Home > Beacon Community Bank > Income and Expense

Beacon Community Bank, Income and Expense

2023-12-31 (YTD Data)Rank
Total interest income$26,932,0001,532
Total interest expense$12,900,0001,090
Net interest income$14,032,0001,915
Provision for loan and lease losses$323,0001,599
Total noninterest income$684,0003,147
Gross Fiduciary activities income$0981
Service charges on deposit accounts$277,0002,296
Trading account gains and feesNANA
Additional Noninterest Income$407,0003,154
Total noninterest expense$12,454,0001,766
Salaries and employee benefits$6,742,0001,815
Premises and equipment expense$1,978,0001,229
Additional noninterest expense$407,0003,154
Pre-tax net operating income$1,939,0002,987
Securities gains (losses)$0988
Applicable income taxes$482,0001,932
Income before extraordinary items$1,457,0003,112
Extraordinary gains, net$054
Net income$1,457,0003,146
Minority interest net income$088
Net income of bank and minority interests.$1,457,0003,114
Net charge-offs$9,0002,456
Cash dividends$332,0002,993
Sale, conversion, retirement of capital stock, net$9,831,00056
Net operating income$1,457,0003,146
2023-09-30 (YTD Data)Rank
Total interest income$19,074,0001,557
Total interest expense$8,396,0001,125
Net interest income$10,678,0001,902
Provision for loan and lease losses$323,0001,289
Total noninterest income$500,0003,162
Gross Fiduciary activities income$0950
Service charges on deposit accounts$208,0002,301
Trading account gains and feesNANA
Additional Noninterest Income$292,0003,193
Total noninterest expense$8,921,0001,818
Salaries and employee benefits$4,961,0001,836
Premises and equipment expense$1,311,0001,365
Additional noninterest expense$292,0003,192
Pre-tax net operating income$1,934,0002,741
Securities gains (losses)$0849
Applicable income taxes$483,0001,782
Income before extraordinary items$1,451,0002,876
Extraordinary gains, net$052
Net income$1,451,0002,906
Minority interest net income$081
Net income of bank and minority interests.$1,451,0002,877
Net charge-offs$9,0002,168
Cash dividends$332,0002,510
Sale, conversion, retirement of capital stock, net$9,759,00044
Net operating income$1,451,0002,903
2023-06-30 (YTD Data)Rank
Total interest income$11,746,0001,627
Total interest expense$4,528,0001,202
Net interest income$7,218,0001,892
Provision for loan and lease losses$278,0001,110
Total noninterest income$329,0003,162
Gross Fiduciary activities income$0931
Service charges on deposit accounts$140,0002,281
Trading account gains and feesNANA
Additional Noninterest Income$189,0003,218
Total noninterest expense$5,854,0001,838
Salaries and employee benefits$3,208,0001,880
Premises and equipment expense$843,0001,395
Additional noninterest expense$189,0003,210
Pre-tax net operating income$1,415,0002,654
Securities gains (losses)$0938
Applicable income taxes$355,0001,729
Income before extraordinary items$1,060,0002,793
Extraordinary gains, net$051
Net income$1,060,0002,824
Minority interest net income$081
Net income of bank and minority interests.$1,060,0002,793
Net charge-offs$9,0001,852
Cash dividends$02,952
Sale, conversion, retirement of capital stock, net$9,678,00021
Net operating income$1,060,0002,816
2023-03-31 (YTD Data)Rank
Total interest income$5,487,0001,688
Total interest expense$1,938,0001,219
Net interest income$3,549,0001,924
Provision for loan and lease losses$173,000966
Total noninterest income$143,0003,308
Gross Fiduciary activities income$0913
Service charges on deposit accounts$52,0002,660
Trading account gains and feesNANA
Additional Noninterest Income$91,0003,239
Total noninterest expense$2,858,0001,886
Salaries and employee benefits$1,593,0001,912
Premises and equipment expense$375,0001,559
Additional noninterest expense$91,0003,239
Pre-tax net operating income$661,0002,781
Securities gains (losses)$0950
Applicable income taxes$168,0001,792
Income before extraordinary items$493,0002,949
Extraordinary gains, net$04
Net income$493,0002,949
Minority interest net income$048
Net income of bank and minority interests.$493,0002,949
Net charge-offs$9,0001,398
Cash dividends$02,337
Sale, conversion, retirement of capital stock, net$7,200,00021
Net operating income$493,0002,972
2022-12-31 (YTD Data)Rank
Total interest income$16,724,0001,794
Total interest expense$3,085,0001,149
Net interest income$13,639,0001,919
Provision for loan and lease losses$1,621,000593
Total noninterest income$539,0003,464
Gross Fiduciary activities income$01,005
Service charges on deposit accounts$210,0002,690
Trading account gains and feesNANA
Additional Noninterest Income$329,0003,443
Total noninterest expense$8,993,0002,148
Salaries and employee benefits$5,014,0002,174
Premises and equipment expense$1,101,0001,908
Additional noninterest expense$329,0003,443
Pre-tax net operating income$3,564,0002,442
Securities gains (losses)$0691
Applicable income taxes$935,0001,609
Income before extraordinary items$2,629,0002,614
Extraordinary gains, net$05
Net income$2,629,0002,611
Minority interest net income$063
Net income of bank and minority interests.$2,629,0002,613
Net charge-offs$02,620
Cash dividends$03,475
Sale, conversion, retirement of capital stock, net$3,475,000137
Net operating income$2,629,0002,649
2022-09-30 (YTD Data)Rank
Total interest income$11,726,0001,837
Total interest expense$1,823,0001,105
Net interest income$9,903,0001,943
Provision for loan and lease losses$1,203,000549
Total noninterest income$373,0003,558
Gross Fiduciary activities income$0968
Service charges on deposit accounts$132,0002,924
Trading account gains and feesNANA
Additional Noninterest Income$241,0003,489
Total noninterest expense$6,446,0002,199
Salaries and employee benefits$3,682,0002,209
Premises and equipment expense$786,0001,976
Additional noninterest expense$241,0003,489
Pre-tax net operating income$2,627,0002,456
Securities gains (losses)$0740
Applicable income taxes$683,0001,623
Income before extraordinary items$1,944,0002,616
Extraordinary gains, net$04
Net income$1,944,0002,614
Minority interest net income$057
Net income of bank and minority interests.$1,944,0002,615
Net charge-offs$02,349
Cash dividends$03,099
Sale, conversion, retirement of capital stock, net$3,443,000113
Net operating income$1,944,0002,654
2022-06-30 (YTD Data)Rank
Total interest income$7,349,0001,867
Total interest expense$1,020,0001,114
Net interest income$6,329,0001,963
Provision for loan and lease losses$892,000468
Total noninterest income$241,0003,576
Gross Fiduciary activities income$0925
Service charges on deposit accounts$80,0003,025
Trading account gains and feesNANA
Additional Noninterest Income$161,0003,526
Total noninterest expense$4,133,0002,232
Salaries and employee benefits$2,370,0002,258
Premises and equipment expense$487,0002,051
Additional noninterest expense$1,276,0002,221
Pre-tax net operating income$1,545,0002,528
Securities gains (losses)$0687
Applicable income taxes$405,0001,637
Income before extraordinary items$1,140,0002,676
Extraordinary gains, net$04
Net income$1,140,0002,674
Minority interest net income$060
Net income of bank and minority interests.$1,140,0002,676
Net charge-offs$02,156
Cash dividends$02,961
Sale, conversion, retirement of capital stock, net$3,162,00078
Net operating income$1,140,0002,712
2022-03-31 (YTD Data)Rank
Total interest income$3,430,0001,916
Total interest expense$470,0001,151
Net interest income$2,960,0002,018
Provision for loan and lease losses$365,000427
Total noninterest income$111,0003,619
Gross Fiduciary activities income$0892
Service charges on deposit accounts$37,0003,078
Trading account gains and feesNANA
Additional Noninterest Income$74,0003,565
Total noninterest expense$1,965,0002,314
Salaries and employee benefits$1,143,0002,304
Premises and equipment expense$216,0002,236
Additional noninterest expense$606,0002,275
Pre-tax net operating income$741,0002,493
Securities gains (losses)$0623
Applicable income taxes$192,0001,636
Income before extraordinary items$549,0002,652
Extraordinary gains, net$04
Net income$549,0002,649
Minority interest net income$050
Net income of bank and minority interests.$549,0002,652
Net charge-offs$01,838
Cash dividends$02,284
Sale, conversion, retirement of capital stock, net$2,004,00048
Net operating income$549,0002,671
2021-12-31 (YTD Data)Rank
Total interest income$12,970,0002,070
Total interest expense$1,771,0001,461
Net interest income$11,199,0002,146
Provision for loan and lease losses$1,021,000583
Total noninterest income$468,0003,712
Gross Fiduciary activities income$0994
Service charges on deposit accounts$122,0003,235
Trading account gains and feesNANA
Additional Noninterest Income$346,0003,614
Total noninterest expense$7,271,0002,416
Salaries and employee benefits$4,310,0002,378
Premises and equipment expense$864,0002,211
Additional noninterest expense$2,097,0002,505
Pre-tax net operating income$3,375,0002,542
Securities gains (losses)$02,062
Applicable income taxes$-636,0004,818
Income before extraordinary items$4,011,0002,158
Extraordinary gains, net$010
Net income$4,011,0002,159
Minority interest net income$074
Net income of bank and minority interests.$4,011,0002,159
Net charge-offs$02,705
Cash dividends$03,608
Sale, conversion, retirement of capital stock, net$3,824,000126
Net operating income$4,011,0002,128
2021-09-30 (YTD Data)Rank
Total interest income$9,484,0002,158
Total interest expense$1,293,0001,574
Net interest income$8,191,0002,224
Provision for loan and lease losses$648,000667
Total noninterest income$351,0003,746
Gross Fiduciary activities income$0957
Service charges on deposit accounts$87,0003,317
Trading account gains and feesNANA
Additional Noninterest Income$264,0003,639
Total noninterest expense$5,519,0002,411
Salaries and employee benefits$3,322,0002,342
Premises and equipment expense$644,0002,250
Additional noninterest expense$1,553,0002,526
Pre-tax net operating income$2,375,0002,732
Securities gains (losses)$02,015
Applicable income taxes$-880,0004,903
Income before extraordinary items$3,255,0002,147
Extraordinary gains, net$08
Net income$3,255,0002,148
Minority interest net income$069
Net income of bank and minority interests.$3,255,0002,148
Net charge-offs$02,463
Cash dividends$03,251
Sale, conversion, retirement of capital stock, net$1,019,000183
Net operating income$3,255,0002,118
2021-06-30 (YTD Data)Rank
Total interest income$5,978,0002,241
Total interest expense$839,0001,655
Net interest income$5,139,0002,309
Provision for loan and lease losses$406,000721
Total noninterest income$251,0003,701
Gross Fiduciary activities income$0951
Service charges on deposit accounts$54,0003,359
Trading account gains and feesNANA
Additional Noninterest Income$197,0003,539
Total noninterest expense$3,630,0002,435
Salaries and employee benefits$2,225,0002,331
Premises and equipment expense$416,0002,285
Additional noninterest expense$989,0002,599
Pre-tax net operating income$1,354,0002,903
Securities gains (losses)$01,818
Applicable income taxes$-1,128,0004,942
Income before extraordinary items$2,482,0001,954
Extraordinary gains, net$06
Net income$2,482,0001,953
Minority interest net income$067
Net income of bank and minority interests.$2,482,0001,954
Net charge-offs$02,245
Cash dividends$03,104
Sale, conversion, retirement of capital stock, net$215,000266
Net operating income$2,482,0001,918
2021-03-31 (YTD Data)Rank
Total interest income$2,993,0002,221
Total interest expense$418,0001,739
Net interest income$2,575,0002,282
Provision for loan and lease losses$175,000881
Total noninterest income$152,0003,511
Gross Fiduciary activities income$0922
Service charges on deposit accounts$26,0003,393
Trading account gains and feesNANA
Additional Noninterest Income$126,0003,290
Total noninterest expense$1,700,0002,516
Salaries and employee benefits$1,020,0002,469
Premises and equipment expense$200,0002,352
Additional noninterest expense$480,0002,603
Pre-tax net operating income$852,0002,584
Securities gains (losses)$01,392
Applicable income taxes$38,0002,816
Income before extraordinary items$814,0002,492
Extraordinary gains, net$03
Net income$814,0002,490
Minority interest net income$055
Net income of bank and minority interests.$814,0002,492
Net charge-offs$01,930
Cash dividends$02,452
Sale, conversion, retirement of capital stock, net$35,000362
Net operating income$814,0002,452
2020-12-31 (YTD Data)Rank
Total interest income$8,318,0002,814
Total interest expense$1,783,0002,115
Net interest income$6,535,0002,927
Provision for loan and lease losses$1,279,0001,367
Total noninterest income$186,0004,376
Gross Fiduciary activities income$01,030
Service charges on deposit accounts$73,0003,867
Trading account gains and feesNANA
Additional Noninterest Income$113,0004,314
Total noninterest expense$6,216,0002,640
Salaries and employee benefits$3,918,0002,517
Premises and equipment expense$665,0002,604
Additional noninterest expense$1,633,0002,893
Pre-tax net operating income$-774,0004,892
Securities gains (losses)$112,0001,327
Applicable income taxes$03,697
Income before extraordinary items$-662,0004,894
Extraordinary gains, net$04
Net income$-662,0004,894
Minority interest net income$072
Net income of bank and minority interests.$-662,0004,894
Net charge-offs$03,443
Cash dividends$03,782
Sale, conversion, retirement of capital stock, net$1,358,000180
Net operating income$-774,0004,889
2020-09-30 (YTD Data)Rank
Total interest income$5,724,0002,983
Total interest expense$1,340,0002,210
Net interest income$4,384,0003,104
Provision for loan and lease losses$1,015,0001,349
Total noninterest income$120,0004,466
Gross Fiduciary activities income$0981
Service charges on deposit accounts$47,0004,026
Trading account gains and feesNANA
Additional Noninterest Income$73,0004,378
Total noninterest expense$4,543,0002,673
Salaries and employee benefits$2,863,0002,538
Premises and equipment expense$464,0002,709
Additional noninterest expense$1,216,0002,901
Pre-tax net operating income$-1,054,0004,940
Securities gains (losses)$112,0001,155
Applicable income taxes$03,696
Income before extraordinary items$-942,0004,933
Extraordinary gains, net$04
Net income$-942,0004,933
Minority interest net income$065
Net income of bank and minority interests.$-942,0004,933
Net charge-offs$03,243
Cash dividends$03,384
Sale, conversion, retirement of capital stock, net$1,279,000147
Net operating income$-1,054,0004,941
2020-06-30 (YTD Data)Rank
Total interest income$3,430,0003,156
Total interest expense$904,0002,303
Net interest income$2,526,0003,366
Provision for loan and lease losses$599,0001,491
Total noninterest income$67,0004,564
Gross Fiduciary activities income$0970
Service charges on deposit accounts$25,0004,219
Trading account gains and feesNANA
Additional Noninterest Income$42,0004,444
Total noninterest expense$3,144,0002,614
Salaries and employee benefits$1,938,0002,525
Premises and equipment expense$361,0002,465
Additional noninterest expense$845,0002,806
Pre-tax net operating income$-1,150,0004,983
Securities gains (losses)$112,000938
Applicable income taxes$03,655
Income before extraordinary items$-1,038,0004,974
Extraordinary gains, net$04
Net income$-1,038,0004,974
Minority interest net income$065
Net income of bank and minority interests.$-1,038,0004,974
Net charge-offs$03,033
Cash dividends$03,237
Sale, conversion, retirement of capital stock, net$1,200,000108
Net operating income$-1,150,0004,985
2020-03-31 (YTD Data)Rank
Total interest income$1,559,0003,325
Total interest expense$472,0002,374
Net interest income$1,087,0003,601
Provision for loan and lease losses$275,0001,250
Total noninterest income$30,0004,635
Gross Fiduciary activities income$0941
Service charges on deposit accounts$12,0004,405
Trading account gains and feesNANA
Additional Noninterest Income$18,0004,490
Total noninterest expense$1,503,0002,722
Salaries and employee benefits$901,0002,655
Premises and equipment expense$180,0002,494
Additional noninterest expense$422,0002,827
Pre-tax net operating income$-661,0005,003
Securities gains (losses)$01,705
Applicable income taxes$03,513
Income before extraordinary items$-661,0004,979
Extraordinary gains, net$04
Net income$-661,0004,980
Minority interest net income$056
Net income of bank and minority interests.$-661,0004,979
Net charge-offs$02,581
Cash dividends$02,639
Sale, conversion, retirement of capital stock, net$1,120,00080
Net operating income$-661,0005,006
2019-12-31 (YTD Data)Rank
Total interest income$4,174,0004,003
Total interest expense$1,129,0003,139
Net interest income$3,045,0004,161
Provision for loan and lease losses$802,0001,074
Total noninterest income$42,0005,025
Gross Fiduciary activities income$01,051
Service charges on deposit accounts$28,0004,760
Trading account gains and feesNANA
Additional Noninterest Income$14,0004,970
Total noninterest expense$5,481,0002,842
Salaries and employee benefits$3,135,0002,857
Premises and equipment expense$711,0002,517
Additional noninterest expense$1,635,0002,917
Pre-tax net operating income$-3,196,0005,153
Securities gains (losses)$86,0001,007
Applicable income taxes$03,859
Income before extraordinary items$-3,110,0005,151
Extraordinary gains, net$011
Net income$-3,110,0005,152
Minority interest net income$076
Net income of bank and minority interests.$-3,110,0005,152
Net charge-offs$03,726
Cash dividends$03,944
Sale, conversion, retirement of capital stock, net$1,520,000171
Net operating income$-3,196,0005,149
2019-09-30 (YTD Data)Rank
Total interest income$2,887,0004,162
Total interest expense$767,0003,301
Net interest income$2,120,0004,308
Provision for loan and lease losses$454,0001,239
Total noninterest income$45,0005,033
Gross Fiduciary activities income$01,014
Service charges on deposit accounts$16,0004,910
Trading account gains and feesNANA
Additional Noninterest Income$29,0004,854
Total noninterest expense$3,872,0002,970
Salaries and employee benefits$2,281,0002,915
Premises and equipment expense$509,0002,605
Additional noninterest expense$1,082,0003,190
Pre-tax net operating income$-2,161,0005,235
Securities gains (losses)$86,000856
Applicable income taxes$03,902
Income before extraordinary items$-2,075,0005,227
Extraordinary gains, net$011
Net income$-2,075,0005,227
Minority interest net income$072
Net income of bank and minority interests.$-2,075,0005,227
Net charge-offs$03,455
Cash dividends$03,588
Sale, conversion, retirement of capital stock, net$238,000312
Net operating income$-2,161,0005,226
2019-06-30 (YTD Data)Rank
Total interest income$1,776,0004,293
Total interest expense$456,0003,440
Net interest income$1,320,0004,401
Provision for loan and lease losses$239,0001,430
Total noninterest income$27,0005,090
Gross Fiduciary activities income$01,004
Service charges on deposit accounts$9,0004,984
Trading account gains and feesNANA
Additional Noninterest Income$18,0004,918
Total noninterest expense$2,518,0003,041
Salaries and employee benefits$1,467,0003,003
Premises and equipment expense$324,0002,693
Additional noninterest expense$727,0003,195
Pre-tax net operating income$-1,410,0005,279
Securities gains (losses)$86,000584
Applicable income taxes$03,901
Income before extraordinary items$-1,324,0005,270
Extraordinary gains, net$011
Net income$-1,324,0005,269
Minority interest net income$069
Net income of bank and minority interests.$-1,324,0005,269
Net charge-offs$03,172
Cash dividends$03,456
Sale, conversion, retirement of capital stock, net$158,000291
Net operating income$-1,410,0005,272
2019-03-31 (YTD Data)Rank
Total interest income$804,0004,437
Total interest expense$200,0003,610
Net interest income$604,0004,536
Provision for loan and lease losses$181,0001,006
Total noninterest income$12,0005,169
Gross Fiduciary activities income$0972
Service charges on deposit accounts$4,0005,050
Trading account gains and feesNANA
Additional Noninterest Income$8,0004,976
Total noninterest expense$1,159,0003,209
Salaries and employee benefits$679,0003,167
Premises and equipment expense$145,0002,913
Additional noninterest expense$335,0003,350
Pre-tax net operating income$-724,0005,330
Securities gains (losses)$01,087
Applicable income taxes$03,800
Income before extraordinary items$-724,0005,323
Extraordinary gains, net$05
Net income$-724,0005,323
Minority interest net income$052
Net income of bank and minority interests.$-724,0005,322
Net charge-offs$02,740
Cash dividends$02,803
Sale, conversion, retirement of capital stock, net$77,000261
Net operating income$-724,0005,326
2018-12-31 (YTD Data)Rank
Total interest income$1,402,0005,120
Total interest expense$182,0004,881
Net interest income$1,220,0005,121
Provision for loan and lease losses$532,0001,401
Total noninterest income$30,0005,275
Gross Fiduciary activities income$01,098
Service charges on deposit accounts$12,0005,170
Trading account gains and feesNANA
Additional Noninterest Income$18,0005,146
Total noninterest expense$3,643,0003,661
Salaries and employee benefits$2,065,0003,633
Premises and equipment expense$464,0003,287
Additional noninterest expense$1,114,0003,720
Pre-tax net operating income$-2,925,0005,390
Securities gains (losses)$01,125
Applicable income taxes$03,978
Income before extraordinary items$-2,925,0005,380
Extraordinary gains, net$06
Net income$-2,925,0005,379
Minority interest net income$072
Net income of bank and minority interests.$-2,925,0005,379
Net charge-offs$03,782
Cash dividends$04,033
Sale, conversion, retirement of capital stock, net$33,292,00020
Net operating income$-2,925,0005,380
2018-09-30 (YTD Data)Rank
Total interest income$818,0005,283
Total interest expense$56,0005,294
Net interest income$762,0005,267
Provision for loan and lease losses$345,0001,461
Total noninterest income$20,0005,357
Gross Fiduciary activities income$01,048
Service charges on deposit accounts$8,0005,254
Trading account gains and feesNANA
Additional Noninterest Income$12,0005,224
Total noninterest expense$2,528,0003,835
Salaries and employee benefits$1,474,0003,722
Premises and equipment expense$326,0003,440
Additional noninterest expense$728,0003,967
Pre-tax net operating income$-2,091,0005,462
Securities gains (losses)$01,118
Applicable income taxes$04,032
Income before extraordinary items$-2,091,0005,452
Extraordinary gains, net$05
Net income$-2,091,0005,451
Minority interest net income$066
Net income of bank and minority interests.$-2,091,0005,451
Net charge-offs$03,489
Cash dividends$03,618
Sale, conversion, retirement of capital stock, net$33,212,00018
Net operating income$-2,091,0005,451
2018-06-30 (YTD Data)Rank
Total interest income$421,0005,415
Total interest expense$22,0005,438
Net interest income$399,0005,400
Provision for loan and lease losses$152,0001,756
Total noninterest income$11,0005,435
Gross Fiduciary activities income$01,037
Service charges on deposit accounts$4,0005,332
Trading account gains and feesNANA
Additional Noninterest Income$7,0005,304
Total noninterest expense$1,623,0003,927
Salaries and employee benefits$913,0003,890
Premises and equipment expense$215,0003,475
Additional noninterest expense$495,0003,970
Pre-tax net operating income$-1,365,0005,523
Securities gains (losses)$0961
Applicable income taxes$04,018
Income before extraordinary items$-1,365,0005,515
Extraordinary gains, net$06
Net income$-1,365,0005,514
Minority interest net income$065
Net income of bank and minority interests.$-1,365,0005,514
Net charge-offs$03,209
Cash dividends$03,485
Sale, conversion, retirement of capital stock, net$33,146,00012
Net operating income$-1,365,0005,514
2018-03-31 (YTD Data)Rank
Total interest income$187,0005,507
Total interest expense$5,0005,555
Net interest income$182,0005,488
Provision for loan and lease losses$7,0003,246
Total noninterest income$05,557
Gross Fiduciary activities income$01,003
Service charges on deposit accounts$05,454
Trading account gains and feesNANA
Additional Noninterest Income$05,496
Total noninterest expense$831,0003,926
Salaries and employee benefits$440,0004,000
Premises and equipment expense$98,0003,689
Additional noninterest expense$293,0003,694
Pre-tax net operating income$-656,0005,580
Securities gains (losses)$0735
Applicable income taxes$03,948
Income before extraordinary items$-656,0005,570
Extraordinary gains, net$07
Net income$-656,0005,570
Minority interest net income$052
Net income of bank and minority interests.$-656,0005,570
Net charge-offs$02,722
Cash dividends$02,774
Sale, conversion, retirement of capital stock, net$30,064,0007
Net operating income$-656,0005,572

* 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.