CITIZENS FINANCIAL GROUP, INC.  MANAGEMENT'S DISCUSSION AND ANALYSIS 85 GAAP results, see Note 23 “Business Segments” to our audited Consolidated Financial Statements in Part II, Item 8 — Financial Statements and Supplementary Data, included elsewhere in this report.
Results of Operations — Year Ended December 31, 2013 Compared with Year Ended December 31, 2012 Net Income (Loss) We reported a net loss of $3.4 billion for the year ended December 31, 2013, after recording a goodwill impairment charge of $4.1 billion after tax in the second quarter of 2013 and $26 million ($17 million after-tax) in restructuring charges.
Excluding the goodwill impairment and restructuring charges above and a net $158 million of pre-tax unusual items in 2012, net income decreased $97 million, or 13%, from 2012, largely driven by the effect of the relatively persistent low interest rate environment on net interest income and a reduction in fee income, driven by continued pressure from regulatory changes and lower mortgage banking fees.
Results also reflected increased provision for credit losses and lower noninterest expense, excluding goodwill impairment.
The restructuring charges in 2013 related to our implementation of a new branch image capture system on the teller line which automated several key processes within the branch network, and our decision to close certain branches, which resulted in lease termination costs and other fixed asset write-offs.
Unusual expenses in 2012 included a $138 million ($87 million after tax) overdraft litigation settlement, a $77 million ($49 million after tax) settlement of defined benefit pension plan obligation to vested former employees, a $25 million charge related to a state tax settlement and a $23 million ($15 million after tax) loss on sale of a commercial real estate portfolio, offset by a $75 million ($48 million after tax) gain on sale of our VISA, Inc.  Class B shares and a net $5 million ($3 million after tax) reversal of prior restructuring charges.
The following table details the significant components of our net income (loss) for the periods indicated
## Table 0 ##
(1) These are non-GAAP financial measures.
For more information on the computation of this non-GAAP financial measure, see “—Principal Components of Operations and Key Performance Metrics Used By Management — Key Performance Metrics and Non-GAAP Financial Measures.
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REPUBLIC SERVICES, INC.  NOTES TO CONSOLIDATED FINANCIAL STATEMENTS—(Continued) 12.
SHARE REPURCHASES AND DIVIDENDS Share Repurchases Share repurchase activity during the years ended December 31, 2018 and 2017 follows (in millions except per share amounts):
## Table 1 ##
As of December 31, 2018, there were no repurchased shares pending settlement.
In October 2017, our Board of Directors added $2.0 billion to the existing share repurchase authorization that now extends through December 31, 2020.
Share repurchases under the program may be made through open market purchases or privately negotiated transactions in accordance with applicable federal securities laws.
While the Board of Directors has approved the program, the timing of any purchases, the prices and the number of shares of common stock to be purchased will be determined by our management, at its discretion, and will depend upon market conditions and other factors.
The share repurchase program may be extended, suspended or discontinued at any time.
As of December 31, 2018, the remaining authorized purchase capacity under our October 2017 repurchase program was $1.1 billion.
Dividends In October 2018, our Board of Directors approved a quarterly dividend of $0.375 per share.
Cash dividends declared were $468.4 million, $446.3 million and $423.8 million for the years ended December 31, 2018, 2017 and 2016, respectively.
As of December 31, 2018, we recorded a quarterly dividend payable of $121.0 million to shareholders of record at the close of business on January 2, 2019.13.
EARNINGS PER SHARE Basic earnings per share is computed by dividing net income attributable to Republic Services, Inc.  by the weighted average number of common shares (including vested but unissued RSUs) outstanding during the period.
Diluted earnings per share is based on the combined weighted average number of common shares and common share equivalents outstanding, which include, where appropriate, the assumed exercise of employee stock options, unvested RSUs and unvested PSUs at the expected attainment levels.
We use the treasury stock method in computing diluted earnings per share.
“Accounting for Stock Issued to Employees” (“APB 25”).
For fiscal 2006, this share-based compensation expense lowered pre-tax income by $9.7 million and net income by $6.1 million.
Depreciation and amortization expense increased 24.3% in fiscal 2006 over fiscal 2005 due mainly to costs associated with new and relocated stores and remodeled existing stores.
Net interest expense increased 64.7% in fiscal 2006 from fiscal 2005.
This increase is primarily due to higher average interest rates in fiscal 2006 and interest incurred as the result of federal and sales tax audits; partially offset by a reduction in average long-term borrowings under our revolving credit agreement.
Our effective tax rate was 37.4% for fiscal 2006 compared to 36.5% in fiscal 2005, resulting primarily from a higher effective income tax rate due to the non-deductibility of certain stock compensation expense related to the adoption of SFAS123(R).
As a result of the foregoing factors, net income for fiscal 2006 increased 6.2% to $91.0 million, or $2.22 per diluted share, which includes a $9.7 million charge, or $0.15 per diluted share, in stock compensation expense.
This compares to net income of $85.7 million, or $2.09 per diluted share, in fiscal 2005.
Liquidity and Capital Resources In addition to normal operating expenses, our primary ongoing cash requirements are for expansion, remodeling and relocation programs, including inventory purchases and capital expenditures.
Our primary ongoing sources of liquidity are funds provided from operations, commitments available under our revolving credit agreement, capital and operating leases and normal trade credit.
Our inventory and accounts payable levels typically build in the first and third fiscal quarters in anticipation of the spring and winter selling seasons, respectively.
Working Capital At December 29, 2007, we had working capital of $312.1 million, a $4.0 million decrease from December 30, 2006.
This decrease was primarily attributable to changes in the following components of current assets and current liabilities (in millions):
## Table 2 ##
The increase in inventories and related increase in accounts payable resulted primarily from the purchase of inventory for new stores.
Trade credit arises from our vendors granting extended payment terms for inventory purchases.
Payment terms generally vary from 30 days to 180 days depending on the inventory product.
We experienced an increase in our financed inventory from approximately 37.3% to 38.3%.
(The calculated financed inventory assumes average inventory, excludes in-transit inventories and includes only unopened stores with significant inventory).
While we experienced a seven basis point decrease in inventory turns (approximately 2.60 times per year), we improved our per-store inventory levels through targeted inventory level improvement initiatives.
These initiatives included better exit strategies on one-time, special buys; a focused approach on new store inventory levels and less productive inventory; and a more rigorous training program on our E3 inventory management software.

<table><tr><td></td><td colspan="2">Year Ended December 31,</td><td></td><td></td></tr><tr><td>(dollars in millions)</td><td>2013</td><td>2012</td><td>Change</td><td>Percent</td></tr><tr><td>Operating Data:</td><td></td><td></td><td></td><td></td></tr><tr><td>Net interest income</td><td>$3,058</td><td>$3,227</td><td>-$169</td><td>-5%</td></tr><tr><td>Noninterest income</td><td>1,632</td><td>1,667</td><td>-35</td><td>-2</td></tr><tr><td>Total revenue</td><td>4,690</td><td>4,894</td><td>-204</td><td>-4</td></tr><tr><td>Provision for credit losses</td><td>479</td><td>413</td><td>66</td><td>16</td></tr><tr><td>Noninterest expense</td><td>7,679</td><td>3,457</td><td>4,222</td><td>122</td></tr><tr><td>Noninterest expense, excluding goodwill impairment<sup>-1</sup></td><td>3,244</td><td>3,457</td><td>-213</td><td>-6</td></tr><tr><td>(Loss) income before income tax (benefit) expense</td><td>-3,468</td><td>1,024</td><td>-4,492</td><td>-439</td></tr><tr><td>Income tax (benefit) expense</td><td>-42</td><td>381</td><td>-423</td><td>-111</td></tr><tr><td>Net (loss) income</td><td>-3,426</td><td>643</td><td>-4,069</td><td>-633</td></tr><tr><td>Net income, excluding goodwill impairment<sup>-1</sup></td><td>654</td><td>643</td><td>11</td><td>2</td></tr><tr><td>Return on average tangible common equity<sup>-1</sup></td><td>-25.91%</td><td>4.86%</td><td>NM</td><td></td></tr><tr><td>Return on average tangible common equity, excluding goodwill impairment<sup>-1</sup></td><td>4.95%</td><td>4.86%</td><td>9bps</td><td></td></tr></table>
<table><tr><td></td><td>2018</td><td>2017</td></tr><tr><td>Number of shares repurchased</td><td>10.7</td><td>9.6</td></tr><tr><td>Amount paid</td><td>$736.9</td><td>$610.7</td></tr><tr><td>Weighted average cost per share</td><td>$69.06</td><td>$63.84</td></tr></table>
<table><tr><td></td><td> 2007</td><td> 2006</td><td>Variance</td></tr><tr><td> Current assets:</td><td></td><td></td><td></td></tr><tr><td>Cash and cash equivalents</td><td>$13.7</td><td>$26.4</td><td>$-12.7</td></tr><tr><td>Inventories</td><td>636.0</td><td>594.9</td><td>41.1</td></tr><tr><td>Prepaid expenses and other current assets</td><td>41.9</td><td>37.0</td><td>4.9</td></tr><tr><td>Deferred income taxes</td><td>0.3</td><td>11.3</td><td>-11.0</td></tr><tr><td></td><td>691.9</td><td>669.6</td><td>22.3</td></tr><tr><td> Current liabilities:</td><td></td><td></td><td></td></tr><tr><td>Accounts payable</td><td>$258.3</td><td>$229.2</td><td>$29.1</td></tr><tr><td>Accrued expenses</td><td>115.6</td><td>111.7</td><td>3.9</td></tr><tr><td>Income taxes payable</td><td>5.1</td><td>11.5</td><td>-6.4</td></tr><tr><td>Other, net</td><td>0.8</td><td>1.1</td><td>-0.3</td></tr><tr><td></td><td>379.8</td><td>353.5</td><td>26.3</td></tr><tr><td> Working capital</td><td>$312.1</td><td>$316.1</td><td>$-4.0</td></tr></table>

Question: In the year with largest amount of Noninterest expense, what's the increasing rate of Net interest income?
Answer: -0.05237