Table 7 Five Year Summary of Selected Financial Data
## Table 0 ##
(1) Excludes merger and restructuring charges and goodwill impairment charges.
(2) Due to a net loss applicable to common shareholders for 2010 and 2009, the impact of antidilutive equity instruments was excluded from diluted earnings (loss) per share and average diluted common shares.
(3) Tangible equity ratios and tangible book value per share of common stock are non-GAAP financial measures.
Other companies may define or calculate these measures differently.
For additional information on these ratios and corresponding reconciliations to GAAP financial measures, see Supplemental Financial Data on page 32 and Table XV.
(4) For more information on the impact of the PCI loan portfolio on asset quality, see Consumer Portfolio Credit Risk Management on page 75 and Commercial Portfolio Credit Risk Management on page 88.
(5) Includes the allowance for loan and lease losses and the reserve for unfunded lending commitments.
(6) Balances and ratios do not include loans accounted for under the fair value option.
For additional exclusions on nonperforming loans, leases and foreclosed properties, see Nonperforming Consumer Loans and Foreclosed Properties Activity on page 86 and corresponding Table 36 and Nonperforming Commercial Loans, Leases and Foreclosed Properties Activity on page 94 and corresponding Table 45.
(7) Amounts included in allowance that are excluded from nonperforming loans primarily include amounts allocated to Card Services portfolios, PCI loans and the non-U.
S.  credit card portfolio in All Other.
n/m = not meaningful n/a = not applicable
During the twelve months ended December 31, 2017, 2016 and 2015, we paid cash dividends to Equifax shareholders of $187.4 million, $157.6 million and $137.8 million, respectively, at $1.56 per share for 2017, $1.32 per share for 2016 and $1.16 per share for 2015.
We anticipate continuing the payment of quarterly cash dividends.
The actual amount of such dividends is subject to declaration by our Board of Directors and will depend upon future earnings, results of operations, capital requirements, our financial condition and other relevant factors.
There can be no assurance that the Company will continue to pay quarterly cash dividends at current levels or at all.
Contractual Obligations and Commercial Commitments The following table summarizes our significant contractual obligations and commitments as of December 31, 2017.
The table excludes commitments that are contingent based on events or factors uncertain at this time.
Some of the excluded commitments are discussed below the footnotes to the table.
## Table 1 ##
(1) The amounts are gross of unamortized discounts totaling $11.0 million at December 31, 2017.
Total debt on our Consolidated Balance Sheets is net of the unamortized discounts and fair value adjustments.
There were no fair value adjustments to our debt at December 31, 2017.
(2) Our operating lease obligations principally involve office space and equipment, which include the ground lease associated with our headquarters building that expires in 2048.
(3) These agreements primarily represent our minimum contractual obligations for services that we outsource associated with our computer data processing operations and related functions, and certain administrative functions.
These agreements expire between 2018 and 2022.
(4) These long-term liabilities primarily relate to obligations associated with certain pension, postretirement and other compensation-related plans, some of which are discounted in accordance with U. S.  generally accepted accounting principles, or GAAP.
We made certain assumptions about the timing of such future payments.
In the table above, we have not included amounts related to future pension plan obligations, as such required funding amounts beyond 2018 have not been deemed necessary due to our current expectations regarding future plan asset performance.
(5) This table excludes $38.0 million of unrecognized tax benefits, including interest and penalties, as we cannot make a reasonably reliable estimate of the period of cash settlement with the respective taxing authorities.
(6) As a result of the cybersecurity incident, we offered free credit file monitoring and identity theft protection to all U. S.  consumers.
We have recorded the expenses necessary to provide this service to those who signed up by the January 31, 2018 deadline.
The amount above represents the remaining obligation associated with these expenses.
(7) For future interest payments on variable-rate debt, which are generally based on a specified margin plus a base rate (LIBOR) or on CP, the Revolver and Term Loan rates for investment grade issuers, we used the variable rate in effect at December 31, 2017 to calculate these payments.
Our variable rate debt at December 31, 2017, consisted of CP, the
Entergy Corporation and Subsidiaries Notes to Financial Statements equitable discretion and not require refunds for the 20-month period from September 13, 2001 - May 2, 2003.
Because the ruling on refunds relied on findings in the interruptible load proceeding, which is discussed in a separate section below, the FERC concluded that the refund ruling will be held in abeyance pending the outcome of the rehearing requests in that proceeding.
On the second issue, the FERC reversed its prior decision and ordered that the prospective bandwidth remedy begin on June 1, 2005 (the date of its initial order in the proceeding) rather than January 1, 2006, as it had previously ordered.
Pursuant to the October 2011 order, Entergy was required to calculate the additional bandwidth payments for the period June - December 2005 utilizing the bandwidth formula tariff prescribed by the FERC that was filed in a December 2006 compliance filing and accepted by the FERC in an April 2007 order.
As is the case with bandwidth remedy payments, these payments and receipts will ultimately be paid by Utility operating company customers to other Utility operating company customers.
In December 2011, Entergy filed with the FERC its compliance filing that provides the payments and receipts among the Utility operating companies pursuant to the FERC’s October 2011 order.
The filing shows the following payments/receipts among the Utility operating companies:
## Table 2 ##
Entergy Arkansas made its payment in January 2012.
In February 2012, Entergy Arkansas filed for an interim adjustment to its production cost allocation rider requesting that the $156 million payment be collected from customers over the 22-month period from March 2012 through December 2013.
In March 2012 the APSC issued an order stating that the payment can be recovered from retail customers through the production cost allocation rider, subject to refund.
The LPSC and the APSC have requested rehearing of the FERC’s October 2011 order.
In December 2013 the LPSC filed a petition for a writ of mandamus at the United States Court of Appeals for the D. C.  Circuit.
In its petition, the LPSC requested that the D. C.  Circuit issue an order compelling the FERC to issue a final order on pending rehearing requests.
In its response to the LPSC petition, the FERC committed to rule on the pending rehearing request before the end of February.
In January 2014 the D. C.  Circuit denied the LPSC's petition.
The APSC, the LPSC, the PUCT, and other parties intervened in the December 2011 compliance filing proceeding, and the APSC and the LPSC also filed protests.
Calendar Year 2013 Production Costs The liabilities and assets for the preliminary estimate of the payments and receipts required to implement the FERC’s remedy based on calendar year 2013 production costs were recorded in December 2013, based on certain year-to-date information.
The preliminary estimate was recorded based on the following estimate of the payments/receipts among the Utility operating companies for 2014.
competition are rent charged, attractiveness of location, the quality of the property and breadth and quality of services provided.
Our success depends upon, among other factors, trends of the national, regional and local economies, financial condition and operating results of current and prospective tenants and customers, availability and cost of capital, construction and renovation costs, taxes, governmental regulations, legislation and population trends.
We may incur costs to comply with environmental laws.
Our operations and properties are subject to various federal, state and local laws and regulations concerning the protection of the environment, including air and water quality, hazardous or toxic substances and health and safety.
Under some environmental laws, a current or previous owner or operator of real estate may be required to investigate and clean up hazardous or toxic substances released at a property.
The owner or operator may also be held liable to a governmental entity or to third parties for property damage or personal injuries and for investigation and clean-up costs incurred by those parties because of the contamination.
These laws often impose liability without regard to whether the owner or operator knew of the release of the substances or caused the release.
The presence of contamination or the failure to remediate contamination may impair our ability to sell or lease real estate or to borrow using the real estate as collateral.
Other laws and regulations govern indoor and outdoor air quality including those that can require the abatement or removal of asbestos-containing materials in the event of damage, demolition, renovation or remodeling and also govern emissions of and exposure to asbestos fibers in the air.
The maintenance and removal of lead paint and certain electrical equipment containing polychlorinated biphenyls (PCBs) and underground storage tanks are also regulated by federal and state laws.
We are also subject to risks associated with human exposure to chemical or biological contaminants such as molds, pollens, viruses and bacteria which, above certain levels, can be alleged to be connected to allergic or other health effects and symptoms in susceptible individuals.
We could incur fines for environmental compliance and be held liable for the costs of remedial action with respect to the foregoing regulated substances or tanks or related claims arising out of environmental contamination or human exposure at or from our properties.
Each of our properties has been subjected to varying degrees of environmental assessment.
The environmental assessments did not, as of this date, reveal any environmental condition material to our business.
However, identification of new compliance concerns or undiscovered areas of contamination, changes in the extent or known scope of contamination, discovery of additional sites, human exposure to the contamination or changes in cleanup or compliance requirements could result in significant costs to us.
Some of our potential losses may not be covered by insurance.
We carry commercial liability and all risk property insurance ((i) fire, (ii) flood, (iii) extended coverage, (iv) “acts of terrorism” as defined in the Terrorism Risk Insurance Extension Act of 2005, which expires in 2007 and (v) rental loss insurance) with respect to our assets.
Below is a summary of the current all risk property insurance and terrorism risk insurance in effect through September 2007 for each of the following business segments:

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Table 7	Five Year Summary of Selected Financial Data
(In millions, except per share information)	2011	2010	2009	2008	2007
Income statement
Net interest income	$44,616	$51,523	$47,109	$45,360	$34,441
Noninterest income	48,838	58,697	72,534	27,422	32,392
Total revenue, net of interest expense	93,454	110,220	119,643	72,782	66,833
Provision for credit losses	13,410	28,435	48,570	26,825	8,385
Goodwill impairment	3,184	12,400	—	—	—
Merger and restructuring charges	638	1,820	2,721	935	410
All other noninterest expense-1	76,452	68,888	63,992	40,594	37,114
Income (loss) before income taxes	-230	-1,323	4,360	4,428	20,924
Income tax expense (benefit)	-1,676	915	-1,916	420	5,942
Net income (loss)	1,446	-2,238	6,276	4,008	14,982
Net income (loss) applicable to common shareholders	85	-3,595	-2,204	2,556	14,800
Average common shares issued and outstanding	10,143	9,790	7,729	4,592	4,424
Average diluted common shares issued and outstanding-2	10,255	9,790	7,729	4,596	4,463
Performance ratios
Return on average assets	0.06%	n/m	0.26%	0.22%	0.94%
Return on average common shareholders’ equity	0.04	n/m	n/m	1.80	11.08
Return on average tangible common shareholders’ equity-3	0.06	n/m	n/m	4.72	26.19
Return on average tangible shareholders’ equity-3	0.96	n/m	4.18	5.19	25.13
Total ending equity to total ending assets	10.81	10.08%	10.38	9.74	8.56
Total average equity to total average assets	9.98	9.56	10.01	8.94	8.53
Dividend payout	n/m	n/m	n/m	n/m	72.26
Per common share data
Earnings (loss)	$0.01	$-0.37	$-0.29	$0.54	$3.32
Diluted earnings (loss)(2)	0.01	-0.37	-0.29	0.54	3.29
Dividends paid	0.04	0.04	0.04	2.24	2.40
Book value	20.09	20.99	21.48	27.77	32.09
Tangible book value-3	12.95	12.98	11.94	10.11	12.71
Market price per share of common stock
Closing	$5.56	$13.34	$15.06	$14.08	$41.26
High closing	15.25	19.48	18.59	45.03	54.05
Low closing	4.99	10.95	3.14	11.25	41.10
Market capitalization	$58,580	$134,536	$130,273	$70,645	$183,107
Average balance sheet
Total loans and leases	$938,096	$958,331	$948,805	$910,871	$776,154
Total assets	2,296,322	2,439,606	2,443,068	1,843,985	1,602,073
Total deposits	1,035,802	988,586	980,966	831,157	717,182
Long-term debt	421,229	490,497	446,634	231,235	169,855
Common shareholders’ equity	211,709	212,686	182,288	141,638	133,555
Total shareholders’ equity	229,095	233,235	244,645	164,831	136,662
Asset quality-4
Allowance for credit losses-5	$34,497	$43,073	$38,687	$23,492	$12,106
Nonperforming loans, leases and foreclosed properties-6	27,708	32,664	35,747	18,212	5,948
Allowance for loan and lease losses as a percentage of total loans and leases outstanding-6	3.68%	4.47%	4.16%	2.49%	1.33%
Allowance for loan and lease losses as a percentage of total nonperforming loans and leases-6	135	136	111	141	207
Allowance for loan and lease losses as a percentage of total nonperforming loans and leasesexcluding the PCI loan portfolio-6	101	116	99	136	n/a
Amounts included in allowance that are excluded from nonperforming loans-7	$17,490	$22,908	$17,690	$11,679	$6,520
Allowances as a percentage of total nonperforming loans and leases excluding the amountsincluded in the allowance that are excluded from nonperforming loans-7	65%	62%	58%	70%	91%
Net charge-offs	$20,833	$34,334	$33,688	$16,231	$6,480
Net charge-offs as a percentage of average loans and leases outstanding-6	2.24%	3.60%	3.58%	1.79%	0.84%
Nonperforming loans and leases as a percentage of total loans and leases outstanding-6	2.74	3.27	3.75	1.77	0.64
Nonperforming loans, leases and foreclosed properties as a percentage of total loans, leasesand foreclosed properties-6	3.01	3.48	3.98	1.96	0.68
Ratio of the allowance for loan and lease losses at December 31 to net charge-offs	1.62	1.22	1.10	1.42	1.79
Capital ratios (year end)
Risk-based capital:
Tier 1 common	9.86%	8.60%	7.81%	4.80%	4.93%
Tier 1	12.40	11.24	10.40	9.15	6.87
Total	16.75	15.77	14.66	13.00	11.02
Tier 1 leverage	7.53	7.21	6.88	6.44	5.04
Tangible equity-3	7.54	6.75	6.40	5.11	3.73
Tangible common equity-3	6.64	5.99	5.56	2.93	3.46

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Payments due by
Total	Less than 1 year	1 to 3 years	3 to 5 years	Thereafter
(In millions)
Debt (including capitalized lease obligation)(1)	$2,715.3	$965.3	$100.0	$1,000.0	$650.0
Operating leases-2	150.0	27.3	38.9	28.6	55.2
Data processing, outsourcing agreements and other purchase obligations-3	157.1	85.4	41.3	14.0	16.4
Other long-term liabilities-4 (5)	143.2	9.1	18.1	18.9	97.1
Product liability related to cybersecurity incident-6	27.1	27.1	—	—	—
Interest payments-7	647.3	75.4	131.2	108.9	331.8
$3,840.0	$1,189.6	$329.5	$1,170.4	$1,150.5

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Payments(Receipts) (In Millions)
Entergy Arkansas	$156
Entergy Gulf States Louisiana	-$75
Entergy Louisiana	$—
Entergy Mississippi	-$33
Entergy New Orleans	-$5
Entergy Texas	-$43

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Question: What is the sum of Noninterest income in 2010 and Interest payments-7 of Thereafter for Payments due by? (in million)
Answer: 59028.8