Table 37 presents commercial utilized reservable criticized exposure by product type.
Criticized exposure corresponds to the Special Mention, Substandard and Doubtful asset categories as defined by regulatory authorities.
In addition to reservable loans and leases, excluding those accounted for under the fair value option, exposure includes SBLCs, financial guarantees, bankers’ acceptances and commercial letters of credit for which we are legally bound to advance funds under prescribed conditions, during a specified time period.
Although funds have not been advanced, these exposure types are considered utilized for credit risk management purposes.
Total commercial utilized reservable criticized exposure decreased $16.1 billion at December 31, 2010 compared to December 31, 2009, due to decreases across all portfolios, primarily U. S.  commercial and commercial real estate driven largely by continued paydowns, payoffs and, to a diminishing extent, charge-offs.
Despite the improvements, utilized reservable criticized levels remain elevated in commercial real estate.
At December 31, 2010, approximately 88 percent of the loans within commercial utilized reservable criticized exposure were secured.
## Table 0 ##
U. S.  Commercial At December 31, 2010, 57 percent and 25 percent of the U. S.  commercial loan portfolio, excluding small business, were included in Global Commercial Banking and GBAM.
The remaining 18 percent was mostly included in GWIM (business-purpose loans for wealthy clients).
Outstanding U. S.  commercial loans, excluding loans accounted for under the fair value option, decreased $5.8 billion primarily due to reduced customer demand and continued client utilization of the capital markets, partially offset by the adoption of new consolidation guidance which increased loans by $5.3 billion on January 1, 2010.
Compared to December 31, 2009, reservable criticized balances and nonper forming loans and leases declined $11.1 billion and $1.5 billion.
The declines were broad-based in terms of borrowers and industries and were driven by improved client credit profiles and liquidity.
Net charge-offs decreased $1.3 billion in 2010 compared to 2009.
Commercial Real Estate The commercial real estate portfolio is predominantly managed in Global Commercial Banking and consists of loans made primarily to public and private developers, homebuilders and commercial real estate firms.
Outstanding loans decreased $20.1 billion at December 31, 2010 compared to December 31, 2009 due to portfolio attrition, the sale of First Republic, transfer of certain assets to LHFS and net charge-offs.
The portfolio remains diversified across property types and geographic regions.
California represents the largest state concentration at 18 percent of commercial real estate loans and leases at December 31, 2010.
For more information on geographic and property concentrations, refer to Table 38.  Credit quality for commercial real estate is showing signs of stabilization; however, we expect that elevated unemployment and ongoing pressure on vacancy and rental rates will continue to affect primarily the non-homebuilder portfolio.
Compared to December 31, 2009, nonper forming commercial real estate loans and foreclosed properties decreased in the homebuilder, retail and land development property types, partially offset by an increase in office and multi-use property types.
Reservable criticized balances declined by $3.3 billion primarily due to stabilization in the homebuilder portfolio and retail and unsecured segments in the non-homebuilder portfolio, partially offset by continued deterioration in the multi-family rental and office property types within the non-homebuilder portfolio.
Net charge-offs decreased $685 million in 2010 compared to 2009 due to declines in the homebuilder portfolio resulting from a slower rate of declining appraisal values.
## Table 1 ##
Cash provided by operations increased 10% for the f?iscal year ended June 30, 2011 compared to the prior fiscal year.
This increase is primarily attributable to the increase in net income, which grew through continued strong organic growth and the incremental earnings provided by the fiscal 2010 acquisitions.
Cash used in investing activities for the fiscal year ended June 2011 included capital expenditures on facilities and equipment of $32,085, including computer equipment purchases and the final costs relating to the construction of our new Branson, Missouri and Springfield, Missouri facilities.
Other major uses of cash included $26,954 for the development of software.
Cash used in investing activities for the fiscal year ended June 2010 was $505,715 and includes a net cash outlay for acquisitions of $426,652, capital expenditures of $54,509, and capitalized software development of $25,586.
Net cash from financing activities for the current fiscal year includes $229,455 net repayment on our credit facilities and the payment of dividends of $34,391.
Cash used was partially offset by net proceeds of $20,359 from the exercise of stock options, the sale of common stock (through the employee stock purchase plan) and excess tax benefits from stock option exercises.
During fiscal 2010, net cash from financing activities for the current fiscal year was $294,284 and includes $303,160 net borrowing on our credit facilities, proceeds of $28,522 from the exercise of stock options and the sale of common stock (through the employee stock purchase plan) and $661 excess tax benefits from stock option exercises.
Cash from financing activities was partially offset by the payment of dividends of $30,461 and debt acquisition costs of $7,598.
At June 30, 2011, the Company had negative working capital of $26,561; however, the largest component of current liabilities was deferred revenue of $276,837, which primarily relates to our annual in-house maintenance agreements.
The cash outlay necessary to provide the services related to these deferred revenues is significantly less than this recorded balance.
In addition, we continue to have access to unused lines of credit in excess of $160,000 and continue to generate substantial cash inflows from operations.
Therefore, we do not anticipate any liquidity problems arising from this condition.
US financial markets and many of the largest US financial institutions have been shaken by negative developments over the last three years in the mortgage markets and the general economy.
While the effects of these events continue to impact our customers, we have not experienced any significant issues with our current collection efforts, and we believe that any future impact to our liquidity would be minimized by our access to available lines of credit.
The Company generally uses existing resources and funds generated from operations to meet its capital requirements.
Capital expenditures in the fiscal year were made primarily for additional equipment, new facilities, and the improvement of existing facilities.
These additions were funded from cash generated by operations.
The Board of Directors has authorized the Company to repurchase shares of its common stock.
Under this authorization, the Company may finance its share repurchases with available cash reserves of short-term borrowings on its existing credit facility.
The share repurchase program does not include specific price targets or timetables and may be suspended at any time.
At June 30, 2011, there were 14,407 shares in treasury stock and the Company had the remaining authority to repurchase up to 5,584 additional shares.
The total cost of treasury shares at June 30, 2011 is $309,585.
There were no repurchases of treasury stock in fiscal 2011 or 2010.
The increase in sales and marketing expense in fiscal 2005 compared to fiscal 2004 was primarily due to: (1) an increase of $27.8 million in variable compensation driven by shipments, higher commission rates applied to shipments beginning in fiscal 2005 and increased business performance-related compensation; (2) an increase of $4.6 million in sales and marketing personnel and related costs due to increased headcount and acquisitions during the fiscal year; and (3) an increase of $4.6 million in severance-related costs associated with a workforce reduction executed during the third and fourth quarters of fiscal 2005.
These increases were partially offset by decreases of: (1) $4.2 million as a result of a reduction in expenses for sales conferences and related meetings; (2) $1.6 million in human resources, information technology and facilities corporate allocated costs allocated to this line item compared to fiscal 2004 as a result of decreased headcount; (3) $1.2 million related to reduced depreciation to this line item; and (4) $1.0 million related to reduced travel expenses.
General and Administrative
## Table 2 ##
The increase in general and administrative expense in fiscal 2006 compared to fiscal 2005 was primarily due to: (1) recognition of $9.5 million in share-based compensation expense due to adoption of SFAS 123(R); (2) an increase of $3.1 million in facilities costs and property taxes; (3) an increase of $9.7 million in professional services expenses related to litigation matters, audit activities, Sarbanes Oxley Act compliance and tax services; (4) an increase of $3.2 million as a result of reduction in bad debt reserve taken in fiscal 2005 in excess of those taken in fiscal 2006; and (5) an increase of $2.2 million in telecommunication and networking expenses.
This increase was partially offset by a decrease of (1) $3.2 million decrease in compensation expense primarily related to reduction in headcount; (2) $2.1 million decrease in travel, employee training and functions, and other related costs; and (3) $15.4 million decrease in corporate allocated expenses, including human resources, information technology and facilities costs.
Fiscal 2004 general and administrative expenses were higher than fiscal 2005 primarily due to: (1) the $10 million merger termination fee paid to Monolithic System Technology, Inc.  (MoSys) in April 2004 in connection with termination of an acquisition agreement; (2) $5.4 million in professional service fees primarily related to litigation associated with the MoSys termination incurred in 2004; (3) $1.7 million in professional services fees incurred in connection with the proposed acquisition of MoSys expensed in the second quarter of fiscal 2004; (4) a decrease of $3.2 million in bad debt reserve in fiscal 2005 due to lower than anticipated billings and successful collection efforts; (5) a decrease of $1.9 million in facilities costs in fiscal 2005 due to closure of certain facilities; and (6) a decrease of $6.3 million in corporate allocated expenses, including human resources, information technology and facilities costs.
Lower fiscal 2005 expenses were partially offset by an increase of (1) $3.5 million in employee compensation in fiscal 2005 due to increased headcount; (2) $2.2 million in depreciation due to additional equipment and assets acquired and used this functional area; and (3) $2.7 million in consulting costs primarily related to market and internal business process analyses.
See “Functional Allocation of Operating Expenses,” above.
In-Process Research and Development In-process research and development (IPRD) expense is comprised of in-process technologies of (1) $0.8 million associated with the acquisition of HPL in fiscal 2006; (2) $5.7 million associated with the acquisition of ISE in fiscal 2005; and (3) $1.6 million associated with an immaterial acquisition in fiscal 2004.
At the date of each acquisition, the projects associated with the IPRD efforts had not yet
Five-Year Performance Comparison – The following graph provides an indicator of cumulative total shareholder returns for the Corporation as compared to the peer group index (described above), the DJ Trans, and the S&P 500.
The graph assumes that $100 was invested in the common stock of Union Pacific Corporation and each index on December 31, 2012 and that all dividends were reinvested.
The information below is historical in nature and is not necessarily indicative of future performance.

<table><tr><td></td><td colspan="4"> December 31</td></tr><tr><td></td><td colspan="2">2010</td><td colspan="2">2009</td></tr><tr><td>(Dollars in millions)</td><td> Amount</td><td>Percent -1</td><td>Amount</td><td>Percent<sup>-1</sup></td></tr><tr><td>U.S. commercial<sup>-2</sup></td><td>$17,195</td><td>7.44%</td><td>$28,259</td><td>11.77%</td></tr><tr><td>Commercial real estate</td><td>20,518</td><td>38.88</td><td>23,804</td><td>32.13</td></tr><tr><td>Commercial lease financing</td><td>1,188</td><td>5.41</td><td>2,229</td><td>10.04</td></tr><tr><td>Non-U.S.commercial</td><td>2,043</td><td>5.01</td><td>2,605</td><td>7.12</td></tr><tr><td></td><td>40,944</td><td>11.81</td><td>56,897</td><td>15.26</td></tr><tr><td>U.S. small business commercial</td><td>1,677</td><td>11.37</td><td>1,789</td><td>10.18</td></tr><tr><td> Total commercial utilized reservable criticized exposure</td><td>$42,621</td><td>11.80</td><td>$58,686</td><td>15.03</td></tr></table>
<table><tr><td></td><td colspan="3">Year ended June 30,</td></tr><tr><td></td><td> 2011</td><td>2010</td><td>2009</td></tr><tr><td>Net income</td><td> $137,471</td><td>$ 117,870</td><td>$ 103,102</td></tr><tr><td>Non-cash expenses</td><td> 116,788</td><td>92,317</td><td>74,397</td></tr><tr><td>Change in receivables</td><td> 940</td><td>-1,539</td><td>21,214</td></tr><tr><td>Change in deferred revenue</td><td> 19,487</td><td>10,775</td><td>21,943</td></tr><tr><td>Change in other assets and liabilities</td><td> -34,554</td><td>-725</td><td>-14,068</td></tr><tr><td>Net cash from operating activities</td><td> $240,132</td><td>$ 218,698</td><td>$ 206,588</td></tr></table>
<table><tr><td></td><td colspan="3">Year Ended October 31,</td><td> $ Change</td><td> % Change</td><td> $ Change</td><td> % Change</td></tr><tr><td> </td><td>2006</td><td>2005</td><td>2004</td><td colspan="2"> 2005 to 2006</td><td colspan="2"> 2004 to 2005</td></tr><tr><td> </td><td colspan="7"> (dollars in millions)</td></tr><tr><td></td><td>$112.9</td><td>$105.0</td><td>$122.5</td><td>$7.9</td><td>8%</td><td>$-17.5</td><td>-14%</td></tr><tr><td>Percentage of total revenue</td><td>10%</td><td>11%</td><td>11%</td><td></td><td></td><td></td><td></td></tr></table>

Question: What's the average of the Commercial real estate and Commercial lease financing in the year where U.S. commercia is positive? (in million)
Answer: 13016.5