Results Of Businesses
## Table 0 ##
(a) Period-end balances for BlackRock and PFPC Certain revenue and expense amounts shown in the preceding table differ from amounts included in the Business Segments Review section of Item 7 of this Form 10-K due to the presentation in Item 7 of business revenues on a taxable-equivalent basis, classification differences related to PFPC, and a reclassification between Corporate & Institutional Banking and “Other.
” PFPC income classified as net interest income (expense) in the preceding table represents the interest components of nonoperating income (net of nonoperating expense) and debt financing as disclosed in the Business Segments Review section of Item 7.
Results related to our cross-border lease portfolio were moved from our Corporate & Institutional Banking business segment to the “Other” category beginning in 2007.
The corresponding amounts for 2006 and 2005 remained in Corporate & Institutional Banking in the preceding table; however, the 2006 cross-border lease portfolio results were moved to the “Other” category in the Business Segments Review section of Item 7 of this Report.
ITEM 7 - MANAGEMENT’S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS EXECUTIVE SUMMARY THE PNC FINANCIAL SERVICES GROUP, INC.  PNC is one of the largest diversified financial services companies in the United States based on assets, with businesses engaged in retail banking, corporate and institutional banking, asset management, and global fund processing services.
We provide many of our products and services nationally and others in our primary geographic markets located in Pennsylvania, New Jersey, Washington, DC, Maryland, Virginia, Ohio, Kentucky and Delaware.
We also provide certain global fund processing services internationally.
KEY STRATEGIC GOALS Our strategy to enhance shareholder value centers on driving positive operating leverage by achieving growth in revenue from our diverse business mix that exceeds growth in expenses as a result of disciplined cost management.
In each of our business segments, the primary drivers of revenue growth are the acquisition, expansion and retention of customer relationships.
We strive to expand our customer base by providing convenient banking options and leading technology systems, providing a broad range of fee-based products and services, focusing on customer service, and through a significantly enhanced branding initiative.
We may also grow revenue through appropriate and targeted acquisitions and, in certain businesses, by expanding into new geographical markets.
We have maintained a moderate risk profile characterized by strong credit quality and limited exposure to earnings volatility resulting from interest rate fluctuations and the shape of the interest rate yield curve.
Our actions have created a strong balance sheet, ample liquidity and investment flexibility to adjust, where appropriate, to changing interest rates and market conditions.
We continue to be disciplined in investing capital in our businesses while returning a portion to shareholders through dividends and share repurchases when appropriate.
ACQUISITION AND DIVESTITURE ACTIVITY A summary of pending and recently completed acquisitions and divestitures is included under Item 1 and in Note 2 Acquisitions and Divestitures in the Notes To Consolidated Financial Statements in Item 8 of this Report.
KEY FACTORS AFFECTING FINANCIAL PERFORMANCE Our financial performance is substantially affected by several external factors outside of our control, including: ?
General economic conditions, ?
Loan demand, utilization of credit commitments and standby letters of credit, and asset quality ?
Customer demand for other products and services, ?
Movement of customer deposits from lower to higher rate accounts or to investment alternatives, ?
The level of, direction, timing and magnitude of movement in interest rates, and the shape of the interest rate yield curve, and ?
The functioning and other performance of, and availability of liquidity in, the capital and other financial markets.  ?
The impact of credit spreads on valuations of commercial mortgage loans held for sale and the market for securitization and sale of these assets.
Starting in the middle of 2007, and continuing at present, there has been significant turmoil and volatility in worldwide financial markets, accompanied by uncertain prospects for the overall economy.
Our performance in 2008 will be impacted by developments in these areas.
In addition, our success in 2008 will depend, among other things, upon: ?
Further success in the acquisition, growth and retention of customers, ?
The successful integration of Yardville and progress toward closing and integrating the Sterling acquisition, ?
Completing the divestiture of Hilliard Lyons, ?
Continued development of the Mercantile franchise, including full deployment of our product offerings, ?
Revenue growth, ?
A sustained focus on expense management and creating positive operating leverage, ?
Maintaining strong overall asset quality, ?
Prudent risk and capital management, and ?
Actions we take within the capital and other financial markets.
SUMMARY FINANCIAL RESULTS
## Table 1 ##
We refer you to the Consolidated Income Statement Review portion of the 2006 Versus 2005 section of this Item 7 for significant items which collectively increased net income for 2006 by $1.1 billion, or $3.67 per diluted share.
Our performance in 2007 included the following accomplishments: ?
Our total assets at December 31, 2007 reached a record level of $139 billion, as further detailed in the Consolidated Balance Sheet Review section of this Item 7.
We achieved growth by expanding our footprint, growing and deepening customer relationships, and enhancing product capabilities.  ?
We differentiated ourselves with a diverse revenue mix of both interest and noninterest
NOTE 5 LOANS, COMMITMENTS TO EXTEND CREDIT AND CONCENTRATIONS OF CREDIT RISK Loans outstanding were as follows:
## Table 2 ##
Concentrations of credit risk exist when changes in economic, industry or geographic factors similarly affect groups of counterparties whose aggregate exposure is material in relation to our total credit exposure.
Loans outstanding and related unfunded commitments are concentrated in our primary geographic markets.
At December 31, 2007, no specific industry concentration exceeded 5% of total commercial loans outstanding and unfunded commitments.
In the normal course of business, we originate or purchase loan products whose contractual features, when concentrated, may increase our exposure as a holder and servicer of those loan products.
Possible product terms and features that may create a concentration of credit risk would include loan products whose terms permit negative amortization, a high loan-to-value ratio, features that may expose the borrower to future increases in repayments above increases in market interest rates, below-market interest rates and interest-only loans, among others.
We originate interest-only loans to commercial borrowers.
These products are standard in the financial services industry and the features of these products are considered during the underwriting process to mitigate the increased risk of this product feature that may result in borrowers not being able to make interest and principal payments when due.
We do not believe that these product features create a concentration of credit risk.
We also originate home equity loans and lines of credit that result in a credit concentration of high loan-to-value ratio loan products at the time of origination.
In addition, these loans are concentrated in our primary geographic markets as discussed above.
At December 31, 2007, $2.7 billion of the $14.4 billion of home equity loans (included in “Consumer” in the table above) had a loan-to-value ratio greater than 90%.
These loans are collateralized primarily by 1-4 family residential properties.
As part of our asset and liability management activities, we also periodically purchase residential mortgage loans that are collateralized by 1-4 family residential properties.
At December 31, 2007, $3.0 billion of the $9.6 billion of residential mortgage loans were interestonly loans.
We realized net gains from sales of commercial mortgages of $39 million in 2007, $55 million in 2006 and $61 million in 2005.
Gains on sales of education loans totaled $24 million in 2007, $33 million in 2006 and $19 million in 2005.
Loans held for sale are reported separately on the Consolidated Balance Sheet and are not included in the table above.
Interest income from total loans held for sale was $184 million for 2007, $157 million for 2006 and $104 million for 2005 and is included in Other interest income in our Consolidated Income Statement.

Tables referenced above, in order (Table 0 first):
<table><tr><td>Year ended December 31In millions</td><td>Retail Banking</td><td>Corporate & Institutional Banking</td><td>BlackRock</td><td>PFPC</td><td>Other</td><td>Intercompany Eliminations</td><td>Consolidated</td></tr><tr><td> 2007</td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>INCOMESTATEMENT</td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Net interest income (expense)</td><td> $2,059</td><td>$805</td><td></td><td>-$32</td><td>$83</td><td></td><td> $2,915</td></tr><tr><td>Noninterest income</td><td> 1,736</td><td>720</td><td> $334</td><td>863</td><td>175</td><td>-$38</td><td> 3,790</td></tr><tr><td>Total revenue</td><td> 3,795</td><td>1,525</td><td> 334</td><td>831</td><td>258</td><td>-38</td><td> 6,705</td></tr><tr><td>Provision for (recoveries of) credit losses</td><td> 138</td><td>125</td><td></td><td></td><td>52</td><td></td><td> 315</td></tr><tr><td>Depreciation and amortization</td><td> 124</td><td>22</td><td></td><td>60</td><td>97</td><td></td><td> 303</td></tr><tr><td>Other noninterest expense</td><td> 2,115</td><td>796</td><td></td><td>577</td><td>544</td><td>-39</td><td> 3,993</td></tr><tr><td>Earnings (loss) before income taxes</td><td> 1,418</td><td>582</td><td> 334</td><td>194</td><td>-435</td><td>1</td><td> 2,094</td></tr><tr><td>Income taxes</td><td> 525</td><td>150</td><td> 84</td><td>66</td><td>-198</td><td></td><td> 627</td></tr><tr><td>Earnings (loss)</td><td> $893</td><td>$432</td><td> $250</td><td>$128</td><td>-$237</td><td>$1</td><td> $1,467</td></tr><tr><td>Inter-segment revenue</td><td> $23</td><td>$9</td><td> $16</td><td>$17</td><td>-$27</td><td>-$38</td><td></td></tr><tr><td>Average Assets (a)</td><td> $42,424</td><td>$29,052</td><td> $4,259</td><td>$2,476</td><td>$48,885</td><td>-$3,678</td><td> $123,418</td></tr><tr><td>2006</td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>INCOMESTATEMENT</td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Net interest income (expense)</td><td>$1,673</td><td>$711</td><td>$20</td><td>-$38</td><td>-$121</td><td></td><td>$2,245</td></tr><tr><td>Noninterest income</td><td>1,447</td><td>752</td><td>1,135</td><td>917</td><td>2,137</td><td>-$61</td><td>6,327</td></tr><tr><td>Total revenue</td><td>3,120</td><td>1,463</td><td>1,155</td><td>879</td><td>2,016</td><td>-61</td><td>8,572</td></tr><tr><td>Provision for (recoveries of) credit losses</td><td>81</td><td>42</td><td></td><td></td><td>1</td><td></td><td>124</td></tr><tr><td>Depreciation and amortization</td><td>67</td><td>23</td><td>29</td><td>57</td><td>99</td><td></td><td>275</td></tr><tr><td>Other noninterest expense</td><td>1,760</td><td>726</td><td>828</td><td>646</td><td>266</td><td>-58</td><td>4,168</td></tr><tr><td>Earnings (loss) before minority interests in BlackRock and income taxes</td><td>1,212</td><td>672</td><td>298</td><td>176</td><td>1,650</td><td>-3</td><td>4,005</td></tr><tr><td>Minority interests in BlackRock</td><td></td><td></td><td></td><td></td><td>47</td><td></td><td>47</td></tr><tr><td>Income taxes</td><td>447</td><td>209</td><td>104</td><td>52</td><td>552</td><td>-1</td><td>1,363</td></tr><tr><td>Earnings (loss)</td><td>$765</td><td>$463</td><td>$194</td><td>$124</td><td>$1,051</td><td>-$2</td><td>$2,595</td></tr><tr><td>Inter-segment revenue</td><td>$13</td><td>$9</td><td>$28</td><td>$12</td><td>-$1</td><td>-$61</td><td></td></tr><tr><td>Average Assets (a)</td><td>$29,248</td><td>$26,548</td><td>$3,937</td><td>$2,204</td><td>$35,611</td><td>-$2,536</td><td>$95,012</td></tr><tr><td>2005</td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>INCOMESTATEMENT</td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Net interest income (expense)</td><td>$1,588</td><td>$729</td><td>$35</td><td>-$33</td><td>-$165</td><td></td><td>$2,154</td></tr><tr><td>Noninterest income</td><td>1,275</td><td>596</td><td>1,191</td><td>879</td><td>312</td><td>-$80</td><td>4,173</td></tr><tr><td>Total revenue</td><td>2,863</td><td>1,325</td><td>1,226</td><td>846</td><td>147</td><td>-80</td><td>6,327</td></tr><tr><td>Provision for (recoveries of) credit losses</td><td>52</td><td>-30</td><td></td><td></td><td>-1</td><td></td><td>21</td></tr><tr><td>Depreciation and amortization</td><td>62</td><td>20</td><td>31</td><td>56</td><td>107</td><td></td><td>276</td></tr><tr><td>Other noninterest expense</td><td>1,664</td><td>638</td><td>822</td><td>629</td><td>329</td><td>-52</td><td>4,030</td></tr><tr><td>Earnings before minority interests in BlackRock and income taxes</td><td>1,085</td><td>697</td><td>373</td><td>161</td><td>-288</td><td>-28</td><td>2,000</td></tr><tr><td>Minority interests in BlackRock</td><td></td><td></td><td></td><td></td><td>71</td><td></td><td>71</td></tr><tr><td>Income taxes</td><td>403</td><td>217</td><td>139</td><td>57</td><td>-202</td><td>-10</td><td>604</td></tr><tr><td>Earnings (loss)</td><td>$682</td><td>$480</td><td>$234</td><td>$104</td><td>-$157</td><td>-$18</td><td>$1,325</td></tr><tr><td>Inter-segment revenue</td><td>$13</td><td>$7</td><td>$32</td><td>$3</td><td>$25</td><td>-$80</td><td></td></tr><tr><td>Average Assets (a)</td><td>$27,618</td><td>$25,309</td><td>$1,848</td><td>$2,128</td><td>$33,315</td><td>-$1,670</td><td>$88,548</td></tr></table>
<table><tr><td></td><td colspan="2">Year ended December 31</td></tr><tr><td>In billions, except forper share data</td><td>2007</td><td>2006</td></tr><tr><td>Net income</td><td>$1.467</td><td>$2.595</td></tr><tr><td>Diluted earnings per share</td><td>$4.35</td><td>$8.73</td></tr><tr><td>Return on</td><td></td><td></td></tr><tr><td>Average commonshareholders’ equity</td><td>10.53%</td><td>27.97%</td></tr><tr><td>Average assets</td><td>1.19%</td><td>2.73%</td></tr></table>
<table><tr><td>December 31 - in millions</td><td>2007</td><td>2006</td></tr><tr><td>Commercial</td><td>$28,607</td><td>$20,584</td></tr><tr><td>Commercial real estate</td><td>8,906</td><td>3,532</td></tr><tr><td>Consumer</td><td>18,326</td><td>16,515</td></tr><tr><td>Residential mortgage</td><td>9,557</td><td>6,337</td></tr><tr><td>Lease financing</td><td>3,500</td><td>3,556</td></tr><tr><td>Other</td><td>413</td><td>376</td></tr><tr><td>Total loans</td><td>69,309</td><td>50,900</td></tr><tr><td>Unearned income</td><td>-990</td><td>-795</td></tr><tr><td>Total loans, net of unearned income</td><td>$68,319</td><td>$50,105</td></tr></table>

Question: for 2007 and 2006 in millions , what was average residential mortgage loan balance?
Answer: 7947
Reasoning program: add(9557,6337), divide(#0,const_2)