do so, CME invests such contributions in assets that mirror the assumed investment choices.
The balances in these plans are subject to the claims of general creditors of the exchange and totaled $38.7 million and $31.8 million at December 31, 2012 and 2011 respectively.
Although the value of the plans is recorded as an asset in marketable securities in the consolidated balance sheets, there is an equal and offsetting liability.
The investment results of these plans have no impact on net income as the investment results are recorded in equal amounts to both investment income and compensation and benefits expense.
Supplemental Savings Plan.
CME maintains a supplemental plan to provide benefits for employees who have been impacted by statutory limits under the provisions of the qualified pension and savings plan.
Employees in this plan are subject to the vesting requirements of the underlying qualified plans.
Deferred Compensation Plan.
A deferred compensation plan is maintained by CME, under which eligible officers and members of the board of directors may contribute a percentage of their compensation and defer income taxes thereon until the time of distribution.
COMEX Members’ Retirement Plan and Benefits.
COMEX maintains a retirement and benefit plan under the COMEX Members’ Recognition and Retention Plan (MRRP).
This plan provides benefits to certain members of the COMEX division based on long-term membership, and participation is limited to individuals who were COMEX division members prior to NYMEX’s acquisition of COMEX in 1994.
No new participants were permitted into the plan after the date of this acquisition.
Under the terms of the MRRP, the company is required to fund the plan with a minimum annual contribution of $0.8 million until it is fully funded.
All benefits to be paid under the MRRP are based on reasonable actuarial assumptions which are based upon the amounts that are available and are expected to be available to pay benefits.
Total contributions to the plan were $0.8 million for each of 2010 through 2012.
At December 31, 2012 and 2011, the obligation for the MRRP totaled $22.7 million and $21.6 million, respectively.
Assets with a fair value of $18.4 million and $17.7 million have been allocated to this plan at December 31, 2012 and 2011, respectively, and are included in marketable securities and cash and cash equivalents in the consolidated balance sheets.
The balances in these plans are subject to the claims of general creditors of COMEX.13.
COMMITMENTS Operating Leases.
CME Group has entered into various non-cancellable operating lease agreements, with the most significant being as follows: ?
In April 2012, the company sold two buildings in Chicago at 141 W.  Jackson and leased back a portion of the property.
The operating lease, which has an initial lease term ending on April 30, 2027, contains four consecutive renewal options for five years.  ?
In January 2011, the company entered into an operating lease for office space in London.
The initial lease term, which became effective on January 20, 2011, terminates on March 24, 2026, with an option to terminate without penalty in January 2021.  ?
In July 2008, the company renegotiated the operating lease for its headquarters at 20 South Wacker Drive in Chicago.
The lease, which has an initial term ending on November 30, 2022, contains two consecutive renewal options for seven and ten years and a contraction option which allows the company to reduce its occupied space after November 30, 2018.
In addition, the company may exercise a lease expansion option in December 2017.  ?
In August 2006, the company entered into an operating lease for additional office space in Chicago.
The initial lease term, which became effective on August 10, 2006, terminates on November 30, 2023.
The lease contains two 5-year renewal options beginning in 2023.
At December 31, 2012, future minimum payments under non-cancellable operating leases were payable as follows (in millions):
## Table 0 ##
Commercial Banking consists principally of commercial real estate lending, commercial and industrial lending, and commercial deposit gathering activities.
This segment also includes the equipment financing operations of PCLC and PUEFC, as well as cash management, correspondent banking and municipal banking.
In addition, Commercial Banking consists of institutional trust services, corporate trust, insurance services provided through PUIA and private banking.
## Table 1 ##
Commercial Banking net income decreased $7.8 million in 2014 compared to 2013, as an increase in net interest income was more than offset by lower non-interest income and an increase in non-interest expense.
The $14.2 million increase in net interest income primarily reflects continued loan growth and lower net FTP funding charges, partially offset by continued repricing pressure within the loan portfolio, including the pay-off of higher-yielding loans, new loan originations at rates lower than the existing portfolio and declining interest income on acquired loans.
Included in non-interest income in 2014 and 2013 are net (losses) gains on sales of acquired loans totaling $(0.9) million and $5.7 million, respectively.
Excluding these net (losses) gains, non-interest income increased $4.2 million in 2014, primarily reflecting increases in operating lease income resulting from a higher level of equipment leases to PCLC customers and trust-related income, partially offset by a decrease in lending fees and customer interest rate swap income.
The $20.9 million increase in non-interest expense in 2014 reflects higher levels of direct (including operating lease expense) and allocated expenses.
Average total assets increased $2.1 billion and average total liabilities increased $715 million compared to 2013, reflecting loan and deposit growth.
Commercial Banking net income increased $17.9 million in 2013 compared to 2012.
The $14.9 million increase in net interest income primarily reflects continued loan growth and lower FTP funding charges, partially offset by continued repricing pressure within the loan portfolio, including the pay-off of higher-yielding loans, new loan originations at lower yields and declining interest income on acquired loans.
The $18.7 million increase in non-interest income in 2013 primarily reflects increases in customer interest rate swap income, commercial banking lending fees and operating lease income resulting from a higher level of equipment leased to PCLC customers.
Included in non-interest income in 2013 and 2012 are net gains on sales of acquired loans totaling $5.7 million and $1.0 million, respectively.
The $4.7 million increase in non-interest expense in 2013 reflects a higher level of direct expenses primarily due to increased operating lease expense, partially offset by a decrease in allocated expenses in 2013 compared to 2012.
Average total assets increased $1.7 billion and average total liabilities increased $368 million compared to 2012, reflecting loan and deposit growth.
People’s United Financial, Inc.  and Subsidiaries Notes to Consolidated Financial Statements Restricted Stock Awarded The following is a summary of restricted stock award activity under the Incentive Plans and the RRP:
## Table 2 ##
Expense relating to unvested restricted stock awards is recognized on a straight-line basis, generally over the applicable service period, and totaled $9.4 million, $8.7 million and $8.8 million for the years ended December 31, 2015, 2014 and 2013, respectively.
Unamortized cost for unvested restricted stock awards, which reflects an estimated forfeiture rate of 5.1% per year over the vesting period, totaled $9.4 million at December 31, 2015, and is expected to be recognized over the remaining weighted-average vesting period of 1.5 years.
The total fair value of restricted stock awards vested during the years ended December 31, 2015, 2014 and 2013 was $9.4 million, $10.3 million and $9.4 million, respectively.
During 2015, 2014 and 2013, employees of People’s United tendered a total of 230,459 shares, 229,635 shares and 205,943 shares of common stock, respectively, in satisfaction of their related minimum tax withholding obligations upon the vesting of restricted stock awards granted in prior periods and/or in payment of the exercise price and satisfaction of their related minimum tax withholding obligations upon the exercise of stock options granted in prior periods.
There is no limit on the number of shares that may be tendered by employees of People’s United in the future for these purposes.
Shares acquired in payment of the stock option exercise price or in satisfaction of minimum tax withholding obligations are not eligible for reissuance in connection with any subsequent grants made pursuant to equity compensation plans maintained by People’s United.
Rather, all shares acquired in this manner are retired by People’s United, resuming the status of authorized but unissued shares of People’s United’s common stock.
The total cost of shares repurchased and retired applicable to restricted stock awards during the years ended December 31, 2015, 2014 and 2013 was $3.2 million, $3.0 million and $2.2 million, respectively.
Directors’ Equity Compensation Plan The People’s United Financial, Inc.  Directors’ Equity Compensation Plan (the “Directors’ Plan”) provides for an annual award of shares of People’s United common stock with a fair value of approximately $95,000 to each non-employee director immediately following each annual meeting of shareholders.
Shares of People’s United common stock issued pursuant to the Directors’ Plan are subject to a one-year vesting period, with no post-vesting transfer restrictions.
A total of 1,192,500 shares of People’s United common stock are reserved for issuance under the Directors’ Plan.
Non-Performing Assets
## Table 3 ##
(1) Reported net of government guarantees totaling $16.9 million, $17.6 million, $19.4 million, $9.7 million and $12.1 million at December 31, 2015, 2014, 2013, 2012 and 2011, respectively.
These government guarantees relate, almost entirely, to guarantees provided by the Small Business Administration as well as selected other Federal agencies and represent the carrying value of the loans that are covered by such guarantees, the extent of which (i. e.  full or partial) varies by loan.
At December 31, 2015, the principal loan classes to which these government guarantees relate are commercial and industrial loans (99%) and commercial real estate loans (1%).
The preceding table excludes acquired loans that are (i) accounted for as purchased credit impaired loans or (ii) covered by an FDIC loss-share agreement (“LSA”) totaling: $27.7 million and $2.3 million, respectively, at December 31, 2015; $100.6 million and $3.0 million, respectively, at December 31, 2014; $138.0 million and $4.5 million, respectively, at December 31, 2013; $173.6 million and $8.0 million, respectively, at December 31, 2012; and $235.2 million and $13.8 million, respectively, at December 31, 2011.
Such loans otherwise meet People’s United’s definition of a non-performing loan but are excluded because the loans are included in loan pools that are considered performing and/or credit losses are covered by an FDIC LSA.
The discounts arising from recording these loans at fair value were due, in part, to credit quality.
The acquired loans are generally accounted for on a pool basis and the accretable yield on the pools is being recognized as interest income over the life of the loans based on expected cash flows at the pool level.

<table><tr><td>2013</td><td>$28.7</td></tr><tr><td>2014</td><td>29.1</td></tr><tr><td>2015</td><td>28.9</td></tr><tr><td>2016</td><td>28.9</td></tr><tr><td>2017</td><td>29.3</td></tr><tr><td>Thereafter</td><td>152.9</td></tr><tr><td>Total</td><td>$297.8</td></tr></table>
<table><tr><td>Years ended December 31 (in millions)</td><td>2014</td><td>2013</td><td>2012</td></tr><tr><td>Net interest income</td><td>$498.4</td><td>$484.2</td><td>$469.3</td></tr><tr><td>Provision for loan losses</td><td>46.0</td><td>46.9</td><td>42.7</td></tr><tr><td>Total non-interest income</td><td>140.2</td><td>142.6</td><td>123.9</td></tr><tr><td>Total non-interest expense</td><td>264.6</td><td>243.7</td><td>239.0</td></tr><tr><td>Income before income tax expense</td><td>328.0</td><td>336.2</td><td>311.5</td></tr><tr><td>Income tax expense</td><td>111.0</td><td>111.4</td><td>104.6</td></tr><tr><td>Net income</td><td>$217.0</td><td>$224.8</td><td>$206.9</td></tr><tr><td>Average total assets</td><td>$18,938.8</td><td>$16,869.4</td><td>$15,131.8</td></tr><tr><td>Average total liabilities</td><td>4,166.7</td><td>3,451.7</td><td>3,083.8</td></tr></table>
<table><tr><td></td><td>Shares</td><td>Weighted-AverageGrant DateFair Value</td></tr><tr><td>Unvested restricted shares outstanding at December 31, 2012</td><td>1,581,421</td><td>$13.48</td></tr><tr><td>Granted</td><td>617,796</td><td>13.15</td></tr><tr><td>Forfeited</td><td>-44,046</td><td>12.85</td></tr><tr><td>Vested</td><td>-621,956</td><td>14.08</td></tr><tr><td>Unvested restricted shares outstanding at December 31, 2013</td><td>1,533,215</td><td>13.12</td></tr><tr><td>Granted</td><td>660,617</td><td>14.01</td></tr><tr><td>Forfeited</td><td>-95,700</td><td>13.53</td></tr><tr><td>Vested</td><td>-730,600</td><td>13.22</td></tr><tr><td>Unvested restricted shares outstanding at December 31, 2014</td><td>1,367,532</td><td>13.47</td></tr><tr><td>Granted</td><td>568,273</td><td>14.88</td></tr><tr><td>Forfeited</td><td>-80,303</td><td>14.23</td></tr><tr><td>Vested</td><td>-623,185</td><td>13.33</td></tr><tr><td>Unvested restricted shares outstanding at December 31, 2015</td><td>1,232,317</td><td>$14.14</td></tr></table>
<table><tr><td>As of December 31 (dollars in millions)</td><td>2015</td><td>2014</td><td>2013</td><td>2012</td><td>2011</td></tr><tr><td>Originated non-performing loans:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Commercial:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Commercial and industrial</td><td>$44.9</td><td>$55.8</td><td>$43.8</td><td>$54.8</td><td>$59.2</td></tr><tr><td>Commercial real estate</td><td>30.2</td><td>60.2</td><td>70.8</td><td>84.4</td><td>106.7</td></tr><tr><td>Equipment financing</td><td>27.5</td><td>25.4</td><td>23.2</td><td>27.2</td><td>42.9</td></tr><tr><td>Total</td><td>102.6</td><td>141.4</td><td>137.8</td><td>166.4</td><td>208.8</td></tr><tr><td>Retail:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Residential mortgage</td><td>37.2</td><td>37.6</td><td>58.9</td><td>65.0</td><td>68.9</td></tr><tr><td>Home equity</td><td>19.5</td><td>17.9</td><td>19.8</td><td>21.0</td><td>15.8</td></tr><tr><td>Other consumer</td><td>0.1</td><td>0.1</td><td>0.1</td><td>0.3</td><td>0.3</td></tr><tr><td>Total</td><td>56.8</td><td>55.6</td><td>78.8</td><td>86.3</td><td>85.0</td></tr><tr><td>Total originated non-performing loans -1</td><td>159.4</td><td>197.0</td><td>216.6</td><td>252.7</td><td>293.8</td></tr><tr><td>REO:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Residential</td><td>7.1</td><td>13.6</td><td>13.6</td><td>17.2</td><td>10.9</td></tr><tr><td>Commercial</td><td>5.5</td><td>11.0</td><td>13.1</td><td>11.4</td><td>15.9</td></tr><tr><td>Total REO</td><td>12.6</td><td>24.6</td><td>26.7</td><td>28.6</td><td>26.8</td></tr><tr><td>Repossessed assets</td><td>9.5</td><td>2.5</td><td>4.5</td><td>8.3</td><td>16.1</td></tr><tr><td>Total non-performing assets</td><td>$181.5</td><td>$224.1</td><td>$247.8</td><td>$289.6</td><td>$336.7</td></tr><tr><td>Originated non-performing loans as a percentage of originated loans</td><td>0.58%</td><td>0.77%</td><td>0.95%</td><td>1.30%</td><td>1.75%</td></tr><tr><td>Non-performing assets as a percentage of:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Originated loans, REO and repossessed assets</td><td>0.66</td><td>0.88</td><td>1.08</td><td>1.48</td><td>2.00</td></tr><tr><td>Tangible stockholders’ equity and originated allowance for loan losses</td><td>6.38</td><td>8.24</td><td>9.47</td><td>9.45</td><td>10.47</td></tr></table>

Question: What will Home equity be like in 2015 if it develops with the same increasing rate as current? (in million)
Answer: 21.24302