Table 6 — Consolidated Average Balance Sheet and Net Interest Margin Analysis
## Table 0 ##
LIABILITIES AND SHAREHOLDERS’ EQUITY
Continued
businesses.
The Huntington Private Client Group also provides corporate trust services and institutional and mutual fund custody services.  ?
Treasury/Other: The Treasury / Other function includes technology and operations, other unallocated assets, liabilities, revenue, and expense.
The financial results for each of these business segments are included in Note 23 of Notes to Consolidated Financial Statements and are discussed in the Business Segment Discussion of our MD&A.
Competition We compete with other banks and financial services companies such as savings and loans, credit unions, and finance and trust companies, as well as mortgage banking companies, automobile and equipment financing companies (including captive automobile finance companies), insurance companies, mutual funds, investment advisors, and brokerage firms, both within and outside of our primary market areas.
Financial Technology Companies, or FinTechs, are also providing nontraditional, but increasingly strong, competition for our borrowers, depositors, and other customers.
We compete for loans primarily on the basis of a combination of value and service by building customer relationships as a result of addressing our customers’ entire suite of banking needs, demonstrating expertise, and providing convenience to our customers.
We also consider the competitive pricing pressures in each of our markets.
We compete for deposits similarly on a basis of a combination of value and service and by providing convenience through a banking network of branches and ATMs within our markets and our website at www.
huntington.
com.
We also employ customer friendly practices, such as our 24-Hour Grace?
account feature, which gives customers an additional business day to cover overdrafts to their consumer account without being charged overdraft fees.
The table below shows our competitive ranking and market share based on deposits of FDIC-insured institutions as of June 30, 2018, in the top 10 metropolitan statistical areas (MSA) in which we compete:
## Table 1 ##
Many of our nonfinancial institution competitors have fewer regulatory constraints, broader geographic service areas, greater capital, and, in some cases, lower cost structures.
In addition, competition for quality customers has intensified as a result of changes in regulation, advances in technology and product delivery systems, consolidation among financial service providers, and bank failures.
FinTechs continue to emerge in key areas of banking.
In response, we are monitoring activity in marketplace lending along with businesses engaged in money transfer, investment advice, and money management tools.
Our strategy involves assessing the marketplace and determining our near term plan, while developing a longer term approach to effectively service our existing customers and attract new customers.
This includes evaluating which products we develop in-house, as well as evaluating partnership options, where applicable.
Regulatory Matters Regulatory Environment The banking industry is highly regulated.
We are subject to supervision, regulation, and examination by various federal and state regulators, including the Federal Reserve, OCC, SEC, CFPB, FDIC, FINRA, and various state regulatory agencies.
The
Item 12.
Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters Information as to the number of shares of our equity securities beneficially owned by each of our directors and nominees for director, our named executive officers, our directors and executive officers as a group, and certain beneficial owners is set forth in the Security Ownership of Certain Beneficial Owners and Management segment of the Proxy Statement and is incorporated herein by reference.
The following table summarizes the equity compensation plans under which Union Pacific Corporation common stock may be issued as of December 31, 2008.
## Table 2 ##
[1] Includes 1,494,925 retention units that do not have an exercise price.
Does not include 1,419,554 retention shares that are actually issued and outstanding.
[2] Does not include the retention units or retention shares described above in footnote [1].
Item 13.
Certain Relationships and Related Transactions and Director Independence Information on related transactions is set forth in the Certain Relationships and Related Transactions and Compensation Committee Interlocks and Insider Participation segments of the Proxy Statement and is incorporated herein by reference.
We do not have any relationship with any outside third party that would enable such a party to negotiate terms of a material transaction that may not be available to, or available from, other parties on an arm’s-length basis.
Information regarding the independence of our directors is set forth in the Director Independence segment of the Proxy Statement and is incorporated herein by reference.
Item 14.
Principal Accountant Fees and Services Information concerning the fees billed by our independent registered public accounting firm and the nature of services comprising the fees for each of the two most recent fiscal years in each of the following categories: (i) audit fees, (ii) audit-related fees, (iii) tax fees, and (iv) all other fees, is set forth in the Independent Registered Public Accounting Firm’s Fees and Services segment of the Proxy Statement and is incorporated herein by reference.
Information concerning our Audit Committee’s policies and procedures pertaining to pre-approval of audit and non-audit services rendered by our independent registered public accounting firm is set forth in the Audit Committee segment of the Proxy Statement and is incorporated herein by reference.

<table><tr><td></td><td colspan="7">Average Balances</td></tr><tr><td></td><td></td><td colspan="2">Change from 2010</td><td></td><td colspan="2">Change from 2009</td><td></td></tr><tr><td> Fully-taxable equivalent basis-1</td><td>2011</td><td>Amount</td><td>Percent</td><td>2010</td><td>Amount</td><td>Percent</td><td>2009</td></tr><tr><td> (dollar amounts in millions)</td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td colspan="8">ASSETS</td></tr><tr><td>Interest-bearing deposits in banks</td><td>$133</td><td>$-156</td><td>-54%</td><td>$289</td><td>$-72</td><td>-20%</td><td>$361</td></tr><tr><td>Trading account securities</td><td>107</td><td>-51</td><td>-32</td><td>158</td><td>13</td><td>9</td><td>145</td></tr><tr><td>Federal funds sold and securities purchased under resale agreement</td><td>5</td><td>5</td><td>—</td><td>—</td><td>-10</td><td>-100</td><td>10</td></tr><tr><td>Loans held for sale</td><td>288</td><td>-241</td><td>-46</td><td>529</td><td>-53</td><td>-9</td><td>582</td></tr><tr><td>Available-for-sale and other securities:</td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Taxable</td><td>8,371</td><td>-389</td><td>-4</td><td>8,760</td><td>2,659</td><td>44</td><td>6,101</td></tr><tr><td>Tax-exempt</td><td>428</td><td>17</td><td>4</td><td>411</td><td>197</td><td>92</td><td>214</td></tr><tr><td>Total available-for-sale and other securities</td><td>8,799</td><td>-372</td><td>-4</td><td>9,171</td><td>2,856</td><td>45</td><td>6,315</td></tr><tr><td>Held-to-maturity securities — taxable</td><td>375</td><td>375</td><td>—</td><td>—</td><td>—</td><td>—</td><td>—</td></tr><tr><td>Loans and leases: -3</td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Commercial:</td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Commercial and industrial</td><td>13,597</td><td>1,166</td><td>9</td><td>12,431</td><td>-705</td><td>-5</td><td>13,136</td></tr><tr><td>Commercial real estate:</td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Construction</td><td>592</td><td>-504</td><td>-46</td><td>1,096</td><td>-762</td><td>-41</td><td>1,858</td></tr><tr><td>Commercial</td><td>5,613</td><td>-516</td><td>-8</td><td>6,129</td><td>-1,169</td><td>-16</td><td>7,298</td></tr><tr><td>Commercial real estate</td><td>6,205</td><td>-1,020</td><td>-14</td><td>7,225</td><td>-1,931</td><td>-21</td><td>9,156</td></tr><tr><td>Total commercial</td><td>19,802</td><td>146</td><td>1</td><td>19,656</td><td>-2,636</td><td>-12</td><td>22,292</td></tr><tr><td>Consumer:</td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Automobile loans and leases</td><td>5,877</td><td>987</td><td>20</td><td>4,890</td><td>1,344</td><td>38</td><td>3,546</td></tr><tr><td>Home equity</td><td>7,940</td><td>350</td><td>5</td><td>7,590</td><td>—</td><td>—</td><td>7,590</td></tr><tr><td>Residential mortgage</td><td>4,717</td><td>241</td><td>5</td><td>4,476</td><td>-66</td><td>-1</td><td>4,542</td></tr><tr><td>Other consumer</td><td>531</td><td>-130</td><td>-20</td><td>661</td><td>-61</td><td>-8</td><td>722</td></tr><tr><td>Total consumer</td><td>19,065</td><td>1,448</td><td>8</td><td>17,617</td><td>1,217</td><td>7</td><td>16,400</td></tr><tr><td>Total loans and leases</td><td>38,867</td><td>1,594</td><td>4</td><td>37,273</td><td>-1,419</td><td>-4</td><td>38,692</td></tr><tr><td>Allowance for loan and lease losses</td><td>-1,109</td><td>321</td><td>-22</td><td>-1,430</td><td>-474</td><td>50</td><td>-956</td></tr><tr><td>Net loans and leases</td><td>37,758</td><td>1,915</td><td>5</td><td>35,843</td><td>-1,893</td><td>-5</td><td>37,736</td></tr><tr><td>Total earning assets</td><td>48,574</td><td>1,154</td><td>2</td><td>47,420</td><td>1,315</td><td>3</td><td>46,105</td></tr><tr><td>Cash and due from banks</td><td>1,436</td><td>-82</td><td>-5</td><td>1,518</td><td>-614</td><td>-29</td><td>2,132</td></tr><tr><td>Intangible assets</td><td>645</td><td>-57</td><td>-8</td><td>702</td><td>-700</td><td>-50</td><td>1,402</td></tr><tr><td>All other assets</td><td>4,204</td><td>-160</td><td>-4</td><td>4,364</td><td>607</td><td>16</td><td>3,757</td></tr><tr><td> Total Assets</td><td>$53,750</td><td>$1,176</td><td>2%</td><td>$52,574</td><td>$134</td><td>—%</td><td>$52,440</td></tr><tr><td colspan="8">LIABILITIES AND SHAREHOLDERS’ EQUITY</td></tr><tr><td>Deposits:</td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Demand deposits — noninterest-bearing</td><td>$8,653</td><td>$1,794</td><td>26%</td><td>$6,859</td><td>$802</td><td>13%</td><td>$6,057</td></tr><tr><td>Demand deposits — interest-bearing</td><td>5,517</td><td>-62</td><td>-1</td><td>5,579</td><td>763</td><td>16</td><td>4,816</td></tr><tr><td>Money market deposits</td><td>13,322</td><td>1,579</td><td>13</td><td>11,743</td><td>4,527</td><td>63</td><td>7,216</td></tr><tr><td>Savings and other domestic deposits</td><td>4,735</td><td>93</td><td>2</td><td>4,642</td><td>-239</td><td>-5</td><td>4,881</td></tr><tr><td>Core certificates of deposit</td><td>7,702</td><td>-1,486</td><td>-16</td><td>9,188</td><td>-2,756</td><td>-23</td><td>11,944</td></tr><tr><td>Total core deposits</td><td>39,929</td><td>1,918</td><td>5</td><td>38,011</td><td>3,097</td><td>9</td><td>34,914</td></tr><tr><td>Other domestic time deposits of $250,000 or more</td><td>465</td><td>-232</td><td>-33</td><td>697</td><td>-144</td><td>-17</td><td>841</td></tr><tr><td>Brokered time deposits and negotiable CDs</td><td>1,422</td><td>-181</td><td>-11</td><td>1,603</td><td>-1,544</td><td>-49</td><td>3,147</td></tr><tr><td>Deposits in foreign offices</td><td>389</td><td>-38</td><td>-9</td><td>427</td><td>-60</td><td>-12</td><td>487</td></tr><tr><td>Total deposits</td><td>42,205</td><td>1,467</td><td>4</td><td>40,738</td><td>1,349</td><td>3</td><td>39,389</td></tr><tr><td>Short-term borrowings</td><td>2,055</td><td>609</td><td>42</td><td>1,446</td><td>513</td><td>55</td><td>933</td></tr><tr><td>Federal Home Loan Bank advances</td><td>111</td><td>-62</td><td>-36</td><td>173</td><td>-1,063</td><td>-86</td><td>1,236</td></tr><tr><td>Subordinated notes and other long-term debt</td><td>3,165</td><td>-615</td><td>-16</td><td>3,780</td><td>-541</td><td>-13</td><td>4,321</td></tr><tr><td>Total interest-bearing liabilities</td><td>38,883</td><td>-395</td><td>-1</td><td>39,278</td><td>-544</td><td>-1</td><td>39,822</td></tr><tr><td>All other liabilities</td><td>976</td><td>20</td><td>2</td><td>956</td><td>182</td><td>24</td><td>774</td></tr><tr><td>Shareholders’ equity</td><td>5,238</td><td>-243</td><td>-4</td><td>5,481</td><td>-306</td><td>-5</td><td>5,787</td></tr><tr><td> Total Liabilities and Shareholders’ Equity</td><td>$53,750</td><td>$1,176</td><td>2%</td><td>$52,574</td><td>$134</td><td>—%</td><td>$52,440</td></tr></table>
<table><tr><td>MSA</td><td>Rank</td><td>Deposits(in millions)</td><td>Market Share</td></tr><tr><td>Columbus, OH</td><td>1</td><td>$24,746</td><td>37%</td></tr><tr><td>Cleveland, OH</td><td>2</td><td>9,718</td><td>14</td></tr><tr><td>Detroit, MI</td><td>6</td><td>7,737</td><td>6</td></tr><tr><td>Akron, OH</td><td>1</td><td>3,937</td><td>28</td></tr><tr><td>Indianapolis, IN</td><td>4</td><td>3,452</td><td>7</td></tr><tr><td>Cincinnati, OH</td><td>5</td><td>3,365</td><td>3</td></tr><tr><td>Pittsburgh, PA</td><td>9</td><td>2,955</td><td>2</td></tr><tr><td>Toledo, OH</td><td>2</td><td>2,491</td><td>22</td></tr><tr><td>Grand Rapids, MI</td><td>2</td><td>2,416</td><td>11</td></tr><tr><td>Chicago, IL</td><td>20</td><td>2,303</td><td>1</td></tr><tr><td>Source: FDIC.gov, based on June 30, 2018 survey.</td><td></td><td></td><td></td></tr></table>
<table><tr><td><i>Plan Category</i></td><td><i>Number of securitiesto be issued uponexercise ofoutstanding options,warrantsand rights(a)</i></td><td><i>Weighted-averageexercise price ofoutstanding options,warrants and rights(b)</i></td><td><i>Number ofsecuritiesremaining available forfuture issuance underequity compensationplans (excludingsecurities reflected incolumn (a))</i><i>(c)</i></td></tr><tr><td>Equity compensation plans approved by security holders</td><td>13,477,830 [1]</td><td>$ 40.81 [2]</td><td>36,961,123</td></tr><tr><td>Total</td><td>13,477,830</td><td>$ 40.81</td><td>36,961,123</td></tr></table>

Question: What is the average value of Tax-exempt in in 2009,2010,and 2011? (in million)