In 2008 and 2009, shares of FirstEnergy common stock were purchased on the market and contributed to participants’ accounts.
Total ESOP-related compensation expenses in 2009, 2008 and 2007, net of amounts capitalized and dividends on common stock, were $36 million, $40 million and $28 million, respectively.
((C) EDCP Under the EDCP, covered employees can direct a portion of their compensation, including annual incentive awards and/or long-term incentive awards, into an unfunded FirstEnergy stock account to receive vested stock units or into an unfunded retirement cash account.
An additional 20% premium is received in the form of stock units based on the amount allocated to the FirstEnergy stock account.
Dividends are calculated quarterly on stock units outstanding and are paid in the form of additional stock units.
Upon withdrawal, stock units are converted to FirstEnergy shares.
Payout typically occurs three years from the date of deferral; however, an election can be made in the year prior to payout to further defer shares into a retirement stock account that will pay out in cash upon retirement (see Note 3).
Interest is calculated on the cash allocated to the cash account and the total balance will pay out in cash upon retirement.
Of the 1.3 million EDCP stock units authorized, 481,028 stock units were available for future awards as of December 31, 2009.
Compensation expense (income) recognized on EDCP stock units, net of amounts capitalized, was not material in 2009, ($13) million in 2008 and $7 million in 2007, respectively.
(D) DCPD Under the DCPD, directors can elect to allocate all or a portion of their cash retainers, meeting fees and chair fees to deferred stock or deferred cash accounts.
If the funds are deferred into the stock account, a 20% match is added to the funds allocated.
The 20% match and any appreciation on it are forfeited if the director leaves the Board within three years from the date of deferral for any reason other than retirement, disability, death, upon a change in control, or when a director is ineligible to stand for re-election.
Compensation expense is recognized for the 20% match over the three-year vesting period.
Directors may also elect to defer their equity retainers into the deferred stock account; however, they do not receive a 20% match on that deferral.
DCPD expenses recognized in each of 2009, 2008 and 2007 were approximately $3 million.
The net liability recognized for DCPD of approximately $5 million as of December 31, 2009, 2008 and 2007 is included in the caption “Retirement benefits” on the Consolidated Balance Sheets.5.
FAIR VALUE OF FINANCIAL INSTRUMENTS (A) LONG-TERM DEBT AND OTHER LONG-TERM OBLIGATIONS All borrowings with initial maturities of less than one year are considered as short-term financial instruments and are reported on the Consolidated Balance Sheets at cost (which approximates their fair market value) under the caption "short-term borrowings. "
The following table provides the approximate fair value and related carrying amounts of long-term debt and other long-term obligations as of December 31, 2009 and 2008:
## Table 0 ##
The fair values of long-term debt and other long-term obligations reflect the present value of the cash outflows relating to those securities based on the current call price, the yield to maturity or the yield to call, as deemed appropriate at the end of each respective period.
The yields assumed were based on securities with similar characteristics offered by corporations with credit ratings similar to those of FES and the Utilities.
(B) INVESTMENTS All temporary cash investments purchased with an initial maturity of three months or less are reported as cash equivalents on the Consolidated Balance Sheets at cost, which approximates their fair market value.
Investments other than cash and cash equivalents include held-to-maturity securities, available-for-sale securities, and notes receivable.
Troubled Debt Restructurings (TDRs) A TDR is a loan whose terms have been restructured in a manner that grants a concession to a borrower experiencing financial difficulty.
TDRs result from our loss mitigation activities, and include rate reductions, principal forgiveness, postponement/reduction of scheduled amortization, and extensions, which are intended to minimize economic loss and to avoid foreclosure or repossession of collateral.
Additionally, TDRs also result from borrowers that have been discharged from personal liability through Chapter 7 bankruptcy and have not formally reaffirmed their loan obligations to PNC.
In those situations where principal is forgiven, the amount of such principal forgiveness is immediately charged off.
Some TDRs may not ultimately result in the full collection of principal and interest, as restructured, and result in potential incremental losses.
These potential incremental losses have been factored into our overall ALLL estimate.
The level of any subsequent defaults will likely be affected by future economic conditions.
Once a loan becomes a TDR, it will continue to be reported as a TDR until it is ultimately repaid in full, the collateral is foreclosed upon, or it is fully charged off.
We held specific reserves in the ALLL of $.3 billion and $.4 billion at December 31, 2015 and December 31, 2014, respectively, for the total TDR portfolio.
Table 61: Summary of Troubled Debt Restructurings
## Table 1 ##
(a) Accruing loans include consumer credit card loans and loans that have demonstrated a period of at least six months of performance under the restructured terms and are excluded from nonperforming loans.
Loans where borrowers have been discharged from personal liability through Chapter 7 bankruptcy and have not formally reaffirmed their loan obligations to PNC and loans to borrowers not currently obligated to make both principal and interest payments under the restructured terms are not returned to accrual status.
Table 62 quantifies the number of loans that were classified as TDRs as well as the change in the recorded investments as a result of the TDR classification during the years 2015, 2014 and 2013 respectively.
Additionally, the table provides information about the types of TDR concessions.
The Principal Forgiveness TDR category includes principal forgiveness and accrued interest forgiveness.
These types of TDRs result in a write down of the recorded investment and a charge-off if such action has not already taken place.
The Rate Reduction TDR category includes reduced interest rate and interest deferral.
The TDRs within this category result in reductions to future interest income.
The Other TDR category primarily includes consumer borrowers that have been discharged from personal liability through Chapter 7 bankruptcy and have not formally reaffirmed their loan obligations to PNC, as well as postponement/reduction of scheduled amortization and contractual extensions for both consumer and commercial borrowers.
In some cases, there have been multiple concessions granted on one loan.
This is most common within the commercial loan portfolio.
When there have been multiple concessions granted in the commercial loan portfolio, the principal forgiveness concession was prioritized for purposes of determining the inclusion in Table 62.
For example, if there is principal forgiveness in conjunction with lower interest rate and postponement of amortization, the type of concession will be reported as Principal Forgiveness.
Second in priority would be rate reduction.
For example, if there is an interest rate reduction in conjunction with postponement of amortization, the type of concession will be reported as a Rate Reduction.
In the event that multiple concessions are granted on a consumer loan, concessions resulting from discharge from personal liability through Chapter 7 bankruptcy without formal affirmation of the loan obligations to PNC would be prioritized and included in the Other type of concession in the table below.
After that, consumer loan concessions would follow the previously discussed priority of concessions for the commercial loan portfolio.
Average Consolidated Balance Sheet Highlights Table 2: Summarized Average Balance Sheet
## Table 2 ##
Total assets were $358.5 billion at December 31, 2015 compared with $345.1 billion at December 31, 2014.
The increase from year end 2014 was primarily due to higher investment securities and loan growth.
Various seasonal and other factors impact our period-end balances, whereas average balances are generally more indicative of underlying business trends apart from the impact of acquisitions and divestitures.
The Consolidated Balance Sheet Review section of this Item 7 provides information on changes in selected Consolidated Balance Sheet categories at December 31, 2015 compared with December 31, 2014.
Average investment securities increased during 2015 compared with 2014, primarily due to increases in average agency residential mortgage-backed securities and U. S.  Treasury and government agency securities, partially offset by a decrease in average non-agency residential mortgage-backed securities.
Total investment securities comprised 20% of average interest-earning assets in 2015 and 2014.
Average loans grew in 2015, driven by increases in average commercial loans of $5.7 billion and average commercial real estate loans of $2.5 billion.
These increases were partially offset by a decrease in consumer loans of $2.4 billion primarily attributable to lower home equity and education loans, which included declines in the non-strategic consumer loan portfolio.
Loans represented 66% of average interest-earning assets for 2015 and 70% of average interest-earning assets for 2014.
Average interest-earning deposits with banks, which are primarily maintained with the Federal Reserve Bank, increased significantly in the comparison to the prior year in part due to regulatory short-term liquidity standards phased in starting January 1, 2015 and also due to deposit growth.
Average noninterest-earning assets increased in 2015 compared with 2014, primarily driven by higher receivables from unsettled securities sales, which are included in noninterest-earning assets for average balance sheet purposes, and an increase in trading assets, primarily net customerrelated derivatives values.
Average total deposits increased $17.4 billion, or 8%, in 2015 compared with the prior year, primarily due to increases in average money market deposits, average noninterest-bearing deposits and average interest-bearing demand deposits driven by both commercial and retail deposit growth.
Average total deposits represented 68% of average total assets for 2015 and 2014.
Average borrowed funds increased in 2015 compared with 2014 primarily due to increases in average Federal Home Loan Bank (FHLB) borrowings and average bank notes and senior debt.
These increases were partially offset by a decline in average commercial paper balances, in part due to actions to enhance PNC’s funding structure in light of regulatory liquidity standards and a rating agency methodology change.
The Liquidity Risk Management portion of the Risk Management section of this Item 7 includes additional information regarding our borrowed funds.

<table><tr><td></td><td colspan="2">December 31, 2009</td><td colspan="2">December 31, 2008</td></tr><tr><td></td><td>Carrying Value</td><td>Fair Value</td><td>Carrying Value</td><td>Fair Value</td></tr><tr><td></td><td colspan="4">(In millions)</td></tr><tr><td>FirstEnergy</td><td>$13,753</td><td>$14,502</td><td>$11,585</td><td>$11,146</td></tr><tr><td>FES</td><td>4,224</td><td>4,306</td><td>2,552</td><td>2,528</td></tr><tr><td>OE</td><td>1,169</td><td>1,299</td><td>1,232</td><td>1,223</td></tr><tr><td>CEI</td><td>1,873</td><td>2,032</td><td>1,741</td><td>1,618</td></tr><tr><td>TE</td><td>600</td><td>638</td><td>300</td><td>244</td></tr><tr><td>JCP&L</td><td>1,840</td><td>1,950</td><td>1,569</td><td>1,520</td></tr><tr><td>Met-Ed</td><td>842</td><td>909</td><td>542</td><td>519</td></tr><tr><td>Penelec</td><td>1,144</td><td>1,177</td><td>779</td><td>721</td></tr></table>
<table><tr><td>In millions</td><td>December 312015</td><td>December 312014</td></tr><tr><td>Total consumer lending</td><td>$1,917</td><td>$2,041</td></tr><tr><td>Total commercial lending</td><td>434</td><td>542</td></tr><tr><td>Total TDRs</td><td>$2,351</td><td>$2,583</td></tr><tr><td>Nonperforming</td><td>$1,119</td><td>$1,370</td></tr><tr><td>Accruing (a)</td><td>1,232</td><td>1,213</td></tr><tr><td>Total TDRs</td><td>$2,351</td><td>$2,583</td></tr></table>
<table><tr><td>Year ended December 31</td><td></td><td></td><td colspan="2">Change</td></tr><tr><td>Dollars in millions</td><td>2015</td><td>2014</td><td>$</td><td>%</td></tr><tr><td>Average assets</td><td></td><td></td><td></td><td></td></tr><tr><td>Interest-earning assets</td><td></td><td></td><td></td><td></td></tr><tr><td>Investment securities</td><td>$61,665</td><td>$55,820</td><td>$5,845</td><td>10%</td></tr><tr><td>Loans</td><td>205,349</td><td>199,648</td><td>5,701</td><td>3%</td></tr><tr><td>Interest-earning deposits with banks</td><td>32,908</td><td>19,204</td><td>13,704</td><td>71%</td></tr><tr><td>Other</td><td>8,903</td><td>8,633</td><td>270</td><td>3%</td></tr><tr><td>Total interest-earning assets</td><td>308,825</td><td>283,305</td><td>25,520</td><td>9%</td></tr><tr><td>Noninterest-earning assets</td><td>46,139</td><td>44,548</td><td>1,591</td><td>4%</td></tr><tr><td>Total average assets</td><td>$354,964</td><td>$327,853</td><td>$27,111</td><td>8%</td></tr><tr><td>Average liabilities and equity</td><td></td><td></td><td></td><td></td></tr><tr><td>Interest-bearing liabilities</td><td></td><td></td><td></td><td></td></tr><tr><td>Interest-bearing deposits</td><td>$163,965</td><td>$152,814</td><td>$11,151</td><td>7%</td></tr><tr><td>Borrowed funds</td><td>56,513</td><td>48,817</td><td>7,696</td><td>16%</td></tr><tr><td>Total interest-bearing liabilities</td><td>220,478</td><td>201,631</td><td>18,847</td><td>9%</td></tr><tr><td>Noninterest-bearing deposits</td><td>76,398</td><td>70,108</td><td>6,290</td><td>9%</td></tr><tr><td>Other liabilities</td><td>12,210</td><td>10,768</td><td>1,442</td><td>13%</td></tr><tr><td>Equity</td><td>45,878</td><td>45,346</td><td>532</td><td>1%</td></tr><tr><td>Total average liabilities and equity</td><td>$354,964</td><td>$327,853</td><td>$27,111</td><td>8%</td></tr></table>

Question: what was the change in specific reserves in alll between december 31 , 2015 and december 31 , 2014 in billions?
Answer: -0.1