1,156,000 | 3,618 |
| Pre-tax net operating income | $2,078,000 | 3,092 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $712,000 | 2,633 |
| Income before extraordinary items | $1,366,000 | 3,465 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,366,000 | 3,468 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $222,000 | 2,691 |
| Cash dividends | $1,690,000 | 1,513 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,366,000 | 3,368 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $8,224,000 | 4,038 |
| Total interest expense | $3,761,000 | 4,168 |
| Net interest income | $4,463,000 | 3,823 |
| Provision for loan and lease losses | $123,000 | 4,793 |
| Total noninterest income | $593,000 | 4,441 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $288,000 | 4,176 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $305,000 | 3,878 |
| Total noninterest expense | $2,400,000 | 4,989 |
| Salaries and employee benefits | $1,387,000 | 4,658 |
| Premises and equipment expense | $259,000 | 5,916 |
| Additional noninterest expense | $754,000 | 4,921 |
| Pre-tax net operating income | $2,533,000 | 2,735 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $865,000 | 2,380 |
| Income before extraordinary items | $1,668,000 | 2,984 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,668,000 | 2,981 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $242,000 | 2,104 |
| Cash dividends | $1,078,000 | 2,146 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,668,000 | 2,971 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $7,184,000 | 4,299 |
| Total interest expense | $2,813,000 | 4,837 |
| Net interest income | $4,371,000 | 3,877 |
| Provision for loan and lease losses | $96,000 | 5,335 |
| Total noninterest income | $558,000 | 4,643 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $273,000 | 4,258 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $285,000 | 4,129 |
| Total noninterest expense | $2,465,000 | 4,936 |
| Salaries and employee benefits | $1,422,000 | 4,536 |
| Premises and equipment expense | $267,000 | 5,840 |
| Additional noninterest expense | $776,000 | 4,903 |
| Pre-tax net operating income | $2,368,000 | 2,920 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $780,000 | 2,697 |
| Income before extraordinary items | $1,588,000 | 3,105 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,588,000 | 3,106 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $91,000 | 3,756 |
| Cash dividends | $817,000 | 2,624 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,588,000 | 3,076 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $6,350,000 | 4,794 |
| Total interest expense | $2,639,000 | 5,182 |
| Net interest income | $3,711,000 | 4,378 |
| Provision for loan and lease losses | $158,000 | 4,049 |
| Total noninterest income | $1,042,000 | 2,986 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $264,000 | 4,319 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $778,000 | 2,216 |
| Total noninterest expense | $2,322,000 | 5,024 |
| Salaries and employee benefits | $1,301,000 | 4,758 |
| Premises and equipment expense | $238,000 | 6,142 |
| Additional noninterest expense | $783,000 | 4,754 |
| Pre-tax net operating income | $2,273,000 | 3,008 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $768,000 | 2,831 |
| Income before extraordinary items | $1,505,000 | 3,251 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,505,000 | 3,252 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 5,812 |
| Cash dividends | $763,000 | 2,683 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,505,000 | 3,163 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $6,068,000 | 5,017 |
| Total interest expense | $2,606,000 | 5,252 |
| Net interest income | $3,462,000 | 4,773 |
| Provision for loan and lease losses | $226,000 | 3,180 |
| Total noninterest income | $634,000 | 4,265 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $254,000 | 4,617 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $380,000 | 3,400 |
| Total noninterest expense | $2,199,000 | 5,294 |
| Salaries and employee benefits | $1,163,000 | 5,231 |
| Premises and equipment expense | $269,000 | 5,812 |
| Additional noninterest expense | $767,000 | 4,879 |
| Pre-tax net operating income | $1,671,000 | 4,092 |
| Securities gains (losses) | $2,000 | 3,292 |
| Applicable income taxes | $548,000 | 3,949 |
| Income before extraordinary items | $1,125,000 | 4,280 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,125,000 | 4,281 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $36,000 | 5,655 |
| Cash dividends | $1,993,000 | 1,333 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,123,660 | 4,227 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $5,711,000 | 5,365 |
| Total interest expense | $2,348,000 | 5,759 |
| Net interest income | $3,363,000 | 4,994 |
| Provision for loan and lease losses | $150,000 | 4,046 |
| Total noninterest income | $368,000 | 6,228 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $255,000 | 4,758 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $113,000 | 6,777 |
| Total noninterest expense | $2,204,000 | 5,535 |
| Salaries and employee benefits | $1,135,000 | 5,462 |
| Premises and equipment expense | $268,000 | 5,987 |
| Additional noninterest expense | $801,000 | 5,196 |
| Pre-tax net operating income | $1,377,000 | 4,637 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $439,000 | 4,584 |
| Income before extraordinary items | $938,000 | 4,735 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $938,000 | 4,736 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 6,429 |
| Cash dividends | $464,000 | 3,578 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $938,000 | 4,681 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $5,236,000 | 5,797 |
| Total interest expense | $2,262,000 | 5,954 |
| Net interest income | $2,974,000 | 5,532 |
| Provision for loan and lease losses | $148,000 | 3,696 |
| Total noninterest income | $325,000 | 6,785 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $239,000 | 5,078 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $86,000 | 7,713 |
| Total noninterest expense | $1,978,000 | 6,038 |
| Salaries and employee benefits | $1,056,000 | 5,783 |
| Premises and equipment expense | $243,000 | 6,462 |
| Additional noninterest expense | $679,000 | 5,999 |
| Pre-tax net operating income | $1,173,000 | 5,333 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $348,000 | 5,465 |
| Income before extraordinary items | $825,000 | 5,329 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $825,000 | 5,325 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 6,638 |
| Cash dividends | $361,000 | 4,105 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $825,000 | 5,302 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,816,000 | 5,834 |
| Total interest expense | $2,087,000 | 5,423 |
| Net interest income | $2,729,000 | 6,048 |
| Provision for loan and lease losses | $110,000 | 4,343 |
| Total noninterest income | $337,000 | 6,818 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $214,000 | 5,601 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $123,000 | 6,852 |
| Total noninterest expense | $2,015,000 | 6,169 |
| Salaries and employee benefits | $890,000 | 6,706 |
| Premises and equipment expense | $280,000 | 6,002 |
| Additional noninterest expense | $845,000 | 5,448 |
| Pre-tax net operating income | $941,000 | 6,212 |
| Securities gains (losses) | $-64,000 | 11,223 |
| Applicable income taxes | $216,000 | 7,080 |
| Income before extraordinary items | $661,000 | 6,143 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $661,000 | 6,163 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 6,413 |
| Cash dividends | $1,301,000 | 1,558 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $709,000 | 5,920 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,947,000 | 5,837 |
| Total interest expense | $2,255,000 | 5,262 |
| Net interest income | $2,692,000 | 6,178 |
| Provision for loan and lease losses | $79,000 | 6,364 |
| Total noninterest income | $279,000 | 7,948 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $190,000 | 6,163 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $89,000 | 8,282 |
| Total noninterest expense | $1,792,000 | 6,912 |
| Salaries and employee benefits | $829,000 | 7,145 |
| Premises and equipment expense | $229,000 | 7,114 |
| Additional noninterest expense | $734,000 | 6,337 |
| Pre-tax net operating income | $1,100,000 | 5,513 |
| Securities gains (losses) | $3,000 | 6,505 |
| Applicable income taxes | $285,000 | 6,264 |
| Income before extraordinary items | $818,000 | 5,470 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $818,000 | 5,610 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 8,052 |
| Cash dividends | $483,000 | 3,204 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $815,780 | 5,248 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $5,407,000 | 5,979 |
| Total interest expense | $2,754,000 | 5,544 |
| Net interest income | $2,653,000 | 6,310 |
| Provision for loan and lease losses | $134,000 | 6,421 |
| Total noninterest income | $260,000 | 8,338 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $172,000 | 6,565 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $88,000 | 8,520 |
| Total noninterest expense | $1,774,000 | 7,033 |
| Salaries and employee benefits | $865,000 | 6,839 |
| Premises and equipment expense | $209,000 | 7,640 |
| Additional noninterest expense | $700,000 | 6,746 |
| Pre-tax net operating income | $1,005,000 | 5,596 |
| Securities gains (losses) | $3,000 | 7,429 |
| Applicable income taxes | $252,000 | 6,625 |
| Income before extraordinary items | $756,000 | 5,600 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $756,000 | 5,659 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $83,000 | 6,366 |
| Cash dividends | $270,000 | 4,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $753,750 | 5,278 |
* 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.