acquisition date).
Realex is a leading European online payment gateway technology provider.
This acquisition furthered our strategy to provide omnichannel solutions that combine gateway services, payment service provisioning and payment technology services across Europe.
This transaction was accounted for as a business combination.
We recorded the assets acquired, liabilities assumed and noncontrolling interest at their estimated fair values as of the acquisition date.
On October 5, 2015, acquisition date).
Realex is a leading European online payment gateway technology provider.
This acquisition furthered our strategy to provide omnichannel solutions that combine gateway services, payment service provisioning and payment technology services across Europe.
This transaction was accounted for as a business combination.
We recorded the assets acquired, liabilities assumed and noncontrolling interest at their estimated fair values as of the acquisition date.
On October 5, 2015, we paid €6.7 million ($7.5 million equivalent as of October 5, 2015) to acquire the remaining shares of Realex, after which we own 100% of the outstanding shares.
The estimated acquisition date fair values of the assets acquired, liabilities assumed and the noncontrolling interest, including a reconciliation to the total purchase consideration, are as follows (in thousands):
## Table 0 ##
Goodwill of $66.8 million arising from the acquisition, included in the Europe segment, was attributable to expected growth opportunities in Europe, potential synergies from combining our existing business with gateway services and payment service provisioning in certain markets and an assembled workforce to support the newly acquired technology.
Goodwill associated with this acquisition is not deductible for income tax purposes.
The customer-related intangible assets have an estimated amortization period of 16 years.
The acquired technology has an estimated amortization of 10 years.
The trade name has an estimated amortization period of 7 years.
Ezidebit On October 10, 2014, we completed the acquisition of 100% of the outstanding stock of Ezi Holdings Pty Ltd (¡°Ezidebit¡±) for AUD302.6 million in cash ($266.0 million equivalent as of the acquisition date).
This acquisition was funded by a combination of cash on hand and borrowings on our revolving credit facility.
Ezidebit is a leading integrated payments company focused on recurring payments verticals in Australia and New Zealand.
The acquisition of Ezidebit further enhanced our existing integrated solutions offerings.
This transaction was accounted for as a business combination.
We recorded the assets acquired and liabilities assumed at their estimated fair values as of the acquisition date.
projections for acquired loans, including its estimates of lifetime principal losses.
During each of the last three years, based largely on improving economic conditions, the Company’s estimates of cash flows expected to be generated by acquired loans improved, resulting in increases in the accretable yield.
In 2014, estimated cash flows expected to be generated by acquired loans increased by $98 million, or approximately 2%.
That improvement reflected a lowering of estimated principal losses by approximately $47 million, primarily due to a $41 million decrease in expected principal losses in the acquired commercial real estate portfolios, as well as interest and other recoveries.
Similarly, in 2013 the estimates of cash flows expected to be generated by acquired loans increased by approximately 3%, or $179 million.
That improvement also reflected a lowering of estimated principal losses, largely driven by a $160 million decrease in expected principal losses in the acquired commercial real estate portfolios.
In 2012, estimated cash flows expected to be generated by acquired loans increased by $178 million, or approximately 2%.
That improvement was also largely driven by a reduction of estimated principal losses, including a $132 million decrease in expected principal losses in the acquired commercial real estate portfolios.
Table 11 NONACCRETABLE BALANCE — PRINCIPAL
## Table 1 ##
Nonaccrual loans totaled $799 million or 1.20% of outstanding loans and leases at December 31, 2014, compared with $874 million or 1.36% at December 31, 2013 and $1.01 billion or 1.52% at December 31, 2012.
The decline in nonaccrual loans at the 2014 year-end as compared with December 31, 2013 was largely due to lower commercial real estate and residential real estate loans on nonaccrual status.
As compared with the end of 2012, the decline in nonaccrual loans at December 31, 2013 was largely due to lower commercial loans and commercial real estate loans classified as nonaccrual.
Since December 31, 2012, additions to nonaccrual loans were more than offset by the impact on such loans from payments received and charge-offs.
Improving economic conditions in the U. S.  continue to have a favorable impact on borrower repayment performance.
Accruing loans past due 90 days or more (excluding acquired loans) totaled $245 million or .37% of total loans and leases at December 31, 2014, compared with $369 million or .58% at December 31, 2013 and $358 million or .54% at December 31, 2012.
Those loans included loans guaranteed by government-related entities of $218 million, $298 million and $316 million at December 31, 2014, 2013 and 2012, respectively.
Such guaranteed loans included one-to-four family residential mortgage loans serviced by the Company that were repurchased to reduce servicing costs, including a requirement to advance principal and interest payments that had not been received from individual mortgagors.
Despite the loans being purchased by the Company, the insurance or guarantee by the applicable government-related entity remains in force.
The outstanding principal balances of the repurchased loans that are guaranteed by government-related entities totaled $196 million at December 31, 2014, $255 million at December 31, 2013 and $294 million at December 31, 2012.
The remaining accruing loans past due 90 days or more not guaranteed by governmentrelated entities were loans considered to be with creditworthy borrowers that were in the process of collection or renewal.
A summary of nonperforming assets and certain past due, renegotiated and impaired loan data and credit quality ratios is presented in table 12.
Certain types of administrative expenses and bankwide expense accruals (including amortization of core deposit and other intangible assets associated with acquisitions of financial institutions) are generally not allocated to segments.
Income taxes are allocated to segments based on the Company’s marginal statutory tax rate adjusted for any tax-exempt income or non-deductible expenses.
Equity is allocated to the segments based on regulatory capital requirements and in proportion to an assessment of the inherent risks associated with the business of the segment (including interest, credit and operating risk).
The management accounting policies and processes utilized in compiling segment financial information are highly subjective and, unlike financial accounting, are not based on authoritative guidance similar to GAAP.
As a result, reported segment results are not necessarily comparable with similar information reported by other financial institutions.
Furthermore, changes in management structure or allocation methodologies and procedures may result in changes in reported segment financial data.
Information about the Company’s segments is presented in the accompanying table.
Income statement amounts are in thousands of dollars.
Balance sheet amounts are in millions of dollars.
## Table 2 ##
For the Years Ended December 31, 2014, 2013 and 2012
## Table 3 ##
(a) Net interest income is the difference between actual taxable-equivalent interest earned on assets and interest paid on liabilities by a segment and a funding charge (credit) based on the Company’s internal funds transfer pricing methodology.
Segments are charged a cost to fund any assets (e. g.  loans) and are paid a funding credit for any funds provided (e. g.  deposits).
The taxable-equivalent adjustment aggregated $23,642,000 in 2014, $24,971,000 in 2013 and $26,391,000 in 2012 and is eliminated in “All Other” net interest income and income tax expense (benefit).

<table><tr><td>Cash</td><td>$4,082</td></tr><tr><td>Customer-related intangible assets</td><td>16,079</td></tr><tr><td>Acquired technology</td><td>39,820</td></tr><tr><td>Trade name</td><td>3,453</td></tr><tr><td>Other intangible assets</td><td>399</td></tr><tr><td>Other assets</td><td>6,213</td></tr><tr><td>Liabilities</td><td>-3,479</td></tr><tr><td>Deferred income tax liabilities</td><td>-7,216</td></tr><tr><td>Total identifiable net assets</td><td>59,351</td></tr><tr><td>Goodwill</td><td>66,809</td></tr><tr><td>Noncontrolling interest</td><td>-7,280</td></tr><tr><td>Total purchase consideration</td><td>$118,880</td></tr></table>
<table><tr><td></td><td colspan="2"> Remaining Balance</td><td colspan="2"> Life-to-date Charges</td></tr><tr><td></td><td> December 31, 2014</td><td> December 31, 2013</td><td> December 31, 2014</td><td> December 31, 2013</td></tr><tr><td></td><td colspan="4"> (In thousands)</td></tr><tr><td>Commercial, financing, leasing, etc.</td><td>$19,589</td><td>$31,931</td><td>$78,736</td><td>$69,772</td></tr><tr><td>Commercial real estate</td><td>70,261</td><td>110,984</td><td>276,681</td><td>277,222</td></tr><tr><td>Residential real estate</td><td>15,958</td><td>23,201</td><td>59,552</td><td>54,177</td></tr><tr><td>Consumer</td><td>29,582</td><td>33,989</td><td>77,819</td><td>74,039</td></tr><tr><td>Total</td><td>$135,390</td><td>$200,105</td><td>$492,788</td><td>$475,210</td></tr></table>
<table><tr><td></td><td colspan="12">For the Years Ended December 31, 2014, 2013 and 2012</td></tr><tr><td></td><td colspan="3"> Business Banking</td><td colspan="3"> Commercial Banking</td><td colspan="3"> Commercial Real Estate</td><td colspan="3">Discretionary Portfolio</td></tr><tr><td></td><td> 2014</td><td> 2013</td><td> 2012</td><td> 2014</td><td> 2013</td><td> 2012</td><td>2014</td><td> 2013</td><td> 2012</td><td> 2014</td><td>2013</td><td>2012</td></tr><tr><td>Net interest income(a)</td><td>$317,356</td><td>$325,521</td><td>$347,067</td><td>$745,218</td><td>$758,231</td><td>$753,678</td><td>$539,600</td><td>$570,786</td><td>$531,398</td><td>$74,204</td><td>$66,157</td><td>$66,303</td></tr><tr><td>Noninterest income</td><td>105,370</td><td>102,945</td><td>103,283</td><td>259,832</td><td>263,766</td><td>253,808</td><td>127,445</td><td>130,895</td><td>133,120</td><td>27,464</td><td>-2,126</td><td>-76,113</td></tr><tr><td></td><td>422,726</td><td>428,466</td><td>450,350</td><td>1,005,050</td><td>1,021,997</td><td>1,007,486</td><td>667,045</td><td>701,681</td><td>664,518</td><td>101,668</td><td>64,031</td><td>-9,810</td></tr><tr><td>Provision for credit losses</td><td>18,885</td><td>26,450</td><td>22,245</td><td>33,197</td><td>76,818</td><td>15,781</td><td>-6,476</td><td>7,365</td><td>4,238</td><td>16,547</td><td>16,670</td><td>44,305</td></tr><tr><td>Amortization of core deposit and other intangible assets</td><td>—</td><td>—</td><td>—</td><td>—</td><td>—</td><td>—</td><td>—</td><td>—</td><td>—</td><td>—</td><td>—</td><td>—</td></tr><tr><td>Depreciation and other amortization</td><td>405</td><td>198</td><td>122</td><td>588</td><td>564</td><td>567</td><td>16,278</td><td>14,296</td><td>11,004</td><td>891</td><td>1,330</td><td>2,065</td></tr><tr><td>Other noninterest expense</td><td>200,802</td><td>214,043</td><td>179,428</td><td>274,697</td><td>288,842</td><td>262,820</td><td>207,757</td><td>214,246</td><td>190,879</td><td>33,934</td><td>30,431</td><td>31,006</td></tr><tr><td>Income (loss) before taxes</td><td>202,634</td><td>187,775</td><td>248,555</td><td>696,568</td><td>655,773</td><td>728,318</td><td>449,486</td><td>465,774</td><td>458,397</td><td>50,296</td><td>15,600</td><td>-87,186</td></tr><tr><td>Income tax expense (benefit)</td><td>82,825</td><td>76,735</td><td>101,484</td><td>285,429</td><td>264,433</td><td>296,894</td><td>133,357</td><td>143,981</td><td>149,321</td><td>2,198</td><td>-14,368</td><td>-54,071</td></tr><tr><td>Net income (loss)</td><td>$119,809</td><td>$111,040</td><td>$147,071</td><td>$411,139</td><td>$391,340</td><td>$431,424</td><td>$316,129</td><td>$321,793</td><td>$309,076</td><td>$48,098</td><td>$29,968</td><td>$-33,115</td></tr><tr><td>Average total assets (in millions)</td><td>$5,281</td><td>$5,080</td><td>$4,909</td><td>$22,892</td><td>$21,655</td><td>$19,946</td><td>$17,113</td><td>$17,150</td><td>$16,437</td><td>$20,798</td><td>$16,480</td><td>$16,583</td></tr><tr><td>Capital expenditures (in millions)</td><td>$2</td><td>$1</td><td>$—</td><td>$—</td><td>$—</td><td>$—</td><td>$—</td><td>$—</td><td>$—</td><td>$—</td><td>$—</td><td>$—</td></tr></table>
<table><tr><td></td><td></td><td></td><td></td><td colspan="6">For the Years Ended December 31, 2014, 2013 and 2012</td><td></td><td></td><td></td></tr><tr><td></td><td colspan="3"> Residential Mortgage Banking</td><td colspan="3"> Retail Banking</td><td colspan="3">All Other</td><td colspan="3"> Total</td></tr><tr><td></td><td>2014</td><td>2013</td><td> 2012</td><td> 2014</td><td> 2013</td><td> 2012</td><td>2014</td><td>2013</td><td>2012</td><td> 2014</td><td> 2013</td><td> 2012</td></tr><tr><td>Net interest income(a)</td><td>$90,123</td><td>$98,496</td><td>$78,058</td><td>$741,109</td><td>$810,134</td><td>$902,906</td><td>$168,836</td><td>$43,904</td><td>$-80,894</td><td>$2,676,446</td><td>$2,673,229</td><td>$2,598,516</td></tr><tr><td>Noninterest income</td><td>331,391</td><td>325,474</td><td>402,211</td><td>335,501</td><td>373,362</td><td>349,571</td><td>592,270</td><td>670,889</td><td>501,390</td><td>1,779,273</td><td>1,865,205</td><td>1,667,270</td></tr><tr><td></td><td>421,514</td><td>423,970</td><td>480,269</td><td>1,076,610</td><td>1,183,496</td><td>1,252,477</td><td>761,106</td><td>714,793</td><td>420,496</td><td>4,455,719</td><td>4,538,434</td><td>4,265,786</td></tr><tr><td>Provision for credit losses</td><td>-2,357</td><td>-11,711</td><td>17,169</td><td>77,158</td><td>72,502</td><td>95,345</td><td>-12,954</td><td>-3,094</td><td>4,917</td><td>124,000</td><td>185,000</td><td>204,000</td></tr><tr><td>Amortization of core deposit and other intangible assets</td><td>—</td><td>—</td><td>—</td><td>—</td><td>—</td><td>—</td><td>33,824</td><td>46,912</td><td>60,631</td><td>33,824</td><td>46,912</td><td>60,631</td></tr><tr><td>Depreciation and other amortization</td><td>47,108</td><td>48,716</td><td>46,902</td><td>37,788</td><td>34,599</td><td>32,734</td><td>61,848</td><td>57,120</td><td>50,536</td><td>164,906</td><td>156,823</td><td>143,930</td></tr><tr><td>Other noninterest expense</td><td>222,396</td><td>225,794</td><td>195,604</td><td>759,569</td><td>768,644</td><td>751,916</td><td>844,972</td><td>690,150</td><td>693,046</td><td>2,544,127</td><td>2,432,150</td><td>2,304,699</td></tr><tr><td>Income (loss) before taxes</td><td>154,367</td><td>161,171</td><td>220,594</td><td>202,095</td><td>307,751</td><td>372,482</td><td>-166,584</td><td>-76,295</td><td>-388,634</td><td>1,588,862</td><td>1,717,549</td><td>1,552,526</td></tr><tr><td>Income tax expense (benefit)</td><td>59,361</td><td>61,779</td><td>85,671</td><td>82,179</td><td>125,350</td><td>151,616</td><td>-122,733</td><td>-78,841</td><td>-207,887</td><td>522,616</td><td>579,069</td><td>523,028</td></tr><tr><td>Net income (loss)</td><td>$95,006</td><td>$99,392</td><td>$134,923</td><td>$119,916</td><td>$182,401</td><td>$220,866</td><td>$-43,851</td><td>$2,546</td><td>$-180,747</td><td>$1,066,246</td><td>$1,138,480</td><td>$1,029,498</td></tr><tr><td>Average total assets (in millions)</td><td>$3,333</td><td>$2,858</td><td>$2,451</td><td>$10,449</td><td>$10,997</td><td>$11,705</td><td>$12,277</td><td>$9,442</td><td>$7,952</td><td>$92,143</td><td>$83,662</td><td>$79,983</td></tr><tr><td>Capital expenditures (in millions)</td><td>$—</td><td>$—</td><td>$1</td><td>$14</td><td>$40</td><td>$15</td><td>$57</td><td>$89</td><td>$76</td><td>$73</td><td>$130</td><td>$92</td></tr></table>

Question: In the year with highest Depreciation and other amortization for Commercial Banking, what's the growing rate of Other noninterest expense for Commercial Banking?
Answer: -0.04897