Please answer the given financial question based on the context.
Context: notes to consolidated financial statements 236 jpmorgan chase & co./2010 annual report the table below sets forth the accretable yield activity for the firm 2019s pci consumer loans for the years ended december 31 , 2010 , 2009 and .
|year ended december 31 , ( in millions except ratios )|year ended december 31 , 2010|year ended december 31 , 2009|2008|
|balance january 1|$ 25544|$ 32619|$ 2014|
|washington mutual acquisition|2014|2014|39454|
|accretion into interest income|-3232 ( 3232 )|-4363 ( 4363 )|-1292 ( 1292 )|
|changes in interest rates on variable rate loans|-819 ( 819 )|-4849 ( 4849 )|-5543 ( 5543 )|
|other changes in expected cash flows ( a )|-2396 ( 2396 )|2137|2014|
|balance december 31|$ 19097|$ 25544|$ 32619|
|accretable yield percentage|4.35% ( 4.35 % )|5.14% ( 5.14 % )|5.81% ( 5.81 % )|
( a ) other changes in expected cash flows may vary from period to period as the firm continues to refine its cash flow model and periodically updates model assumptions . for the years ended december 31 , 2010 and 2009 , other changes in expected cash flows were principally driven by changes in prepayment assumptions , as well as reclassification to the nonaccretable difference . such changes are expected to have an insignificant impact on the accretable yield percentage . the factors that most significantly affect estimates of gross cash flows expected to be collected , and accordingly the accretable yield balance , include : ( i ) changes in the benchmark interest rate indices for variable rate products such as option arm and home equity loans ; and ( ii ) changes in prepayment assump- tions . to date , the decrease in the accretable yield percentage has been primarily related to a decrease in interest rates on vari- able-rate loans and , to a lesser extent , extended loan liquida- tion periods . certain events , such as extended loan liquidation periods , affect the timing of expected cash flows but not the amount of cash expected to be received ( i.e. , the accretable yield balance ) . extended loan liquidation periods reduce the accretable yield percentage because the same accretable yield balance is recognized against a higher-than-expected loan balance over a longer-than-expected period of time. .
Question: what was the average balance of total pci consumer loans for the years ended december 31 , 2010 and 2009?


Answer: The answer is:22320.5