the facility is considered “debt” for purposes of a support agreement between American Water and AWCC, which serves as a functional equivalent of a guarantee by American Water of AWCC’s payment obligations under the credit facility.
Also, the Company acquired an additional revolving line of credit as part of its Keystone acquisition.
The total commitment under this credit facility was $16 million of which $2 million was outstanding as of December 31, 2015.
The following table summarizes information regarding the Company’s aggregate credit facility commitments, letter of credit sub-limits and available funds under those revolving credit facilities, as well as outstanding amounts of commercial paper and outstanding borrowings under the respective facilities as of December 31, 2015 and 2014:
## Table 0 ##
The weighted-average interest rate on AWCC short-term borrowings for the years ended December 31, 2015 and 2014 was approximately 0.49% and 0.31%, respectively.
Interest accrues on the Keystone revolving line of credit daily at a rate per annum equal to 2.75% above the greater of the one month or one day LIBOR.
Capital Structure The following table indicates the percentage of our capitalization represented by the components of our capital structure as of December 31:
The changes in the capital structure between periods were mainly attributable to changes in outstanding commercial paper balances.
Debt Covenants Our debt agreements contain financial and non-financial covenants.
To the extent that we are not in compliance with these covenants such an event may create an event of default under the debt agreement and we or our subsidiaries may be restricted in our ability to pay dividends, issue new debt or access our revolving credit facility.
For two of our smaller operating companies, we have informed our counterparties that we will provide only unaudited financial information at the subsidiary level, which resulted in technical non-compliance with certain of their reporting requirements under debt agreements with respect to $8 million of outstanding debt.
We do not believe this event will materially impact us.
Our long-term debt indentures contain a number of covenants that, among other things, limit the Company from issuing debt secured by the Company’s assets, subject to certain exceptions.
Our failure to comply with any of these covenants could accelerate repayment obligations.
Certain long-term notes and the revolving credit facility require us to maintain a ratio of consolidated debt to consolidated capitalization (as defined in the relevant documents) of not more than 0.70 to 1.00.
On December 31, 2015, our ratio was 0.56 to 1.00 and therefore we were in compliance with the covenant.
THE GOLDMAN SACHS GROUP, INC.  AND SUBSIDIARIES Notes to Consolidated Financial Statements Available-for-Sale Securities The table below presents information about cash instruments that are accounted for as available-for-sale.
## Table 1 ##
In the table above: ‰ U. S.  government obligations were classified in level 1 of the fair value hierarchy as of both December 2018 and December 2017.
‰ Other available-for-sale securities included corporate debt securities, other debt obligations, securities backed by commercial real estate and money market instruments, substantially all of which were classified in level 2 of the fair value hierarchy as of December 2017.
‰ The gross unrealized losses included in accumulated other comprehensive loss were $153 million as of December 2018 and were related to U. S.  government obligations in a continuous unrealized loss position for greater than a year.
Such losses were not material as of December 2017.
‰ Available-for-sale securities in an unrealized loss position are periodically reviewed for other-than-temporary impairment.
The firm considers various factors, including market conditions, changes in issuer credit ratings, severity and duration of the unrealized losses, and the intent and ability to hold the security until recovery to determine if the securities are other-than-temporarily impaired.
There were no such impairments during either 2018 or 2017.
Investments in Funds at Net Asset Value Per Share Cash instruments at fair value include investments in funds that are measured at NAV of the investment fund.
The firm uses NAV to measure the fair value of its fund investments when (i) the fund investment does not have a readily determinable fair value and (ii) the NAV of the investment fund is calculated in a manner consistent with the measurement principles of investment company accounting, including measurement of the investments at fair value.
Substantially all of the firm’s investments in funds at NAV consist of investments in firm-sponsored private equity, credit, real estate and hedge funds where the firm co-invests with third-party investors.
Private equity funds primarily invest in a broad range of industries worldwide, including leveraged buyouts, recapitalizations, growth investments and distressed investments.
Credit funds generally invest in loans and other fixed income instruments and are focused on providing private high-yield capital for leveraged and management buyout transactions, recapitalizations, financings, refinancings, acquisitions and restructurings for private equity firms, private family companies and corporate issuers.
Real estate funds invest globally, primarily in real estate companies, loan portfolios, debt recapitalizations and property.
Private equity, credit and real estate funds are closed-end funds in which the firm’s investments are generally not eligible for redemption.
Distributions will be received from these funds as the underlying assets are liquidated or distributed, the timing of which is uncertain.
The firm also invests in hedge funds, primarily multidisciplinary hedge funds that employ a fundamental bottom-up investment approach across various asset classes and strategies.
The firm’s investments in hedge funds primarily include interests where the underlying assets are illiquid in nature, and proceeds from redemptions will not be received until the underlying assets are liquidated or distributed, the timing of which is uncertain.
THE GOLDMAN SACHS GROUP, INC.  AND SUBSIDIARIES Management’s Discussion and Analysis Loans.
The table below presents loans by type and region.
## Table 2 ##
In the table above: ‰ As of December 2018, corporate loans included $15.50 billion of loans relating to our relationship lending and investment banking activities, $6.99 billion relating to collateralized inventory financing and the remainder of the loans related to other corporate lending activities, including middle market lending.
As of December 2017, corporate loans included $11.96 billion of loans relating to our relationship lending and investment banking activities, $5.49 billion relating to collateralized inventory financing and the remainder of the loans related to other corporate lending activities, including middle market lending.
‰ Approximately 85% of total loans were secured as of both December 2018 and December 2017.
‰ See Note 9 to the consolidated financial statements for further information about loans receivable.
‰ Other Assets.
Other assets are generally less liquid, nonfinancial assets, including property, leasehold improvements and equipment, goodwill and identifiable intangible assets, income tax-related receivables and miscellaneous receivables.
Other assets included $13.21 billion as of December 2018 and $9.42 billion as of December 2017, held by consolidated investment entities (CIEs) in connection with our Investing & Lending segment activities.
Substantially all of such assets relate to CIEs engaged in real estate investment activities.
These entities were funded with liabilities of approximately $6 billion as of December 2018 and $4 billion as of December 2017.
Substantially all such liabilities were nonrecourse, thereby reducing our equity at risk.
The table below presents the reconciliation of our balance sheet allocation to our U. S.  GAAP balance sheet.
## Table 3 ##
In the table above: ‰ Total assets for Institutional Client Services and Investing & Lending represent inventory and related assets.
These amounts differ from total assets by business segment disclosed in Note 25 to the consolidated financial statements because total assets disclosed in Note 25 include allocations of our GCLA, segregated assets and other, secured client financing and other assets.
‰ See “Balance Sheet Analysis and Metrics” for explanations on the changes in our balance sheet from December 2017 to December 2018.

<table><tr><td></td><td>2015</td><td>2014</td><td>2013</td></tr><tr><td>Total common stockholders' equity</td><td>43.5%</td><td>45.2%</td><td>44.6%</td></tr><tr><td>Long-term debt and redeemable preferred stock at redemption value</td><td>50.6%</td><td>50.1%</td><td>49.3%</td></tr><tr><td>Short-term debt and current portion of long-term debt</td><td>5.9%</td><td>4.7%</td><td>6.1%</td></tr><tr><td>Total</td><td>100%</td><td>100%</td><td>100%</td></tr></table>
<table><tr><td><i>$ in millions</i></td><td>Amortized Cost</td><td>Fair Value</td><td>Weighted Average Yield</td></tr><tr><td> As of December 2018</td><td></td><td></td><td></td></tr><tr><td>Less than 5 years</td><td> $ 5,954</td><td> $ 5,879</td><td> 2.10%</td></tr><tr><td>Greater than 5 years</td><td> 6,231</td><td> 6,153</td><td> 2.44%</td></tr><tr><td> Total U.S. government obligations</td><td> 12,185</td><td> 12,032</td><td> 2.28%</td></tr><tr><td> Totalavailable-for-salesecurities</td><td> $12,185</td><td> $12,032</td><td> 2.28%</td></tr><tr><td>As of December 2017</td><td></td><td></td><td></td></tr><tr><td>Less than 5 years</td><td>$ 3,834</td><td>$ 3,800</td><td>1.95%</td></tr><tr><td>Greater than 5 years</td><td>5,207</td><td>5,222</td><td>2.41%</td></tr><tr><td>Total U.S. government obligations</td><td>9,041</td><td>9,022</td><td>2.22%</td></tr><tr><td>Less than 5 years</td><td>19</td><td>19</td><td>0.43%</td></tr><tr><td>Greater than 5 years</td><td>233</td><td>235</td><td>4.62%</td></tr><tr><td>Total otheravailable-for-salesecurities</td><td>252</td><td>254</td><td>4.30%</td></tr><tr><td>Totalavailable-for-salesecurities</td><td>$ 9,293</td><td>$ 9,276</td><td>2.27%</td></tr></table>
<table><tr><td><i>$ in millions</i></td><td>Loans Receivable</td><td>Loans, at Fair Value</td><td>Total</td></tr><tr><td> As of December 2018</td><td></td><td></td><td></td></tr><tr><td> Loan Type</td><td></td><td></td><td></td></tr><tr><td>Corporate loans</td><td>$37,283</td><td> $ 2,819</td><td>$40,102</td></tr><tr><td>PWM loans</td><td>17,219</td><td> 7,250</td><td>24,469</td></tr><tr><td>Commercial real estate loans</td><td>11,441</td><td> 1,718</td><td>13,159</td></tr><tr><td>Residential real estate loans</td><td>7,284</td><td> 973</td><td>8,257</td></tr><tr><td>Consumer loans</td><td>4,536</td><td> –</td><td>4,536</td></tr><tr><td>Other loans</td><td>3,893</td><td> 656</td><td>4,549</td></tr><tr><td>Allowance for loan losses</td><td>-1,066</td><td> –</td><td>-1,066</td></tr><tr><td> Total</td><td>$80,590</td><td> $13,416</td><td>$94,006</td></tr><tr><td> Region</td><td></td><td></td><td></td></tr><tr><td>Americas</td><td>67%</td><td> 11%</td><td>78%</td></tr><tr><td>Europe, Middle East and Africa</td><td>16%</td><td> 2%</td><td>18%</td></tr><tr><td>Asia</td><td>3%</td><td> 1%</td><td>4%</td></tr><tr><td> Total</td><td>86%</td><td> 14%</td><td>100%</td></tr><tr><td>As of December 2017</td><td></td><td></td><td></td></tr><tr><td> Loan Type</td><td></td><td></td><td></td></tr><tr><td>Corporate loans</td><td>$30,749</td><td>$ 3,924</td><td>$34,673</td></tr><tr><td>PWM loans</td><td>16,591</td><td>7,102</td><td>23,693</td></tr><tr><td>Commercial real estate loans</td><td>7,987</td><td>1,825</td><td>9,812</td></tr><tr><td>Residential real estate loans</td><td>6,234</td><td>1,043</td><td>7,277</td></tr><tr><td>Consumer loans</td><td>1,912</td><td>–</td><td>1,912</td></tr><tr><td>Other loans</td><td>3,263</td><td>983</td><td>4,246</td></tr><tr><td>Allowance for loan losses</td><td>-803</td><td>–</td><td>-803</td></tr><tr><td>Total</td><td>$65,933</td><td>$14,877</td><td>$80,810</td></tr><tr><td> Region</td><td></td><td></td><td></td></tr><tr><td>Americas</td><td>64%</td><td>13%</td><td>77%</td></tr><tr><td>Europe, Middle East and Africa</td><td>14%</td><td>4%</td><td>18%</td></tr><tr><td>Asia</td><td>4%</td><td>1%</td><td>5%</td></tr><tr><td>Total</td><td>82%</td><td>18%</td><td>100%</td></tr></table>
<table><tr><td><i>$ in millions</i></td><td>GCLA, Segregated Assets and Other</td><td>Secured Client Financing</td><td>Institutional Client Services</td><td>Investing & Lending</td><td>Total</td></tr><tr><td colspan="2"> As of December 2018</td><td></td><td></td><td></td><td></td></tr><tr><td>Cash and cash equivalents</td><td> $130,547</td><td> $ –</td><td> $ –</td><td> $ –</td><td> $130,547</td></tr><tr><td>Resale agreements</td><td> 87,022</td><td> 32,389</td><td> 19,808</td><td> 39</td><td> 139,258</td></tr><tr><td>Securities borrowed</td><td> 10,382</td><td> 83,079</td><td> 41,824</td><td> –</td><td> 135,285</td></tr><tr><td>Loans receivable</td><td> –</td><td> –</td><td> –</td><td> 80,590</td><td> 80,590</td></tr><tr><td>Customer and other receivables</td><td> –</td><td> 29,764</td><td> 42,006</td><td> 7,545</td><td> 79,315</td></tr><tr><td>Financial instruments owned</td><td> 85,187</td><td> –</td><td> 204,584</td><td> 46,390</td><td> 336,161</td></tr><tr><td>Subtotal</td><td> $313,138</td><td> $145,232</td><td> $308,222</td><td> $134,564</td><td> $901,156</td></tr><tr><td>Other assets</td><td></td><td></td><td></td><td></td><td> 30,640</td></tr><tr><td> Total assets</td><td></td><td></td><td></td><td></td><td> $931,796</td></tr><tr><td colspan="3">As ofDecember 2017</td><td></td><td></td><td></td></tr><tr><td>Cash and cash equivalents</td><td>$110,051</td><td>$ –</td><td>$ –</td><td>$ –</td><td>$110,051</td></tr><tr><td>Resale agreements</td><td>73,277</td><td>26,202</td><td>20,931</td><td>412</td><td>120,822</td></tr><tr><td>Securities borrowed</td><td>49,242</td><td>97,546</td><td>44,060</td><td>–</td><td>190,848</td></tr><tr><td>Loans receivable</td><td>–</td><td>–</td><td>–</td><td>65,933</td><td>65,933</td></tr><tr><td>Customer and other receivables</td><td>–</td><td>40,375</td><td>36,750</td><td>7,663</td><td>84,788</td></tr><tr><td>Financial instruments owned</td><td>52,700</td><td>–</td><td>216,883</td><td>46,405</td><td>315,988</td></tr><tr><td>Subtotal</td><td>$285,270</td><td>$164,123</td><td>$318,624</td><td>$120,413</td><td>$888,430</td></tr><tr><td>Other assets</td><td></td><td></td><td></td><td></td><td>28,346</td></tr><tr><td>Total assets</td><td></td><td></td><td></td><td></td><td>$916,776</td></tr></table>

Question: In the year with largest amount of Corporate loans, what's the increasing rate of Allowance for loan losses?
Answer: 0.24672