Home equity – Home equity lending includes both home equity loans and lines-of-credit.
This type of lending, which is secured by a first-lien or junior-lien on the borrower’s residence, allows customers to borrow against the equity in their home or refinance existing mortgage debt.
Products include closed-end loans which are generally fixed-rate with principal and interest payments, and variable-rate, interest-only lines-of-credit which do not require payment of principal during the 10-year revolving period.
The home equity line of credit may convert to a 20-year amortizing structure at the end of the revolving period.
Applications are underwritten centrally in conjunction with an automated underwriting system.
The home equity underwriting criteria is based on minimum credit scores, debt-to-income ratios, and LTV ratios, with current collateral valuations.
The underwriting for the floating rate lines of credit also incorporates a stress analysis for a rising interest rate.
Residential mortgage – Residential mortgage loans represent loans to consumers for the purchase or refinance of a residence.
These loans are generally financed over a 15-year to 30-year term, and in most cases, are extended to borrowers to finance their primary residence.
Applications are underwritten centrally using consistent credit policies and processes.
All residential mortgage loan decisions utilize a full appraisal for collateral valuation.
Huntington has not originated or acquired residential mortgages that allow negative amortization or allow the borrower multiple payment options.
RV and marine finance – RV and marine finance loans are loans provided to consumers for the purpose of financing recreational vehicles and boats.
Loans are originated on an indirect basis through a series of dealerships across 26 states.
The loans are underwritten centrally using an application and decisioning system similar to automobile loans.
The current portfolio includes 60% of the balances within our core footprint states.
Other consumer – Other consumer loans primarily consists of consumer loans not secured by real estate, including personal unsecured loans, overdraft balances, and credit cards.
The table below provides the composition of our total loan and lease portfolio: Table 9 - Loan and Lease Portfolio Composition (dollar amounts in millions)
## Table 0 ##
In consumer lending, credit risk is managed from a segment (i. e. , loan type, collateral position, geography, etc. )
and vintage performance analysis.
All portfolio segments are continuously monitored for changes in delinquency trends and other asset quality indicators.
We make extensive use of portfolio assessment models to continuously monitor the quality of the portfolio, which may result in changes to future origination strategies.
The ongoing analysis and review process results in a determination of an appropriate ALLL amount for our consumer loan portfolio.
The independent risk management group has a consumer process review component to ensure the effectiveness and efficiency of the consumer credit processes.
Collection actions by our customer assistance team are initiated as needed through a centrally managed collection and recovery function.
We employ a series of collection methodologies designed to maintain a high level of effectiveness, while maximizing efficiency.
In addition to the consumer loan portfolio, the customer assistance team is responsible for collection activity on all sold and securitized consumer loans and leases.
Collection practices include a single contact point for the majority of the residential real estate secured portfolios.
AUTOMOBILE PORTFOLIO Our strategy in the automobile portfolio continues to focus on high quality borrowers as measured by both FICO and internal custom scores, combined with appropriate LTVs, terms, and profitability.
Our strategy and operational capabilities allow us to appropriately manage the origination quality across the entire portfolio, including our newer markets.
Although increased origination volume and entering new markets can be associated with increased risk levels, we believe our disciplined strategy and operational processes significantly mitigate these risks.
We have continued to consistently execute our value proposition and take advantage of available market opportunities.
Importantly, we have maintained our high credit quality standards while expanding the portfolio.
RESIDENTIAL REAL ESTATE SECURED PORTFOLIOS The properties securing our residential mortgage and home equity portfolios are primarily located within our geographic footprint.
Huntington continues to support our local markets with consistent underwriting across all residential secured products.
The residential-secured portfolio originations continue to be of high quality, with the majority of the negative credit impact coming from loans originated in 2006 and earlier.
Our portfolio management strategies associated with our Home Savers group allow us to focus on effectively helping our customers with appropriate solutions for their specific circumstances.
Table 11 - Selected Home Equity and Residential Mortgage Portfolio Data (dollar amounts in millions)
## Table 1 ##
(1) The LTV ratios for home equity loans and home equity lines-of-credit are cumulative and reflect the balance of any senior loans.
LTV ratios reflect collateral values at the time of loan origination.
(2) Portfolio weighted average FICO scores reflect currently updated customer credit scores whereas origination weighted-average FICO scores reflect the customer credit scores at the time of loan origination.
(3) Represents only owned-portfolio originations.
In March 2011, we announced a new program under which the purchase by us of up to $675 million of our common stock in 2011 was authorized by our Board of Directors.
During 2011, we purchased approximately 16.3 million shares of our common stock under this program, and as of December 31, 2011, no purchase authority remained under the program.
The following table presents purchases of our common stock and related information for the three months ended December 31, 2011.
## Table 2 ##
Additional information about our common stock, including Board of Directors authorization with respect to purchases by us of our common stock, is provided under “Capital-Regulatory Capital” in Management’s Discussion and Analysis, included under Item 7, and in note 12 to the consolidated financial statements included under Item 8, and is incorporated herein by reference.
RELATED STOCKHOLDER MATTERS As a bank holding company, the parent company is a legal entity separate and distinct from its principal banking subsidiary, State Street Bank, and its non-banking subsidiaries.
The right of the parent company to participate as a shareholder in any distribution of assets of State Street Bank upon its liquidation, reorganization or otherwise is subject to the prior claims by creditors of State Street Bank, including obligations for federal funds purchased and securities sold under repurchase agreements and deposit liabilities.
Payment of common stock dividends by State Street Bank is subject to the provisions of Massachusetts banking law, which provide that dividends may be paid out of net profits provided (i) capital stock and surplus remain unimpaired, (ii) dividend and retirement fund requirements of any preferred stock have been met, (iii) surplus equals or exceeds capital stock, and (iv) losses and bad debts, as defined, in excess of reserves specifically established for such losses and bad debts, have been deducted from net profits.
Under the Federal Reserve Act and Massachusetts state law, regulatory approval of the Federal Reserve and the Massachusetts Division of Banks would be required if dividends declared by State Street Bank in any year exceeded the total of its net profits for that year combined with its retained net profits for the preceding two years, less any required transfers to surplus.
In 2011, the parent company declared aggregate common stock dividends of $0.72 per share, or approximately $358 million.
In 2010, the parent company declared aggregate common stock dividends of $0.04 per share, or $20 million.
The 2011 common stock dividends represented the first increase in our common stock dividend since we announced a reduction of such dividends in the first quarter of 2009.
The prior approval of the Federal Reserve is required for us to pay future common stock dividends.
Information about dividends from the parent company and from our subsidiary banks is provided under “Capital—Regulatory Capital” in Management’s Discussion and Analysis, included under Item 7, and in note 15 to the consolidated financial statements included under Item 8, and is incorporated herein by reference.
Future dividend payments of State Street Bank and other non-banking subsidiaries cannot be determined at this time.
As of December 31, 2011, the parent company had $500 million outstanding in aggregate liquidation preference of its series A preferred stock.
Holders of shares of the preferred stock are entitled to receive noncumulative cash dividends, only when, as and if declared by the parent company’s Board of Directors.
Any dividends on the preferred stock are calculated at a rate per annum equal to the three-month LIBOR for the relevant three-month period plus 4.99%, with such dividend rate applied to the outstanding liquidation preference

<table><tr><td></td><td colspan="10">At December 31,</td></tr><tr><td></td><td colspan="2">2016</td><td colspan="2">2015</td><td colspan="2">2014</td><td colspan="2">2013</td><td colspan="2">2012</td></tr><tr><td>Ending Balances by Type:</td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Originated loans</td><td></td><td></td><td></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><td></td><td></td><td></td></tr><tr><td>Commercial and industrial</td><td>$21,631</td><td>41%</td><td>$20,560</td><td>41%</td><td>$19,033</td><td>40%</td><td>$17,594</td><td>41%</td><td>$16,971</td><td>42%</td></tr><tr><td>Commercial real estate:</td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Construction</td><td>979</td><td>2</td><td>1,031</td><td>2</td><td>875</td><td>2</td><td>557</td><td>1</td><td>648</td><td>2</td></tr><tr><td>Commercial</td><td>4,740</td><td>9</td><td>4,237</td><td>8</td><td>4,322</td><td>9</td><td>4,293</td><td>10</td><td>4,751</td><td>12</td></tr><tr><td>Commercial real estate</td><td>5,719</td><td>11</td><td>5,268</td><td>10</td><td>5,197</td><td>11</td><td>4,850</td><td>11</td><td>5,399</td><td>14</td></tr><tr><td>Total commercial</td><td>27,350</td><td>52</td><td>25,828</td><td>51</td><td>24,230</td><td>51</td><td>22,444</td><td>52</td><td>22,370</td><td>56</td></tr><tr><td>Consumer:</td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Automobile</td><td>9,619</td><td>18</td><td>9,481</td><td>19</td><td>8,690</td><td>18</td><td>6,639</td><td>15</td><td>4,634</td><td>11</td></tr><tr><td>Home equity</td><td>8,665</td><td>16</td><td>8,471</td><td>17</td><td>8,491</td><td>18</td><td>8,336</td><td>19</td><td>8,335</td><td>20</td></tr><tr><td>Residential mortgage</td><td>6,717</td><td>13</td><td>5,998</td><td>12</td><td>5,831</td><td>12</td><td>5,321</td><td>12</td><td>4,970</td><td>12</td></tr><tr><td>RV and marine finance</td><td>166</td><td>—</td><td>—</td><td>—</td><td>—</td><td>—</td><td>—</td><td>—</td><td>—</td><td>—</td></tr><tr><td>Other consumer</td><td>730</td><td>1</td><td>563</td><td>1</td><td>414</td><td>1</td><td>380</td><td>2</td><td>419</td><td>1</td></tr><tr><td>Total consumer</td><td>25,897</td><td>48</td><td>24,513</td><td>49</td><td>23,426</td><td>49</td><td>20,676</td><td>48</td><td>18,358</td><td>44</td></tr><tr><td>Total originated loans and leases</td><td>$53,247</td><td>100%</td><td>$50,341</td><td>100%</td><td>$47,656</td><td>100%</td><td>$43,120</td><td>100%</td><td>$40,728</td><td>100%</td></tr><tr><td>Acquired loans -1</td><td></td><td></td><td></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><td></td><td></td><td></td></tr><tr><td>Commercial and industrial</td><td>$6,428</td><td>47%</td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Commercial real estate:</td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Construction</td><td>467</td><td>3</td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Commercial</td><td>1,115</td><td>8</td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Commercial real estate</td><td>1,582</td><td>11</td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Total commercial</td><td>8,010</td><td>58</td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Consumer:</td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Automobile</td><td>1,350</td><td>10</td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Home equity</td><td>1,441</td><td>11</td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr></table>
<table><tr><td></td><td colspan="2">Home Equity</td><td colspan="2">Residential Mortgage</td></tr><tr><td></td><td colspan="4">December 31,</td></tr><tr><td></td><td>2016</td><td>2015</td><td>2016</td><td>2015</td></tr><tr><td>Ending balance</td><td>$10,106</td><td>$8,471</td><td>$7,725</td><td>$5,998</td></tr><tr><td>Portfolio weighted-average LTV ratio -1</td><td>75%</td><td>75%</td><td>75%</td><td>75%</td></tr><tr><td>Portfolio weighted-average FICO score -2</td><td>760</td><td>760</td><td>748</td><td>752</td></tr><tr><td></td><td colspan="2">Home Equity</td><td colspan="2">Residential Mortgage -3</td></tr><tr><td></td><td colspan="4">Twelve months ended December 31,</td></tr><tr><td></td><td>2016</td><td>2015</td><td>2016</td><td>2015</td></tr><tr><td>Originations</td><td>$2,717</td><td>$2,606</td><td>$1,878</td><td>$1,409</td></tr><tr><td>Origination weighted-average LTV ratio -1</td><td>78%</td><td>77%</td><td>84%</td><td>83%</td></tr><tr><td>Origination weighted-average FICO score -2</td><td>775</td><td>774</td><td>751</td><td>754</td></tr></table>
<table><tr><td>(Dollars in millions, except per share amounts, shares in thousands) Period</td><td>Total Number of Shares Purchased Under Publicly Announced Program</td><td>Average Price Paid per Share</td><td>Approximate Dollar Value of Shares Purchased UnderPublicly Announced Program</td><td>Approximate Dollar Value of Shares Yet to be Purchased Under Publicly Announced Program</td></tr><tr><td>October 1 - October 31, 2011</td><td>1,528</td><td>$40.15</td><td>$61</td><td>$164</td></tr><tr><td>November 1 - November 30, 2011</td><td>4,086</td><td>40.05</td><td>164</td><td>—</td></tr><tr><td>December 1 - December 31, 2011</td><td>—</td><td>—</td><td>—</td><td>—</td></tr><tr><td>Total</td><td>5,614</td><td>$40.08</td><td>$225</td><td>—</td></tr></table>

Question: What was the average of Commercial real estate in 2016, 2015, and 2014?"