Annual tax provisions include amounts considered sufficient to pay probable assessments for examination of prior-year tax returns by federal, foreign, state and local jurisdictions.
Actual assessments may differ; however, we do not expect that such an outcome would have a material effect on the future financial statements for a particular year, although such an outcome is possible.
No provision for deferred taxes has been made on $860 million of unremitted earnings (primarily earnings for periods prior to 1998) that are considered to be indefinitely invested in non-U.
S.  subsidiaries.
Deferred taxes for these unremitted earnings are not practicable to estimate.
The components of deferred tax assets and liabilities at December 31 were as follows (in millions):
## Table 0 ##
Operating loss carryforwards for tax purposes were $7.5 billion at December 31, 2004.
A substantial portion of these losses has an indefinite carryforward period; the remaining losses will begin to expire in 2005.
Tax credits available to offset future tax liabilities are $2.5 billion.
A substantial portion has an indefinite carryforward period; the remainder begins to expire in 2010.
Tax benefits of operating loss and tax credit carryforwards are evaluated on an ongoing basis, including a review of historical and projected future operating results, the eligible carryforward period, and other circumstances.
Management believes that it is more likely than not that the deferred tax assets will be realized.
On October 4, 2004, President Bush signed the Working Families Tax Relief Act of 2004, which retroactively reinstated the research tax credit from the June 30, 2004 expiration date.
The reinstatement of the research tax credit was reflected in our fourth quarter 2004 results.
During the fourth quarter, we settled various issues related to federal and state audits of the period 1990 to 2000.
The primary settlement relates to foreign sales corporation claims.
The acceptance by the Internal Revenue Service of these claims, as well as the settlement of other issues related to the tax years ended 1999 to 2000, resulted in a tax benefit of $270 million.
NOTE 4.
DISCONTINUED AND HELD-FOR-SALE OPERATIONS Automotive Sector Held-for-sale Operations.
Consistent with our objectives to build on the basics and focus on core businesses, management committed in December 2004 to sell certain consolidated dealerships in the Asia Pacific and Africa/Mazda segment.
The sale of these dealerships will allow us to concentrate on the production and marketing of our products in the Asia Pacific region rather than the day-to-day retailing operations.
We expect to sell these operations during the next twelve months and have reported them as held for sale.
We recorded a pre-tax charge of $16 million reflected in Income/(loss) before income taxes related to the anticipated loss on the sale of the net assets.
The charge represents the difference between the anticipated selling price of the net assets, less costs to sell them, and their recorded book values.
We also recorded a pre-tax goodwill impairment of $64 million reflected in Income/(loss) before income taxes related to the disposal of these operations.
At December 31, 2004, the assets of the held-for-sale operations consisted primarily of receivables and inventory totaling approximately $49 million and $114 million, respectively
Corporate & Institutional Banking Corporate & Institutional Banking earned $1.9 billion in 2011 and $1.8 billion in 2010.
The increase in earnings was primarily due to an improvement in the provision for credit losses, which was a benefit in 2011, partially offset by a reduction in the value of commercial mortgage servicing rights and lower net interest income.
We continued to focus on adding new clients, increasing cross sales, and remaining committed to strong expense discipline.
Asset Management Group Asset Management Group earned $141 million for 2011 compared with $137 million for 2010.
Assets under administration were $210 billion at December 31, 2011 and $212 billion at December 31, 2010.
Earnings for 2011 reflected a benefit from the provision for credit losses and growth in noninterest income, partially offset by higher noninterest expense and lower net interest income.
For 2011, the business delivered strong sales production, grew high value clients and benefitted from significant referrals from other PNC lines of business.
Over time and with stabilized market conditions, the successful execution of these strategies and the accumulation of our strong sales performance are expected to create meaningful growth in assets under management and noninterest income.
Residential Mortgage Banking Residential Mortgage Banking earned $87 million in 2011 compared with $269 million in 2010.
The decline in earnings was driven by an increase in noninterest expense associated with increased costs for residential mortgage foreclosurerelated expenses, primarily as a result of ongoing governmental matters, and lower net interest income, partially offset by an increase in loan originations and higher loans sales revenue.
BlackRock Our BlackRock business segment earned $361 million in 2011 and $351 million in 2010.
The higher business segment earnings from BlackRock for 2011 compared with 2010 were primarily due to an increase in revenue.
Non-Strategic Assets Portfolio This business segment (formerly Distressed Assets Portfolio) consists primarily of acquired non-strategic assets that fall outside of our core business strategy.
Non-Strategic Assets Portfolio had earnings of $200 million in 2011 compared with a loss of $57 million in 2010.
The increase was primarily attributable to a lower provision for credit losses partially offset by lower net interest income.
Other “Other” reported earnings of $376 million for 2011 compared with earnings of $386 million for 2010.
The decrease in earnings primarily reflected the noncash charge related to the redemption of trust preferred securities in the fourth quarter of 2011 and the gain related to the sale of a portion of PNC’s BlackRock shares in 2010 partially offset by lower integration costs in 2011.
CONSOLIDATED INCOME STATEMENT REVIEW Our Consolidated Income Statement is presented in Item 8 of this Report.
Net income for 2011 was $3.1 billion compared with $3.4 billion for 2010.
Results for 2011 include the impact of $324 million of residential mortgage foreclosure-related expenses primarily as a result of ongoing governmental matters, a $198 million noncash charge related to redemption of trust preferred securities and $42 million for integration costs.
Results for 2010 included the $328 million after-tax gain on our sale of GIS, $387 million for integration costs, and $71 million of residential mortgage foreclosure-related expenses.
For 2010, net income attributable to common shareholders was also impacted by a noncash reduction of $250 million in connection with the redemption of TARP preferred stock.
PNC’s results for 2011 were driven by good performance in a challenging environment of low interest rates, slow economic growth and new regulations.
NET INTEREST INCOME AND NET INTEREST MARGIN
## Table 1 ##
Changes in net interest income and margin result from the interaction of the volume and composition of interest-earning assets and related yields, interest-bearing liabilities and related rates paid, and noninterest-bearing sources of funding.
See the Statistical Information (Unaudited) – Analysis Of Year-To-Year Changes In Net Interest Income and Average Consolidated Balance Sheet And Net Interest Analysis in Item 8 and the discussion of purchase accounting accretion in the Consolidated Balance Sheet Review in Item 7 of this Report for additional information.
The decreases in net interest income and net interest margin for 2011 compared with 2010 were primarily attributable to a decrease in purchase accounting accretion on purchased impaired loans primarily due to lower excess cash recoveries.
A decline in average loan balances and the low interest rate environment, partially offset by lower funding costs, also contributed to the decrease.
Bank-Owned Consumer Real Estate Related Loan Modifications
## Table 2 ##
Bank-Owned Consumer Real Estate Related Loan Modifications Re-Default by Vintage (a) (b)

<table><tr><td></td><td>2004</td><td>2003</td></tr><tr><td> Deferred tax assets</td><td></td><td></td></tr><tr><td>Employee benefit plans</td><td>$6,082</td><td>$6,721</td></tr><tr><td>Dealer and customer allowances and claims</td><td>3,196</td><td>3,177</td></tr><tr><td>Tax credit carryforwards</td><td>2,452</td><td>2,370</td></tr><tr><td>Other foreign deferred tax assets</td><td>2,639</td><td>2,012</td></tr><tr><td>Allowance for credit losses</td><td>1,957</td><td>1,930</td></tr><tr><td>All other</td><td>5,859</td><td>5,196</td></tr><tr><td>Total deferred tax assets</td><td>22,185</td><td>21,406</td></tr><tr><td> Deferred tax liabilities</td><td></td><td></td></tr><tr><td>Leasing transactions</td><td>7,662</td><td>7,956</td></tr><tr><td>Depreciation and amortization (excluding leasing transactions)</td><td>7,234</td><td>6,511</td></tr><tr><td>Finance receivables</td><td>2,826</td><td>2,953</td></tr><tr><td>All other</td><td>5,804</td><td>5,036</td></tr><tr><td>Total deferred tax liabilities</td><td>23,526</td><td>22,456</td></tr><tr><td>Net deferred tax assets/(liabilities)</td><td>$-1,341</td><td>$-1,050</td></tr></table>
<table><tr><td>Year ended December 31Dollars in millions</td><td>2011</td><td>2010</td></tr><tr><td>Net interest income</td><td>$8,700</td><td>$9,230</td></tr><tr><td>Net interest margin</td><td>3.92%</td><td>4.14%</td></tr></table>
<table><tr><td></td><td colspan="2"> December 31, 2011</td><td colspan="2">December 31, 2010</td></tr><tr><td>Dollars in millions</td><td>Number of Accounts</td><td>Unpaid Principal Balance</td><td>Number of Accounts</td><td>Unpaid Principal Balance</td></tr><tr><td> Home Equity</td><td></td><td></td><td></td><td></td></tr><tr><td>Temporary Modifications</td><td> 13,352</td><td>$1,215</td><td>12,643</td><td>$1,151</td></tr><tr><td>Permanent Modifications</td><td> 1,533</td><td>92</td><td>163</td><td>17</td></tr><tr><td>Total Home Equity</td><td> 14,885</td><td>1,307</td><td>12,806</td><td>1,168</td></tr><tr><td> Residential Mortgages</td><td></td><td></td><td></td><td></td></tr><tr><td>Permanent Modifications</td><td> 7,473</td><td>1,342</td><td>5,517</td><td>1,137</td></tr><tr><td> Non-Prime Mortgages</td><td></td><td></td><td></td><td></td></tr><tr><td>Permanent Modifications</td><td> 4,355</td><td>610</td><td>3,405</td><td>441</td></tr><tr><td> Residential Construction</td><td></td><td></td><td></td><td></td></tr><tr><td>Permanent Modifications</td><td> 1,282</td><td>578</td><td>470</td><td>235</td></tr><tr><td>Total Bank-Owned Consumer Real Estate Related Loan Modifications</td><td> 27,995</td><td>$3,837</td><td>22,198</td><td>$2,981</td></tr></table>

Question: what's the total amount of Temporary Modifications of December 31, 2011 Unpaid Principal Balance, Tax credit carryforwards of 2003, and Allowance for credit losses of 2003 ?
Answer: 5515