(f) Nonperforming loans exclude certain government insured or guaranteed loans, loans held for sale, loans accounted for under the fair value option and purchased impaired loans.
(g) OREO excludes $380 million and $280 million at December 31, 2012 and December 31, 2011, respectively, related to residential real estate that was acquired by us upon foreclosure of serviced loans because they are insured by the Federal Housing Administration (FHA) or guaranteed by the Department of Veterans Affairs (VA).
(h) The allowance for loan and lease losses includes impairment reserves attributable to purchased impaired loans.
See Note 7 Allowances for Loan and Lease Losses and Unfunded Loan Commitments and Letters of Credit in the Notes To Consolidated Financial Statements in Item 8 of this Report for additional information.
Table 34: OREO and Foreclosed Assets
## Table 0 ##
Total OREO and foreclosed assets declined $56 million during 2012 from $596 million at December 31, 2011, to $540 million at December 31, 2012, which represents 14% of total nonperforming assets.
The decrease is primarily due to increased sales activity and greater valuation losses offset in part by an increase from the acquisition of RBC Bank (USA).
Of the $245 million added to OREO through the acquisition of RBC Bank (USA), $109 million remained at December 31, 2012.
As of December 31, 2012 and December 31, 2011, 31% and 32%, respectively, of our OREO and foreclosed assets were comprised of 1-4 family residential properties.
Excluded from OREO at December 31, 2012 and December 31, 2011, respectively, was $380 million and $280 million of residential real estate that was acquired by us upon foreclosure of serviced loans because they are insured by the Federal Housing Administration (FHA) or guaranteed by the Department of Veterans Affairs (VA).
Table 35: Change in Nonperforming Assets
## Table 1 ##
The table above represents nonperforming asset activity for 2012 and 2011.
For 2012, nonperforming assets decreased $362 million from $4.2 billion at December 31, 2011 to $3.8 billion primarily due to decreases in commercial real estate and commercial nonperforming loans.
These decreases were offset, in part, by higher nonperforming consumer loans.
Pursuant to regulatory guidance issued in the third quarter of 2012, nonperforming consumer loans, primarily home equity and residential mortgage, increased $288 million in 2012 related to changes in treatment of certain loans classified as TDRs resulting from bankruptcy where no formal reaffirmation was provided by the borrower and therefore a concession has been granted based upon discharge from personal liability.
Of these loans, approximately 78% were current on their payments at December 31, 2012.
Additionally, nonperforming home equity loans increased due to a change in policy made in the first quarter of 2012 which places home equity loans on nonaccrual status when past due 90 days or more compared with 180 days under the prior policy.
Approximately 85% of total nonperforming loans are secured by collateral which is generally expected to reduce credit losses in the event of default.
As of December 31, 2012, commercial nonperforming loans are carried at approximately 53% of unpaid principal balance, due to charge-offs recorded to date.
Approximately 24% of commercial lending nonperforming loans are contractually current as to principal and interest.
See Note 5 Asset Quality in the Notes To Consolidated Financial Statements in Item 8 of this Report for additional nonperforming asset information.
Purchased impaired loans are considered performing, even if contractually past due (or if we do not expect to receive payment in full based on the original contractual terms), as we are currently accreting interest income over the expected life of the loans.
The accretable yield represents the excess of the expected cash flows on the loans at the measurement date over the carrying value.
Generally, decreases, other than interest rate decreases for variable rate notes, in the net present value of expected cash flows of individual commercial or pooled purchased impaired loans will result in an impairment charge to the provision for loan losses in the period in which the change is deemed probable.
Generally, increases in the net present value of expected cash flows of purchased impaired loans will first result in a recovery of previously recorded allowance for loan losses, to the extent applicable, and then an increase to accretable yield for the remaining life of the purchased impaired loans.
This accounting treatment for purchased impaired loans significantly reduces nonperforming loans and assets in the tables above.
This treatment also results in a lower ratio of nonperforming loans to total loans and a higher ratio of ALLL to nonperforming loans.
See Note 6 Purchased Loans in the Notes To Consolidated Financial Statements in Item 8 of this Report for additional information on these loans.
Loan Delinquencies We regularly monitor the level of loan delinquencies and believe these levels may be a key indicator of loan portfolio asset quality.
Measurement of delinquency status is based on the contractual terms of each loan.
Loans for which payment is 30 days or more past due are considered delinquent.
Loan
consist of first and second liens, the charge-off amounts for the pool are proportionate to the composition of first and second liens in the pool.
Our experience has been that the ratio of first to second lien loans has been consistent over time and is appropriately represented in our pools used for roll-rate calculations.
Generally, our variable-rate home equity lines of credit have either a seven or ten year draw period, followed by a 20 year amortization term.
During the draw period, we have home equity lines of credit where borrowers pay interest only and home equity lines of credit where borrowers pay principal and interest.
Based upon outstanding balances at December 31, 2012, the following table presents the periods when home equity lines of credit draw periods are scheduled to end.
Table 39: Home Equity Lines of Credit – Draw Period End Dates
## Table 2 ##
(a) Includes approximately $166 million, $208 million, $213 million, $61 million, $70 million and $526 million of home equity lines of credit with balloon payments with draw periods scheduled to end in 2013, 2014, 2015, 2016, 2017 and 2018 and thereafter, respectively.
We view home equity lines of credit where borrowers are paying principal and interest under the draw period as less risky than those where the borrowers are paying interest only, as these borrowers have a demonstrated ability to make some level of principal and interest payments.
Based upon outstanding balances, and excluding purchased impaired loans, at December 31, 2012, for home equity lines of credit for which the borrower can no longer draw (e. g. , draw period has ended or borrowing privileges have been terminated), approximately 3.86% were 30-89 days past due and approximately 5.96% were greater than or equal to 90 days past due.
Generally, when a borrower becomes 60 days past due, we terminate borrowing privileges, and those privileges are not subsequently reinstated.
At that point, we continue our collection/recovery processes, which may include a loss mitigation loan modification resulting in a loan that is classified as a TDR.
See Note 5 Asset Quality in the Notes To Consolidated Financial Statements in Item 8 of this Report for additional information.
LOAN MODIFICATIONS AND TROUBLED DEBT RESTRUCTURINGS Consumer Loan Modifications We modify loans under government and PNC-developed programs based upon our commitment to help eligible homeowners and borrowers avoid foreclosure, where appropriate.
Initially, a borrower is evaluated for a modification under a government program.
If a borrower does not qualify under a government program, the borrower is then evaluated under a PNC program.
Our programs utilize both temporary and permanent modifications and typically reduce the interest rate, extend the term and/or defer principal.
Temporary and permanent modifications under programs involving a change to loan terms are generally classified as TDRs.
Further, certain payment plans and trial payment arrangements which do not include a contractual change to loan terms may be classified as TDRs.
Additional detail on TDRs is discussed below as well as in Note 5 Asset Quality in the Notes To Consolidated Financial Statements in Item 8 of this Report.
A temporary modification, with a term between three and 60 months, involves a change in original loan terms for a period of time and reverts to a calculated exit rate for the remaining term of the loan as of a specific date.
A permanent modification, with a term greater than 60 months, is a modification in which the terms of the original loan are changed.
Permanent modifications primarily include the government-created Home Affordable Modification Program (HAMP) or PNC-developed HAMP-like modification programs.
For consumer loan programs, such as residential mortgages and home equity loans and lines, we will enter into a temporary modification when the borrower has indicated a temporary hardship and a willingness to bring current the delinquent loan balance.
Examples of this situation often include delinquency due to illness or death in the family, or a loss of employment.
Permanent modifications are entered into when it is confirmed that the borrower does not possess the income necessary to continue making loan payments at the current amount, but our expectation is that payments at lower amounts can be made.
Residential mortgage and home equity loans and lines have been modified with changes in terms for up to 60 months, although the majority involve periods of three to 24 months.
We also monitor the success rates and delinquency status of our loan modification programs to assess their effectiveness in serving our customers’ needs while mitigating credit losses.
The following tables provide the number of accounts and unpaid principal balance of modified consumer real estate related loans as well as the number of accounts and unpaid principal balance of modified loans that were 60 days or more past due as of six months, nine months, twelve months and fifteen months after the modification date.
NOTE 5 ASSET QUALITY Asset Quality We closely monitor economic conditions and loan performance trends to manage and evaluate our exposure to credit risk.
Trends in delinquency rates may be a key indicator, among other considerations, of credit risk within the loan portfolios.
The measurement of delinquency status is based on the contractual terms of each loan.
Loans that are 30 days or more past due in terms of payment are considered delinquent.
Loan delinquencies exclude loans held for sale and purchased impaired loans, but include government insured or guaranteed loans.
The trends in nonperforming assets represent another key indicator of the potential for future credit losses.
Nonperforming assets include nonperforming loans, certain TDRs, and other real estate owned (OREO) and foreclosed assets, but exclude certain government insured or guaranteed loans, loans held for sale, loans accounted for under the fair value option and purchased impaired loans.
See Note 6 Purchased Loans for further information.
See Note 1 Accounting Policies for additional delinquency, nonperforming, and charge-off information.
The following tables display the delinquency status of our loans and our nonperforming assets at December 31, 2012 and December 31, 2011, respectively.
Table 64: Age Analysis of Past Due Accruing Loans (a)
## Table 3 ##
(a) Amounts in table represent recorded investment.
(b) Past due loan amounts exclude purchased impaired loans, even if contractually past due (or if we do not expect to receive payment in full based on the original contractual terms), as we are currently accreting interest income over the expected life of the loans.
Also excluded are loans held for sale and loans accounted for under the fair value option.
(c) In the first quarter of 2012, we adopted a policy stating that Home equity loans past due 90 days or more would be placed on nonaccrual status.
Prior policy required that these loans be past due 180 days before being placed on nonaccrual status.
(d) Past due loan amounts at December 31, 2012 include government insured or guaranteed residential real estate mortgages, totaling $.1 billion for 30 to 59 days past due, $.1 billion for 60 to 89 days past due and $1.9 billion for 90 days or more past due.
Past due loan amounts at December 31, 2011 include government insured or guaranteed residential real estate mortgages totaling $.1 billion for 30 to 59 days past due, $.1 billion for 60 to 89 days past due and $2.1 billion for 90 days or more past due.
(e) Past due loan amounts at December 31, 2012 include government insured or guaranteed other consumer loans totaling $.2 billion for 30 to 59 days past due, $.1 billion for 60 to 89 days past due and $.3 billion for 90 days or more past due.
Past due loan amounts at December 31, 2011 include government insured or guaranteed other consumer loans totaling $.2 billion for 30 to 59 days past due, $.1 billion for 60 to 89 days past due and $.3 billion for 90 days or more past due.

<table><tr><td>In millions</td><td>Dec. 312012</td><td>Dec. 312011</td></tr><tr><td>Other real estate owned (OREO):</td><td></td><td></td></tr><tr><td>Residential properties</td><td>$167</td><td>$191</td></tr><tr><td>Residential development properties</td><td>135</td><td>183</td></tr><tr><td>Commercial properties</td><td>205</td><td>187</td></tr><tr><td>Total OREO</td><td>507</td><td>561</td></tr><tr><td>Foreclosed and other assets</td><td>33</td><td>35</td></tr><tr><td>Total OREO and foreclosed assets</td><td>$540</td><td>$596</td></tr></table>
<table><tr><td>In millions</td><td>2012</td><td>2011</td></tr><tr><td>January 1</td><td>$4,156</td><td>$5,123</td></tr><tr><td>New nonperforming assets</td><td>3,648</td><td>3,625</td></tr><tr><td>Charge-offs and valuation adjustments</td><td>-1,218</td><td>-1,220</td></tr><tr><td>Principal activity, including paydowns and payoffs</td><td>-1,812</td><td>-1,960</td></tr><tr><td>Asset sales and transfers to loans held for sale</td><td>-610</td><td>-613</td></tr><tr><td>Returned to performing status</td><td>-370</td><td>-799</td></tr><tr><td>December 31</td><td>$3,794</td><td>$4,156</td></tr></table>
<table><tr><td>In millions</td><td>InterestOnlyProduct</td><td>PrincipalandInterestProduct</td></tr><tr><td>2013</td><td>$1,338</td><td>$221</td></tr><tr><td>2014</td><td>2,048</td><td>475</td></tr><tr><td>2015</td><td>2,024</td><td>654</td></tr><tr><td>2016</td><td>1,571</td><td>504</td></tr><tr><td>2017</td><td>3,075</td><td>697</td></tr><tr><td>2018 and thereafter</td><td>5,497</td><td>4,825</td></tr><tr><td>Total (a)</td><td>$15,553</td><td>$7,376</td></tr></table>
<table><tr><td></td><td colspan="5">Accruing</td><td></td><td></td><td></td></tr><tr><td>In millions</td><td>Current or Less Than 30 Days Past Due</td><td>30-59 Days Past Due</td><td>60-89 Days Past Due</td><td>90 Days Or More Past Due</td><td>Total Past Due (b)</td><td>Nonperforming Loans</td><td>Purchased Impaired</td><td>Total Loans</td></tr><tr><td>December 31, 2012</td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Commercial</td><td>$81,930</td><td>$115</td><td>$55</td><td>$42</td><td>$212</td><td>$590</td><td>$308</td><td>$83,040</td></tr><tr><td>Commercial real estate</td><td>16,735</td><td>100</td><td>57</td><td>15</td><td>172</td><td>807</td><td>941</td><td>18,655</td></tr><tr><td>Equipment lease financing</td><td>7,214</td><td>17</td><td>1</td><td>2</td><td>20</td><td>13</td><td></td><td>7,247</td></tr><tr><td>Home equity (c)</td><td>32,174</td><td>117</td><td>58</td><td></td><td>175</td><td>951</td><td>2,620</td><td>35,920</td></tr><tr><td>Residential real estate (d)</td><td>8,534</td><td>278</td><td>146</td><td>1,901</td><td>2,325</td><td>845</td><td>3,536</td><td>15,240</td></tr><tr><td>Credit card</td><td>4,205</td><td>34</td><td>23</td><td>36</td><td>93</td><td>5</td><td></td><td>4,303</td></tr><tr><td>Other consumer (e)</td><td>20,663</td><td>258</td><td>131</td><td>355</td><td>744</td><td>43</td><td>1</td><td>21,451</td></tr><tr><td>Total</td><td>$171,455</td><td>$919</td><td>$471</td><td>$2,351</td><td>$3,741</td><td>$3,254</td><td>$7,406</td><td>$185,856</td></tr><tr><td>Percentage of total loans</td><td>92.26%</td><td>.49%</td><td>.25%</td><td>1.26%</td><td>2.00%</td><td>1.75%</td><td>3.99%</td><td>100.00%</td></tr><tr><td>December 31, 2011</td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Commercial</td><td>$64,437</td><td>$122</td><td>$47</td><td>$49</td><td>$218</td><td>$899</td><td>$140</td><td>$65,694</td></tr><tr><td>Commercial real estate</td><td>14,010</td><td>96</td><td>35</td><td>6</td><td>137</td><td>1,345</td><td>712</td><td>16,204</td></tr><tr><td>Equipment lease financing</td><td>6,367</td><td>22</td><td>5</td><td></td><td>27</td><td>22</td><td></td><td>6,416</td></tr><tr><td>Home equity (c)</td><td>29,288</td><td>173</td><td>114</td><td>221</td><td>508</td><td>529</td><td>2,764</td><td>33,089</td></tr><tr><td>Residential real estate (d)</td><td>7,935</td><td>302</td><td>176</td><td>2,281</td><td>2,759</td><td>726</td><td>3,049</td><td>14,469</td></tr><tr><td>Credit card</td><td>3,857</td><td>38</td><td>25</td><td>48</td><td>111</td><td>8</td><td></td><td>3,976</td></tr><tr><td>Other consumer (e)</td><td>18,355</td><td>265</td><td>145</td><td>368</td><td>778</td><td>31</td><td>2</td><td>19,166</td></tr><tr><td>Total</td><td>$144,249</td><td>$1,018</td><td>$547</td><td>$2,973</td><td>$4,538</td><td>$3,560</td><td>$6,667</td><td>$159,014</td></tr><tr><td>Percentage of total loans</td><td>90.72%</td><td>.64%</td><td>.34%</td><td>1.87%</td><td>2.85%</td><td>2.24%</td><td>4.19%</td><td>100.00%</td></tr></table>

Question: What was the average of the Home equity and Residential real estate in the years where Commercial is positive? (in million)
Answer: 20354