Retirement Savings Plan.
The Company has a retirement savings plan, commonly known as a 401(k) plan that allows participating employees in the United States to contribute up to 100 percent of their pre-tax salary subject to Internal Revenue Service limits.
The Company matches employee contributions at a rate of 50 cents on each dollar of the first six percent of participants’ contributions, to a maximum of three percent of eligible compensation.
The Company’s contributions to the 401(k) plan were approximately $13 million in 2005, $12 million in 2004 and $10 million in 2003.
NOTE 13: Commitments and Guarantees The Company leases certain of its facilities, as well as the underlying land in certain jurisdictions, under agreements that expire at various dates through 2021.
The Company also leases certain of its manufacturing and office equipment for terms ranging from one to five years.
Rent expense was approximately $69 million, $63 million and $53 million in 2005, 2004 and 2003.
For each of the next five years and beyond, noncancelable long-term operating lease obligations, including facilities vacated in connection with restructuring activities, and unconditional commitments to construct the 300-millimeter wafer fabrication facility and purchase manufacturing supplies and services are as follows:
## Table 0 ##
The previous operating lease for the Company’s corporate marketing, general and administrative facility in Sunnyvale, California expired in December 1998, at which time the Company arranged for the sale of the facility to a third party and leased it back under a new operating lease.
The Company deferred the gain ($37 million) on the sale and is amortizing it over a period of 20 years, the life of the lease.
The lease expires in December 2018.
At the beginning of the fourth lease year and every three years thereafter, the rent will be adjusted by 200 percent of the cumulative increase in the consumer price index over the prior three-year period, up to a maximum of 6.9 percent.
Certain other operating leases contain provisions for escalating lease payments subject to changes in the consumer price index.
Total future lease obligations as of December 25, 2005, were approximately $326 million, of which $91 million was recorded as a liability for certain facilities that were included in our 2002 Restructuring Plan.
(See Note 15. )
The Company, in the normal course of business, enters into purchase commitments for manufacturing supplies and services.
Total non-cancelable purchase commitments as of December 25, 2005, were $1.4 billion for periods through 2020.
These purchase commitments include $559 million related to contractual obligations of Fab 30 and Fab 36 to purchase silicon-on-insulator wafers and purchases of energy and gas and up to $226 million representing future payments to IBM pursuant to our joint development agreement.
As IBM’s services are being performed ratably over the life of the agreement, we expense the payments as incurred.
In October 2005, our Board of Directors approved an amendment of this agreement, which, among other things, extended its termination date through December 2011.
However, capital purchases by IBM necessary for the continued development of process development projects past December 31, 2008 are conditioned upon the approval of IBM’s board of directors.
If such approval is not received by September 30, 2007, either party has the right to terminate the agreement effective December 31, 2008 without liability.
Accordingly, the table above only reflects the Company’s obligations through December 31, 2008.
If such approval is received from IBM, the additional
Table 46: Allowance for Loan and Lease Losses
## Table 1 ##
(a) Includes charge-offs of $134 million taken pursuant to alignment with interagency guidance on practices for loans and lines of credit related to consumer lending in the first quarter of 2013.
The provision for credit losses totaled $643 million for 2013 compared to $987 million for 2012.
The primary driver of the decrease to the provision was improved overall credit quality, including improved commercial loan risk factors, lower consumer loan delinquencies and improvements in expected cash flows for our purchased impaired loans.
For 2013, the provision for commercial lending credit losses decreased by $102 million, or 74%, from 2012.
The provision for consumer lending credit losses decreased $242 million, or 29%, from 2012.
At December 31, 2013, total ALLL to total nonperforming loans was 117%.
The comparable amount for December 31, 2012 was 124%.
These ratios are 72% and 79%, respectively, when excluding the $1.4 billion and $1.5 billion, respectively, of ALLL at December 31, 2013 and December 31, 2012 allocated to consumer loans and lines of credit not secured by residential real estate and purchased impaired loans.
We have excluded consumer loans and lines of credit not secured by real estate as they are charged off after 120 to 180 days past due and not placed on nonperforming status.
Additionally, we have excluded purchased impaired loans as they are considered performing regardless of their delinquency status as interest is accreted based on our estimate of expected cash flows and additional allowance is recorded when these cash flows are below recorded investment.
See Table 35 within this Credit Risk Management section for additional information.
The ALLL balance increases or decreases across periods in relation to fluctuating risk factors, including asset quality trends, charge-offs and changes in aggregate portfolio balances.
During 2013, improving asset quality trends, including, but not limited to, delinquency status and improving economic conditions, realization of previously estimated losses through charge-offs, including the impact of alignment with interagency guidance and overall portfolio growth, combined to result in the ALLL balance declining $.4 billion, or 11% to $3.6 billion as of December 31, 2013 compared to December 31, 2012.
See Note 7 Allowances for Loan and Lease Losses and Unfunded Loan Commitments and Letters of Credit and Note 6 Purchased Loans in the Notes To Consolidated Financial Statements in Item 8 of this Report regarding changes in the ALLL and in the allowance for unfunded loan commitments and letters of credit.
OPERATIONAL RISK MANAGEMENT Operational risk is the risk of loss resulting from inadequate or failed internal processes or systems, human factors, or external events.
This includes losses that may arise as a result of noncompliance with laws or regulations, failure to fulfill fiduciary responsibilities, as well as litigation or other legal actions.
Operational risk may occur in any of our business activities and manifests itself in various ways, including but not limited to: ?
Transaction processing errors, ?
Unauthorized transactions and fraud by employees or third parties, ?
Material disruption in business activities, ?
System breaches and misuse of sensitive information, ?
Regulatory or governmental actions, fines or penalties, and ?
Significant legal expenses, judgments or settlements.
PNC’s Operational Risk Management is inclusive of Technology Risk Management, Compliance and Business Continuity Risk.
Operational Risk Management focuses on balancing business needs, regulatory expectations and risk management priorities through an adaptive and proactive program that is designed to provide a strong governance model, sound and consistent risk management processes and transparent operational risk reporting across the enterprise.
The PNC Board determines the strategic approach to operational risk via establishment of the operational risk appetite and appropriate risk management structure.
This includes establishment of risk metrics and limits and a reporting structure to identify, understand and manage operational risks.
Executive Management has responsibility for operational risk management.
The executive management team is responsible for monitoring significant risks, key controls and related issues through management reporting and a governance structure of risk committees and sub-committees.
Within Risk Management, Operational Risk Management functions are responsible for developing and maintaining the
ITEM 6 – SELECTED FINANCIAL DATA
## Table 2 ##
(a) Includes the impact of RBC Bank (USA), which we acquired on March 2, 2012.
(b) Amount for 2009 includes recognition of a $1.1 billion pretax gain on our portion of the increase in BlackRock’s equity resulting from the value of BlackRock shares issued in connection with BlackRock’s acquisition of Barclays Global Investors (BGI) on December 1, 2009.
(c) Includes results of operations for PNC Global Investment Servicing Inc.  (GIS) through June 30, 2010 and the related after-tax gain on sale.
We sold GIS effective July 1, 2010, resulting in a gain of $639 million, or $328 million after taxes, recognized during the third quarter of 2010.
(d) We redeemed the Series N (TARP) Preferred Stock on February 10, 2010.
In connection with the redemption, we accelerated the accretion of the remaining issuance discount on the Series N Preferred Stock and recorded a corresponding reduction in retained earnings of $250 million in the first quarter of 2010.
This resulted in a noncash reduction in net income attributable to common shareholders and related basic and diluted earnings per share.
The Series N Preferred Stock was issued on December 31, 2008.
Certain prior period amounts have been reclassified to conform with the current period presentation, which we believe is more meaningful to readers of our consolidated financial statements.
This Selected Financial Data should be reviewed in conjunction with the Consolidated Financial Statements and Notes included in Item 8 of this Report as well as the other disclosure in this Report concerning our historical financial performance, our future prospects and the risks associated with our business and financial performance.

<table><tr><td></td><td> Operating leases</td><td> Purchase commitments</td></tr><tr><td></td><td colspan="2"> (In thousands)</td></tr><tr><td>2006</td><td>$50,826</td><td>$490,391</td></tr><tr><td>2007</td><td>47,738</td><td>279,200</td></tr><tr><td>2008</td><td>43,942</td><td>226,819</td></tr><tr><td>2009</td><td>36,124</td><td>62,804</td></tr><tr><td>2010</td><td>32,953</td><td>56,183</td></tr><tr><td>Beyond 2010</td><td>113,947</td><td>273,107</td></tr><tr><td></td><td>$325,530</td><td>$1,388,504</td></tr></table>
<table><tr><td>Dollars in millions</td><td>2013</td><td>2012</td></tr><tr><td>January 1</td><td>$4,036</td><td>$4,347</td></tr><tr><td>Total net charge-offs</td><td>-1,077</td><td>-1,289</td></tr><tr><td>Provision for credit losses</td><td>643</td><td>987</td></tr><tr><td>Net change in allowance for unfunded loan commitments and letters of credit</td><td>8</td><td>-10</td></tr><tr><td>Other</td><td>-1</td><td>1</td></tr><tr><td>December 31</td><td>$3,609</td><td>$4,036</td></tr><tr><td>Net charge-offs to average loans (for the year ended) (a)</td><td>.57%</td><td>.73%</td></tr><tr><td>Allowance for loan and lease losses to total loans</td><td>1.84</td><td>2.17</td></tr><tr><td>Commercial lending net charge-offs</td><td>$-249</td><td>$-359</td></tr><tr><td>Consumer lending net charge-offs</td><td>-828</td><td>-930</td></tr><tr><td>Total net charge-offs</td><td>$-1,077</td><td>$-1,289</td></tr><tr><td>Net charge-offs to average loans (for the year ended)</td><td></td><td></td></tr><tr><td>Commercial lending</td><td>.22%</td><td>.35%</td></tr><tr><td>Consumer lending (a)</td><td>1.07</td><td>1.24</td></tr></table>
<table><tr><td></td><td colspan="5">Year ended December 31</td></tr><tr><td>Dollars in millions, except per share data</td><td>2013 (a)</td><td>2012 (a)</td><td>2011</td><td>2010</td><td>2009</td></tr><tr><td> SUMMARYOFOPERATIONS</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Interest income</td><td>$10,007</td><td>$10,734</td><td>$10,194</td><td>$11,150</td><td>$12,086</td></tr><tr><td>Interest expense</td><td>860</td><td>1,094</td><td>1,494</td><td>1,920</td><td>3,003</td></tr><tr><td>Net interest income</td><td>9,147</td><td>9,640</td><td>8,700</td><td>9,230</td><td>9,083</td></tr><tr><td>Noninterest income (b)</td><td>6,865</td><td>5,872</td><td>5,626</td><td>5,946</td><td>7,145</td></tr><tr><td>Total revenue</td><td>16,012</td><td>15,512</td><td>14,326</td><td>15,176</td><td>16,228</td></tr><tr><td>Provision for credit losses</td><td>643</td><td>987</td><td>1,152</td><td>2,502</td><td>3,930</td></tr><tr><td>Noninterest expense</td><td>9,801</td><td>10,582</td><td>9,105</td><td>8,613</td><td>9,073</td></tr><tr><td>Income from continuing operations before income taxes and noncontrolling interests</td><td>5,568</td><td>3,943</td><td>4,069</td><td>4,061</td><td>3,225</td></tr><tr><td>Income taxes</td><td>1,341</td><td>942</td><td>998</td><td>1,037</td><td>867</td></tr><tr><td>Income from continuing operations before noncontrolling interests</td><td>4,227</td><td>3,001</td><td>3,071</td><td>3,024</td><td>2,358</td></tr><tr><td>Income from discontinued operations (net of income taxes of zero, zero, zero, $338 and$54) (c)</td><td></td><td></td><td></td><td>373</td><td>45</td></tr><tr><td>Net income</td><td>4,227</td><td>3,001</td><td>3,071</td><td>3,397</td><td>2,403</td></tr><tr><td>Less: Net income (loss) attributable to noncontrolling interests</td><td>7</td><td>-12</td><td>15</td><td>-15</td><td>-44</td></tr><tr><td>Preferred stock dividends (d)</td><td>237</td><td>177</td><td>56</td><td>146</td><td>388</td></tr><tr><td>Preferred stock discount accretion and redemptions (d)</td><td>12</td><td>4</td><td>2</td><td>255</td><td>56</td></tr><tr><td>Net income attributable to common shareholders (d)</td><td>$3,971</td><td>$2,832</td><td>$2,998</td><td>$3,011</td><td>$2,003</td></tr><tr><td> PERCOMMONSHARE</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Basic earnings</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Continuing operations</td><td>$7.48</td><td>$5.36</td><td>$5.70</td><td>$5.08</td><td>$4.30</td></tr><tr><td>Discontinued operations (c)</td><td></td><td></td><td></td><td>.72</td><td>.10</td></tr><tr><td>Net income</td><td>$7.48</td><td>$5.36</td><td>$5.70</td><td>$5.80</td><td>$4.40</td></tr><tr><td>Diluted earnings</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Continuing operations</td><td>$7.39</td><td>$5.30</td><td>$5.64</td><td>$5.02</td><td>$4.26</td></tr><tr><td>Discontinued operations (c)</td><td></td><td></td><td></td><td>.72</td><td>.10</td></tr><tr><td>Net income</td><td>$7.39</td><td>$5.30</td><td>$5.64</td><td>$5.74</td><td>$4.36</td></tr><tr><td>Book value</td><td>$72.21</td><td>$67.05</td><td>$61.52</td><td>$56.29</td><td>$47.68</td></tr><tr><td>Cash dividends declared</td><td>$1.72</td><td>$1.55</td><td>$1.15</td><td>$.40</td><td>$.96</td></tr></table>

Question: What's the sum of January 1 of 2013, and Interest income of Year ended December 31 2009 ?
Answer: 16122.0