v3.25.4
Loans And The Allowance For Credit Losses (Tables)
 12 Months Ended
Dec. 31, 2025
Receivables [Abstract]  
Analysis Of The Allowance For Credit Losses By Portfolio Segment
The following tables present analyses of the allowance for credit losses by portfolio segment for December 31, 2025, 2024 and 2023.
 2025
 CommercialInvestor Real
Estate		ConsumerTotal
 (In millions)
Allowance for loan losses, January 1, 2025$743 $240 $630 $1,613 
Provision for loan losses248 (61)269 456 
Loan losses:
Charge-offs(280)(62)(263)(605)
Recoveries44 3 45 92 
Net loan losses(236)(59)(218)(513)
Allowance for loan losses, December 31, 20257551206811,556
Reserve for unfunded credit commitments, January 1, 202591 7 18 116 
Provision for (benefit from) unfunded credit losses4 8 2 14 
Reserve for unfunded credit commitments, December 31, 202595 15 20 130 
Allowance for credit losses, December 31, 2025$850 $135 $701 $1,686 
2024
CommercialInvestor Real
Estate		ConsumerTotal
(In millions)
Allowance for loan losses, January 1, 2024$722 $192 $662 $1,576 
Provision for loan losses222 87 186 495 
Loan losses:
Charge-offs(261)(42)(258)(561)
Recoveries60 3 40 103 
Net loan losses(201)(39)(218)(458)
Allowance for loan losses, December 31, 20247432406301,613
Reserve for unfunded credit commitments, January 1, 202492 13 19 124 
Provision for (benefit from) unfunded credit losses(1)(6)(1)(8)
Reserve for unfunded credit commitments, December 31, 202491 7 18 116 
Allowance for credit losses, December 31, 2024$834 $247 $648 $1,729 
2023
CommercialInvestor Real
Estate		ConsumerTotal
(In millions)
Allowance for loan losses, December 31, 2022
$665 $121 $678 $1,464 
Cumulative effect of accounting guidance (1)
(3)(3)(32)(38)
Allowance for loan losses, January 1, 2023 (adjusted for change in accounting guidance)
$662 $118 $646 $1,426 
Provision for loan losses205 74 268 547 
Loan losses:
Charge-offs(197)— (293)(490)
Recoveries52 — 41 93 
Net loan losses(145)— (252)(397)
Allowance for loan losses, December 31, 2023
7221926621,576
Reserve for unfunded credit commitments, January 1, 2023
72 21 25 118 
Provision for (benefit from) unfunded credit losses20 (8)(6)6 
Reserve for unfunded credit commitments, December 31, 2023
92 13 19 124 
Allowance for credit losses, December 31, 2023
$814 $205 $681 $1,700 
Financing Receivable Credit Quality Indicators
December 31, 2025
Term LoansRevolving Loans Revolving Loans Converted to Amortizing
Other (1)
Total
20252024202320222021Prior
(In millions)
Commercial and industrial:
Risk rating:
   Pass$9,993 $5,700 $2,683 $3,593 $1,866 $3,540 $19,167 $— $254 $46,796 
   Special Mention70 29 107 133 40 9 190 — — 578 
   Substandard Accrual159 30 184 137 5 13 414 — — 942 
   Non-accrual49 88 118 36 17 27 139 — — 474 
Total commercial and industrial$10,271 $5,847 $3,092 $3,899 $1,928 $3,589 $19,910 $— $254 $48,790 
Commercial real estate mortgage—owner-occupied:
Risk rating:
   Pass$756 $706 $589 $735 $662 $1,000 $112 $— $(5)$4,555 
   Special Mention4 18 7 28 29 18 1 — — 105 
   Substandard Accrual39 13 14 15 30 27 2 — — 140 
   Non-accrual1 4 2 10 12 16 — — — 45 
Total commercial real estate mortgage—owner-occupied:$800 $741 $612 $788 $733 $1,061 $115 $— $(5)$4,845 
December 31, 2025
Term LoansRevolving Loans Revolving Loans Converted to Amortizing
Other (1)
Total
20252024202320222021PriorRevolving Loans Revolving Loans Converted to Amortizing
Other (1)
Total
(In millions)
Commercial real estate construction—owner-occupied:
Risk rating:
   Pass$75 $24 $29 $29 $23 $45 $14 $— $— $239 
   Special Mention— 7 — 7 — 2 — — — 16 
   Substandard Accrual6 — — — — — — — — 6 
   Non-accrual— 1 — — — 1 — — — 2 
Total commercial real estate construction—owner-occupied:$81 $32 $29 $36 $23 $48 $14 $— $— $263 
Total commercial$11,152 $6,620 $3,733 $4,723 $2,684 $4,698 $20,039 $— $249 $53,898 
Commercial investor real estate mortgage:
Risk rating:
   Pass$2,802 $806 $637 $960 $309 $180 $531 $— $(6)$6,219 
   Special Mention144 — 59 135 1 1 — — — 340 
   Substandard Accrual251 — 22 109 93 — 17 — — 492 
   Non-accrual— 49 — 27 — 4 41 — — 121 
Total commercial investor real estate mortgage$3,197 $855 $718 $1,231 $403 $185 $589 $— $(6)$7,172 
Commercial investor real estate construction:
Risk rating:
   Pass$321 $446 $276 $162 $— $1 $660 $— $(13)$1,853 
   Special Mention2 4 — — — — 18 — — 24 
   Substandard Accrual— — — 42 — — 15 — — 57 
   Non-accrual— — — — — — — — — — 
Total commercial investor real estate construction$323 $450 $276 $204 $— $1 $693 $— $(13)$1,934 
Total investor real estate$3,520 $1,305 $994 $1,435 $403 $186 $1,282 $— $(19)$9,106 
Residential first mortgage:
FICO scores:
   Above 720$1,270 $1,161 $1,734 $2,507 $3,690 $5,934 $— $— $— $16,296 
   681-72094 85 147 203 243 469 — — — 1,241 
   620-68044 47 74 122 149 359 — — — 795 
   Below 62013 46 104 164 163 545 — — — 1,035 
   Data not available49 26 15 13 33 92 2 — 168 398 
Total residential first mortgage$1,470 $1,365 $2,074 $3,009 $4,278 $7,399 $2 $— $168 $19,765 
Home equity lines:
FICO scores:
   Above 720$— $— $— $— $— $— $2,443 $61 — $2,504 
   681-720— — — — — — 346 14 — 360 
   620-680— — — — — — 198 12 — 210 
   Below 620— — — — — — 117 9 — 126 
   Data not available— — — — — — — — 32 32 
Total home equity lines$— $— $— $— $— $— $3,104 $96 $32 $3,232 
Home equity loans:
FICO scores:
   Above 720$326 $254 $204 $255 $272 $488 $— $— $— $1,799 
   681-72053 46 32 39 31 57 — — — 258 
   620-68019 22 18 21 21 50 — — — 151 
   Below 6203 9 14 16 16 43 — — — 101 
   Data not available— — — — — — — — 15 15 
Total home equity loans$401 $331 $268 $331 $340 $638 $— $— $15 $2,324 
December 31, 2025
Term LoansRevolving Loans Revolving Loans Converted to Amortizing
Other (1)
Total
20252024202320222021PriorRevolving Loans Revolving Loans Converted to Amortizing
Other (1)
Total
(In millions)
Consumer credit card:
FICO scores:
Above 720$— $— $— $— $— $— $874 $— $— $874 
681-720— — — — — — 286 — — 286 
620-680— — — — — — 246 — — 246 
Below 620— — — — — — 125 — — 125 
Data not available— — — — — — 6 — (18)(12)
Total consumer credit card$— $— $— $— $— $— $1,537 $— $(18)$1,519 
Other consumer(2):
FICO scores:
   Above 720$717 $611 $802 $1,133 $340 $346 $113 $— $— $4,062 
   681-720123 103 133 210 66 57 62 — — 754 
   620-68065 61 79 152 50 40 49 — — 496 
   Below 62016 27 46 104 33 26 31 — — 283 
   Data not available112 2 4 11 6 138 — — (75)198 
Total other consumer$1,033 $804 $1,064 $1,610 $495 $607 $255 $— $(75)$5,793 
Total consumer loans$2,904 $2,500 $3,406 $4,950 $5,113 $8,644 $4,898 $96 $122 $32,633 
Total Loans$17,576 $10,425 $8,133 $11,108 $8,200 $13,528 $26,219 $96 $352 $95,637 
December 31, 2024
Term LoansRevolving Loans Revolving Loans Converted to Amortizing
Other (1)
Total
20242023202220212020Prior
(In millions)
Commercial and industrial:
Risk rating:
   Pass$8,285 $4,798 $6,295 $3,284 $1,526 $3,446 $19,165 $— $114 $46,913 
   Special Mention59 309 173 61 3 41 460 — — 1,106 
   Substandard Accrual81 179 255 79 32 84 534 — — 1,244 
   Non-accrual48 90 124 37 5 6 98 — — 408 
Total commercial and industrial$8,473 $5,376 $6,847 $3,461 $1,566 $3,577 $20,257 $— $114 $49,671 
Commercial real estate mortgage—owner-occupied:
Risk rating:
   Pass$794 $695 $796 $785 $522 $808 $87 $— $(5)$4,482 
   Special Mention5 21 57 33 9 57 2 — — 184 
   Substandard Accrual4 6 37 40 15 33 3 — — 138 
   Non-accrual2 2 5 14 4 9 1 — — 37 
Total commercial real estate mortgage—owner-occupied:$805 $724 $895 $872 $550 $907 $93 $— $(5)$4,841 
Commercial real estate construction—owner-occupied:
Risk rating:
   Pass$131 $54 $38 $30 $20 $37 $7 $— $— $317 
   Special Mention— 6 1 — — — — — — 7 
   Substandard Accrual— — 3 — 1 — — — — 4 
   Non-accrual— — — — 1 4 — — — 5 
Total commercial real estate construction—owner-occupied:$131 $60 $42 $30 $22 $41 $7 $— $— $333 
Total commercial$9,409 $6,160 $7,784 $4,363 $2,138 $4,525 $20,357 $— $109 $54,845 
December 31, 2024
Term LoansRevolving Loans Revolving Loans Converted to Amortizing
Other (1)
Total
20242023202220212020PriorRevolving Loans Revolving Loans Converted to Amortizing
Other (1)
Total
Commercial investor real estate mortgage:
Risk rating:
   Pass$1,598 $464 $1,753 $747 $322 $125 $314 $— $(2)$5,321 
   Special Mention173 12 209 30 11 1 4 — — 440 
   Substandard Accrual76 — 131 39 28 2 107 — — 383 
   Non-accrual167 93 113 — — 50 — — — 423 
Total commercial investor real estate mortgage$2,014 $569 $2,206 $816 $361 $178 $425 $— $(2)$6,567 
Commercial investor real estate construction:
Risk rating:
   Pass$300 $380 $443 $— $— $2 $694 $— $(13)$1,806 
   Special Mention— 32 218 — — — 76 — — 326 
   Substandard Accrual— — — — — — 11 — — 11 
   Non-accrual— — — — — — — — — — 
Total commercial investor real estate construction$300 $412 $661 $— $— $2 $781 $— $(13)$2,143 
Total investor real estate$2,314 $981 $2,867 $816 $361 $180 $1,206 $— $(15)$8,710 
Residential first mortgage:
FICO scores:
   Above 720$1,111 $1,967 $2,742 $4,055 $4,004 $2,730 $— $— $— $16,609 
   681-720107 185 253 289 222 305 — — — 1,361 
   620-68056 87 141 136 99 283 — — — 802 
   Below 62015 73 138 150 100 419 — — — 895 
   Data not available29 31 16 41 46 90 2 — 172 427 
Total residential first mortgage$1,318 $2,343 $3,290 $4,671 $4,471 $3,827 $2 $— $172 $20,094 
Home equity lines:
FICO scores:
   Above 720$— $— $— $— $— $— $2,341 $48 $— $2,389 
   681-720— — — — — — 339 12 — 351 
   620-680— — — — — — 176 11 — 187 
   Below 620— — — — — — 96 7 — 103 
   Data not available— — — — — — 81 5 34 120 
Total home equity lines$— $— $— $— $— $— $3,033 $83 $34 $3,150 
Home equity loans:
FICO scores:
   Above 720$328 $263 $308 $329 $163 $472 $— $— $— $1,863 
   681-72051 40 49 39 16 56 — — — 251 
   620-68018 19 23 21 9 48 — — — 138 
   Below 6203 7 14 13 5 37 — — — 79 
   Data not available1 1 4 7 4 26 — — 16 59 
Total home equity loans$401 $330 $398 $409 $197 $639 $— $— $16 $2,390 
Consumer credit card:
FICO scores:
Above 720$— $— $— $— $— $— $847 $— $— $847 
681-720— — — — — — 270 — 270 
620-680— — — — — — 224 — — 224 
Below 620— — — — — — 108 — — 108 
Data not available— — — — — — 18 — (22)(4)
Total consumer credit card$— $— $— $— $— $— $1,467 $— $(22)$1,445 
December 31, 2024
Term LoansRevolving Loans Revolving Loans Converted to Amortizing
Other (1)
Total
20242023202220212020PriorRevolving Loans Revolving Loans Converted to Amortizing
Other (1)
Total
Other consumer(2):
FICO scores:
   Above 720$898 $1,016 $1,337 $417 $232 $213 $117 $— $— $4,230 
   681-720160 191 275 97 49 40 62 — — 874 
   620-68082 111 191 64 31 25 50 — — 554 
   Below 62016 47 117 43 19 17 31 — — 290 
   Data not available71 4 10 6 5 155 2 — (108)145 
Total other consumer$1,227 $1,369 $1,930 $627 $336 $450 $262 $— $(108)$6,093 
Total consumer loans$2,946 $4,042 $5,618 $5,707 $5,004 $4,916 $4,764 $83 $92 $33,172 
Total Loans$14,669 $11,183 $16,269 $10,886 $7,503 $9,621 $26,327 $83 $186 $96,727 
________
(1)Other consists of amounts that are not accounted for at the loan level.
(2)Other consumer class includes overdrafts which are included in the current vintage year. Starting in 2025, other consumer loans also includes exit portfolios, which were previously presented separately. The portfolio consists primarily of indirect auto loans, and presentation of prior periods has been conformed accordingly.

The following tables present gross charge-offs by vintage year for the years ended December 31, 2025 and 2024.
2025
Term LoansRevolving LoansTotal
20252024202320222021Prior
(In millions)
Commercial and industrial$4 $33 $44 $56 $35 $2 $102 $276 
Commercial real estate mortgage—owner-occupied— — 1 — 1 2 — 4 
Total commercial4 33 45 56 36 4 102 280 
Commercial investor real estate mortgage3 23 23 7 — 5 1 62 
Total investor real estate3 23 23 7 — 5 1 62 
Residential first mortgage— — — 2 — — — 2 
Home equity lines— — — — — — 1 1 
Home equity loans— — — — — 1 — 1 
Consumer credit card— — — — — — 67 67 
Other consumer(1)
53 24 26 44 15 18 12 192 
Total consumer53 24 26 46 15 19 80 263 
Total gross charge-offs$60 $80 $94 $109 $51 $28 $183 $605 
2024
Term LoansRevolving LoansTotal
20242023202220212020Prior
(In millions)
Commercial and industrial$12 $59 $82 $15 $8 $11 $70 $257 
Commercial real estate mortgage—owner-occupied— — — 3 — 1 — 4 
Total commercial12 59 82 18 8 12 70 261 
Commercial investor real estate mortgage25 — 6 5 — 6 — 42 
Total investor real estate25 — 6 5 — 6 — 42 
Residential first mortgage— — — — — 2 — 2 
Home equity lines— — — — — — 3 3 
Consumer credit card— — — — — — 63 63 
Other consumer(1)
42 39 57 19 9 14 10 190 
Total consumer42 39 57 19 9 16 76 258 
Total gross charge-offs$79 $98 $145 $42 $17 $34 $146 $561 
______
(1)Other consumer class includes overdraft gross charge-offs. The majority of overdraft gross charge-offs for the years ended December 31, 2025 and 2024 are included in the current vintage year. Starting in 2025, other consumer loans also includes exit portfolios, which were previously presented separately. The portfolio consists primarily of indirect auto loans, and presentation of prior periods has been conformed accordingly.
Past Due Financing Receivables
The following tables include an aging analysis of DPD and loans on non-accrual status for each portfolio segment and class as of December 31, 2025 and 2024. Loans on non-accrual status with no related allowance totaled $109 million at December 31, 2025 and were comprised of commercial loans. Loans on non-accrual status with no related allowance totaled $119 million at December 31, 2024 and were comprised of commercial and investor real estate loans. Non–accrual loans with no related allowance typically include loans where the underlying collateral is deemed sufficient to recover all remaining principal. Loans that have been fully charged-off do not appear in the tables below.
 2025
 Accrual Loans   
 30-59 DPD60-89 DPD90+ DPDTotal
30+ DPD		Total
Accrual		Non-accrualTotal
 (In millions)
Commercial and industrial$39 $16 $6 $61 $48,316 $474 $48,790 
Commercial real estate mortgage—owner-occupied4 2 — 6 4,800 45 4,845 
Commercial real estate construction—owner-occupied— — — — 261 2 263 
Total commercial43 18 6 67 53,377 521 53,898 
Commercial investor real estate mortgage— — — — 7,051 121 7,172 
Commercial investor real estate construction— — — — 1,934 — 1,934 
Total investor real estate— — — — 8,985 121 9,106 
Residential first mortgage128 82 184 394 19,740 25 19,765 
Home equity lines19 6 15 40 3,208 24 3,232 
Home equity loans11 4 8 23 2,317 7 2,324 
Consumer credit card12 10 22 44 1,519 — 1,519 
Other consumer(1)
51 24 24 99 5,793 — 5,793 
Total consumer221 126 253 600 32,577 56 32,633 
$264 $144 $259 $667 $94,939 $698 $95,637 
 
 2024
 Accrual Loans   
 30-59 DPD60-89 DPD90+ DPDTotal
30+ DPD		Total
Accrual		Non-accrualTotal
 (In millions)
Commercial and industrial$51 $18 $7 $76 $49,263 $408 $49,671 
Commercial real estate mortgage—owner-occupied4 1 1 6 4,804 37 4,841 
Commercial real estate construction—owner-occupied— — — — 328 5 333 
Total commercial55 19 8 82 54,395 450 54,845 
Commercial investor real estate mortgage— — — — 6,144 423 6,567 
Commercial investor real estate construction— — — — 2,143 — 2,143 
Total investor real estate— — — — 8,287 423 8,710 
Residential first mortgage139 78 143 360 20,071 23 20,094 
Home equity lines15 9 16 40 3,124 26 3,150 
Home equity loans11 6 7 24 2,384 6 2,390 
Consumer credit card11 9 20 40 1,445 — 1,445 
Other consumer(1)
51 26 27 104 6,093 — 6,093 
Total consumer227 128 213 568 33,117 55 33,172 
$282 $147 $221 $650 $95,799 $928 $96,727 
_____
(1) Starting in 2025, other consumer loans also includes exit portfolios, which were previously presented separately. The portfolio consists primarily of indirect auto loans, and presentation of prior periods has been conformed accordingly.
Modifications by class and segment
For each portfolio segment and class, the following tables present the end of period balances of new modifications to troubled borrowers and the related percentage of the loan portfolio period-end balance by the type of modification in the years ended December 31, 2025 and 2024.
2025
Term ExtensionPayment DeferralTerm Extension and Interest Rate Modification
Term Extension and Payment Deferral
Other
Total
$
%(1)
$
%(1)
$
%(1)
$
%(1)
$
%(1)
$
%(1)
(Dollars in millions)
Commercial and industrial$127 0.26 %$— — %$1 — %$18 0.04 %$16 0.03 %$162 0.33 %
Commercial real estate mortgage—owner-occupied2 0.04 %— — %— — %— — %— — %2 0.04 %
Total commercial129 0.24 %— — %1 — %18 0.03 %16 0.03 %164 0.30 %
Commercial investor real estate mortgage100 1.40 %— — %— — %— — %— — %100 1.40 %
Total investor real estate100 1.10 %— — %— — %— — %— — %100 1.10 %
Residential first mortgage191 0.97 %3 0.01 %19 0.09 %— — %1 — %214 1.08 %
Home equity lines1 0.02 %— — %5 0.17 %— — %— — %6 0.19 %
Home equity loans4 0.19 %— — %6 0.27 %— — %— — %10 0.46 %
Total consumer196 0.60 %3 0.01 %30 0.09 %— — %1 — %230 0.71 %
Total$425 0.44 %$3 — %$31 0.03 %$18 0.02 %$17 0.02 %$494 0.52 %
2024
Interest Rate ReductionTerm ExtensionPayment Deferral
Term Extension and Interest Rate Reduction
OtherTotal
$
%(1)
$
%(1)
$
%(1)
$
%(1)
$
%(1)
$
%(1)
(Dollars in millions)
Commercial and industrial$— — %$46 0.09 %$— — %$1 — %$3 0.01 %$50 0.10 %
Commercial real estate mortgage—owner-occupied— — %3 0.05 %— — %— — %— — %3 0.05 %
Total commercial— — %49 0.09 %— — %1 — %3 0.01 %53 0.10 %
Commercial investor real estate mortgage34 0.52 %111 1.69 %— — %— — %27 0.42 %172 2.62 %
Total investor real estate34 0.39 %111 1.28 %— — %— — %27 0.31 %172 1.98 %
Residential first mortgage— — %156 0.78 %2 0.01 %6 0.03 %— — %164 0.82 %
Home equity lines— — %1 0.02 %— — %9 0.29 %— — %10 0.30 %
Home equity loans— — %4 0.17 %— — %8 0.34 %— — %12 0.51 %
Total consumer— — %161 0.49 %2 0.01 %23 0.07 %— — %186 0.56 %
$34 0.04 %$321 0.33 %$2 — %$24 0.02 %$30 0.03 %$411 0.43 %
____
(1) Amounts calculated based upon whole dollar values.
Financial impact of modifications to troubled borrowers
The following tables present the financial impact of modifications to troubled borrowers during the years ended December 31, 2025 and 2024 by class of financing receivable and the type of modification. The tables include new modifications to troubled borrowers, as well as renewals of existing modifications to troubled borrowers.
2025 (1)
Term ExtensionPayment DeferralTerm Extension and Interest Rate Modification
Term Extension and Payment Deferral
Weighted-Average Term Extension Weighted-Average Payment Deferral Weighted-Average Term Extension Weighted-Average Reduction in Interest RateWeighted-Average Term ExtensionWeighted-Average Payment Deferral
(In years, except for percentage data)
Commercial and industrial0.75— 32 %10.67
Commercial real estate mortgage—owner-occupied2.17— — — — — 
Commercial investor real estate mortgage0.67— — — — — 
Residential first mortgage70.6741 %— — 
Home equity lines29— 241 %— — 
Home equity loans13— 213 %— — 
____
(1) During the year ended December 31, 2025, the Company had other modification types in commercial and industrial and residential first mortgage loans which had an immaterial financial effect.
2024 (1)
Interest Rate Reduction
Term ExtensionPayment Deferral
Term Extension and Interest Rate Reduction
Weighted-Average Reduction in Interest RateWeighted-Average Term Extension Weighted-Average Payment Deferral Weighted-Average Term Extension Weighted-Average Reduction in Interest Rate
(In years, except for percentage data)
Commercial and industrial— 1.92— 2.081 %
Commercial real estate mortgage—owner-occupied— 3.58— — — 
Commercial investor real estate mortgageless than 1%0.83— — — 
Residential first mortgage— 70.675less than 1%
Home equity lines— — — 232 %
Home equity loans— 14— 243 %
____
(1) During the year ended December 31, 2024, the Company had other modification types in commercial and industrial and commercial investor real estate mortgage which had an immaterial financial effect.
Aging and non-accrual performance for modifications to troubled borrowers
2025
Current30-89 DPD90+ DPDNon-Performing LoansTotal
(In millions)
Commercial and industrial$85 $1 $— $76 $162 
Commercial real estate mortgage—owner-occupied2 — — — 2 
Total commercial87 1 — 76 164 
Commercial investor real estate mortgage74 — — 26 100 
Total investor real estate74 — — 26 100 
Residential first mortgage137 41 29 7 214 
Home equity lines5 — — 1 6 
Home equity loans8 — — 2 10 
Total consumer150 41 29 10 230 
$311 $42 $29 $112 $494 
2024
Current30-89 DPD90+ DPDNon-Performing LoansTotal
(In millions)
Commercial and industrial$34 $— $— $16 $50 
Commercial real estate mortgage—owner-occupied2 — — 1 3 
Total commercial36 — — 17 53 
Commercial investor real estate mortgage66 — — 106 172 
Total investor real estate66 — — 106 172 
Residential first mortgage113 31 13 7 164 
Home equity lines9 — — 1 10 
Home equity loans9 1 — 2 12 
Total consumer131 32 13 10 186 
$233 $32 $13 $133 $411