The decrease in the yield on interest-earning assets was primarily due to lower rates on new loans and purchased securities in the ongoing low interest rate environment, as well as the impact of higher levels of interest-earning deposits with banks maintained in light of anticipated regulatory requirements.
The decrease in the rate paid on interest-bearing liabilities was primarily due to redemptions of higher-rate bank notes and senior debt and subordinated debt, including the redemption of trust preferred and hybrid capital securities.
With respect to the first quarter of 2014, we expect net interest income to be down modestly compared with the fourth quarter of 2013 reflecting an anticipated continued decline in total purchase accounting accretion and the impact of fewer days in the first quarter somewhat offset by modest loan growth.
For the full year 2014, we expect total purchase accounting accretion to be down approximately $300 million compared with 2013.
NONINTEREST INCOME Table 5: Noninterest Income
## Table 0 ##
Noninterest income increased during 2013 compared to 2012 due to higher residential mortgage revenue, which was driven by improvement in the provision for residential mortgage repurchase obligations, strong client fee income and higher gains on asset valuations, partially offset by lower gains on asset sales.
Noninterest income as a percentage of total revenue was 43% for 2013, up from 38% for 2012.
Asset management revenue increased in 2013 compared to 2012, driven by higher earnings from our BlackRock investment, stronger average equity markets and strong sales resulting in positive net flows, after adjustments to total net flows for cyclical client activities.
Discretionary assets under management increased to $127 billion at December 31, 2013 compared with $112 billion at December 31, 2012.
The increase in consumer service fees in 2013 compared to 2012 was due to growth in brokerage fees and the impact of higher customer-initiated fee based transactions.
Corporate services revenue increased to $1.2 billion in 2013.
This increase included the impact of higher valuation gains from rising interest rates on net commercial mortgage servicing rights valuations, which were gains of $68 million in 2013 compared with $31 million for 2012.
The increase in corporate services revenue was primarily due to higher net commercial mortgage servicing rights valuations, higher commercial mortgage fees, net of amortization, and higher treasury management fees, partially offset by lower merger and acquisition advisory fees.
Residential mortgage revenue increased to $871 million in 2013 from $284 million in 2012.
The increase was driven by improvement in the provision for residential mortgage repurchase obligations, which was a benefit of $53 million in 2013 compared with a provision of $761 million in 2012.
The release of reserves in 2013 was largely the result of agreements with two government-sponsored enterprises (GSEs), FHLMC and FNMA, for loans sold into agency securitizations.
See the Recourse And Repurchase Obligations section of this Financial Review for further detail.
This benefit was partially offset by lower loan sales revenue resulting from an increase in mortgage interest rates which had the effect of reducing gain on sale margins and, to a lesser extent, loan origination volume.
Other noninterest income increased to $1.5 billion in 2013 due to higher revenue associated with private equity investments and commercial mortgage loans held for sale.
In addition, the increase reflected higher revenue from credit valuations for customer-related derivatives activities as higher market interest rates reduced the fair value of PNC’s credit exposure on these activities.
The impact to 2013 revenue due to these credit valuations was $56 million, while the impact to 2012 revenue was not significant.
These increases were partially offset by lower gains on sale of Visa Class B common shares, which were $168 million on the sale of 4 million shares in 2013 compared with gains of $267 million on the sale of 9 million shares in 2012.
We held approximately 10 million Visa Class B common shares with a fair value of approximately $971 million and recorded investment of $158 million as of December 31, 2013.
Other noninterest income typically fluctuates from period to period depending on the nature and magnitude of transactions completed.
Further details regarding our customer-related trading activities are included in the Market Risk Management – Customer-Related Trading Risk portion of the Risk Management section of this Item 7.
Further details regarding private and other equity investments are included in the Market Risk Management – Equity And Other Investment Risk section, and further details regarding gains or losses related to our equity investment in BlackRock are included in the Business Segments Review section of this Item 7.
of such other legal proceedings will have a material adverse effect on our financial position.
However, we cannot now determine whether or not any claims asserted against us or others to whom we may have indemnification obligations, whether in the proceedings or other matters described above or otherwise, will have a material adverse effect on our results of operations in any future reporting period, which will depend on, among other things, the amount of the loss resulting from the claim and the amount of income otherwise reported for the reporting period.
NOTE 20 COMMITMENTSIn the normal course of business, we have various commitments outstanding, certain of which are not included on our Consolidated Balance Sheet.
The following table presents our outstanding commitments to extend credit along with significant other commitments as of December 31, 2018 and 2017, respectively.
Table 94: Commitments to Extend Credit and Other Commitments
## Table 1 ##
(a) Net outstanding standby letters of credit include $3.7 billion and $3.5 billion at December 31, 2018 and 2017, respectively, which support remarketing programs.
(b) Represents aggregate maximum exposure up to the specified limits of the reinsurance contracts provided by our wholly-owned captive insurance subsidiary.
These amounts reflect estimates based on availability of financial information from insurance carriers.
As of December 31, 2018, the aggregate maximum exposure amount comprised $1.3 billion for accidental death & dismemberment contracts and $.2 billion for credit life, accident & health contracts.
Comparable amounts at December 31, 2017 were $1.5 billion and $.2 billion, respectively.
(c) We enter into standby bond purchase agreements to support municipal bond obligations.
(d) Includes $.5 billion related to investments in qualified affordable housing projects at both December 31, 2018 and 2017, respectively.
Commitments to Extend CreditCommitments to extend credit, or net unfunded loan commitments, represent arrangements to lend funds or provide liquidity subject to specified contractual conditions.
These commitments generally have fixed expiration dates, may require payment of a fee, and generally contain termination clauses in the event the customer’s credit quality deteriorates.
Net Outstanding Standby Letters of CreditWe issue standby letters of credit and share in the risk of standby letters of credit issued by other financial institutions, in each case to support obligations of our customers to third parties, such as insurance requirements and the facilitation of transactions involving capital markets product execution.
Approximately 91% of our net outstanding standby letters of credit were rated as Pass at both December 31, 2018 and 2017, with the remainder rated as Criticized.
An internal credit rating of Pass indicates the expected risk of loss is currently low, while a rating of Criticized indicates a higher degree of risk.
If the customer fails to meet its financial or performance obligation to the third party under the terms of the contract or there is a need to support a remarketing program, then upon a draw by a beneficiary, subject to the terms of the letter of credit, we would be obligated to make payment to them.
The standby letters of credit outstanding on December 31, 2018 had terms ranging from less than one year to six years.
As of December 31, 2018, assets of $1.1 billion secured certain specifically identified standby letters of credit.
In addition, a portion of the remaining standby letters of credit issued on behalf of specific customers is also secured by collateral or guarantees that secure the customers’ other obligations to us.
The carrying amount of the liability for our obligations related to standby letters of credit and participations in standby letters of credit was $.2 billion at December 31, 2018 and is included in Other liabilities on our Consolidated Balance Sheet.
Commercial Real Estate Commercial real estate loans comprised $6.6 billion of real estate project loans, $7.1 billion of intermediate term financing loans and $14.4 billion related to commercial mortgages as of December 31, 2018.
Comparable amounts were $6.9 billion, $8.4 billion and $13.7 billion, respectively, as of December 31, 2017.
We monitor credit risk associated with our commercial real estate loans similar to commercial loans by analyzing PD and LGD.
Additionally, risks associated with these types of credit activities tend to be correlated to the loan structure, collateral location, project progress and business environment.
These attributes are also monitored and utilized in assessing credit risk.
The portfolio is geographically diverse due to the nature of our business involving clients throughout the U. S.  The following table presents our commercial real estate loans by geographic market and property type.
Table 15: Commercial Real Estate Loans by Geography and Property Type
## Table 2 ##
Home Equity Home equity loans comprised $15.5 billion of primarily variable-rate home equity lines of credit and $10.6 billion of closed-end home equity installment loans at December 31, 2018.
Comparable amounts were $16.8 billion and $11.6 billion, respectively, as of December 31, 2017.
We track borrower performance monthly, including obtaining original loan-to-value ratios (LTV), updated FICO scores at least quarterly, updated LTVs at least semi-annually, and other credit metrics at least quarterly, including the historical performance of any related mortgage loans regardless of lien position that we do or do not hold.
This information is used for internal reporting and risk management.
For internal reporting and risk management we also segment the population into pools based on product type (e. g. , home equity loans, brokered home equity loans, home equity lines of credit, brokered home equity lines of credit).
As part of our overall risk analysis and monitoring, we also segment the portfolio based upon the loan delinquency, nonperforming status, modification and bankruptcy status, FICO scores, LTV, lien position and geographic concentration.
The portfolio is primarily originated within markets located in the Mid-Atlantic, Midwest, and Southeast, with less than 5% of the portfolio in states outside of those markets as of December 31, 2018.
The credit quality of newly originated loans in 2018 was strong overall as evidenced by a weighted-average LTV on originations of 67% and a weighted-average FICO score of 773.
The credit performance of the majority of the home equity portfolio where we hold the first lien position is superior to the portion of the portfolio where we hold the second lien position, but do not hold the first lien.
Lien position information is generally based upon

Tables referenced above, in order (Table 0 first):
<table><tr><td>Year ended December 31</td><td></td><td></td><td colspan="2">Change</td></tr><tr><td>Dollars in millions</td><td>2013</td><td>2012</td><td>$</td><td>%</td></tr><tr><td>Noninterest income</td><td></td><td></td><td></td><td></td></tr><tr><td>Asset management</td><td>$1,342</td><td>$1,169</td><td>$173</td><td>15%</td></tr><tr><td>Consumer services</td><td>1,253</td><td>1,136</td><td>117</td><td>10%</td></tr><tr><td>Corporate services</td><td>1,210</td><td>1,166</td><td>44</td><td>4%</td></tr><tr><td>Residential mortgage</td><td>871</td><td>284</td><td>587</td><td>207%</td></tr><tr><td>Service charges on deposits</td><td>597</td><td>573</td><td>24</td><td>4%</td></tr><tr><td>Net gains on sales of securities</td><td>99</td><td>204</td><td>-105</td><td>-51%</td></tr><tr><td>Net other-than-temporary impairments</td><td>-16</td><td>-111</td><td>95</td><td>-86%</td></tr><tr><td>Other</td><td>1,509</td><td>1,451</td><td>58</td><td>4%</td></tr><tr><td>Total noninterest income</td><td>$6,865</td><td>$5,872</td><td>$993</td><td>17%</td></tr></table>
<table><tr><td>In millions</td><td>December 31 2018</td><td>December 312017</td></tr><tr><td>Commitments to extend credit</td><td></td><td></td></tr><tr><td>Total commercial lending</td><td>$120,165</td><td>$112,125</td></tr><tr><td>Home equity lines of credit</td><td>16,944</td><td>17,852</td></tr><tr><td>Credit card</td><td>27,100</td><td>24,911</td></tr><tr><td>Other</td><td>5,069</td><td>4,753</td></tr><tr><td>Total commitments to extend credit</td><td>169,278</td><td>159,641</td></tr><tr><td>Net outstanding standby letters of credit (a)</td><td>8,655</td><td>8,651</td></tr><tr><td>Reinsurance agreements (b)</td><td>1,549</td><td>1,654</td></tr><tr><td>Standby bond purchase agreements (c)</td><td>1,000</td><td>843</td></tr><tr><td>Other commitments (d)</td><td>1,130</td><td>1,732</td></tr><tr><td>Total commitments to extend credit and other commitments</td><td>$181,612</td><td>$172,521</td></tr></table>
<table><tr><td></td><td colspan="2">December 31, 2018</td><td colspan="2">December 31, 2017</td></tr><tr><td>Dollars in millions</td><td>Amount</td><td>% of Total</td><td>Amount</td><td>% of Total</td></tr><tr><td>Geography</td><td></td><td></td><td></td><td></td></tr><tr><td>California</td><td>$4,154</td><td>15%</td><td>$4,192</td><td>14%</td></tr><tr><td>Florida</td><td>2,157</td><td>8</td><td>2,221</td><td>8</td></tr><tr><td>Maryland</td><td>1,966</td><td>7</td><td>2,104</td><td>7</td></tr><tr><td>Virginia</td><td>1,682</td><td>6</td><td>1,609</td><td>5</td></tr><tr><td>Texas</td><td>1,531</td><td>5</td><td>1,639</td><td>6</td></tr><tr><td>Illinois</td><td>1,368</td><td>5</td><td>1,325</td><td>5</td></tr><tr><td>Pennsylvania</td><td>1,214</td><td>4</td><td>1,394</td><td>5</td></tr><tr><td>New York</td><td>1,151</td><td>4</td><td>1,163</td><td>4</td></tr><tr><td>Ohio</td><td>1,053</td><td>4</td><td>1,134</td><td>4</td></tr><tr><td>North Carolina</td><td>915</td><td>3</td><td>943</td><td>3</td></tr><tr><td>All other states</td><td>10,949</td><td>39</td><td>11,254</td><td>39</td></tr><tr><td>Total commercial real estate loans</td><td>$28,140</td><td>100%</td><td>$28,978</td><td>100%</td></tr><tr><td>Property Type</td><td></td><td></td><td></td><td></td></tr><tr><td>Multifamily</td><td>$8,770</td><td>31%</td><td>$8,958</td><td>31%</td></tr><tr><td>Office</td><td>7,279</td><td>26</td><td>7,178</td><td>25</td></tr><tr><td>Retail</td><td>4,065</td><td>14</td><td>4,670</td><td>16</td></tr><tr><td>Hotel/Motel</td><td>1,686</td><td>6</td><td>1,793</td><td>6</td></tr><tr><td>Industrial/Warehouse</td><td>1,678</td><td>6</td><td>1,877</td><td>6</td></tr><tr><td>Senior Housing</td><td>1,092</td><td>4</td><td>905</td><td>3</td></tr><tr><td>Mixed Use</td><td>933</td><td>3</td><td>1,142</td><td>4</td></tr><tr><td>Other</td><td>2,637</td><td>10</td><td>2,455</td><td>9</td></tr><tr><td>Total commercial real estate loans</td><td>$28,140</td><td>100%</td><td>$28,978</td><td>100%</td></tr></table>

Question: What will Virginia reach in 2019 if it continues to grow at its current rate? (in million)
Answer: 1758.31
Reasoning program: subtract(1682,1609), divide(#0,1609), add(const_1,#1), multiply(1682,#2)