The obligations of each borrower under the respective 2010 Credit Agreements to which it is a party are several and not joint, and, except under limited circumstances relating to expenses and indemnities, the obligations of Ameren Missouri, Ameren Illinois and Genco under the respective 2010 Credit Agreements are not guaranteed by Ameren or any other subsidiary of Ameren.
The maximum aggregate amount available to each borrower under each facility is shown in the following table (such amount being such borrower’s “Borrowing Sublimit”):
## Table 0 ##
(a) Not applicable.
Ameren has the option to seek additional commitments from existing or new lenders to increase the total facility size of the 2010 Credit Agreements to the following maximum amounts: 2010 Missouri Credit Agreement – $1.0 billion; 2010 Genco Credit Agreement – $625 million; and 2010 Illinois Credit Agreement – $1.0 billion.
Each of the 2010 Credit Agreements will mature and expire on September 10, 2013.
In February 2011, Ameren Illinois received approval from the ICC to extend the expiration of its Borrowing Sublimit under the 2010 Illinois Credit Agreement to September 10, 2013.
In June 2011, Ameren Missouri received approval from the MoPSC to extend the expiration of its borrowing sublimit under the 2010 Missouri Credit Agreement to September 10, 2013.
The principal amount of each revolving loan owed by a borrower under any of the 2010 Credit Agreements to which it is a party will be due and payable no later than September 10, 2013.
The obligations of all borrowers under the 2010 Credit Agreements are unsecured.
Loans are available on a revolving basis under each of the 2010 Credit Agreements and may be repaid and, subject to satisfaction of the conditions to borrowing, reborrowed from time to time.
At the election of each borrower, the interest rates on such loans will be the alternate base rate (ABR) plus the margin applicable to the particular borrower and/or the eurodollar rate plus the margin applicable to the particular borrower.
The applicable margins will be determined by the borrower’s long-term unsecured credit ratings or, if no such ratings are then in effect, the borrower’s corporate/issuer ratings then in effect.
Letters of credit in an aggregate undrawn face amount not to exceed 25% of the applicable aggregate commitment under the respective 2010 Credit Agreements are also available for issuance for the account of the borrowers thereunder (but within the $2.1 billion overall combined facility borrowing limitations of the 2010 Credit Agreements).
The 2010 Credit Agreements are used to borrow cash, to issue letters of credit, and to support borrowings under Ameren’s $500 million commercial paper program, Ameren Missouri’s $500 million commercial paper program and Ameren Illinois’ $500 million commercial paper program.
Any of the 2010 Credit Agreements are available to Ameren to support borrowings under Ameren’s commercial paper program, subject to borrowing sublimits.
The 2010 Missouri Credit Agreement is available to support borrowings under Ameren Missouri’s commercial paper program, and the 2010 Illinois Credit Agreement is available to support borrowings under Ameren Illinois’ commercial paper program.
At December 31, 2011, Ameren had $148 million of commercial paper outstanding and $15 million of letters of credit outstanding, and Ameren Missouri and Ameren Illinois had no commercial paper or letters of credit outstanding.
Based on outstanding borrowings and letters of credit issued under the 2010 Credit Agreements as of December 31, 2011, as well as commercial paper outstanding as of such date, the aggregate amount of credit capacity available under the 2010 Credit Agreements at December 31, 2011, was $1.9 billion.
$20 Million Credit Facility (Terminated) On June 2, 2010, Ameren entered into a $20 million revolving credit facility ($20 Million Facility).
Borrowings under the $20 Million Facility incurred interest at a rate equal to the applicable LIBOR plus 2.25% per annum.
The obligations of Ameren under the $20 Million Facility were unsecured.
No subsidiary of Ameren was a party to, guarantor of, or borrower under the facility.
Ameren had no outstanding borrowings under the facility as of December 31, 2011.
Ameren terminated the $20 Million Facility in January 2012.
During the years ended December 31, 2011 and 2010, Ameren had average daily balances outstanding of $20 million, with a weightedaverage interest rate of 2.48% and 2.54%, respectively.
Commercial Paper At December 31, 2011, and 2010, Ameren had $148 million and $269 million of commercial paper outstanding, respectively.
During the years ended December 31, 2011 and 2010, Ameren had average daily commercial paper balances outstanding of $311 million and $185 million with a weighted-average interest rate of 0.87% and 0.94%, respectively.
The peak short-term commercial paper outstanding during the years ended December 31, 2011, and 2010 were $435 million and $366 million,
CITIZENS FINANCIAL GROUP, INC.  MANAGEMENT?S DISCUSSION AND ANALYSIS 64 Commercial Banking
## Table 1 ##
(1) Includes loans held for sale.
(2) We revised our method of calculating the loans-to-deposits ratio in third quarter 2018 to exclude loans held for sale.
Prior periods have been adjusted to conform with the current period presentation.
Commercial Banking net income of $774 million increased $143 million, or 23%, from $631 million in the year ended 2016, as the benefit of a $195 million increase in total revenue and a $28 million decrease in provision for credit losses was partially offset by a $31 million increase in noninterest expense.
Net interest income of $1.4 billion increased $123 million, or 10%, from $1.3 billion in the year ended 2016, reflecting a $2.8 billion increase in average loans and leases, improved loan and deposit spreads, and a $3.2 billion increase in average deposits.
Noninterest income of $538 million increased $72 million, or 15%, from $466 million in the year ended 2016, reflecting strength in capital markets, letter of credit and loan fees, card fees and foreign exchange and interest rate products, partially offset by runoff of theAsset Finance portfolio.
Noninterest expense of $772 million increased $31 million, or 4%, from $741 million in the year ended 2016, largely driven by higher salaries and employee benefits, FDIC expense, software amortization and equipment expense, partially offset by a reduction in outside services.
Provision for credit losses of $19 million decreased $28 million from the year ended 2016, driven by lower net charge- offs in 2016
commercial printing segment is also dependent on corporate advertising and promotional spending.
Distribution earnings and cash flows are generally stable.
Providing customers with the best choice and value in both products and supply chain services is a key competitive factor.
Additionally, efficient customer service, costeffective logistics, and focused working capital management are key factors in this segment’s profitability.
## Table 2 ##
Distribution’s 2005 net sales increased 5% from 2004 and 9% from 2003.
Operating profits in 2005 were 3% lower than 2004, but were 5% higher than 2003.
Sales rose, in part, as a result of higher average sales prices for paper, tissue and packaging products.
Sales volumes for packaging and facility supplies increased due to xpedx’s increasing success in positioning itself as a national service provider to other distributors, manufacturers and retailers.
While revenues increased in 2005, operating profits decreased, reflecting increased expenses associated with initiatives targeting further penetration of faster-growing market segments and costs of facility realignments to improve the ongoing efficiency of the xpedx distribution system.
The outlook for Distribution for 2006 is favorable.
Average sales prices and margins are expected to remain at or above 2005 levels, and additional market penetration is targeted in the printing, manufacturing, redistribution and retail segments.
Additional benefits are also expected from prior-year programs to further reduce operating costs.
Forest Products Forest Products manages approximately 6.5 million acres of forestlands in the United States, and operates wood products plants in the United States that produce lumber, plywood, engineered wood products and utility poles.
Forest Resources operating results are largely driven by demand and pricing for softwood sawtimber, and to a lesser extent for softwood pulpwood, by the volume of merchantable timber available to be harvested from Company forestlands, and by demand and pricing for specific forestland tracts offered for sale.
Wood Products operating results are driven by new housing starts and repair and remodeling activity.
Fiber costs are a major factor in Wood Products profitability.
Forest Products net sales for 2005 were up 7% compared with both 2004 and 2003.
Operating profits in 2005 were 17% and 29% higher than in 2004 and 2003, respectively.
Earnings in 2005 compared with 2004 reflected higher earnings from forestland and real estate sales ($159 million) and decreased forestland operating expenses ($32 million); partially offset by reduced harvest and recreational income ($12 million), and lower Wood Products earnings ($45 million) due principally to higher raw material costs.
## Table 3 ##
Forest Resources sales in 2005 were $1.0 billion compared with $900 million in 2004 and $1.1 billion in 2003.
Operating profits in 2005 were 33% higher than in 2004 and 12% higher than in 2003, primarily due to higher forestland sales.
Operating profits from stumpage sales and recreational income were $269 million in 2005, compared with $281 million in 2004 and $268 million in 2003.
Harvest volumes declined 13% in 2005 compared with 2004, and 20% from 2003, reflecting a lower inventory of mature sawtimber in 2005.
Sawtimber prices were up 9% compared to both 2003 and 2004.
Operating profits from forestland sales were $400 million in 2005 compared with $315 million in 2004 and $462 million in 2003, reflecting fewer acres sold but higher sales prices per acre.
Operating expenses decreased to $146 million in 2005 from $178 million in 2004 and $157 million in 2003, reflecting the effects of restructuring efforts and cost reduction initiatives.
Operating profits for the Real Estate division, which principally sells higher-and-better use properties, were $198 million, $124 million and $71 million in 2005, 2004 and 2003, respectively.
International Paper monetizes its forest assets in various ways, including sales of short- and long-term harvest rights, on a pay-as-cut or lump-sum, bulk-sale basis, as well as through the sales of timberlands.
For 2006, our harvest is projected to decline 14% due to a lower inventory of mature timber.
However, in future years, the harvest profile is expected to improve as timber tracts mature and the benefits of higher yield-per-acre initiatives are realized.
Average firstquarter 2006 southern pine pulpwood, pine sawtimber and hardwood pulpwood prices are expected to remain close to fourth-quarter 2005 levels.
Forestland sales will continue to be dependent upon various factors including tract location and the level of investor interest.
Worldwide Distribution Channels The following table presents the number of doors by geographic location, in which Ralph Lauren-branded products distributed by our Wholesale segment were sold to consumers in our primary channels of distribution as of March 31, 2012:

Tables referenced above, in order (Table 0 first):
<table><tr><td></td><td>2010 Missouri Credit Agreement</td><td>2010 Genco Credit Agreement</td><td>2010 Illinois Credit Agreement</td></tr><tr><td>Ameren</td><td>$500</td><td>$500</td><td>$300</td></tr><tr><td>Ameren Missouri</td><td>500(a)</td><td></td><td>(a)</td></tr><tr><td>Ameren Illinois(a)</td><td></td><td>(a)</td><td>800</td></tr><tr><td>Genco(a)</td><td></td><td>500(a)</td><td></td></tr></table>
<table><tr><td></td><td colspan="2">As of and for the Year Ended December 31,</td><td></td><td></td></tr><tr><td>(dollars in millions)</td><td>2017</td><td>2016</td><td>Change</td><td>Percent</td></tr><tr><td>Net interest income</td><td>$1,411</td><td>$1,288</td><td>$123</td><td>10%</td></tr><tr><td>Noninterest income</td><td>538</td><td>466</td><td>72</td><td>15</td></tr><tr><td>Total revenue</td><td>1,949</td><td>1,754</td><td>195</td><td>11</td></tr><tr><td>Noninterest expense</td><td>772</td><td>741</td><td>31</td><td>4</td></tr><tr><td>Profit before provision for credit losses</td><td>1,177</td><td>1,013</td><td>164</td><td>16</td></tr><tr><td>Provision for credit losses</td><td>19</td><td>47</td><td>-28</td><td>-60</td></tr><tr><td>Income before income tax expense</td><td>1,158</td><td>966</td><td>192</td><td>20</td></tr><tr><td>Income tax expense</td><td>384</td><td>335</td><td>49</td><td>15</td></tr><tr><td>Net income</td><td>$774</td><td>$631</td><td>$143</td><td>23</td></tr><tr><td>Loans and leases and loans (year-end)<sup>(1)</sup></td><td>$48,623</td><td>$47,629</td><td>$994</td><td>2</td></tr><tr><td>Average Balances:</td><td></td><td></td><td></td><td></td></tr><tr><td>Total assets</td><td>$49,747</td><td>$47,159</td><td>$2,588</td><td>5%</td></tr><tr><td>Total loans and leases<sup>-1</sup></td><td>48,655</td><td>45,903</td><td>2,752</td><td>6</td></tr><tr><td>Deposits</td><td>30,005</td><td>26,811</td><td>3,194</td><td>12</td></tr><tr><td>Interest-earning assets</td><td>48,802</td><td>45,978</td><td>2,824</td><td>6</td></tr><tr><td>Key Performance Metrics:</td><td></td><td></td><td></td><td></td></tr><tr><td>Net interest margin</td><td>2.89%</td><td>2.80%</td><td>9bps</td><td></td></tr><tr><td>Efficiency ratio</td><td>39.62</td><td>42.26</td><td>-264 bps</td><td></td></tr><tr><td>Loans-to-deposits ratio (average balances)<sup>(2)</sup></td><td>161.15</td><td>170.81</td><td>-966 bps</td><td></td></tr><tr><td>Return on average total tangible assets</td><td>1.56</td><td>1.34</td><td>22bps</td><td></td></tr></table>
<table><tr><td><i>In millions</i></td><td> 2005</td><td>2004</td><td>2003</td></tr><tr><td>Sales</td><td> $6,380</td><td>$6,065</td><td>$5,860</td></tr><tr><td>Operating Profit</td><td> $84</td><td>$87</td><td>$80</td></tr></table>
<table><tr><td><i>In millions</i></td><td>2005</td><td>2004</td><td>2003</td></tr><tr><td>Sales</td><td>$2,575</td><td>$2,395</td><td>$2,390</td></tr><tr><td>Operating Profit:</td><td></td><td></td><td></td></tr><tr><td>Forest Resources –Sales of Forestlands</td><td>$400</td><td>$315</td><td>$462</td></tr><tr><td>Harvest & Recreational Income</td><td>269</td><td>281</td><td>268</td></tr><tr><td>Forestland Expenses</td><td>-146</td><td>-178</td><td>-157</td></tr><tr><td>Real Estate Operations</td><td>198</td><td>124</td><td>71</td></tr><tr><td>Wood Products</td><td>206</td><td>251</td><td>76</td></tr><tr><td>Operating Profit</td><td>$927</td><td>$793</td><td>$720</td></tr></table>

Question: Does Net interest income keeps increasing each year between 2016 and 2017?
Answer: yes