MANAGEMENT’S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS TABLE 6: CHANGES IN NET INTEREST INCOME ATTRIBUTED TO VOLUME AND YIELD/RATE  (a) For the years ended December 31  2010 Compared to 2009  2009 Compared to 2008  ($ in millions)  Volume Yield/Rate Total Volume Yield/Rate Total Assets  Increase (decrease) in interest income: Loans and leases:  Commercial and industrial loans  ($53) 129 76 ($45) (313) (358) Commercial mortgage  (39) (30) (69) (17) (304) (321) Commercial construction  (46) 5 (41) (60) (148) (208) Commercial leases  (8) 5 (3) (1) 133 132 Subtotal - commercial  (146) 109 (37) (123) (632) (755) Residential mortgage  (53) (71) (124) (7) (96) (103) Home equity  (22) (19) (41) 15 (196) (181) Automobile loans  97 (45) 52 (7) (3) (10) Credit card (4) 12 8 20 6 26 Other consumer loans and leases  (27) 57 30 (12) 34 22 Subtotal - consumer  (9) (66) (75) 9 (255) (246) Total loans and leases  (155) 43 (112) (114) (887) (1,001) Securities:  Taxable  (34) (37) (71) 169 (91) 78 Exempt from income taxes  6 (10) (4) (7) (1) (8) Other short-term investments  5 2 7 5 (17) (12) Total interest-earning assets (178) (2) (180) 53 (996) (943) Cash and due from banks  Other assets  Allowance for loan and lease losses  Total change in interest income ($178) (2) (180) $53 (996) (943) Liabilities and Equity  Increase (decrease) in interest expense:  Interest-bearing core deposits:  Interest checking  $8 4 12 $8 (96) (88) Savings 18 (38) (20) 9 (106) (97) Money market  2 (9) (7) (28) (64) (92) Foreign office deposits  4 (2) 2 (1) (23) (24) Other time deposits  (105) (89) (194) 102 (43) 59 Total interest-bearing core deposits  (73) (134) (207) 90 (332) (242) Certificates - $100,000 and over  (98) (57) (155) 27 (71) (44) Other foreign office deposits  - - - (25) (25) (50) Federal funds purchased  (33) (36) (69) Other short-term borrowings  (21) (18) (39) (26) (110) (136) Long-term debt  (3) (25) (28) (101) (138) (239) Total interest-bearing liabilities  (195) (234) (429) (68) (712) (780) Demand deposits  Other liabilities  Total change in interest expense  (195) (234) (429) (68) (712) (780) Equity  Total liabilities and equity  Total change in net interest income $17 232 249 $121 (284) (163) (a) Changes in interest not solely due to volume or yield/rate are allocated in proportion to the absolute amount of change in volume or yield/rate. Provision for Loan and Lease Losses  The Bancorp provides as an expense an amount for probable loan  and lease losses within the loan and lease portfolio that is based  on factors previously discussed in the Critical Accounting Policies  section. The provision is recorded to bring the ALLL to a level  deemed appropriate by the Bancorp to cover losses inherent in  the portfolio. Actual credit losses on loans and leases are charged  against the ALLL. The amount of loans actually removed from  the Consolidated Balance Sheets is referred to as charge-offs. Net  charge-offs include current period charge-offs less recoveries on  previously charged-off loans and leases. The provision for loan and lease losses decreased to $1.5  billion in 2010 compared to $3.5 billion in 2009. The decrease in  provision expense from the prior year was due to decreases in  nonperforming assets and delinquencies in commercial and  consumer loans. In addition to these trends, signs of moderation  in general economic conditions during 2010 further contributed to  a decrease in expected loss rates. As of December 31, 2010, the  ALLL as a percent of loans and leases decreased to 3.88%, from  4.88% at December 31, 2009.  Refer to the Credit Risk Management section for more  detailed information on the provision for loan and lease losses  including an analysis of the loan portfolio composition, non- performing assets, net charge-offs, and other factors considered  by the Bancorp in assessing the credit quality of the loan portfolio  and the ALLL.  Fifth Third Bancorp 31 