Home > Vermillion State Bank > Income and Expense
Vermillion State Bank, Income and Expense
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $851,000 | 8,064 |
| Total interest expense | $332,000 | 7,950 |
| Net interest income | $519,000 | 8,068 |
| Provision for loan and lease losses | $9,000 | 7,198 |
| Total noninterest income | $50,000 | 7,742 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $36,000 | 6,825 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $14,000 | 7,582 |
| Total noninterest expense | $345,000 | 8,224 |
| Salaries and employee benefits | $196,000 | 8,205 |
| Premises and equipment expense | $50,000 | 8,046 |
| Additional noninterest expense | $99,000 | 8,207 |
| Pre-tax net operating income | $215,000 | 5,708 |
| Securities gains (losses) | $26,000 | 2,023 |
| Applicable income taxes | $5,000 | 4,660 |
| Income before extraordinary items | $236,000 | 5,344 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $236,000 | 5,342 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 6,011 |
| Cash dividends | $1,570,000 | 1,675 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $210,520 | 5,605 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $651,000 | 8,150 |
| Total interest expense | $255,000 | 8,031 |
| Net interest income | $396,000 | 8,156 |
| Provision for loan and lease losses | $4,000 | 6,911 |
| Total noninterest income | $40,000 | 7,846 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $26,000 | 6,896 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $14,000 | 7,645 |
| Total noninterest expense | $269,000 | 8,284 |
| Salaries and employee benefits | $149,000 | 8,274 |
| Premises and equipment expense | $38,000 | 8,106 |
| Additional noninterest expense | $82,000 | 8,260 |
| Pre-tax net operating income | $163,000 | 6,183 |
| Securities gains (losses) | $26,000 | 1,844 |
| Applicable income taxes | $5,000 | 5,028 |
| Income before extraordinary items | $184,000 | 5,785 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $184,000 | 5,783 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 5,143 |
| Cash dividends | $1,570,000 | 1,262 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $158,780 | 6,069 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $437,000 | 8,221 |
| Total interest expense | $172,000 | 8,103 |
| Net interest income | $265,000 | 8,212 |
| Provision for loan and lease losses | $0 | 6,671 |
| Total noninterest income | $30,000 | 7,869 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $19,000 | 6,886 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $11,000 | 7,625 |
| Total noninterest expense | $181,000 | 8,351 |
| Salaries and employee benefits | $102,000 | 8,344 |
| Premises and equipment expense | $19,000 | 8,260 |
| Additional noninterest expense | $60,000 | 8,283 |
| Pre-tax net operating income | $114,000 | 6,324 |
| Securities gains (losses) | $26,000 | 1,879 |
| Applicable income taxes | $5,000 | 5,215 |
| Income before extraordinary items | $135,000 | 6,086 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $135,000 | 6,085 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 4,590 |
| Cash dividends | $1,570,000 | 957 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $110,040 | 6,216 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $226,000 | 8,264 |
| Total interest expense | $86,000 | 8,173 |
| Net interest income | $140,000 | 8,243 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $13,000 | 7,947 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $10,000 | 6,870 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $3,000 | 7,909 |
| Total noninterest expense | $82,000 | 8,415 |
| Salaries and employee benefits | $50,000 | 8,385 |
| Premises and equipment expense | $3,000 | 8,429 |
| Additional noninterest expense | $29,000 | 8,331 |
| Pre-tax net operating income | $71,000 | 6,350 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $13,000 | 4,639 |
| Income before extraordinary items | $58,000 | 6,452 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $58,000 | 6,453 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,920 |
| Cash dividends | $1,517,000 | 523 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $58,000 | 6,354 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $456,000 | 8,413 |
| Total interest expense | $169,000 | 8,331 |
| Net interest income | $287,000 | 8,423 |
| Provision for loan and lease losses | $0 | 6,851 |
| Total noninterest income | $27,000 | 8,190 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $24,000 | 7,101 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $3,000 | 8,238 |
| Total noninterest expense | $145,000 | 8,512 |
| Salaries and employee benefits | $89,000 | 8,493 |
| Premises and equipment expense | $13,000 | 8,474 |
| Additional noninterest expense | $43,000 | 8,513 |
| Pre-tax net operating income | $169,000 | 6,946 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $30,000 | 5,226 |
| Income before extraordinary items | $139,000 | 6,995 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $139,000 | 6,993 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,761 |
| Cash dividends | $66,000 | 5,526 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $139,000 | 6,977 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $226,000 | 8,493 |
| Total interest expense | $84,000 | 8,414 |
| Net interest income | $142,000 | 8,501 |
| Provision for loan and lease losses | $0 | 6,528 |
| Total noninterest income | $14,000 | 8,304 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $13,000 | 7,222 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $1,000 | 8,340 |
| Total noninterest expense | $74,000 | 8,544 |
| Salaries and employee benefits | $45,000 | 8,528 |
| Premises and equipment expense | $6,000 | 8,506 |
| Additional noninterest expense | $23,000 | 8,544 |
| Pre-tax net operating income | $82,000 | 7,381 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $14,000 | 5,621 |
| Income before extraordinary items | $68,000 | 7,402 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $68,000 | 7,399 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 5,809 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $68,000 | 7,386 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $462,000 | 8,358 |
| Total interest expense | $170,000 | 8,281 |
| Net interest income | $292,000 | 8,326 |
| Provision for loan and lease losses | $4,000 | 6,049 |
| Total noninterest income | $23,000 | 8,167 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $21,000 | 6,953 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $2,000 | 8,320 |
| Total noninterest expense | $475,000 | 7,765 |
| Salaries and employee benefits | $286,000 | 7,652 |
| Premises and equipment expense | $50,000 | 7,774 |
| Additional noninterest expense | $139,000 | 7,679 |
| Pre-tax net operating income | $-164,000 | 8,054 |
| Securities gains (losses) | $-9,000 | 7,974 |
| Applicable income taxes | $0 | 6,265 |
| Income before extraordinary items | $-173,000 | 8,086 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-173,000 | 8,085 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,333 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $-164,000 | 8,076 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $229,000 | 8,415 |
| Total interest expense | $86,000 | 8,316 |
| Net interest income | $143,000 | 8,396 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $12,000 | 8,183 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $9,000 | 7,042 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $3,000 | 8,103 |
| Total noninterest expense | $141,000 | 8,352 |
| Salaries and employee benefits | $57,000 | 8,491 |
| Premises and equipment expense | $30,000 | 7,598 |
| Additional noninterest expense | $54,000 | 8,004 |
| Pre-tax net operating income | $14,000 | 7,706 |
| Securities gains (losses) | $-9,000 | 8,245 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $5,000 | 7,807 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $5,000 | 7,806 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,566 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $14,000 | 7,682 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $912,000 | 8,335 |
| Total interest expense | $331,000 | 8,245 |
| Net interest income | $581,000 | 8,341 |
| Provision for loan and lease losses | $0 | 6,850 |
| Total noninterest income | $44,000 | 8,255 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $37,000 | 7,075 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $7,000 | 8,343 |
| Total noninterest expense | $548,000 | 8,378 |
| Salaries and employee benefits | $267,000 | 8,445 |
| Premises and equipment expense | $55,000 | 8,313 |
| Additional noninterest expense | $226,000 | 7,977 |
| Pre-tax net operating income | $77,000 | 7,770 |
| Securities gains (losses) | $-2,000 | 6,862 |
| Applicable income taxes | $0 | 6,600 |
| Income before extraordinary items | $75,000 | 7,769 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $75,000 | 7,770 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $61,000 | 3,821 |
| Cash dividends | $25,000 | 5,822 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $77,000 | 7,749 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $689,000 | 8,401 |
| Total interest expense | $242,000 | 8,300 |
| Net interest income | $447,000 | 8,406 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $25,000 | 8,416 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $23,000 | 7,228 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $2,000 | 8,526 |
| Total noninterest expense | $369,000 | 8,485 |
| Salaries and employee benefits | $167,000 | 8,559 |
| Premises and equipment expense | $37,000 | 8,416 |
| Additional noninterest expense | $165,000 | 8,032 |
| Pre-tax net operating income | $103,000 | 7,796 |
| Securities gains (losses) | $-2,000 | 7,192 |
| Applicable income taxes | $0 | 6,687 |
| Income before extraordinary items | $101,000 | 7,719 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $101,000 | 7,721 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 3,924 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $103,000 | 7,708 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $463,000 | 8,447 |
| Total interest expense | $159,000 | 8,319 |
| Net interest income | $304,000 | 8,453 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $13,000 | 8,511 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $10,000 | 7,398 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $3,000 | 8,487 |
| Total noninterest expense | $255,000 | 8,500 |
| Salaries and employee benefits | $118,000 | 8,583 |
| Premises and equipment expense | $24,000 | 8,460 |
| Additional noninterest expense | $113,000 | 8,019 |
| Pre-tax net operating income | $62,000 | 7,895 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $0 | 6,706 |
| Income before extraordinary items | $62,000 | 7,825 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $62,000 | 7,826 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 3,182 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $62,000 | 7,827 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $233,000 | 8,451 |
| Total interest expense | $76,000 | 8,343 |
| Net interest income | $157,000 | 8,455 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $6,000 | 8,542 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $5,000 | 7,423 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $1,000 | 8,494 |
| Total noninterest expense | $138,000 | 8,462 |
| Salaries and employee benefits | $64,000 | 8,563 |
| Premises and equipment expense | $12,000 | 8,453 |
| Additional noninterest expense | $62,000 | 7,889 |
| Pre-tax net operating income | $25,000 | 7,983 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $25,000 | 7,915 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $25,000 | 7,915 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $25,000 | 7,913 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $899,000 | 8,418 |
| Total interest expense | $273,000 | 8,255 |
| Net interest income | $626,000 | 8,417 |
| Provision for loan and lease losses | $0 | 7,120 |
| Total noninterest income | $45,000 | 8,452 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $37,000 | 7,277 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $8,000 | 8,464 |
| Total noninterest expense | $476,000 | 8,585 |
| Salaries and employee benefits | $308,000 | 8,469 |
| Premises and equipment expense | $39,000 | 8,594 |
| Additional noninterest expense | $129,000 | 8,591 |
| Pre-tax net operating income | $195,000 | 7,720 |
| Securities gains (losses) | $-9,000 | 7,501 |
| Applicable income taxes | $10,000 | 6,543 |
| Income before extraordinary items | $176,000 | 7,683 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $176,000 | 7,685 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 5,266 |
| Cash dividends | $25,000 | 5,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $184,550 | 7,625 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $682,000 | 8,439 |
| Total interest expense | $197,000 | 8,284 |
| Net interest income | $485,000 | 8,438 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $29,000 | 8,547 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $27,000 | 7,332 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $2,000 | 8,654 |
| Total noninterest expense | $285,000 | 8,696 |
| Salaries and employee benefits | $173,000 | 8,638 |
| Premises and equipment expense | $22,000 | 8,680 |
| Additional noninterest expense | $90,000 | 8,638 |
| Pre-tax net operating income | $229,000 | 7,520 |
| Securities gains (losses) | $-9,000 | 7,876 |
| Applicable income taxes | $15,000 | 6,406 |
| Income before extraordinary items | $205,000 | 7,416 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $205,000 | 7,417 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 5,107 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $213,370 | 7,342 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $446,000 | 8,468 |
| Total interest expense | $131,000 | 8,270 |
| Net interest income | $315,000 | 8,476 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $19,000 | 8,554 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $17,000 | 7,375 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $2,000 | 8,611 |
| Total noninterest expense | $194,000 | 8,694 |
| Salaries and employee benefits | $126,000 | 8,608 |
| Premises and equipment expense | $17,000 | 8,642 |
| Additional noninterest expense | $51,000 | 8,713 |
| Pre-tax net operating income | $140,000 | 7,611 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $10,000 | 6,414 |
| Income before extraordinary items | $130,000 | 7,507 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $130,000 | 7,508 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 4,392 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $130,000 | 7,462 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $222,000 | 8,545 |
| Total interest expense | $62,000 | 8,358 |
| Net interest income | $160,000 | 8,547 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $8,000 | 8,667 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $8,000 | 7,454 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $0 | 8,766 |
| Total noninterest expense | $95,000 | 8,769 |
| Salaries and employee benefits | $60,000 | 8,696 |
| Premises and equipment expense | $9,000 | 8,660 |
| Additional noninterest expense | $26,000 | 8,754 |
| Pre-tax net operating income | $73,000 | 7,591 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $73,000 | 7,368 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $73,000 | 7,367 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $73,000 | 7,335 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $867,000 | 8,508 |
| Total interest expense | $247,000 | 8,299 |
| Net interest income | $620,000 | 8,527 |
| Provision for loan and lease losses | $0 | 7,314 |
| Total noninterest income | $43,000 | 8,631 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $34,000 | 7,505 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $9,000 | 8,564 |
| Total noninterest expense | $455,000 | 8,723 |
| Salaries and employee benefits | $281,000 | 8,641 |
| Premises and equipment expense | $51,000 | 8,589 |
| Additional noninterest expense | $123,000 | 8,725 |
| Pre-tax net operating income | $208,000 | 7,758 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $50,000 | 6,036 |
| Income before extraordinary items | $158,000 | 7,845 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $158,000 | 7,844 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,973 |
| Cash dividends | $25,000 | 6,010 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $158,000 | 7,805 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $645,000 | 8,562 |
| Total interest expense | $186,000 | 8,332 |
| Net interest income | $459,000 | 8,584 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $28,000 | 8,718 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $26,000 | 7,549 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $2,000 | 8,821 |
| Total noninterest expense | $273,000 | 8,859 |
| Salaries and employee benefits | $165,000 | 8,814 |
| Premises and equipment expense | $23,000 | 8,831 |
| Additional noninterest expense | $85,000 | 8,797 |
| Pre-tax net operating income | $214,000 | 7,629 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $40,000 | 6,113 |
| Income before extraordinary items | $174,000 | 7,626 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $174,000 | 7,626 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,496 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $174,000 | 7,577 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $427,000 | 8,626 |
| Total interest expense | $122,000 | 8,405 |
| Net interest income | $305,000 | 8,633 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $18,000 | 8,782 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $17,000 | 7,603 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,000 | 8,898 |
| Total noninterest expense | $186,000 | 8,912 |
| Salaries and employee benefits | $109,000 | 8,872 |
| Premises and equipment expense | $18,000 | 8,826 |
| Additional noninterest expense | $59,000 | 8,832 |
| Pre-tax net operating income | $137,000 | 7,651 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $30,000 | 6,027 |
| Income before extraordinary items | $107,000 | 7,712 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $107,000 | 7,714 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,017 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $107,000 | 7,643 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $214,000 | 8,674 |
| Total interest expense | $62,000 | 8,451 |
| Net interest income | $152,000 | 8,684 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $8,000 | 8,856 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $8,000 | 7,614 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $0 | 8,950 |
| Total noninterest expense | $103,000 | 8,899 |
| Salaries and employee benefits | $54,000 | 8,917 |
| Premises and equipment expense | $14,000 | 8,600 |
| Additional noninterest expense | $35,000 | 8,744 |
| Pre-tax net operating income | $57,000 | 7,808 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $15,000 | 6,000 |
| Income before extraordinary items | $42,000 | 7,936 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $42,000 | 7,937 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $42,000 | 7,878 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $905,000 | 8,666 |
| Total interest expense | $290,000 | 8,490 |
| Net interest income | $615,000 | 8,671 |
| Provision for loan and lease losses | $0 | 7,651 |
| Total noninterest income | $47,000 | 8,820 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $38,000 | 7,611 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $9,000 | 8,800 |
| Total noninterest expense | $413,000 | 8,961 |
| Salaries and employee benefits | $257,000 | 8,885 |
| Premises and equipment expense | $52,000 | 8,737 |
| Additional noninterest expense | $104,000 | 8,987 |
| Pre-tax net operating income | $249,000 | 7,644 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $50,000 | 6,270 |
| Income before extraordinary items | $199,000 | 7,773 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $199,000 | 7,775 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 7,204 |
| Cash dividends | $25,000 | 6,105 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $199,000 | 7,641 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $683,000 | 8,743 |
| Total interest expense | $226,000 | 8,563 |
| Net interest income | $457,000 | 8,758 |
| Provision for loan and lease losses | $0 | 7,481 |
| Total noninterest income | $31,000 | 8,940 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $29,000 | 7,663 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $2,000 | 9,035 |
| Total noninterest expense | $249,000 | 9,095 |
| Salaries and employee benefits | $155,000 | 9,034 |
| Premises and equipment expense | $19,000 | 9,082 |
| Additional noninterest expense | $75,000 | 9,047 |
| Pre-tax net operating income | $239,000 | 7,505 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $40,000 | 6,389 |
| Income before extraordinary items | $199,000 | 7,594 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $199,000 | 7,598 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 6,699 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $199,000 | 7,443 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $464,000 | 8,778 |
| Total interest expense | $157,000 | 8,603 |
| Net interest income | $307,000 | 8,781 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $20,000 | 8,974 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $19,000 | 7,696 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $1,000 | 9,074 |
| Total noninterest expense | $164,000 | 9,132 |
| Salaries and employee benefits | $101,000 | 9,076 |
| Premises and equipment expense | $14,000 | 9,079 |
| Additional noninterest expense | $49,000 | 9,076 |
| Pre-tax net operating income | $163,000 | 7,505 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $30,000 | 6,338 |
| Income before extraordinary items | $133,000 | 7,629 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $133,000 | 7,632 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 6,160 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $133,000 | 7,447 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $228,000 | 8,850 |
| Total interest expense | $79,000 | 8,685 |
| Net interest income | $149,000 | 8,855 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $10,000 | 8,992 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $10,000 | 7,640 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $0 | 9,145 |
| Total noninterest expense | $81,000 | 9,177 |
| Salaries and employee benefits | $51,000 | 9,108 |
| Premises and equipment expense | $5,000 | 9,168 |
| Additional noninterest expense | $25,000 | 9,104 |
| Pre-tax net operating income | $78,000 | 7,559 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $10,000 | 6,563 |
| Income before extraordinary items | $68,000 | 7,530 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $68,000 | 7,530 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,250 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $68,000 | 7,377 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $977,000 | 8,875 |
| Total interest expense | $367,000 | 8,744 |
| Net interest income | $610,000 | 8,875 |
| Provision for loan and lease losses | $0 | 8,089 |
| Total noninterest income | $41,000 | 9,029 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $39,000 | 7,698 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $2,000 | 9,151 |
| Total noninterest expense | $396,000 | 9,146 |
| Salaries and employee benefits | $240,000 | 9,077 |
| Premises and equipment expense | $49,000 | 8,917 |
| Additional noninterest expense | $107,000 | 9,135 |
| Pre-tax net operating income | $255,000 | 7,731 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $40,000 | 6,689 |
| Income before extraordinary items | $215,000 | 7,758 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $215,000 | 7,759 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 8,689 |
| Cash dividends | $25,000 | 6,170 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $215,000 | 7,671 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $1,030,000 | 9,132 |
| Total interest expense | $457,000 | 9,090 |
| Net interest income | $573,000 | 9,082 |
| Provision for loan and lease losses | $0 | 8,228 |
| Total noninterest income | $44,000 | 9,226 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $42,000 | 7,759 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $2,000 | 9,423 |
| Total noninterest expense | $374,000 | 9,400 |
| Salaries and employee benefits | $227,000 | 9,327 |
| Premises and equipment expense | $52,000 | 9,091 |
| Additional noninterest expense | $95,000 | 9,406 |
| Pre-tax net operating income | $243,000 | 7,673 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $45,000 | 6,794 |
| Income before extraordinary items | $198,000 | 7,758 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $198,000 | 7,761 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 7,648 |
| Cash dividends | $25,000 | 6,381 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $198,000 | 7,635 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $1,085,000 | 9,335 |
| Total interest expense | $465,000 | 9,313 |
| Net interest income | $620,000 | 9,259 |
| Provision for loan and lease losses | $0 | 8,337 |
| Total noninterest income | $48,000 | 9,366 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $30,000 | 8,075 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $18,000 | 9,043 |
| Total noninterest expense | $363,000 | 9,664 |
| Salaries and employee benefits | $223,000 | 9,561 |
| Premises and equipment expense | $42,000 | 9,508 |
| Additional noninterest expense | $98,000 | 9,642 |
| Pre-tax net operating income | $305,000 | 7,874 |
| Securities gains (losses) | $-5,000 | 7,961 |
| Applicable income taxes | $35,000 | 7,503 |
| Income before extraordinary items | $265,000 | 7,688 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $265,000 | 7,688 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 8,877 |
| Cash dividends | $20,000 | 6,667 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $269,400 | 7,661 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $955,000 | 9,647 |
| Total interest expense | $440,000 | 9,569 |
| Net interest income | $515,000 | 9,661 |
| Provision for loan and lease losses | $0 | 8,503 |
| Total noninterest income | $27,000 | 9,902 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $25,000 | 8,390 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $2,000 | 10,068 |
| Total noninterest expense | $378,000 | 9,930 |
| Salaries and employee benefits | $215,000 | 9,855 |
| Premises and equipment expense | $65,000 | 9,335 |
| Additional noninterest expense | $98,000 | 9,932 |
| Pre-tax net operating income | $164,000 | 8,738 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $30,000 | 8,004 |
| Income before extraordinary items | $134,000 | 8,752 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $134,000 | 8,749 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 9,163 |
| Cash dividends | $20,000 | 6,929 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $134,000 | 8,713 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $927,000 | 9,913 |
| Total interest expense | $422,000 | 9,860 |
| Net interest income | $505,000 | 9,910 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $30,000 | 10,094 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $29,000 | 8,529 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,000 | 10,352 |
| Total noninterest expense | $351,000 | 10,157 |
| Salaries and employee benefits | $207,000 | 10,077 |
| Premises and equipment expense | $56,000 | 9,684 |
| Additional noninterest expense | $88,000 | 10,212 |
| Pre-tax net operating income | $184,000 | 8,980 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $45,000 | 8,418 |
| Income before extraordinary items | $139,000 | 9,056 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $139,000 | 9,054 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 6,077 |
| Cash dividends | $20,000 | 7,249 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $139,000 | 8,992 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $905,000 | 10,387 |
| Total interest expense | $422,000 | 10,291 |
| Net interest income | $483,000 | 10,413 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $37,000 | 10,477 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $36,000 | 8,783 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,000 | 10,828 |
| Total noninterest expense | $340,000 | 10,619 |
| Salaries and employee benefits | $198,000 | 10,558 |
| Premises and equipment expense | $47,000 | 10,270 |
| Additional noninterest expense | $95,000 | 10,571 |
| Pre-tax net operating income | $180,000 | 9,688 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $45,000 | 9,331 |
| Income before extraordinary items | $135,000 | 9,730 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $135,000 | 9,731 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 8,371 |
| Cash dividends | $20,000 | 7,601 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $135,000 | 9,681 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $831,000 | 10,998 |
| Total interest expense | $397,000 | 10,883 |
| Net interest income | $434,000 | 11,029 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $36,000 | 11,065 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $34,000 | 9,277 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $2,000 | 11,319 |
| Total noninterest expense | $311,000 | 11,197 |
| Salaries and employee benefits | $186,000 | 11,085 |
| Premises and equipment expense | $31,000 | 11,122 |
| Additional noninterest expense | $94,000 | 11,131 |
| Pre-tax net operating income | $159,000 | 10,030 |
| Securities gains (losses) | $5,000 | 2,986 |
| Applicable income taxes | $42,000 | 9,829 |
| Income before extraordinary items | $122,000 | 10,020 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $122,000 | 10,018 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,805 |
| Cash dividends | $10,000 | 8,198 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $118,300 | 10,010 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $817,000 | 11,497 |
| Total interest expense | $383,000 | 11,377 |
| Net interest income | $434,000 | 11,528 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $33,000 | 11,607 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $31,000 | 9,769 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $2,000 | 11,869 |
| Total noninterest expense | $302,000 | 11,706 |
| Salaries and employee benefits | $179,000 | 11,603 |
| Premises and equipment expense | $35,000 | 11,504 |
| Additional noninterest expense | $88,000 | 11,715 |
| Pre-tax net operating income | $165,000 | 10,686 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $29,000 | 10,603 |
| Income before extraordinary items | $136,000 | 10,600 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $136,000 | 10,603 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-8,000 | 10,558 |
| Cash dividends | $20,000 | 8,373 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $136,000 | 10,565 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $758,000 | 12,117 |
| Total interest expense | $354,000 | 11,814 |
| Net interest income | $404,000 | 12,217 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $32,000 | 12,239 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $28,000 | 10,369 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $4,000 | 12,414 |
| Total noninterest expense | $300,000 | 12,356 |
| Salaries and employee benefits | $170,000 | 12,252 |
| Premises and equipment expense | $28,000 | 12,262 |
| Additional noninterest expense | $102,000 | 12,270 |
| Pre-tax net operating income | $136,000 | 11,375 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $24,000 | 11,075 |
| Income before extraordinary items | $112,000 | 11,253 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $112,000 | 11,258 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-27,000 | 11,482 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $112,000 | 11,300 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $794,000 | 12,683 |
| Total interest expense | $370,000 | 12,358 |
| Net interest income | $424,000 | 12,752 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $32,000 | 12,905 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $30,000 | 10,750 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $2,000 | 13,164 |
| Total noninterest expense | $287,000 | 13,021 |
| Salaries and employee benefits | $163,000 | 12,898 |
| Premises and equipment expense | $34,000 | 12,727 |
| Additional noninterest expense | $90,000 | 13,029 |
| Pre-tax net operating income | $169,000 | 11,324 |
| Securities gains (losses) | $-5,000 | 12,580 |
| Applicable income taxes | $34,000 | 11,288 |
| Income before extraordinary items | $130,000 | 11,455 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $130,000 | 11,520 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 11,543 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $133,950 | 11,205 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $865,000 | 13,251 |
| Total interest expense | $441,000 | 13,019 |
| Net interest income | $424,000 | 13,323 |
| Provision for loan and lease losses | $0 | 11,756 |
| Total noninterest income | $29,000 | 13,556 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $28,000 | 11,127 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,000 | 13,843 |
| Total noninterest expense | $273,000 | 13,647 |
| Salaries and employee benefits | $147,000 | 13,569 |
| Premises and equipment expense | $40,000 | 13,061 |
| Additional noninterest expense | $86,000 | 13,638 |
| Pre-tax net operating income | $180,000 | 11,255 |
| Securities gains (losses) | $-2,000 | 12,861 |
| Applicable income taxes | $37,000 | 11,601 |
| Income before extraordinary items | $141,000 | 11,404 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $141,000 | 11,479 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-24,000 | 13,172 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $142,580 | 11,040 |
* 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.