(2) Yields on interest-earning investment securities are based on amortized cost, therefore do not give effect to unrealized changes in fair value that are reflected in other comprehensive income.
(3) Interest income on non-taxable investment securities is presented on a fully taxable equivalent basis using the federal statutory income tax rate of 35.0 percent for all years presented.
(4) Nonaccrual loans are reflected in the average balances of loans.
(5) Average investment securities of $957.7 million, $686.8 million and $505.5 million in 2011, 2010 and 2009, respectively, were classified as other assets as they were noninterest-earning assets.
These investments primarily consisted of non-marketable securities.
Provision for Loan Losses Our provision for loan losses is based on our evaluation of the adequacy of the existing allowance for loan losses in relation to total gross loans using historical and other objective information, and on our periodic assessment of the inherent and identified risk dynamics of the loan portfolio resulting from reviews of selected individual loans.
For a more detailed discussion of credit quality and the allowance for loan losses, see “Management’s Discussion and Analysis of Financial Condition and Results of Operations—Critical Accounting Policies and Estimates” and “—Consolidated Financial Condition—Credit Quality and the Allowance for Loan Losses” below.
The following table summarizes our allowance for loan losses for 2011, 2010 and 2009, respectively:
## Table 0 ##
We had a provision of loan losses of $6.1 million in 2011, compared to a provision of $44.6 million in 2010.
The provision of $6.1 million was primarily due to an increase in the allowance for the increase in period-end loans, partially offset by a decrease in the allowance for our performing loans.
Our allowance for loan losses for total gross performing loans as a percentage of total gross performing loans decreased to 1.23 percent at December 31, 2011, compared to 1.37 percent at December 31, 2010, primarily due to the strong overall credit quality of our clients.
Gross loan charge-offs of $23.9 million in 2011 came primarily from our technology and life science client portfolios.
Loan recoveries of $25.1 million in 2011 were primarily from our technology and life sciences client portfolios.
Our provision for loan losses decreased by $45.6 million to $44.6 million in 2010, compared to $90.2 million in 2009.
Gross loan charge-offs of $51.2 million in 2010 came primarily from our hardware, software and life science client portfolios.
Loan recoveries of $16.8 million in 2010 were primarily from our hardware, software and life sciences client portfolios.
Table of Contents Noninterest expense increased by $51.2 million in 2011, primarily due to an increase in incentive compensation and an increase in salaries and wages expenses.
The increase in incentive compensation expenses was due to our strong financial performance in 2011 as we exceeded our internal performance targets for the year.
The increase in salaries and wages was primarily due to an increase in the average number of FTE employees at GCB, which increased to 1,142 in 2011, compared to 1,046 in 2010, as well as from merit increases.2010 compared to 2009 Net interest income from our GCB decreased by $12.7 million in 2010, primarily due to a $45.1 million decrease in the FTP earned for deposits due to decreases in market interest rates and a $15.1 million decrease in loan interest income resulting mainly from a decrease in average loan balances.
These decreases were partially offset by a $36.7 million increase in the FTP earned for deposits due to significant deposit growth, as well as a $6.7 million decrease in interest expense from deposits resulting primarily from decreases in our deposit rates.
We had a provision for loan losses for GCB of $42.4 million in 2010, compared to a provision of $79.9 million in 2009.
The decrease in provision was primarily due to a decrease in net charge-offs as a result of an improvement in the overall credit quality of our clients for 2010.
Noninterest income increased by $16.7 million in 2010, primarily due to an increase in foreign exchange fees, credit card fees and deposit service charges.
The increase in foreign exchange fees was primarily due to improving business conditions for our clients, which has resulted in higher commissioned notional volumes.
Commissioned notional volumes increased to $6.7 billion in 2010, compared to $5.0 billion in 2009.
The increase in credit card fees was primarily due to the addition of new credit card clients, as well as an increase in client activity.
The increase in deposit service charges was primarily due to an increase in the volume of transactions as a result of deposit growth.
Noninterest expense increased by $65.9 million in 2010, primarily due to an increase in incentive compensation, salaries and wages and ESOP expenses.
The increase in incentive compensation and ESOP expenses was due to us exceeding our internal performance targets for 2010 as compared to our 2009, incentive compensation levels, which were at half of target levels as we did not achieve all of our internal performance targets for 2009.
The increase in salaries and wages was primarily due to an increase in the average number of FTE employees at GCB, which increased to 1,046 in 2010, compared to 999 in 2009, as well as from merit increases.
SVB Private Bank
## Table 1 ##
VISA INC.  NOTES TO CONSOLIDATED FINANCIAL STATEMENTS—(Continued) September 30, 2008 (in millions, except as noted) were converted on a one-to-one basis from class EU (series I, II, III) common stock to class C (series III, II, and IV) common stock concurrent with the true-up.
The results of the true-up are reflected in the table below.
Fractional shares resulting from the conversion of the shares of each individual stockholder have been rounded down.
These fractional shares were paid in cash to stockholders as part of the initial redemption of class B common stock and class C common stock shortly following the IPO.
## Table 2 ##
(1) The amount of the class USA common stock outstanding prior to the true-up is net of 131,592,008 shares held by wholly-owned subsidiaries of the Company.
(2) The amount of the class B common stock outstanding subsequent to the true-up is net of 123,525,418 shares held by wholly-owned subsidiaries of the Company.
Also, the Company issued 51,844,393 additional shares of class C (series II) common stock at a price of $44 per share in exchange for a subscription receivable from Visa Europe.
This issuance and subscription receivable were recorded as offsetting entries in temporary equity on the Company’s consolidated balance sheet at September 30, 2008.
Initial Public Offering In March 2008, the Company completed its IPO with the issuance of 446,600,000 shares of class A common stock at a net offering price of $42.77 (the IPO price of $44.00 per share of class A common stock, less underwriting discounts and commissions of $1.23 per share).
The Company received net proceeds of $19.1 billion as a result of the IPO.
El Paso Market The El Paso market for refined products is currently supplied by a number of area and Gulf Coast refiners and pipelines.
Area refiners include Navajo, WRB Refining, LLC (“WRB”) (a joint venture between Phillips 66 and Cenovus Energy), Valero, Alon USA, Inc.  (“Alon”) and Western Refining.
Pipelines serving this market are owned by Magellan, NuStar Energy L. P.  and HEP.
Refined products from the Gulf Coast are transported via Magellan pipelines.
Arizona Market The Arizona market for refined products is currently supplied by a number of refiners via pipelines and trucks.
Refiners include companies located in west Texas, eastern New Mexico, northern New Mexico, the Gulf Coast and the West Coast.
Magellan's pipeline systems deliver refined products from the Texas Gulf Coast to El Paso and, through interconnections with third-party common carrier pipelines, into the Arizona market.
New Mexico Markets The Artesia, Albuquerque, Moriarty and Bloomfield markets are supplied by a number of refiners via pipelines and trucks.
Refiners include Navajo, Valero, Western Refining, Alon and WRB.
We use a common carrier pipeline out of El Paso to serve the Albuquerque market.
In addition, HEP leases from Mid-America Pipeline Company, L. L. C. , a pipeline between White Lakes, New Mexico and the Albuquerque vicinity and Bloomfield, New Mexico.
The lease agreement currently runs through 2017, and HEPhas options to renew for two additional ten-year periods.
HEP owns and operates a 12-inch pipeline from the Navajo Refinery to the leased pipeline as well as terminalling facilities in Moriarty, which is 40 miles east of Albuquerque.
This facility permits us to ship light products to the Albuquerque and Santa Fe, New Mexico areas.
In addition, we serve southern Colorado and northern Arizona primarily out of a terminal in Bloomfield, New Mexico, which is owned by Western Refining.
Principal Products Set forth below is information regarding the principal products produced at our Navajo Refinery:
## Table 3 ##
Crude Oil and Feedstock Supplies The Navajo Refinery is situated near the Permian Basin, an area that has historically, and continues to have, abundant supplies of crude oil available both for regional users and for export to other areas.
We purchase crude oil from independent producers in southeastern New Mexico and west Texas as well as from major oil companies.
The crude oil is gathered through HEP's pipelines and through third-party tank trucks and crude oil pipeline systems for delivery to the Navajo Refinery.
We also purchase volumes of isobutane, natural gasoline and other feedstocks to supply the Navajo Refinery from sources in Texas and the Mid-Continent area that are delivered to our region on a common carrier pipeline owned by Enterprise Products, L. P.  Ultimately all volumes of these products are shipped to the Artesia refining facilities on HEP's intermediate pipelines running from Lovington to Artesia.
From time to time, we purchase gas oil, naphtha and light cycle oil from other refiners for use as feedstock.
Rocky Mountain Region (Cheyenne and Woods Cross Refineries) Facilities The Cheyenne and the Woods Cross Refineries have crude oil processing capacities of 52,000 and 31,000 barrels per stream day, respectively.
The Cheyenne Refinery processes heavy Canadian crudes as well as local sweet crudes such as that produced from the Bakken shale and similar resources.
The Woods Cross Refinery processes regional sweet and black wax crude as well as Canadian sour crude oils into high-value light products.
For 2015, gasoline and diesel fuel (excluding volumes purchased for resale) represented 57% and 36%, respectively, of our Rocky Mountain sales volumes.
HEWLETT PACKARD ENTERPRISE COMPANY AND SUBSIDIARIES Notes to Consolidated and Combined Financial Statements (Continued) Note 5: Stock-Based Compensation (Continued) The aggregate intrinsic value in the table above represents the total pre-tax intrinsic value that Company employee option holders would have realized had all option holders exercised their options on the last trading day of fiscal 2016, 2015 and 2014.
For fiscal 2016, the aggregate intrinsic value is the difference between the Company’s closing common stock price on the last trading day of the fiscal year and the exercise price, multiplied by the number of in-the-money options.
For fiscal 2015 and 2014, the aggregate intrinsic value is the difference between former Parent’s closing stock price on the last trading day of the fiscal year and the exercise price, multiplied by the number of in-the-money options.
The total intrinsic value of options exercised in fiscal 2016, 2015 and 2014 was $62 million, $94 million and $78 million, respectively.
The total grant date fair value of options granted which vested in fiscal 2016, 2015 and 2014 was $18 million, $38 million and $46 million, respectively, net of taxes.
The following table summarizes significant ranges of outstanding and exercisable stock options:
## Table 4 ##
As of October 31, 2016, there was $58 million of unrecognized pre-tax stock-based compensation expense related to stock options, which the Company expects to recognize over the remaining weightedaverage vesting period of 1.8 years.
Employee Stock Purchase Plan The ESPP allows eligible employees to contribute up to 10% of their eligible compensation to purchase Hewlett Packard Enterprise’s common stock.
The ESPP provides for a discount not to exceed 15% and an offering period up to 24 months.
The Company currently offers 6 month offering periods during which employees have the ability to purchase shares at 95% of the closing market price on the purchase date.
No stock-based compensation expense was recorded in connection with those purchases, as the criteria of a non-compensatory plan were met.
Prior to the Separation, former Parent sponsored the ESPP, pursuant to which eligible employees could contribute up to 10% of their eligible compensation, subject to certain income limits, to purchase shares of former Parent’s common stock.
Pursuant to the terms of the ESPP, employees purchased stock under the ESPP at a price equal to 95% of former Parent’s closing stock price on the purchase date.
No stock-based compensation expense was recorded in connection with those purchases because the criteria of a non-compensatory plan were met.
Note 6: Taxes on Earnings Prior to the Separation, Hewlett Packard Enterprise’s operating results were included in former Parent’s various consolidated U. S.  federal and state income tax returns, as well as non-U.
S.  tax filings.
For the purposes of the Company’s Consolidated and Combined Financial Statements for periods prior to the Separation, income tax expense and deferred tax balances have been recorded as if the Company filed tax
Year Ended December 31, 2015, as Compared with Year Ended December 31, 2014 Net sales Net sales for 2015 were $8,071.6 million, reflecting an increase of $268.1 million, or 3.4%, from the $7,803.4 million reported for 2014.
The increase was primarily attributable to higher sales volume of approximately $785 million, or 10%, partially offset by the net impact of unfavorable foreign exchange rates of approximately $490 million, or 6%, and the unfavorable net impact of price and product mix of approximately $28 million.
Of the $785 million increase in volume, approximately $396 million was attributable to acquisitions.
Global Ceramic Segment—Net sales decreased $2.4 million, or 0.1%, to $3,012.9 million for 2015, compared to $3,015.3 million for 2014.
The decrease was primarily attributable to the net impact of unfavorable foreign exchange rates of approximately $252 million, or 8%, partially offset by higher sales volume of approximately $150 million, or 5%, and the favorable net impact of price and product mix of approximately $99 million, or 3%.
Of the $150 million increase in volume, approximately $65 million was attributable to the KAI Group acquisition.
Flooring NA Segment—Net sales increased $161.1 million, or 4.7%, to $3,602.1 million for 2015, compared to $3,441.0 million for 2014.
The increase was primarily attributable to higher sales volume of approximately $275 million, or 8%, partially offset by the unfavorable net impact of price and product mix of approximately $114 million, or 3%.
Of the $275 million increase in volume, approximately $77 million was attributable to the IVC Group acquisition.
Flooring ROW Segment—Net sales increased $102.9 million, or 7.6%, to $1,456.9 million for 2015, compared to $1,354.0 million for 2014.
The increase was primarily attributable to higher volume of approximately $354 million, or 26%, partially offset by the net impact of unfavorable foreign exchange rates of approximately $238 million, or 18%, and the unfavorable net impact of price and product mix of approximately $13 million, or 1%.
Of the $354 million increase in volume, approximately $254 million was attributable to the IVC Group acquisition.
Quarterly net sales and the percentage changes in net sales by quarter for 2015 versus 2014 were as follows (dollars in millions):
## Table 5 ##
Gross profit Gross profit for 2015 was $2,410.7 million (29.9% of net sales), an increase of $256.5 million or 11.9%, compared to gross profit of $2,154.2 million (27.6% of net sales) for 2014.
As a percentage of net sales, gross profit increased 230 basis points.
The increase in gross profit dollars was primarily attributable to higher sales volume of approximately $254 million, savings from capital investments and cost reduction initiatives of approximately $127 million, and lower input costs of approximately $101 million, including lower material costs of approximately $87 million, partially offset by the net impact of unfavorable foreign exchange rates of approximately $151 million, the unfavorable net impact of price and product mix of approximately $30 million, the unfavorable impact of higher restructuring, acquisition and integration-related costs of approximately $28 million, and costs associated with investments in expansion of production capacity of approximately $15 million.
Selling, general and administrative expenses Selling, general and administrative expenses for 2015 were $1,573.1 million (19.5% of net sales), an increase of $191.7 million compared to $1,381.4 million (17.7% of net sales) for 2014.
As a percentage of net sales, selling, general and administrative expenses increased 180 basis points.
The increase in selling, general and administrative expenses in dollars was primarily attributable to a charge of approximately $122 million related to the settlement and further defense of the polyurethane foam litigation described in more detail herein, approximately $83 million of costs due to higher sales volume, approximately $44 million of costs associated with investments in new product development, sales personnel, and marketing, and increased employee costs of approximately $27 million, partially offset by the positive impact of foreign exchange rates of approximately $77 million and savings from capital investments and cost reduction initiatives of approximately $6 million.
Operating income Operating income for 2015 was $837.6 million (10.4% of net sales) reflecting an increase of $64.8 million, or 8.4%, compared to operating income of $772.8 million (9.9% of net sales) for 2014.
The increase in operating income was primarily attributable to higher sales volume of approximately $172 million, savings from capital investments and cost reduction initiatives of approximately $133 million, and lower input costs of approximately $101 million, including lower material costs of approximately $87 million, partially offset by a charge of approximately $122 million related to the settlement and defense of the polyurethane foam litigation described in more detail herein, the net impact of unfavorable foreign exchange rates of approximately $74 million, costs associated with investments in new product development, sales personnel and marketing of approximately $44 million, the unfavorable net impact of price and product mix of approximately $29 million, increased employee costs of approximately $27 million, the unfavorable impact of higher restructuring, acquisition and integration-related costs of approximately $30 million which includes approximately $13 million of costs related to acquisition inventory step-up, and costs associated with investments in expansion of production capacity of approximately $15 million.
PRUDENTIAL FINANCIAL, INC.  Notes to Consolidated Financial Statements 15.
EQUITY (continued) Comprehensive Income The components of comprehensive income (loss) for the years ended December 31, are as follows:
## Table 6 ##
(1) Includes cash flow hedges.
See Note 21 for information on cash flow hedges.
See Note 4 for additional information regarding unrealized investment gains (losses), including the split between amounts related to fixed maturity securities on which an other-than-temporary impairment loss has been recognized, and all other unrealized investment gains (losses).

<table><tr><td></td><td colspan="3">Year ended December 31,</td></tr><tr><td> (Dollars in thousands, except ratios)</td><td>2011</td><td>2010</td><td>2009</td></tr><tr><td>Allowance for loan losses, beginning balance</td><td>$82,627</td><td>$72,450</td><td>$107,396</td></tr><tr><td>Provision for loan losses</td><td>6,101</td><td>44,628</td><td>90,180</td></tr><tr><td>Gross loan charge-offs</td><td>-23,904</td><td>-51,239</td><td>-143,570</td></tr><tr><td>Loan recoveries</td><td>25,123</td><td>16,788</td><td>18,444</td></tr><tr><td>Allowance for loan losses, ending balance</td><td>$89,947</td><td>$82,627</td><td>$72,450</td></tr><tr><td>Provision as a percentage of period-end total gross loans</td><td>0.09%</td><td>0.80%</td><td>1.97%</td></tr><tr><td>Gross loan charge-offs as a percentage of average total gross loans</td><td>0.41</td><td>1.15</td><td>3.03</td></tr><tr><td>Net loan (recoveries) charge-offs as a percentage of average total gross loans</td><td>-0.02</td><td>0.77</td><td>2.64</td></tr><tr><td>Allowance for loan losses as a percentage of period-end total gross loans</td><td>1.28</td><td>1.48</td><td>1.58</td></tr><tr><td>Period-end total gross loans</td><td>$7,030,321</td><td>$5,567,205</td><td>$4,582,966</td></tr><tr><td>Average total gross loans</td><td>5,863,319</td><td>4,471,706</td><td>4,739,210</td></tr></table>
<table><tr><td></td><td colspan="5">Year ended December 31,</td></tr><tr><td> (Dollars in thousands)</td><td>2011</td><td>2010</td><td>% Change 2011/2010</td><td>2009</td><td>% Change 2010/2009</td></tr><tr><td>Net interest income</td><td>$20,466</td><td>$13,015</td><td>57.2%</td><td>$14,176</td><td>-8.2%</td></tr><tr><td>Reduction of (provision for) loan losses</td><td>7,393</td><td>-2,271</td><td>NM</td><td>-10,313</td><td>-78.0</td></tr><tr><td>Noninterest income</td><td>516</td><td>496</td><td>4.0</td><td>371</td><td>33.7</td></tr><tr><td>Noninterest expense</td><td>-10,174</td><td>-4,405</td><td>131.0</td><td>-2,989</td><td>47.4</td></tr><tr><td>Income before income tax expense</td><td>$18,201</td><td>$6,835</td><td>166.3</td><td>$1,245</td><td>NM</td></tr><tr><td>Total average loans, net of unearned income</td><td>$658,175</td><td>$461,620</td><td>42.6</td><td>$487,825</td><td>-5.4</td></tr><tr><td>Total average assets</td><td>658,797</td><td>461,697</td><td>42.7</td><td>487,990</td><td>-5.4</td></tr><tr><td>Total average deposits</td><td>186,604</td><td>129,536</td><td>44.1</td><td>107,602</td><td>20.4</td></tr></table>
<table><tr><td>Outstanding Regional Classes and Seriesof Common Stock Issued inthe Reorganization</td><td>Converted Classes and Series of Common Stock Issued in the True-Up</td><td>Number of Regional Classes and Series of Common Stock Issued in the Reorganization</td><td>True-up Conversion Ratio</td><td>Number of Converted Classes and Series of Common Stock after the True-Up</td></tr><tr><td>Class USA<sup>-1</sup></td><td>Class B<sup>-2</sup></td><td>426,390,481</td><td>0.93870</td><td>400,251,872</td></tr><tr><td>Class EU (series I)</td><td>Class C (series III)</td><td>62,213,201</td><td>1.00000</td><td>62,213,201</td></tr><tr><td>Class EU (series II)</td><td>Class C (series II)</td><td>27,904,464</td><td>1.00000</td><td>27,904,464</td></tr><tr><td>Class EU (series III)</td><td>Class C (series IV)</td><td>549,587</td><td>1.00000</td><td>549,587</td></tr><tr><td>Class Canada</td><td>Class C (series I)</td><td>22,034,685</td><td>0.98007</td><td>21,595,528</td></tr><tr><td>Class AP</td><td>Class C (series I)</td><td>119,100,481</td><td>1.19043</td><td>141,780,635</td></tr><tr><td>Class LAC</td><td>Class C (series I)</td><td>80,137,915</td><td>1.07110</td><td>85,835,549</td></tr><tr><td>Class CEMEA</td><td>Class C (series I)</td><td>36,749,698</td><td>0.95101</td><td>34,949,123</td></tr></table>
<table><tr><td></td><td colspan="3">Years Ended December 31,</td></tr><tr><td></td><td>2015</td><td>2014</td><td>2013</td></tr><tr><td>Southwest Region (Navajo Refinery)</td><td></td><td></td><td></td></tr><tr><td>Sales of produced refined products:</td><td></td><td></td><td></td></tr><tr><td>Gasolines</td><td>55%</td><td>54%</td><td>51%</td></tr><tr><td>Diesel fuels</td><td>39%</td><td>38%</td><td>39%</td></tr><tr><td>Fuel oil</td><td>2%</td><td>4%</td><td>6%</td></tr><tr><td>Asphalt</td><td>1%</td><td>1%</td><td>1%</td></tr><tr><td>LPG and other</td><td>3%</td><td>3%</td><td>3%</td></tr><tr><td>Total</td><td>100%</td><td>100%</td><td>100%</td></tr></table>
<table><tr><td></td><td colspan="5">As of October 31, 2016</td></tr><tr><td></td><td colspan="3">Options Outstanding</td><td colspan="2">Options Exercisable</td></tr><tr><td>Range of Exercise Prices</td><td>SharesOutstanding</td><td>Weighted-AverageRemainingContractual Term</td><td>Weighted-AverageExercisePrice</td><td>SharesExercisable</td><td>Weighted-AverageExercisePrice</td></tr><tr><td></td><td>In thousands</td><td>In years</td><td></td><td>In thousands</td><td></td></tr><tr><td>$0-$9.99</td><td>7,321</td><td>3.7</td><td>$8</td><td>8,905</td><td>$8</td></tr><tr><td>$10-$19.99</td><td>39,881</td><td>5.7</td><td>$15</td><td>13,289</td><td>$14</td></tr><tr><td>$20-$29.99</td><td>10,296</td><td>5.2</td><td>$21</td><td>4,010</td><td>$22</td></tr><tr><td></td><td>57,498</td><td>5.4</td><td>$15</td><td>26,204</td><td>$13</td></tr></table>
<table><tr><td></td><td>2015</td><td>2014</td><td>Change</td></tr><tr><td>First quarter</td><td>$1,881.2</td><td>1,813.1</td><td>3.8%</td></tr><tr><td>Second quarter</td><td>2,041.7</td><td>2,048.2</td><td>-0.3%</td></tr><tr><td>Third quarter</td><td>2,150.7</td><td>1,990.7</td><td>8.0%</td></tr><tr><td>Fourth quarter</td><td>1,998.0</td><td>1,951.4</td><td>2.4%</td></tr><tr><td>Total year</td><td>$8,071.6</td><td>7,803.4</td><td>3.4%</td></tr></table>
<table><tr><td></td><td>2010</td><td>2009</td><td>2008</td></tr><tr><td></td><td colspan="3">(in millions)</td></tr><tr><td>Net income (loss)</td><td>$3,206</td><td>$3,090</td><td>$-1,081</td></tr><tr><td>Other comprehensive income (loss), net of taxes:</td><td></td><td></td><td></td></tr><tr><td>Change in foreign currency translation adjustments</td><td>486</td><td>292</td><td>68</td></tr><tr><td>Change in net unrealized investments gains (losses)(1)</td><td>2,634</td><td>7,905</td><td>-7,135</td></tr><tr><td>Change in pension and postretirement unrecognized net periodic benefit (cost)</td><td>316</td><td>-645</td><td>-718</td></tr><tr><td>Other comprehensive income (loss), net of tax expense (benefit) of $1,597, $3,707, ($3,912)</td><td>3,436</td><td>7,552</td><td>-7,785</td></tr><tr><td>Comprehensive income (loss)</td><td>6,642</td><td>10,642</td><td>-8,866</td></tr><tr><td>Comprehensive (income) loss attributable to noncontrolling interests</td><td>-26</td><td>41</td><td>-41</td></tr><tr><td>Comprehensive income (loss) attributable to Prudential Financial, Inc.</td><td>$6,616</td><td>$10,683</td><td>$-8,907</td></tr></table>

Question: What is the average amount of Provision for loan losses of Year ended December 31, 2009, and Net interest income of Year ended December 31, 2011 ?