. as part of our overall risk analysis and monitoring , we segment the portfolio by loan structure , collateral attributes , and credit metrics which include fico score , loan-to-value and term . oil and gas portfolio our portfolio in the oil and gas industry totaled $ 2.6 billion as of december 31 , 2015 , or 1% ( 1 % ) of our total loan portfolio and 2% ( 2 % ) of our total commercial lending portfolio . this portfolio comprised approximately $ 1 billion in the midstream and downstream sectors , $