NOTES TO CONSOLIDATED FINANCIAL STATEMENTS  The following tables summarize the difference between the aggregate fair value and the aggregate unpaid principal balance for residential  mortgage loans measured at fair value.  The following table summarizes carrying amounts and estimated fair values for certain financial instruments, excluding financial instruments  measured at fair value on a recurring basis at:  Fair Value of Certain Financial Instruments 122 Fifth Third Bancorp ($ in millions)  Aggregate  Fair Value Aggregate Unpaid Principal Balance  Difference  As of December 31, 2010 Residential mortgage loans measured at fair value  $1,938 1,913 $25 Past due loans of 90 days or more  5 6 (1) Nonaccrual loans  1 1 - As of December 31, 2009 Residential mortgage loans measured at fair value  $1,496  1,463  $33  Past due loans of 90 days or more  3  4  (1)  Nonaccrual loans  1  1  -  December 31, 2010  ($ in millions)  Carrying  Amount  Fair Value  Financial assets:  Cash and due from banks  $2,159 2,159 Other securities  868 868 Held-to-maturity securities 353 353 Other short-term investments  1,515 1,515 Loans held for sale  324 324 Portfolio loans and leases: Commercial and industrial loans  26,068 27,322 Commercial mortgage loans  10,248 9,513 Commercial construction loans  1,890 1,471 Commercial leases  3,267 2,934 Residential mortgage loans  (a) 8,600 7,577 Home equity  11,248 9,366 Automobile loans  10,910 10,975 Credit card  1,738 1,786 Other consumer loans and leases  622 682 Unallocated allowance for loan and lease losses  (150) - Total portfolio loans and leases, net  (a) 74,441 71,626 Financial liabilities:  Deposits  81,648 81,860 Federal funds purchased  279 279 Other short-term borrowings  1,574 1,574 Long-term debt 9,558 9,921 (a) Excludes  $46  of residential mortgage loans measured at fair value on a recurring basis.  December 31, 2009 ($ in millions)  Carrying  Amount Fair Value Financial assets:  Cash and due from banks  $2,318 2,318 Other securities 893 893 Held-to-maturity securities 355 355 Other short-term investments  3,369 3,369 Loans held for sale 543 543 Portfolio loans and leases, net  (a) 73,004 68,748 Financial liabilities:  Deposits   84,305 84,544 Federal funds purchased  182 182 Other short-term borrowings  1,415 1,415 Long-term debt 10,507 9,899 (a) Excludes $26 of residential mortgage loans measured at fair value on a recurring basis. 