notes to consolidated financial statements 236 jpmorgan chase & co./2010 annual report the table below sets forth the accretable yield activity for the firm 2019s pci consumer loans for the years ended december 31 , 2010 , 2009 and .
( a ) other changes in expected cash flows may vary from period to period as the firm continues to refine its cash flow model and periodically updates model assumptions . for the years ended december 31 , 2010 and 2009 , other changes in expected cash flows were principally driven by changes in prepayment assumptions , as well as reclassification to the nonaccretable difference . such changes are expected to have an insignificant impact on the accretable yield percentage . the factors that most significantly affect estimates of gross cash flows expected to be collected , and accordingly the accretable yield balance , include : ( i ) changes in the benchmark interest rate indices for variable rate products such as option arm and home equity loans ; and ( ii ) changes in prepayment assump- tions . to date , the decrease in the accretable yield percentage has been primarily related to a decrease in interest rates on vari- able-rate loans and , to a lesser extent , extended loan liquida- tion periods . certain events , such as extended loan liquidation periods , affect the timing of expected cash flows but not the amount of cash expected to be received ( i.e. , the accretable yield balance ) . extended loan liquidation periods reduce the accretable yield percentage because the same accretable yield balance is recognized against a higher-than-expected loan balance over a longer-than-expected period of time. .
Year ended December 31, Total PCI
(in millions, except ratios) 2010 2009 2008
Balance, January 1 $25,544 $32,619 $—
Washington Mutual acquisition — — 39,454
Accretion into interest income (3,232) (4,363) (1,292)
Changes in interest rates on variable rate loans (819) (4,849) (5,543)
Other changes in expected cash flows<sup>(a)</sup> (2,396) 2,137 —
Balance, December 31 $19,097 $25,544 $32,619
Accretable yield percentage 4.35% 5.14% 5.81%
year ended december 31 , ( in millions except ratios ) year ended december 31 , 2010 year ended december 31 , 2009 2008
balance january 1 $ 25544 $ 32619 $ 2014
washington mutual acquisition 2014 2014 39454
accretion into interest income -3232 ( 3232 ) -4363 ( 4363 ) -1292 ( 1292 )
changes in interest rates on variable rate loans -819 ( 819 ) -4849 ( 4849 ) -5543 ( 5543 )
other changes in expected cash flows ( a ) -2396 ( 2396 ) 2137 2014
balance december 31 $ 19097 $ 25544 $ 32619
accretable yield percentage 4.35% ( 4.35 % ) 5.14% ( 5.14 % ) 5.81% ( 5.81 % )
what was the percentage change in the accretable yield activity for the firm 2019s pci consumer loans in 2010