We have not capitalized any stock-based compensation costs during the years ended December 31, 2018, 2017, and 2016.
As of December 31, 2018, unrecognized compensation expense related to unvested RSUs is expected to be recognized as follows (in thousands):
## Table 0 ##
Stock-based compensation expense related to these awards will be different to the extent that forfeitures are realized.
## Table 1 ##
Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract.
Commitments generally have fixed expiration dates or other termination clauses and may require the payment of a fee.
The amount of collateral obtained, if deemed necessary by us upon extension of credit, is based on our initial credit evaluation of the counterparty.
Types of collateral vary, but may include accounts receivable, inventory, property, plant and equipment, and income-producing properties.
While establishing commitments to extend credit creates credit risk, a significant portion of such commitments is expected to expire without being drawn upon.
As of December?31, 2014, $4.6 billion of commitments expire in 2015.
We use the same credit policies and procedures in making commitments to extend credit and conditional obligations as we do for on-balance sheet instruments.
These policies and procedures include credit approvals, limits, and monitoring.
We issue standby and commercial letters of credit as conditional commitments generally to guarantee the performance of a customer to a third party.
The guarantees are primarily issued to support public and private borrowing arrangements, including commercial paper, bond financing, and similar transactions.
Standby letters of credit include remaining commitments of $714 million expiring in 2015 and $215 million expiring thereafter through 2027.
The credit risk involved in issuing letters of credit is essentially the same as that involved in extending loan facilities to customers.
We generally hold marketable securities and cash equivalents as collateral supporting those commitments for which collateral is deemed necessary.
At December?31, 2014, the Company had recorded approximately $13.2 million as a liability for these guarantees, which consisted of $10.0 million attributable to the reserve for unfunded lending commitments and $3.2 million of deferred commitment fees.
Certain mortgage loans sold have limited recourse provisions for periods ranging from three months to one year.
The amount of losses resulting from the exercise of these provisions has not been significant.
At December?31, 2014, we had unfunded commitments for private equity investments of approximately $25 million.
These obligations have no stated maturity.
Substantially all of the PEIs related to these commitments are prohibited by the Volcker Rule.
See related discussions about these investments in Notes 5 and 20.
The contractual or notional amount of financial instruments indicates a level of activity associated with a particular class of financial instrument and is not a reflection of the actual level of risk.
As of December?31, 2014 and 2013, the regulatory risk-weighted values assigned to all off-balance sheet financial instruments and derivative instruments described herein were $5.9 billion and $5.6 billion, respectively.
At December?31, 2014, we were required to maintain cash balances of $201.3 million with the Federal Reserve Banks to meet minimum balance requirements in accordance with Federal Reserve Board (“FRB”) regulations.
As of December?31, 2014, the Parent has guaranteed approximately $15 million of debt of affiliated trusts issuing trust preferred securities, as discussed in Note 12.
The following schedule summarizes the average balances, the amount of interest earned or incurred, and the applicable yields for interest-earning assets and the costs of interest-bearing liabilities that generate taxableequivalent net interest income.
Schedule 2 DISTRIBUTION OF ASSETS, LIABILITIES, AND SHAREHOLDERS’ EQUITY AVERAGE BALANCE SHEETS, YIELDS AND RATES
## Table 2 ##
1 Taxable-equivalent rates used where applicable.2 Net of unearned income and fees, net of related costs.
Loans include nonaccrual and restructured loans.
Fair value and nonhedge derivative loss consists of the following: Schedule 5 FAIR VALUE AND NONHEDGE DERIVATIVE LOSS
## Table 3 ##
Fair value and nonhedge derivative loss improved by $6.8 million in 2014 primarily as a result of the termination of the total return swap effective April 28, 2014, partially offset by losses on derivative fair value credit adjustments.
Fair value and nonhedge derivative loss was $3.6 million lower in 2013 than in 2012.
The decreased losses are primarily attributable to changes in fair value on interest rate swaps.
During 2014, the Company recorded $13.5 million of equity securities gains, compared to $8.5 million in 2013 and $11.3 million in 2012.
The increase was driven by unrealized gains related to appreciation of the Company’s SBIC equity investments, including a particular investment that had a significant write-up in the fourth quarter.
Most of the gains recognized in 2013 were generated by SBIC investments, private equity funds, and the sale of other investments, including sales of some investments that did not comply with the Volcker Rule.
We expect that the resulting decline in the overall size of our equity investments portfolio may limit future earnings from this source.
The fixed income securities gain of $10.4 million in 2014 was primarily from paydowns and payoffs of the CDO securities; the net loss recorded in 2013 was primarily due to CDO sales.
The Company recognized only $27 thousand of net impairment losses on investment securities compared to $165.1 million in 2013 and $104.1 million in 2012.
See “Investment Securities Portfolio” on page 52 for additional information.
These impairment losses occurred in our portfolio of trust preferred CDO securities.
Approximately $1.0 billion of these securities were sold or paid down in 2014, leaving a portfolio of $592 million of amortized cost as of December 31, 2014.
In 2013, other noninterest income increased by $4.8 million from 2012.
The increase was primarily due to gains related to certain loans, which had been purchased from failed banks covered by FDIC loss-sharing agreements, as well as gains from branch deposit and asset sales.
Other noninterest income decreased by $10.0 million in 2014, primarily as a result of a decline in the same items that led to the increase in 2013.
Noninterest Expense Noninterest expense decreased by 2.9% to $1,665.3 million in 2014, compared to 2013.
During both 2013 and 2014, the Company redeemed considerable amounts of its long-term debt and incurred debt extinguishment costs, however these costs were not as large in 2014 as they were in 2013.
Other noninterest expense also decreased by approximately $19.3 million in 2014 primarily as a result of reductions in write-downs of the FDIC indemnification asset.
These decreases in expense were partially offset by a 4.8% increase in salaries and employee benefits in 2014.

<table><tr><td></td><td>RSUs</td></tr><tr><td>2019</td><td>$15,166</td></tr><tr><td>2020</td><td>9,715</td></tr><tr><td>2021</td><td>6,315</td></tr><tr><td>2022</td><td>3,458</td></tr><tr><td>2023</td><td>150</td></tr><tr><td>Total unrecognized compensation expense</td><td>$34,804</td></tr></table>
<table><tr><td></td><td colspan="2">December 31,</td></tr><tr><td>(In thousands)</td><td>2014</td><td>2013</td></tr><tr><td>Net unfunded commitments to extend credit<sup>1</sup></td><td>$16,658,757</td><td>$16,174,083</td></tr><tr><td>Standby letters of credit:</td><td></td><td></td></tr><tr><td>Financial</td><td>745,895</td><td>779,811</td></tr><tr><td>Performance</td><td>183,482</td><td>159,485</td></tr><tr><td>Commercial letters of credit</td><td>32,144</td><td>80,218</td></tr><tr><td>Total unfunded lending commitments</td><td>$17,620,278</td><td>$17,193,597</td></tr></table>
<table><tr><td></td><td colspan="3">2014</td><td colspan="3">2013</td></tr><tr><td>(Amounts in millions)</td><td>Averagebalance</td><td>Amount ofinterest<sup>1</sup></td><td>Averagerate</td><td>Averagebalance</td><td>Amount ofinterest<sup>1</sup></td><td>Averagerate</td></tr><tr><td>ASSETS</td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Money market investments</td><td>$8,211</td><td>$21.4</td><td>0.26%</td><td>$8,848</td><td>$23.4</td><td>0.26%</td></tr><tr><td>Securities:</td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Held-to-maturity</td><td>609</td><td>32.1</td><td>5.27</td><td>762</td><td>37.4</td><td>4.91</td></tr><tr><td>Available-for-sale</td><td>3,472</td><td>75.3</td><td>2.17</td><td>3,107</td><td>72.2</td><td>2.32</td></tr><tr><td>Trading account</td><td>61</td><td>2.0</td><td>3.22</td><td>32</td><td>1.0</td><td>3.29</td></tr><tr><td>Total securities</td><td>4,142</td><td>109.4</td><td>2.64</td><td>3,901</td><td>110.6</td><td>2.84</td></tr><tr><td>Loans held for sale</td><td>128</td><td>4.6</td><td>3.63</td><td>149</td><td>5.4</td><td>3.58</td></tr><tr><td>Loans and leases<sup>2</sup></td><td>39,523</td><td>1,733.7</td><td>4.39</td><td>38,107</td><td>1,817.5</td><td>4.77</td></tr><tr><td>Total interest-earning assets</td><td>52,004</td><td>1,869.1</td><td>3.59</td><td>51,005</td><td>1,956.9</td><td>3.84</td></tr><tr><td>Cash and due from banks</td><td>897</td><td></td><td></td><td>1,016</td><td></td><td></td></tr><tr><td>Allowance for loan losses</td><td>-690</td><td></td><td></td><td>-830</td><td></td><td></td></tr><tr><td>Goodwill</td><td>1,014</td><td></td><td></td><td>1,014</td><td></td><td></td></tr><tr><td>Core deposit and other intangibles</td><td>31</td><td></td><td></td><td>44</td><td></td><td></td></tr><tr><td>Other assets</td><td>2,634</td><td></td><td></td><td>2,693</td><td></td><td></td></tr><tr><td>Total assets</td><td>$55,890</td><td></td><td></td><td>$54,942</td><td></td><td></td></tr><tr><td>LIABILITIES</td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Interest-bearing deposits:</td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Saving and money market</td><td>$23,532</td><td>37.0</td><td>0.16</td><td>$22,891</td><td>39.7</td><td>0.17</td></tr><tr><td>Time</td><td>2,490</td><td>11.5</td><td>0.46</td><td>2,792</td><td>15.9</td><td>0.57</td></tr><tr><td>Foreign</td><td>642</td><td>1.2</td><td>0.18</td><td>1,662</td><td>3.3</td><td>0.20</td></tr><tr><td>Total interest-bearing deposits</td><td>26,664</td><td>49.7</td><td>0.19</td><td>27,345</td><td>58.9</td><td>0.22</td></tr><tr><td>Borrowed funds:</td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Federal funds purchased and other short-term borrowings</td><td>223</td><td>0.3</td><td>0.11</td><td>278</td><td>0.3</td><td>0.11</td></tr><tr><td>Long-term debt</td><td>1,811</td><td>123.0</td><td>6.79</td><td>2,274</td><td>185.9</td><td>8.17</td></tr><tr><td>Total borrowed funds</td><td>2,034</td><td>123.3</td><td>6.06</td><td>2,552</td><td>186.2</td><td>7.29</td></tr><tr><td>Total interest-bearing liabilities</td><td>28,698</td><td>173.0</td><td>0.60</td><td>29,897</td><td>245.1</td><td>0.82</td></tr><tr><td>Noninterest-bearing deposits</td><td>19,609</td><td></td><td></td><td>17,971</td><td></td><td></td></tr><tr><td>Other liabilities</td><td>555</td><td></td><td></td><td>586</td><td></td><td></td></tr><tr><td>Total liabilities</td><td>48,862</td><td></td><td></td><td>48,454</td><td></td><td></td></tr><tr><td>Shareholders’ equity:</td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Preferred equity</td><td>1,004</td><td></td><td></td><td>1,360</td><td></td><td></td></tr><tr><td>Common equity</td><td>6,024</td><td></td><td></td><td>5,130</td><td></td><td></td></tr><tr><td>Controlling interest shareholders’ equity</td><td>7,028</td><td></td><td></td><td>6,490</td><td></td><td></td></tr><tr><td>Noncontrolling interests</td><td>—</td><td></td><td></td><td>-2</td><td></td><td></td></tr><tr><td>Total shareholders’ equity</td><td>7,028</td><td></td><td></td><td>6,488</td><td></td><td></td></tr><tr><td>Total liabilities and shareholders’ equity</td><td>$55,890</td><td></td><td></td><td>$54,942</td><td></td><td></td></tr><tr><td>Spread on average interest-bearing funds</td><td></td><td></td><td>2.99%</td><td></td><td></td><td>3.02%</td></tr><tr><td>Taxable-equivalent net interest income and net yield on interest-earning assets</td><td></td><td>$1,696.1</td><td>3.26%</td><td></td><td>$1,711.8</td><td>3.36%</td></tr></table>
<table><tr><td>(Amounts in millions)</td><td>2014</td><td>Percent change</td><td>2013</td><td>Percent change</td><td>2012</td></tr><tr><td>Nonhedge derivative income (loss)</td><td>$-0.4</td><td>20.0%</td><td>$-0.5</td><td>66.7%</td><td>$-1.5</td></tr><tr><td>Total return swap</td><td>-7.9</td><td>63.8</td><td>-21.8</td><td>-0.5</td><td>-21.7</td></tr><tr><td>Derivative fair value credit adjustments</td><td>-3.1</td><td>-175.6</td><td>4.1</td><td>192.9</td><td>1.4</td></tr><tr><td>Total</td><td>$-11.4</td><td>37.4</td><td>$-18.2</td><td>16.5</td><td>$-21.8</td></tr></table>

Question: What's the average of the Total return swap for amount in the years where Financial for Standby letters of credit is positive? (in million)
Answer: -14.85