Company Stock Performance The following graph shows a five-year comparison of cumulative total shareholder return, calculated on a dividend reinvested basis, for the Company, the S&P 500 Composite Index, the S&P Computer Hardware Index, and the Dow Jones U. S.  Technology Index.
The graph assumes $100 was invested in each of the Company’s common stock, the S&P 500 Composite Index, the S&P Computer Hardware Index, and the Dow Jones U. S.  Technology Index as of the market close on September 30, 2007.
Data points on the graph are annual.
Note that historic stock price performance is not necessarily indicative of future stock price performance.
## Table 0 ##
*$100 invested on 9/30/07 in stock or index, including reinvestment of dividends.
Fiscal year ending September 30.
Copyright?2012 S&P, a division of The McGraw-Hill Companies Inc.  All rights reserved.
22.
COMMITMENTS AND CONTINGENT LIABILITIES Commitments to extend credit In the ordinary course of business, Huntington makes various commitments to extend credit that are not reflected in the Consolidated Financial Statements.
The contract amounts of these financial agreements at December 31, 2011, and December 31, 2010, were as follows:
## Table 1 ##
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 borrower’s credit quality.
These arrangements normally require the payment of a fee by the borrower, 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.
Standby letters-of-credit are conditional commitments issued to guarantee the performance of a borrower to a third party.
These guarantees are primarily issued to support public and private borrowing arrangements, including commercial paper, bond financing, and similar transactions.
Most of these arrangements mature within two years.
The carrying amount of deferred revenue associated with these guarantees was $1.6 million and $2.2 million at December 31, 2011 and 2010, respectively.
Through the Company’s credit process, Huntington monitors the credit risks of outstanding standby letters-of-credit.
When it is probable that a standby letter-of-credit will be drawn and not repaid in full, losses are recognized in the provision for credit losses.
At December 31, 2011, Huntington had $586 million of standby letters-of-credit outstanding, of which 80% were collateralized.
Included in this $586 million total are letters-of-credit issued by the Bank that support securities that were issued by customers and remarketed by The Huntington Investment Company, the Company’s broker-dealer subsidiary.
Huntington uses an internal loan grading system to assess an estimate of loss on its loan and lease portfolio.
The same loan grading system is used to help monitor credit risk associated with standby letters-of-credit.
Under this risk rating system as of December 31, 2011, approximately $116 million of the standby letters-of-credit were rated strong with sufficient asset quality, liquidity, and good debt capacity and coverage, approximately $411 million were rated average with acceptable asset quality, liquidity, and modest debt capacity; and approximately $59 million were rated substandard with negative financial trends, structural weaknesses, operating difficulties, and higher leverage.
Commercial letters-of-credit represent short-term, self-liquidating instruments that facilitate customer trade transactions and generally have maturities of no longer than 90 days.
The goods or cargo being traded normally secures these instruments.
Commitments to sell loans Huntington enters into forward contracts relating to its mortgage banking business to hedge the exposures from commitments to make new residential mortgage loans with existing customers and from mortgage loans
Capital Adequacy The following table presents risk-weighted assets and other financial data necessary to calculate certain financial ratios, including the Tier 1 common equity ratio, which we use to measure capital adequacy: Table 36 — Capital Adequacy
## Table 2 ##
(1) Intangible assets are net of deferred tax liability and calculated assuming a 35% tax rate.
(2) See Non-Regulatory and Capital Ratios located in the Additional Disclosure section.
Capital continued to strengthen as period-end capital ratios improved compared to December 31, 2010.
Our Tier 1 common risk-based ratio improved 71 basis points to 10.00% at December 31, 2011.
This increase primarily reflected the combination of an increase in retained earnings and a reduction in the disallowed tax deferred asset, partially offset by an increase in risk-weighted assets and the impacts related to the payments of dividends and the repurchase of the TARP warrants.
Although not a regulatory capital ratio, the Tier 1 common risk-based ratio has gained prominence with our regulators and investors.
The Dodd-Frank Act requires that any bank with assets over $50.0 billion would be subject to additional scrutiny.
U. S.  regulators have identified such qualifying banks as SIFIs.
With $54.5 billion in assets at December 31, 2011, we are at the lower range of the SIFI group.
Although we do not have sufficient

<table><tr><td></td><td>September 30,  2007</td><td>September 30,  2008</td><td>September 30,  2009</td><td>September 30,  2010</td><td>September 30,  2011</td><td>September 30,  2012</td></tr><tr><td>Apple Inc.</td><td>$100</td><td>$74</td><td>$121</td><td>$185</td><td>$248</td><td>$437</td></tr><tr><td>S&P 500</td><td>$100</td><td>$78</td><td>$73</td><td>$80</td><td>$81</td><td>$105</td></tr><tr><td>S&P Computer Hardware</td><td>$100</td><td>$84</td><td>$99</td><td>$118</td><td>$134</td><td>$214</td></tr><tr><td>Dow Jones US Technology</td><td>$100</td><td>$76</td><td>$85</td><td>$95</td><td>$98</td><td>$127</td></tr></table>
<table><tr><td></td><td colspan="2"> At December 31,</td></tr><tr><td></td><td> 2011</td><td> 2010</td></tr><tr><td> (dollar amounts in millions)</td><td></td><td></td></tr><tr><td> Contract amount represents credit risk</td><td></td><td></td></tr><tr><td>Commitments to extend credit</td><td></td><td></td></tr><tr><td>Commercial</td><td>$8,006</td><td>$5,933</td></tr><tr><td>Consumer</td><td>5,904</td><td>5,406</td></tr><tr><td>Commercial real estate</td><td>610</td><td>546</td></tr><tr><td>Standby letters of credit</td><td>586</td><td>607</td></tr></table>
<table><tr><td></td><td colspan="5">December 31,</td></tr><tr><td></td><td>2011</td><td>2010</td><td>2009</td><td>2008</td><td>2007</td></tr><tr><td> (dollar amounts in millions)</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td> Consolidated capital calculations:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Common shareholders’ equity</td><td>$5,032</td><td>$4,618</td><td>$3,648</td><td>$5,351</td><td>$5,951</td></tr><tr><td>Preferred shareholders’ equity</td><td>386</td><td>363</td><td>1,688</td><td>1,878</td><td>—</td></tr><tr><td>Total shareholders’ equity</td><td>5,418</td><td>4,981</td><td>5,336</td><td>7,229</td><td>5,951</td></tr><tr><td>Goodwill</td><td>-444</td><td>-444</td><td>-444</td><td>-3,055</td><td>-3,059</td></tr><tr><td>Other intangible assets</td><td>-175</td><td>-229</td><td>-289</td><td>-357</td><td>-428</td></tr><tr><td>Other intangible asset deferred tax liability-1</td><td>61</td><td>80</td><td>101</td><td>125</td><td>150</td></tr><tr><td>Total tangible equity-2</td><td>4,860</td><td>4,388</td><td>4,704</td><td>3,942</td><td>2,614</td></tr><tr><td>Preferred shareholders’ equity</td><td>-386</td><td>-363</td><td>-1,688</td><td>-1,878</td><td>—</td></tr><tr><td>Total tangible common equity-2</td><td>$4,474</td><td>$4,025</td><td>$3,016</td><td>$2,064</td><td>$2,614</td></tr><tr><td>Total assets</td><td>$54,451</td><td>$53,820</td><td>$51,555</td><td>$54,353</td><td>$54,697</td></tr><tr><td>Goodwill</td><td>-444</td><td>-444</td><td>-444</td><td>-3,055</td><td>-3,059</td></tr><tr><td>Other intangible assets</td><td>-175</td><td>-229</td><td>-289</td><td>-357</td><td>-428</td></tr><tr><td>Other intangible asset deferred tax liability-1</td><td>61</td><td>80</td><td>101</td><td>125</td><td>150</td></tr><tr><td>Total tangible assets-2</td><td>$53,893</td><td>$53,227</td><td>$50,923</td><td>$51,066</td><td>$51,360</td></tr><tr><td>Tier 1 capital</td><td>$5,557</td><td>$5,022</td><td>$5,201</td><td>$5,036</td><td>$3,460</td></tr><tr><td>Preferred shareholders’ equity</td><td>-386</td><td>-363</td><td>-1,688</td><td>-1,878</td><td>—</td></tr><tr><td>Trust-preferred securities</td><td>-532</td><td>-570</td><td>-570</td><td>-736</td><td>-785</td></tr><tr><td>REIT-preferred stock</td><td>-50</td><td>-50</td><td>-50</td><td>-50</td><td>-50</td></tr><tr><td>Tier 1 common equity-2</td><td>$4,589</td><td>$4,039</td><td>$2,893</td><td>$2,372</td><td>$2,625</td></tr><tr><td>Risk-weighted assets (RWA)</td><td>$45,891</td><td>$43,471</td><td>$43,248</td><td>$46,994</td><td>$46,044</td></tr><tr><td>Tier 1 common equity / RWA ratio-2</td><td>10.00%</td><td>9.29%</td><td>6.69%</td><td>5.05%</td><td>5.70%</td></tr><tr><td>Tangible equity / tangible asset ratio-2</td><td>9.02</td><td>8.24</td><td>9.24</td><td>7.72</td><td>5.09</td></tr><tr><td>Tangible common equity / tangible asset ratio-2</td><td>8.30</td><td>7.56</td><td>5.92</td><td>4.04</td><td>5.09</td></tr><tr><td>Tangible common equity / RWA ratio-2</td><td>9.75</td><td>9.26</td><td>6.97</td><td>4.39</td><td>5.68</td></tr></table>

Question: What's the average of Commercial of At December 31, 2011, and Tier 1 capital of December 31, 2010 ?
Answer: 6514.0