changes to the loan arrangements including, but not limited to, amortization, collateral, guarantees, and covenants.
All Classified commercial loans are managed by our SAD.
The SAD is a specialized credit group that handles the day-to-day management of workouts, commercial recoveries, and problem loan sales.
Its responsibilities include developing action plans, assessing risk ratings, and determining the adequacy of the reserve, the accrual status, and the ultimate collectability of the Classified loan portfolio.
Our commercial loan portfolio, including CRE loans, is diversified by customer size, as well as geographically throughout our footprint.
During 2009, we engaged in a large number of enhanced portfolio management initiatives, including a review to ensure the appropriate classification of CRE loans.
The results of this initiative included reclassifications in 2009 totaling $1.4 billion that increased C&I loan balances, and correspondingly decreased CRE loan balances, primarily representing owner-occupied properties.
We believe the changes provide improved visibility and clarity to us and our investors.
We have continued this active portfolio management process throughout 2010, primarily focusing on improving our ability to identify changing conditions at the borrower level, which in most cases, significantly improved the outcome.
This process allows us to provide clarity regarding the credit trends in our portfolios.
Certain segments of our commercial loan portfolio are discussed in further detail below: C&I PORTFOLIO The C&I portfolio is comprised of loans to businesses where the source of repayment is associated with the on-going operations of the business.
Generally, the loans are secured with the financing of the borrower’s assets, such as equipment, accounts receivable, or inventory.
In many cases, the loans are secured by real estate, although the operation, sale, or refinancing of the real estate is not a primary source of repayment for the loan.
For loans secured by real estate, appropriate appraisals are obtained at origination and updated on an as needed basis in compliance with regulatory requirements.
There were no outstanding commercial loans considered an industry or geographic concentration of lending.
Currently, higher-risk segments of the C&I portfolio include loans to borrowers supporting the home building industry, contractors, and automotive suppliers.
We manage the risks inherent in this portfolio through origination policies, concentration limits, on-going loan level reviews, recourse requirements, and continuous portfolio risk management activities.
Our origination policies for this portfolio include loan product-type specific policies such as LTV and debt service coverage ratios, as applicable.
C&I borrowers have been challenged by the weak economy, and some borrowers may no longer have sufficient capital to withstand the extended stress.
As a result, these borrowers may not be able to comply with the original terms of their credit agreements.
We continue to focus attention on the portfolio management process to proactively identify borrowers that may be facing financial difficulty to assess all potential solutions.
The impact of the economic environment is further evidenced by the level of line-of-credit activity, as borrowers continued to maintain relatively low utilization percentages over the past 12 months.
As shown in the following table, C&I loans totaled $13.1 billion at December 31, 2010: Table 16 — Commercial and Industrial Loans and Leases by Class
## Table 0 ##
Table 7 — Consolidated Average Balance Sheet and Net Interest Margin Analysis (Continued)
## Table 1 ##
LIABILITIES AND SHAREHOLDERS’ EQUITY
(1) FTE yields are calculated assuming a 35% tax rate.
(2) Loan and lease and deposit average rates include impact of applicable derivatives, non-deferrable fees, and amortized fees.
(3) For purposes of this analysis, nonaccrual loans are reflected in the average balances of loans.
Liquidity Coverage Ratio At December 31, 2017, we believe the Bank had sufficient liquidity to be in compliance with the LCR requirements and to meet its cash flow obligations for the foreseeable future.
Table 22 - Maturity Schedule of Commercial Loans (dollar amounts in millions)
## Table 2 ##
At December 31, 2017, the carrying value of investment securities pledged to secure public and trust deposits, trading account liabilities, U. S.  Treasury demand notes, and security repurchase agreements totaled $6.1 billion.
There were no securities of a nongovernmental single issuer that exceeded 10% of shareholders’ equity at December 31, 2017.
Parent Company Liquidity The parent company’s funding requirements consist primarily of dividends to shareholders, debt service, income taxes, operating expenses, funding of nonbank subsidiaries, repurchases of our stock, and acquisitions.
The parent company obtains funding to meet obligations from dividends and interest received from the Bank, interest and dividends received from direct subsidiaries, net taxes collected from subsidiaries included in the federal consolidated tax return, fees for services provided to subsidiaries, and the issuance of debt securities.
At December 31, 2017 and December 31, 2016, the parent company had $1.6 billion and $1.8 billion, respectively, in cash and cash equivalents.
On January 17, 2018, the board of directors declared a quarterly common stock cash dividend of $0.11 per common share.
The dividend is payable on April 2, 2018, to shareholders of record on March 19, 2018.
Based on the current quarterly dividend of $0.11 per common share, cash demands required for common stock dividends are estimated to be approximately $118 million per quarter.
On January 17, 2018, the board of directors declared a quarterly Series A, Series, B, Series, C, and Series D Preferred Stock dividend payable on April 16, 2018 to shareholders of record on April 1, 2018.
Based on the current dividend, cash demands required for Series A Preferred Stock are estimated to be approximately $8 million per quarter.
Cash demands required for Series B Preferred Stock are expected to be less than $1 million per quarter.
Cash demands required for Series C Preferred Stock are expected to be approximately $2 million per quarter.
Cash demands required for Series D Preferred Stock are expected to be approximately $9 million per quarter.
During 2017, the Bank returned capital totaling $426 million.
Additionally, the Bank paid a preferred dividend of $45 million and common stock dividend of $254 million to the holding company.
To meet any additional liquidity needs, the parent company may issue debt or equity securities from time to time.
Off-Balance Sheet Arrangements In the normal course of business, we enter into various off-balance sheet arrangements.
These arrangements include commitments to extend credit, interest rate swaps, financial guarantees contained in standby letters-of-credit issued by the Bank, and commitments by the Bank to sell mortgage loans.
COMMITMENTS TO EXTEND CREDIT Commitments to extend credit generally have fixed expiration dates, are variable-rate, and contain clauses that permit Huntington to terminate or otherwise renegotiate the contracts in the event of a significant deterioration in the customer’s credit quality.
These arrangements normally require the payment of a fee by the customer, the pricing of which is based on prevailing market conditions, credit quality, probability of funding, and other relevant factors.
Since many of these commitments are expected to expire without being drawn upon, the contract amounts are not necessarily indicative of future cash requirements.
The interest rate risk arising from these financial instruments is insignificant as a result of their predominantly short-term, variable-rate nature.
See Note 21 for more information.
INTEREST RATE SWAPS Balance sheet hedging activity is arranged to receive hedge accounting treatment and is classified as either fair value or cash flow hedges.
Fair value hedges are purchased to convert deposits and long-term debt from fixed-rate obligations to floating rate.
SOURCES AND USES OF CASH (In Millions)
## Table 3 ##

<table><tr><td></td><td colspan="4"> At December 31, 2010</td></tr><tr><td></td><td colspan="2">Commitments</td><td colspan="2"> Loans Outstanding</td></tr><tr><td></td><td> Amount</td><td>Percent</td><td> Amount</td><td> Percent</td></tr><tr><td colspan="5"> (Dollar amounts in millions)</td></tr><tr><td> Class:</td><td></td><td></td><td></td><td></td></tr><tr><td>Owner-occupied</td><td>$4,320</td><td>23%</td><td>$3,823</td><td>29%</td></tr><tr><td>Other commercial and industrial</td><td>14,676</td><td>77</td><td>9,240</td><td>71</td></tr><tr><td> Total</td><td>$18,996</td><td>100%</td><td>$13,063</td><td>100%</td></tr></table>
<table><tr><td></td><td colspan="3"> Interest Income / Expense</td><td colspan="3"> Average Rate-2</td></tr><tr><td> Fully-taxable equivalent basis-1</td><td> 2011</td><td> 2010</td><td> 2009</td><td>2011</td><td>2010</td><td> 2009</td></tr><tr><td> (dollar amounts in millions)</td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td colspan="7"> ASSETS</td></tr><tr><td>Interest-bearing deposits in banks</td><td>$0.1</td><td>$0.8</td><td>$1.1</td><td>0.11%</td><td>0.28%</td><td>0.32%</td></tr><tr><td>Trading account securities</td><td>1.5</td><td>2.9</td><td>4.3</td><td>1.37</td><td>1.82</td><td>2.99</td></tr><tr><td>Federal funds sold and securities purchased under resale agreement</td><td>—</td><td>—</td><td>0.1</td><td>0.09</td><td>—</td><td>0.13</td></tr><tr><td>Loans held for sale</td><td>12.3</td><td>25.7</td><td>30.0</td><td>4.27</td><td>4.85</td><td>5.15</td></tr><tr><td>Available-for-sale and other securities:</td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Taxable</td><td>208.0</td><td>239.1</td><td>250.0</td><td>2.48</td><td>2.73</td><td>4.10</td></tr><tr><td>Tax-exempt</td><td>18.3</td><td>18.8</td><td>14.2</td><td>4.28</td><td>4.56</td><td>6.68</td></tr><tr><td>Total available-for-sale and other securities</td><td>226.3</td><td>257.9</td><td>264.2</td><td>2.57</td><td>2.81</td><td>4.18</td></tr><tr><td>Held-to-maturity securities — taxable</td><td>11.2</td><td>—</td><td>—</td><td>2.99</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></tr><tr><td>Commercial:</td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Commercial and industrial</td><td>585.6</td><td>660.6</td><td>664.6</td><td>4.31</td><td>5.31</td><td>5.06</td></tr><tr><td>Commercial real estate:</td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Construction</td><td>23.0</td><td>30.6</td><td>50.8</td><td>3.88</td><td>2.79</td><td>2.74</td></tr><tr><td>Commercial</td><td>222.7</td><td>234.9</td><td>262.3</td><td>3.97</td><td>3.83</td><td>3.59</td></tr><tr><td>Commercial real estate</td><td>245.7</td><td>265.5</td><td>313.1</td><td>3.96</td><td>3.67</td><td>3.42</td></tr><tr><td>Total commercial</td><td>831.3</td><td>926.1</td><td>977.7</td><td>4.20</td><td>4.71</td><td>4.39</td></tr><tr><td>Consumer:</td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Automobile loans and leases</td><td>293.2</td><td>295.2</td><td>252.6</td><td>4.99</td><td>6.04</td><td>7.12</td></tr><tr><td>Home equity</td><td>355.0</td><td>383.7</td><td>426.2</td><td>4.47</td><td>5.06</td><td>5.62</td></tr><tr><td>Residential mortgage</td><td>213.6</td><td>216.8</td><td>237.4</td><td>4.53</td><td>4.84</td><td>5.23</td></tr><tr><td>Other consumer</td><td>40.6</td><td>47.5</td><td>56.1</td><td>7.63</td><td>7.18</td><td>7.78</td></tr><tr><td>Total consumer</td><td>902.4</td><td>943.2</td><td>972.3</td><td>4.73</td><td>5.35</td><td>5.93</td></tr><tr><td>Total loans and leases</td><td>1,733.7</td><td>1,869.3</td><td>1,950.0</td><td>4.46</td><td>5.02</td><td>5.04</td></tr><tr><td>Total earning assets</td><td>$1,985.1</td><td>$2,156.6</td><td>$2,249.7</td><td>4.09%</td><td>4.55%</td><td>4.88%</td></tr><tr><td colspan="7"> LIABILITIES AND SHAREHOLDERS’ EQUITY</td></tr><tr><td>Deposits:</td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Demand deposits — noninterest-bearing</td><td>$—</td><td>$—</td><td>$—</td><td>—%</td><td>—%</td><td>—%</td></tr><tr><td>Demand deposits — interest-bearing</td><td>5.1</td><td>10.4</td><td>9.5</td><td>0.09</td><td>0.19</td><td>0.20</td></tr><tr><td>Money market deposits</td><td>54.4</td><td>103.5</td><td>83.6</td><td>0.41</td><td>—</td><td>1.16</td></tr><tr><td>Savings and other domestic deposits</td><td>32.7</td><td>48.2</td><td>66.8</td><td>0.69</td><td>1.04</td><td>1.37</td></tr><tr><td>Core certificates of deposit</td><td>150.0</td><td>231.6</td><td>409.4</td><td>1.95</td><td>2.52</td><td>3.43</td></tr><tr><td>Total core deposits</td><td>242.2</td><td>393.7</td><td>569.3</td><td>0.77</td><td>1.26</td><td>1.97</td></tr><tr><td>Other domestic time deposits of $250,000 or more</td><td>4.5</td><td>9.3</td><td>20.8</td><td>0.97</td><td>1.32</td><td>2.48</td></tr><tr><td>Brokered time deposits and negotiable CDs</td><td>12.5</td><td>35.4</td><td>83.1</td><td>0.88</td><td>2.21</td><td>2.64</td></tr><tr><td>Deposits in foreign offices</td><td>0.9</td><td>0.8</td><td>0.9</td><td>0.23</td><td>0.20</td><td>0.19</td></tr><tr><td>Total deposits</td><td>260.1</td><td>439.2</td><td>674.1</td><td>0.78</td><td>1.30</td><td>2.02</td></tr><tr><td>Short-term borrowings</td><td>3.5</td><td>3.0</td><td>2.4</td><td>0.17</td><td>0.21</td><td>0.25</td></tr><tr><td>Federal Home Loan Bank advances</td><td>0.8</td><td>3.1</td><td>12.9</td><td>0.74</td><td>1.80</td><td>1.04</td></tr><tr><td>Subordinated notes and other long-term debt</td><td>76.7</td><td>81.4</td><td>124.5</td><td>2.42</td><td>2.15</td><td>2.88</td></tr><tr><td>Total interest-bearing liabilities</td><td>341.1</td><td>526.7</td><td>813.9</td><td>0.88</td><td>1.34</td><td>2.04</td></tr><tr><td>Net interest income</td><td>$1,644.1</td><td>$1,629.9</td><td>$1,435.8</td><td></td><td></td><td></td></tr><tr><td>Net interest rate spread</td><td></td><td></td><td></td><td>3.19</td><td>3.21</td><td>2.84</td></tr><tr><td>Impact of noninterest-bearing funds on margin</td><td></td><td></td><td></td><td>0.20</td><td>0.23</td><td>0.27</td></tr><tr><td> Net Interest Margin</td><td></td><td></td><td></td><td>3.38%</td><td>3.44%</td><td>3.11%</td></tr></table>
<table><tr><td>(dollar amounts in millions)</td><td colspan="5">At December 31, 2017</td></tr><tr><td></td><td>One Yearor Less</td><td>One toFive Years</td><td>AfterFive Years</td><td>Total</td><td>Percentof total</td></tr><tr><td>Commercial and industrial</td><td>$7,334</td><td>$15,829</td><td>$4,944</td><td>$28,107</td><td>80%</td></tr><tr><td>Commercial real estate—construction</td><td>500</td><td>682</td><td>35</td><td>1,217</td><td>3</td></tr><tr><td>Commercial real estate—commercial</td><td>1,407</td><td>3,693</td><td>908</td><td>6,008</td><td>17</td></tr><tr><td>Total</td><td>$9,241</td><td>$20,204</td><td>$5,887</td><td>$35,332</td><td>100%</td></tr><tr><td>Variable-interest rates</td><td>$8,013</td><td>$16,452</td><td>$3,186</td><td>$27,651</td><td>78%</td></tr><tr><td>Fixed-interest rates</td><td>1,228</td><td>3,752</td><td>2,701</td><td>7,681</td><td>22</td></tr><tr><td>Total</td><td>$9,241</td><td>$20,204</td><td>$5,887</td><td>$35,332</td><td>100%</td></tr><tr><td>Percent of total</td><td>26%</td><td>57%</td><td>17%</td><td>100%</td><td></td></tr></table>
<table><tr><td>Years Ended(In Millions)</td><td>Dec 29,2018</td><td>Dec 30,2017</td><td>Dec 31,2016</td></tr><tr><td>Net cash provided by operating activities</td><td>$29,432</td><td>$22,110</td><td>$21,808</td></tr><tr><td>Net cash used for investing activities</td><td>-11,239</td><td>-15,762</td><td>-25,817</td></tr><tr><td>Net cash provided by (used for) financing activities</td><td>-18,607</td><td>-8,475</td><td>-5,739</td></tr><tr><td>Net increase (decrease) in cash and cash equivalents</td><td>$-414</td><td>$-2,127</td><td>$-9,748</td></tr></table>

Question: What is the difference between the greatest consumer for interest income /expense in 2011 and 2010 ? (in million)