NOTES TO CONSOLIDATED FINANCIAL STATEMENTS—(Continued) In connection with these Discover related purchases, we have sold the contractual rights to future commissions on Discover transactions to certain of our ISOs.
Contractual rights sold totaled $7.6 million during the year ended May 31, 2008 and $1.0 million during fiscal 2009.
Such sale proceeds are generally collected in installments over periods ranging from three to nine months.
During fiscal 2009, we collected $4.4 million of such proceeds, which are included in the Proceeds from sale of investment and contractual rights in our consolidated statement of cash flows.
We do not recognize gains on these sales of contractual rights at the time of sale.
Proceeds are deferred and recognized as a reduction of the related commission expense.
During fiscal 2009, we recognized $1.2 million of such deferred sales proceeds as Other long-term liabilities.
Other 2008 Acquisitions During fiscal 2008, we acquired a majority of the assets of Euroenvios Money Transfer, S. A.  and Euroenvios Conecta, S. L. , which we collectively refer to as LFS Spain.
LFS Spain consisted of two privatelyheld corporations engaged in money transmittal and ancillary services from Spain to settlement locations primarily in Latin America.
The purpose of the acquisition was to further our strategy of expanding our customer base and market share by opening additional branch locations.
During fiscal 2008, we acquired a series of money transfer branch locations in the United States.
The purpose of these acquisitions was to increase the market presence of our DolEx-branded money transfer offering.
The following table summarizes the preliminary purchase price allocations of all these fiscal 2008 business acquisitions (in thousands):
## Table 0 ##
The customer-related intangible assets have amortization periods of up to 14 years.
The contract-based intangible assets have amortization periods of 3 to 10 years.
These business acquisitions were not significant to our consolidated financial statements and accordingly, we have not provided pro forma information relating to these acquisitions.
In addition, during fiscal 2008, we acquired a customer list and long-term merchant referral agreement in our Canadian merchant services channel for $1.7 million.
The value assigned to the customer list of $0.1 million was expensed immediately.
The remaining value was assigned to the merchant referral agreement and is being amortized on a straight-line basis over its useful life of 10 years.
Fiscal 2007 On July 24, 2006, we completed the purchase of a fifty-six percent ownership interest in the Asia-Pacific merchant acquiring business of The Hongkong and Shanghai Banking Corporation Limited, or HSBC Asia Pacific.
This business provides card payment processing services to merchants in the Asia-Pacific region.
The
People’s United Financial, Inc.  and Subsidiaries Notes to Consolidated Financial Statements The following tables summarize, by class of loan, aging information for originated loans:
## Table 1 ##
Included in the “Current” and “30-89 Days” categories above are early non-performing commercial real estate loans, commercial and industrial loans, and equipment financing loans totaling $20.4 million, $17.3 million and $15.6 million, respectively, and $19.1 million of retail loans in foreclosure or bankruptcy.
These loans are less than 90 days past due but have been placed on non-accrual status as a result of having been identified as presenting uncertainty with respect to the collectability of interest and principal.
## Table 2 ##
Included in the “Current” and “30-89 Days” categories above are early non-performing commercial real estate loans, commercial and industrial loans, and equipment financing loans totaling $19.9 million, $16.3 million and $17.7 million, respectively, and $16.8 million of retail loans in foreclosure or bankruptcy.
These loans are less than 90 days past due but have been placed on non-accrual status as a result of having been identified as presenting uncertainty with respect to the collectability of interest and principal.
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 3 ##
Commercial Banking net income increased $13.1 million in 2013 compared to 2012.
The $14.7 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 lower interest income on acquired loans.
The $11.3 million increase in non-interest income in 2013 reflects increases in commercial banking 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 $7.0 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 $367 million compared to 2012, reflecting loan and deposit growth.
Commercial Banking net income increased $28.2 million in 2012 compared to 2011.
The $27.1 million increase in net interest income primarily reflects continued loan growth, improved spreads on commercial loans and certain commercial deposits, and the benefit from the change in FTP methodology discussed previously, partially offset by the continued negative impact of the low interest rate environment.
The $7.3 million increase in non-interest income in 2012 reflects increases in commercial banking fees and operating lease income resulting from a higher level of equipment leased to PCLC customers.
Included in non-interest income in 2012 and 2011 are net gains on sales of acquired loans totaling $1.0 million and $7.5 million, respectively.
The $9.2 million decrease in non-interest expense reflects a lower level of allocated expenses in 2012 compared to 2011, partially offset by an increase in direct expenses.
Average total assets increased $1.3 billion and average total liabilities increased $322 million in 2012 compared to 2011, reflecting loan and deposit growth, as well as loans acquired and deposits assumed in the Danvers acquisition (effective July 1, 2011).
Segment Performance Summary

Tables referenced above, in order (Table 0 first):
<table><tr><td></td><td>Total</td></tr><tr><td>Goodwill</td><td>$13,536</td></tr><tr><td>Customer-related intangible assets</td><td>4,091</td></tr><tr><td>Contract-based intangible assets</td><td>1,031</td></tr><tr><td>Property and equipment</td><td>267</td></tr><tr><td>Other current assets</td><td>502</td></tr><tr><td>Total assets acquired</td><td>19,427</td></tr><tr><td>Current liabilities</td><td>-2,347</td></tr><tr><td>Minority interest in equity of subsidiary (at historical cost)</td><td>-486</td></tr><tr><td>Net assets acquired</td><td>$16,594</td></tr></table>
<table><tr><td></td><td></td><td colspan="3">Past Due</td><td></td></tr><tr><td>As of December 31, 2013 (in millions)</td><td>Current</td><td>30-89Days</td><td>90 Daysor More</td><td>Total</td><td>TotalOriginated</td></tr><tr><td>Commercial Banking:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Commercial real estate</td><td>$8,222.5</td><td>$13.1</td><td>$50.9</td><td>$64.0</td><td>$8,286.5</td></tr><tr><td>Commercial and industrial</td><td>5,751.4</td><td>21.7</td><td>45.4</td><td>67.1</td><td>5,818.5</td></tr><tr><td>Equipment financing</td><td>2,477.6</td><td>38.9</td><td>7.6</td><td>46.5</td><td>2,524.1</td></tr><tr><td>Total</td><td>16,451.5</td><td>73.7</td><td>103.9</td><td>177.6</td><td>16,629.1</td></tr><tr><td>Retail:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Residential mortgage</td><td>4,039.4</td><td>55.1</td><td>47.6</td><td>102.7</td><td>4,142.1</td></tr><tr><td>Home equity</td><td>2,000.2</td><td>11.3</td><td>12.0</td><td>23.3</td><td>2,023.5</td></tr><tr><td>Other consumer</td><td>68.7</td><td>1.7</td><td>0.1</td><td>1.8</td><td>70.5</td></tr><tr><td>Total</td><td>6,108.3</td><td>68.1</td><td>59.7</td><td>127.8</td><td>6,236.1</td></tr><tr><td>Total originated loans</td><td>$22,559.8</td><td>$141.8</td><td>$163.6</td><td>$305.4</td><td>$22,865.2</td></tr></table>
<table><tr><td></td><td></td><td colspan="3">Past Due</td><td></td></tr><tr><td>As of December 31, 2012 (in millions)</td><td>Current</td><td>30-89Days</td><td>90 Daysor More</td><td>Total</td><td>TotalOriginated</td></tr><tr><td>Commercial Banking:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Commercial real estate</td><td>$6,160.6</td><td>$30.2</td><td>$65.3</td><td>$95.5</td><td>$6,256.1</td></tr><tr><td>Commercial and industrial</td><td>5,362.3</td><td>27.7</td><td>47.4</td><td>75.1</td><td>5,437.4</td></tr><tr><td>Equipment financing</td><td>2,159.0</td><td>33.4</td><td>9.5</td><td>42.9</td><td>2,201.9</td></tr><tr><td>Total</td><td>13,681.9</td><td>91.3</td><td>122.2</td><td>213.5</td><td>13,895.4</td></tr><tr><td>Retail:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Residential mortgage</td><td>3,415.8</td><td>60.1</td><td>55.5</td><td>115.6</td><td>3,531.4</td></tr><tr><td>Home equity</td><td>1,944.5</td><td>11.2</td><td>13.7</td><td>24.9</td><td>1,969.4</td></tr><tr><td>Other consumer</td><td>100.0</td><td>2.0</td><td>0.3</td><td>2.3</td><td>102.3</td></tr><tr><td>Total</td><td>5,460.3</td><td>73.3</td><td>69.5</td><td>142.8</td><td>5,603.1</td></tr><tr><td>Total originated loans</td><td>$19,142.2</td><td>$164.6</td><td>$191.7</td><td>$356.3</td><td>$19,498.5</td></tr></table>
<table><tr><td>Years ended December 31 (in millions)</td><td>2013</td><td>2012</td><td>2011</td></tr><tr><td>Net interest income</td><td>$484.2</td><td>$469.5</td><td>$442.4</td></tr><tr><td>Provision for loan losses</td><td>46.9</td><td>42.8</td><td>38.3</td></tr><tr><td>Total non-interest income</td><td>131.8</td><td>120.5</td><td>113.2</td></tr><tr><td>Total non-interest expense</td><td>243.3</td><td>236.3</td><td>245.5</td></tr><tr><td>Income before income tax expense</td><td>325.8</td><td>310.9</td><td>271.8</td></tr><tr><td>Income tax expense</td><td>102.4</td><td>100.6</td><td>89.7</td></tr><tr><td>Net income</td><td>$223.4</td><td>$210.3</td><td>$182.1</td></tr><tr><td>Average total assets</td><td>$16,791.0</td><td>$15,058.6</td><td>$13,713.4</td></tr><tr><td>Average total liabilities</td><td>3,382.9</td><td>3,016.4</td><td>2,694.0</td></tr></table>

Question: How many Retail exceed the average of Commercial Banking for TotalOriginated in 2012?"
Answer: 0