Noninterest Expense
## Table 0 ##
Noninterest Expense increased $6.9 billion to $27.0 billion in 2004, due primarily to the addition of FleetBoston, which contributed $5.0 billion of Noninterest Expense.  ?
Personnel Expense increased $3.0 billion due to the $2.3 billion impact of FleetBoston associates.  ?
Marketing Expense increased $364 million due to increased advertising for card programs and increased advertising costs in the Northeast.  ?
Amortization of Intangibles increased $447 million driven by the amortization of intangible assets acquired in the Merger.  ?
Other General Operating Expense increased $1.5 billion related to the $904 million impact of the addition of FleetBoston, $370 million of litigation expenses incurred during 2004 and the $285 million related to the mutual fund settlement (net of a $90 million reserve established in 2003).
This net settlement expense was divided equally between Global Capital Markets and Investment Banking and Global Wealth and Investment Management for business segment reporting purposes.  ?
Merger and Restructuring Charges, including an infrastructure initiative, were $618 million in connection with the integration of FleetBoston’s operations.
For more information on Merger and Restructuring Charges, see Note 2 of the Consolidated Financial Statements.
For more information on Noninterest Expense, see Business Segment Operations beginning on page 40.
Income Tax Expense Income Tax Expense was $7.1 billion, reflecting an effective tax rate of 33.4 percent, in 2004 compared to $5.1 billion and 31.8 percent, respectively, in 2003.
The difference in the effective tax rate between years resulted primarily from the application of purchase accounting to certain leveraged leases acquired in the Merger, an increase in state tax expense generally related to higher tax rates in the Northeast and the reduction in 2003 of Income Tax Expense resulting from a tax settlement with the IRS.
For more information on Income Tax Expense, see Note 17 of the Consolidated Financial Statements.
Assets Average Loans and Leases increased $116.5 billion, or 33 percent, in 2004.
Of this increase, $88.9 billion related to the addition of FleetBoston.
The remaining increase was driven by growth in our residential mortgage and consumer credit card portfolios of $16.1 billion and $10.1 billion, respectively.
Average Available-for-sale (AFS) Securities increased $79.7 billion, or 114 percent, as a result of investing excess cash from deposit growth and repositioning our ALM portfolio.
Additionally, average trading-related assets increased $55.0 billion as we expanded our trading book to accommodate the needs of our clients.
For more information, see Table I on page 84.
Liabilities and Shareholders’ Equity Average core deposits increased $130.7 billion, or 36 percent.
Of this increase, $95.6 billion is attributable to the addition of FleetBoston.
The remaining increase was attributable to organic growth which resulted from our continued improvements in customer satisfaction, new product offerings and our account growth efforts.
At December 31, 2004, our Tier 1 Capital ratio was 8.10 percent, compared to a ratio of 7.85 percent at December 31, 2003.
For more information, see Table I on page 84 and Note 14 of the Consolidated Financial Statements.
FleetBoston Merger Pursuant to the Agreement and Plan of Merger, dated October 27, 2003, between the Corporation and FleetBoston (the Merger Agreement), we acquired 100 percent of the outstanding stock of FleetBoston on April 1, 2004.
The Merger created a banking institution with leading market shares throughout the Northeast, Southeast, Southwest and West regions of the United States.
FleetBoston’s results of operations were included in the Corporation’s results beginning April 1, 2004.
As provided by the Merger Agreement, approximately 1.069 billion shares of FleetBoston common stock were exchanged for approximately 1.187 billion shares of the Corporation’s common stock, as adjusted for the stock split.
At the date of the Merger, this represented approximately 29 percent of the Corporation’s outstanding common stock.
FleetBoston shareholders also received cash of $4 million in lieu of any fractional shares of the Corporation’s common stock that would have otherwise been issued on April 1, 2004.
Holders of FleetBoston preferred stock received 1.1 million shares of the Corporation’s preferred stock.
The purchase price was adjusted to reflect the effect of the 15.7 million shares of FleetBoston common stock that we already owned.
BANK OF AMERICA CORPORATION AND SUBSIDIARIES Notes to Consolidated Financial Statements—(Continued) At December 31, 2005 and 2004, Bank of America Corporation was authorized to issue approximately $27.0 billion and $37.1 billion of additional corporate debt and other securities under its existing shelf registration statements.
At December 31, 2005 and 2004, Bank of America, N. A.  was authorized to issue approximately $9.5 billion and $27.2 billion of bank notes and Euro medium-term notes.
The weighted average effective interest rates for total long-term debt, total fixed-rate debt and total floating-rate debt (based on the rates in effect at December 31, 2005) were 5.22 percent, 5.53 percent and 4.31 percent, respectively, at December 31, 2005 and (based on the rates in effect at December 31, 2004) were 4.97 percent, 5.64 percent and 2.69 percent, respectively, at December 31, 2004.
These obligations were denominated primarily in U. S.  dollars.
Aggregate annual maturities of long-term debt obligations (based on final maturity dates) at December 31, 2005 are as follows:
## Table 1 ##
Trust Preferred Securities Trust preferred securities (Trust Securities) are issued by the trust companies (the Trusts) that were deconsolidated by the Corporation as a result of the adoption of FIN 46R.
These Trust Securities are mandatorily redeemable preferred security obligations of the Trusts.
The sole assets of the Trusts are Junior Subordinated Deferrable Interest Notes of the Corporation (the Notes).
The Trusts are 100 percent owned finance subsidiaries of the Corporation.
Obligations associated with these securities are included in junior subordinated notes related to Trust Securities in the Long-term Debt table on page 122.
See Note 15 of the Consolidated Financial Statements for a discussion regarding the treatment for regulatory capital purposes of the Trust Securities.
At December 31, 2005, the Corporation had 32 Trusts which have issued Trust Securities to the public.
Certain of the Trust Securities were issued at a discount and may be redeemed prior to maturity at the option of the Corporation.
The Trusts have invested the proceeds of such Trust Securities in the Notes.
Each issue of the Notes has an interest rate equal to the corresponding Trust Securities distribution rate.
The Corporation has the right to defer payment of interest on the Notes at any time or from time to time for a period not exceeding five years provided that no extension period may extend beyond the stated maturity of the relevant Notes.
During any such extension period, distributions on the Trust Securities will also be deferred, and the Corporation’s ability to pay dividends on its common and preferred stock will be restricted.
The Trust Securities are subject to mandatory redemption upon repayment of the related Notes at their stated maturity dates or their earlier redemption at a redemption price equal to their liquidation amount plus accrued distributions to the date fixed for redemption and the premium, if any, paid by the Corporation upon concurrent repayment of the related Notes.
Periodic cash payments and payments upon liquidation or redemption with respect to Trust Securities are guaranteed by the Corporation to the extent of funds held by the Trusts (the Preferred Securities Guarantee).
The Preferred Securities Guarantee, when taken together with the Corporation’s other obligations, including its obligations under the Notes, will constitute a full and unconditional guarantee, on a subordinated basis, by the Corporation of payments due on the Trust Securities.
Table XIII Quarterly Average Balances and Interest Rates – FTE Basis (continued)
## Table 2 ##
For footnotes see page 138.
THE GOLDMAN SACHS GROUP, INC.  AND SUBSIDIARIES Management’s Discussion and Analysis Net Revenues The table below presents our net revenues by line item in the consolidated statements of earnings.

<table><tr><td> (Dollars in millions)</td><td> 2004 </td><td> 2003  </td></tr><tr><td>Personnel</td><td>$13,473</td><td>$10,446</td></tr><tr><td>Occupancy</td><td>2,379</td><td>2,006</td></tr><tr><td>Equipment</td><td>1,214</td><td>1,052</td></tr><tr><td>Marketing</td><td>1,349</td><td>985</td></tr><tr><td>Professional fees</td><td>836</td><td>844</td></tr><tr><td>Amortization of intangibles</td><td>664</td><td>217</td></tr><tr><td>Data processing</td><td>1,325</td><td>1,104</td></tr><tr><td>Telecommunications</td><td>730</td><td>571</td></tr><tr><td>Other general operating</td><td>4,439</td><td>2,930</td></tr><tr><td>Merger and restructuring charges</td><td>618</td><td>—</td></tr><tr><td> Total noninterest expense</td><td>$27,027</td><td>$20,155</td></tr></table>
<table><tr><td> (Dollars in millions)</td><td> 2006 </td><td> 2007 </td><td> 2008 </td><td> 2009 </td><td> 2010 </td><td> Thereafter </td><td> Total </td></tr><tr><td>Bank of America Corporation</td><td>$6,834</td><td>$5,250</td><td>$13,998</td><td>$8,222</td><td>$11,442</td><td>$42,526</td><td>$88,272</td></tr><tr><td>Bank of America, N.A. and other subsidiaries</td><td>1,615</td><td>1,839</td><td>2,345</td><td>718</td><td>50</td><td>1,393</td><td>7,960</td></tr><tr><td>NB Holdings Corporation</td><td>—</td><td>—</td><td>—</td><td>—</td><td>—</td><td>773</td><td>773</td></tr><tr><td>Other</td><td>2,739</td><td>562</td><td>71</td><td>20</td><td>237</td><td>214</td><td>3,843</td></tr><tr><td> Total</td><td>$11,188</td><td>$7,651</td><td>$16,414</td><td>$8,960</td><td>$11,729</td><td>$44,906</td><td>$100,848</td></tr></table>
<table><tr><td></td><td colspan="3">Second Quarter 2012</td><td colspan="3">First Quarter 2012</td><td colspan="3">Fourth Quarter 2011</td></tr><tr><td>(Dollars in millions)</td><td>AverageBalance</td><td>InterestIncome/Expense</td><td>Yield/Rate</td><td>AverageBalance</td><td>InterestIncome/Expense</td><td>Yield/Rate</td><td>AverageBalance</td><td>InterestIncome/Expense</td><td>Yield/Rate</td></tr><tr><td>Earning assets</td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Time deposits placed and other short-term investments<sup>-1</sup></td><td>$27,476</td><td>$64</td><td>0.94%</td><td>$31,404</td><td>$65</td><td>0.83%</td><td>$27,688</td><td>$85</td><td>1.19%</td></tr><tr><td>Federal funds sold and securities borrowed or purchased under agreements to resell</td><td>234,148</td><td>360</td><td>0.62</td><td>233,061</td><td>460</td><td>0.79</td><td>237,453</td><td>449</td><td>0.75</td></tr><tr><td>Trading account assets</td><td>180,694</td><td>1,302</td><td>2.89</td><td>175,778</td><td>1,399</td><td>3.19</td><td>161,848</td><td>1,354</td><td>3.33</td></tr><tr><td>Debt securities<sup>-2</sup></td><td>342,244</td><td>1,907</td><td>2.23</td><td>327,758</td><td>2,732</td><td>3.33</td><td>332,990</td><td>2,245</td><td>2.69</td></tr><tr><td>Loans and leases<sup>-3</sup>:</td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Residential mortgage<sup>-4</sup></td><td>255,349</td><td>2,462</td><td>3.86</td><td>260,573</td><td>2,489</td><td>3.82</td><td>266,144</td><td>2,596</td><td>3.90</td></tr><tr><td>Home equity</td><td>119,657</td><td>1,090</td><td>3.66</td><td>122,933</td><td>1,164</td><td>3.80</td><td>126,251</td><td>1,207</td><td>3.80</td></tr><tr><td>Discontinued real estate</td><td>11,144</td><td>94</td><td>3.36</td><td>12,082</td><td>103</td><td>3.42</td><td>14,073</td><td>128</td><td>3.65</td></tr><tr><td>U.S. credit card</td><td>95,018</td><td>2,356</td><td>9.97</td><td>98,334</td><td>2,459</td><td>10.06</td><td>102,241</td><td>2,603</td><td>10.10</td></tr><tr><td>Non-U.S. credit card</td><td>13,641</td><td>396</td><td>11.68</td><td>14,151</td><td>408</td><td>11.60</td><td>15,981</td><td>420</td><td>10.41</td></tr><tr><td>Direct/Indirect consumer<sup>-5</sup></td><td>84,198</td><td>733</td><td>3.50</td><td>88,321</td><td>801</td><td>3.65</td><td>90,861</td><td>863</td><td>3.77</td></tr><tr><td>Other consumer<sup>-6</sup></td><td>2,565</td><td>41</td><td>6.41</td><td>2,617</td><td>40</td><td>6.24</td><td>2,751</td><td>41</td><td>6.14</td></tr><tr><td>Total consumer</td><td>581,572</td><td>7,172</td><td>4.95</td><td>599,011</td><td>7,464</td><td>5.00</td><td>618,302</td><td>7,858</td><td>5.06</td></tr><tr><td>U.S. commercial</td><td>199,644</td><td>1,742</td><td>3.51</td><td>195,111</td><td>1,756</td><td>3.62</td><td>196,778</td><td>1,798</td><td>3.63</td></tr><tr><td>Commercial real estate<sup>-7</sup></td><td>37,627</td><td>323</td><td>3.46</td><td>39,190</td><td>339</td><td>3.48</td><td>40,673</td><td>343</td><td>3.34</td></tr><tr><td>Commercial lease financing</td><td>21,446</td><td>216</td><td>4.02</td><td>21,679</td><td>272</td><td>5.01</td><td>21,278</td><td>204</td><td>3.84</td></tr><tr><td>Non-U.S. commercial</td><td>59,209</td><td>369</td><td>2.50</td><td>58,731</td><td>391</td><td>2.68</td><td>55,867</td><td>395</td><td>2.80</td></tr><tr><td>Total commercial</td><td>317,926</td><td>2,650</td><td>3.35</td><td>314,711</td><td>2,758</td><td>3.52</td><td>314,596</td><td>2,740</td><td>3.46</td></tr><tr><td>Total loans and leases</td><td>899,498</td><td>9,822</td><td>4.38</td><td>913,722</td><td>10,222</td><td>4.49</td><td>932,898</td><td>10,598</td><td>4.52</td></tr><tr><td>Other earning assets</td><td>88,508</td><td>719</td><td>3.26</td><td>86,382</td><td>743</td><td>3.46</td><td>91,109</td><td>904</td><td>3.95</td></tr><tr><td>Total earning assets<sup>-8</sup></td><td>1,772,568</td><td>14,174</td><td>3.21</td><td>1,768,105</td><td>15,621</td><td>3.55</td><td>1,783,986</td><td>15,635</td><td>3.49</td></tr><tr><td>Cash and cash equivalents<sup>-1</sup></td><td>116,025</td><td>52</td><td></td><td>112,512</td><td>47</td><td></td><td>94,287</td><td>36</td><td></td></tr><tr><td>Other assets, less allowance for loan and lease losses</td><td>305,970</td><td></td><td></td><td>306,557</td><td></td><td></td><td>329,294</td><td></td><td></td></tr><tr><td>Total assets</td><td>$2,194,563</td><td></td><td></td><td>$2,187,174</td><td></td><td></td><td>$2,207,567</td><td></td><td></td></tr><tr><td>Interest-bearing liabilities</td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>U.S. interest-bearing deposits:</td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Savings</td><td>$42,394</td><td>$14</td><td>0.13%</td><td>$40,543</td><td>$14</td><td>0.14%</td><td>$39,609</td><td>$16</td><td>0.16%</td></tr><tr><td>NOW and money market deposit accounts</td><td>460,788</td><td>188</td><td>0.16</td><td>458,649</td><td>186</td><td>0.16</td><td>454,249</td><td>192</td><td>0.17</td></tr><tr><td>Consumer CDs and IRAs</td><td>96,858</td><td>171</td><td>0.71</td><td>100,044</td><td>194</td><td>0.78</td><td>103,488</td><td>220</td><td>0.84</td></tr><tr><td>Negotiable CDs, public funds and other deposits</td><td>21,661</td><td>35</td><td>0.65</td><td>22,586</td><td>36</td><td>0.64</td><td>22,413</td><td>34</td><td>0.60</td></tr><tr><td>Total U.S. interest-bearing deposits</td><td>621,701</td><td>408</td><td>0.26</td><td>621,822</td><td>430</td><td>0.28</td><td>619,759</td><td>462</td><td>0.30</td></tr><tr><td>Non-U.S. interest-bearing deposits:</td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Banks located in non-U.S. countries</td><td>14,598</td><td>25</td><td>0.69</td><td>18,170</td><td>28</td><td>0.62</td><td>20,454</td><td>29</td><td>0.55</td></tr><tr><td>Governments and official institutions</td><td>895</td><td>1</td><td>0.37</td><td>1,286</td><td>1</td><td>0.41</td><td>1,466</td><td>1</td><td>0.36</td></tr><tr><td>Time, savings and other</td><td>52,584</td><td>85</td><td>0.65</td><td>55,241</td><td>90</td><td>0.66</td><td>57,814</td><td>124</td><td>0.85</td></tr><tr><td>Total non-U.S. interest-bearing deposits</td><td>68,077</td><td>111</td><td>0.65</td><td>74,697</td><td>119</td><td>0.64</td><td>79,734</td><td>154</td><td>0.77</td></tr><tr><td>Total interest-bearing deposits</td><td>689,778</td><td>519</td><td>0.30</td><td>696,519</td><td>549</td><td>0.32</td><td>699,493</td><td>616</td><td>0.35</td></tr><tr><td>Federal funds purchased, securities loaned or sold under agreements to repurchase and other short-term borrowings</td><td>318,909</td><td>943</td><td>1.19</td><td>293,056</td><td>881</td><td>1.21</td><td>284,766</td><td>921</td><td>1.28</td></tr><tr><td>Trading account liabilities</td><td>84,728</td><td>448</td><td>2.13</td><td>71,872</td><td>477</td><td>2.67</td><td>70,999</td><td>411</td><td>2.29</td></tr><tr><td>Long-term debt</td><td>333,173</td><td>2,534</td><td>3.05</td><td>363,518</td><td>2,708</td><td>2.99</td><td>389,557</td><td>2,764</td><td>2.80</td></tr><tr><td>Total interest-bearing liabilities<sup>-8</sup></td><td>1,426,588</td><td>4,444</td><td>1.25</td><td>1,424,965</td><td>4,615</td><td>1.30</td><td>1,444,815</td><td>4,712</td><td>1.29</td></tr><tr><td>Noninterest-bearing sources:</td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Noninterest-bearing deposits</td><td>343,110</td><td></td><td></td><td>333,593</td><td></td><td></td><td>333,038</td><td></td><td></td></tr><tr><td>Other liabilities</td><td>189,307</td><td></td><td></td><td>196,050</td><td></td><td></td><td>201,479</td><td></td><td></td></tr><tr><td>Shareholders’ equity</td><td>235,558</td><td></td><td></td><td>232,566</td><td></td><td></td><td>228,235</td><td></td><td></td></tr><tr><td>Total liabilities and shareholders’ equity</td><td>$2,194,563</td><td></td><td></td><td>$2,187,174</td><td></td><td></td><td>$2,207,567</td><td></td><td></td></tr><tr><td>Net interest spread</td><td></td><td></td><td>1.96%</td><td></td><td></td><td>2.25%</td><td></td><td></td><td>2.20%</td></tr><tr><td>Impact of noninterest-bearing sources</td><td></td><td></td><td>0.24</td><td></td><td></td><td>0.25</td><td></td><td></td><td>0.24</td></tr><tr><td>Net interest income/yield on earning assets<sup>-1</sup></td><td></td><td>$9,730</td><td>2.20%</td><td></td><td>$11,006</td><td>2.50%</td><td></td><td>$10,923</td><td>2.44%</td></tr></table>

Question: What's the sum of the U.S. credit card in the years where Discontinued real estate is positive? (in million)
Answer: 193352