The fair value of our equity warrant assets recorded on our balance sheets represents our best estimate of the fair value of these instruments within the framework of existing accounting standards and guidance provided by the SEC on fair value accounting.
Changes in the above material assumptions will result in significantly different valuations.
For example, the following table demonstrates the effect of changes in the risk-free interest rate and volatility assumptions: Valuation of equity warrant assets held by SVB Financial Group active at December 31, 2006 is as follows (1):
## Table 0 ##
(1) The above table does not include equity warrant assets at December 31, 2006 held by Partners for Growth, which were valued at $1.5 million, based on 35.3% volatility and a 4.8% risk-free interest rate.
The timing and value realized from the disposition of equity warrant assets depend upon factors beyond our control, including the performance of the underlying portfolio companies, investor demand for IPOs, fluctuations in the market prices of the underlying common stock of these companies, levels of mergers and acquisitions activity, and legal and contractual restrictions on our ability to sell the underlying securities.
All of these factors are difficult to predict.
Due to the composition of our portfolio of equity warrant assets, it is likely that many of them will become impaired.
However, we are not in a position to know at the present time which specific equity warrant assets are likely to be impaired or the extent or timing of individual impairments.
Therefore, we cannot predict future gains or losses with any degree of accuracy, and any gains or losses could vary materially from period to period.
We consider accounting policies related to equity warrant assets to be critical as the valuation of these assets is complex and subject to a certain degree of management judgment.
Management has the ability to select from several valuation methodologies and has alternative approaches in the calculation of material assumptions.
The selection of an alternative valuation methodology or alternative approaches used to calculate material assumptions in the current methodology may cause our estimated values of these assets to differ significantly from the values recorded.
Additionally, the inherent uncertainty in the process of valuing these assets for which a ready market is unavailable may cause our estimated values of these assets to differ significantly from the values that would have been derived had a ready market for the assets existed, and those differences could be material.
Allowance for Loan Losses At December 31, 2006, our allowance for loan losses totaled $42.7 million, compared to $36.8 million at December 31, 2005.
The allowance for loan losses is management’s estimate of credit losses inherent in the loan portfolio at a balance sheet date.
We consider our accounting policy for the allowance for loan losses to be critical as estimation of the allowance involves material estimates by our management and is particularly susceptible to significant changes in the near term.
Determining the allowance for loan losses requires us to make forecasts that are highly uncertain and require a high degree of judgment.
Our loan loss reserve methodology is applied to our allowance for loan losses and we maintain the balances at levels that we believe to be adequate to absorb estimated probable losses inherent in our loan portfolios.
SVB FINANCIAL GROUP AND SUBSIDIARIES NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS—(Continued) services.
It also serves the needs of our non-U.
S.  clients with global banking products, including loans, deposits and global finance, in key foreign entrepreneurial markets, where applicable.  ?
Relationship Management provides banking products and services to our premium wine industry clients, including vineyard development loans, as well as a range of credit services to targeted high-net-worth individuals using both long-term secured and short-term unsecured lines of credit.  ?
SVB Capital manages primarily venture capital funds on behalf of SVB Financial Group and other third party limited partners.
The SVB Capital family of funds is comprised of funds of funds and co-investment funds.  ?
Other Business Services includes the results of our Sponsored Debt Funds & Strategic Investments segment, which is comprised of (i) our sponsored debt funds: Gold Hill Funds, which provide secured debt to private companies of all stages, and Partners for Growth Funds, which provide secured debt primarily to mid-stage and late-stage clients, and (ii) certain strategic investments held by SVB Financial.
Other Business Services also includes the results of SVB Analytics, which provides equity valuation and equity management services to private companies and venture capital/private equity firms.
The summary financial results of our operating segments are presented along with a reconciliation to our consolidated results.
The Other Items column reflects the adjustments necessary to reconcile the results of the operating segments to the consolidated financial statements prepared in conformity with GAAP.
Net interest income (loss) in the Other Items column is primarily interest income recognized from our available-for-sale securities portfolio, partially offset by interest income transferred to the segments as part of FTP.
Noninterest income in the Other Items column is primarily attributable to noncontrolling interests and gains (losses) on equity warrant assets.
For 2010, noninterest income in the Other Items column also includes $24.7 million in gains from the sale of certain available-for-sale securities.
Noninterest expense in the Other Items column primarily consists of expenses associated with corporate support functions such as information technology, finance, human resources, and legal, as well as certain corporate wide adjustments related to compensation expenses.
Additionally, average assets in the Other Items column primarily consist of cash and cash equivalents and our available-for-sale securities portfolio balances.
Our segment information as of and for the years ended December 31, 2010, 2009 and 2008 is as follows:
## Table 1 ##
Because we can net settle our warrant agreements, our equity warrant assets qualify as derivative instruments in accordance with the provisions of ASC 815, Derivatives and Hedging .
The fair value of the equity warrant assets portfolio is reviewed quarterly.
We value our equity warrant assets using a modified BlackScholes option pricing model, which incorporates the following material assumptions: An underlying asset value, which is estimated based on current information available, including any information regarding subsequent rounds of funding.  ?
Price volatility or the amount of uncertainty or risk about the magnitude of the changes in the warrant price.
The volatility assumption is based on historical price volatility of publicly traded companies within indices similar in nature to the underlying client companies issuing the warrant.
The actual volatility input is based on the median volatility for an individual public company within an index for the past 16 quarters from which an average volatility was derived.
The weighted average quarterly median volatility assumption used for the warrant valuation at December 31, 2010 was 50.7 percent, compared to 50.5 percent at December 31, 2009.  ?
Actual data on cancellations and exercises of our equity warrant assets are utilized as the basis for determining the expected remaining life of the equity warrant assets in each financial reporting period.
Equity warrant assets may be exercised in the event of acquisitions, mergers or IPOs, and cancelled due to events such as bankruptcies, restructuring activities or additional financings.
These events cause the expected remaining life assumption to be shorter than the contractual term of the warrants.
This assumption reduced the reported value of the warrant portfolio by $13.8 million at December 31, 2010, compared to a reduction of $17.4 million at December 31, 2009.  ?
The risk-free interest rate is derived from the Treasury yield curve and is calculated based on a weighted average of the risk-free interest rates that correspond closest to the expected remaining life of the warrant.
The risk-free interest rate used for the warrant valuation at December 31, 2010 was 1.0 percent, compared to 1.4 percent at December 31, 2009.  ?
Other adjustments, including a marketability discount, are estimated based on management’s judgment about the general industry environment.
The fair value of our equity warrant assets recorded on our balance sheets represents our best estimate of the fair value of these instruments.
Changes in the above material assumptions may result in significantly different valuations.
For example, the following table demonstrates the effect of changes in the risk-free interest rate and volatility assumptions on the valuation of equity warrant assets held by SVB Financial Group active at December 31, 2010 (1):
## Table 2 ##
(1) The above table does not include equity warrant assets at December 31, 2010 held by Partners for Growth, LP, which were valued at $0.7 million.
The timing and value realized from the disposition of equity warrant assets depend upon factors beyond our control, including the performance of the underlying portfolio companies, investor demand for IPOs, fluctuations in the market prices of the underlying common stock of these companies, levels of mergers and acquisitions activity, and legal and contractual restrictions on our ability to sell the underlying securities.
All of these factors are difficult to predict.
Many equity warrant assets may be terminated or may expire without compensation and may incur valuation losses from lower-priced funding rounds.
We are unable to predict future gains or losses with accuracy, and gains or losses could vary materially from period to period.
Note 4 - Goodwill and Other Intangible Assets: Goodwill The Company had approximately $93.2 million and $94.4 million of goodwill at December 30, 2017 and December 31, 2016, respectively.
The changes in the carrying amount of goodwill for the years ended December 30, 2017 and December 31, 2016 are as follows (in thousands):
## Table 3 ##
Goodwill is allocated to each identified reporting unit, which is defined as an operating segment or one level below the operating segment.
Goodwill is not amortized, but is evaluated for impairment annually and whenever events or changes in circumstances indicate the carrying value of goodwill may not be recoverable.
The Company completes its impairment evaluation by performing valuation analyses and considering other publicly available market information, as appropriate.
The test used to identify the potential for goodwill impairment compares the fair value of a reporting unit with its carrying value.
An impairment charge would be recorded to the Company’s operations for the amount, if any, in which the carrying value exceeds the fair value.
In the fourth quarter of fiscal 2017, the Company completed its annual impairment testing of goodwill and no impairment was identified.
The Company determined that the fair value of each reporting unit (including goodwill) was in excess of the carrying value of the respective reporting unit.
In reaching this conclusion, the fair value of each reporting unit was determined based on either a market or an income approach.
Under the market approach, the fair value is based on observed market data.
Other Intangible Assets The Company had approximately $31.3 million of intangible assets other than goodwill at December 30, 2017 and December 31, 2016.
The intangible asset balance represents the estimated fair value of the Petsense tradename, which is not subject to amortization as it has an indefinite useful life on the basis that it is expected to contribute cash flows beyond the foreseeable horizon.
With respect to intangible assets, we evaluate for impairment annually and whenever events or changes in circumstances indicate that the carrying value may not be recoverable.
We recognize an impairment loss only if the carrying amount is not recoverable through its discounted cash flows and measure the impairment loss based on the difference between the carrying value and fair value.
In the fourth quarter of fiscal 2017, the Company completed its annual impairment testing of intangible assets and no impairment was identified.

<table><tr><td> </td><td colspan="3"> Volatility Factor</td></tr><tr><td> (Dollars in millions)</td><td> 10% Lower</td><td> Current -42.1%</td><td> 10% Higher</td></tr><tr><td> Risk Free Interest Rate</td><td></td><td></td><td></td></tr><tr><td>Less 100 basis points</td><td>$31.5</td><td>$35.5</td><td>$39.5</td></tr><tr><td>Current rate -4.8%</td><td>32.4</td><td>36.2</td><td>40.2</td></tr><tr><td>Plus 100 basis points</td><td>$33.2</td><td>$37.1</td><td>$40.9</td></tr></table>
<table><tr><td> (Dollars in thousands)</td><td>Global Commercial Bank</td><td>Relationship Management</td><td>SVB Capital -1</td><td>Other Business Services -1</td><td>Other Items</td><td>Total</td></tr><tr><td> Year ended December 31, 2010</td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Net interest income</td><td>$346,858</td><td>$33,839</td><td>$—</td><td>$246</td><td>$37,192</td><td>$418,135</td></tr><tr><td>Provision for loan losses</td><td>-39,285</td><td>-5,126</td><td>—</td><td>—</td><td>-217</td><td>-44,628</td></tr><tr><td>Noninterest income</td><td>121,980</td><td>1,507</td><td>18,778</td><td>14,798</td><td>90,467</td><td>247,530</td></tr><tr><td>Noninterest expense -2</td><td>-235,295</td><td>-20,345</td><td>-15,063</td><td>-15,113</td><td>-137,002</td><td>-422,818</td></tr><tr><td>Income (loss) before income tax expense (3)</td><td>$194,258</td><td>$9,875</td><td>$3,715</td><td>$-69</td><td>$-9,560</td><td>$198,219</td></tr><tr><td>Total average loans</td><td>$3,444,496</td><td>$965,995</td><td>$—</td><td>$—</td><td>$25,420</td><td>$4,435,911</td></tr><tr><td>Total average assets</td><td>3,715,739</td><td>966,900</td><td>116,690</td><td>93,471</td><td>9,965,436</td><td>14,858,236</td></tr><tr><td>Total average deposits</td><td>11,847,355</td><td>193,820</td><td>—</td><td>—</td><td>-12,848</td><td>12,028,327</td></tr><tr><td> Year ended December 31, 2009</td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Net interest income (loss)</td><td>$360,391</td><td>$34,689</td><td>$-16</td><td>$-241</td><td>$-12,673</td><td>$382,150</td></tr><tr><td>Provision for loan losses</td><td>-76,011</td><td>-13,955</td><td>—</td><td>—</td><td>-214</td><td>-90,180</td></tr><tr><td>Noninterest income (loss)</td><td>108,307</td><td>1,356</td><td>6,521</td><td>6,078</td><td>-24,519</td><td>97,743</td></tr><tr><td>Noninterest expense, excluding impairment of goodwill -2</td><td>-181,814</td><td>-14,432</td><td>-14,487</td><td>-11,979</td><td>-117,062</td><td>-339,774</td></tr><tr><td>Impairment of goodwill</td><td>—</td><td>—</td><td>—</td><td>-4,092</td><td>—</td><td>-4,092</td></tr><tr><td>Income (loss) before income tax expense (3)</td><td>$210,873</td><td>$7,658</td><td>$-7,982</td><td>$-10,234</td><td>$-154,468</td><td>$45,847</td></tr></table>
<table><tr><td></td><td colspan="3"> Volatility Factor</td></tr><tr><td> (Dollars in millions)</td><td> 10% Lower -45.6%</td><td> Current -50.7%</td><td> 10% Higher -55.8%</td></tr><tr><td> Risk free interest rate:</td><td></td><td></td><td></td></tr><tr><td>Less 50 basis points</td><td>$44.0</td><td>$46.5</td><td>$48.9</td></tr><tr><td>Current rate -1.0%</td><td>44.4</td><td>46.9</td><td>49.3</td></tr><tr><td>Plus 50 basis points</td><td>44.9</td><td>47.3</td><td>49.8</td></tr></table>
<table><tr><td></td><td>2017</td><td>2016</td></tr><tr><td>Balance, beginning of year</td><td>$94,417</td><td>$10,258</td></tr><tr><td>Goodwill acquired as part of acquisition</td><td>—</td><td>84,159</td></tr><tr><td>Working capital settlement</td><td>-1,225</td><td>—</td></tr><tr><td>Impairment loss</td><td>—</td><td>—</td></tr><tr><td>Balance, end of year</td><td>$93,192</td><td>$94,417</td></tr></table>

Question: What is the sum of Income (loss) before income tax expense in 2010 for Total? (in thousand)
Answer: 198219