Stock Compensation Plans Under the Company’s 2002 Stock Incentive Plan, executive officers and key employees may be granted options to purchase the Company’s common stock at no less than 100% of the market price on the date the option is granted.
Options generally become exercisable in installments of 25% per year on each of the first through the fourth anniversaries of the grant date and have a maximum term of 10 years.
Additionally, the plan provides for the granting of stock appreciation rights whereby the grantee may surrender exercisable rights and receive common stock and/or cash measured by the excess of the market price of the common stock over the option exercise price.
Under the terms of the 2002 Stock Incentive Plan, authorized shares include 0.9% of the outstanding shares per year through 2007, as well as the number of shares tendered in a prior year to pay the purchase price of options and the number of shares previously utilized to satisfy withholding tax obligations upon exercise.
Shares which were available for grant in a prior year but were not granted in such year and shares which were cancelled, forfeited or expired are also available for future grant.
The 2002 Stock Incentive Plan provides for the granting of common stock to key employees, subject to restrictions as to continuous employment.
Restrictions generally expire over a five-year period from date of grant.
Compensation expense is recognized over the restricted period.
At December 31, 2005 and 2004, there were 4.2 million and 2.9 million shares of restricted stock outstanding under the plan, respectively.
In 2005, 1.8 million shares of restricted stock were granted with a fair value of $24.61 per common share.
The 2002 Stock Incentive Plan also incorporates the Company's long-term performance awards.
These awards, which are delivered in the form of a target number of performance shares, have a three-year cycle.
For 2004 to 2006, the awards will be based 50% on cumulative EPS, 50% on cumulative sales, with the ultimate payout modified by the Company’s total stockholder return versus the 11 companies in its proxy peer group.
If threshold targets are not met for the performance period, no payment will be made under the long-term performance award plan.
Maximum performance for all three measures will result in a maximum payout of 253% of target.
At December 31, 2005 and 2004, there were 1.8 million and 0.9 million performance shares outstanding under the plan, respectively.
In 2005, 1.1 million performance shares were granted with a fair value of $25.45 per common share.
Under the TeamShare Stock Option Plan, full-time employees, excluding key executives, were granted options to purchase the Company’s common stock at the market price on the date the options were granted.
The Company authorized 66 million shares for issuance under the plan.
Individual grants generally became exercisable evenly on the third, fourth, and fifth anniversary of the grant date and have a maximum term of 10 years.
Options on 35.3 million shares have been exercised under the plan as of December 31, 2005.
The fair value of the options granted during 2005, 2004 and 2003 was estimated as $5.49 per common share, $5.91 per common share and $5.15 per common share, respectively, on the date of grant using the Black-Scholes option-pricing model with the following assumptions:
## Table 0 ##
CITIZENS FINANCIAL GROUP, INC.
SELECTED CONSOLIDATED FINANCIAL DATA 41 ITEM 6.
SELECTED CONSOLIDATED FINANCIAL DATA The selected Consolidated Statement of Operations data for the years ended December 31, 2016, 2015, 2014 and the selected Consolidated Balance Sheet data as of December 31, 2016 and 2015 are derived from our audited Consolidated Financial Statements in Part II, Item 8 — Financial Statements and Supplementary Data, included in this report.
We derived the selected Consolidated Statement of Operations data for the years ended December 31, 2013 and 2012 and the selected Consolidated Balance Sheet data as of December 31, 2014, 2013, and 2012 from our audited Consolidated Financial Statements, not included herein.
Our historical results are not necessarily indicative of the results expected for any future period.
The following selected consolidated financial data should be read in conjunction with “Management’s Discussion and Analysis of Financial Condition and Results of Operations” in Part II, Item 7 and our audited Consolidated Financial Statements and the Notes thereto in Part II, Item 8 — Financial Statements and Supplementary Data, both included in this report
## Table 1 ##
Domestic utility companies and System Energy Notes to Respective Financial Statements 254 derived from another portion of the entity that continues to apply SFAS 71 should not be written off; rather, they should be considered regulatory assets of the segment that will continue to apply SFAS 71.
See Note 2 to the domestic utility companies and System Energy financial statements for discussion of transition to competition activity in the retail regulatory jurisdictions served by the domestic utility companies.
Only Texas currently has an enacted retail open access law, but Entergy believes that significant issues remain to be addressed by regulators, and the enacted law does not provide sufficient detail to reasonably determine the impact on Entergy Gulf States' regulated operations.
Cash and Cash Equivalents Entergy considers all unrestricted highly liquid debt instruments purchased with an original maturity of three months or less to be cash equivalents.
Investments with original maturities of more than three months are classified as other temporary investments on the balance sheet.
Investments Entergy applies the provisions of SFAS 115, “Accounting for Investments for Certain Debt and Equity Securities,” in accounting for investments in decommissioning trust funds.
As a result, Entergy records the decommissioning trust funds at their fair value on the balance sheet.
As of December 31, 2002 and 2001, the fair value of the securities held in such funds differs from the amounts deposited plus the earnings on the deposits by the following (in millions):
## Table 2 ##
In accordance with the regulatory treatment for decommissioning trust funds, Entergy Arkansas, Entergy Gulf States (for the regulated portion of River Bend), and Entergy Louisiana have recorded an offsetting amount of unrealized gains/(losses) on investment securities in accumulated depreciation.
For the nonregulated portion of River Bend, Entergy Gulf States has recorded an offsetting amount of unrealized gains/(losses) in other deferred credits.
System Energy's offsetting amount of unrealized gains/(losses) on investment securities is in other regulatory liabilities.
Derivatives and Hedging Entergy implemented SFAS 133, “Accounting for Derivative Instruments and Hedging Activities” on January 1, 2001.
The statement requires that all derivatives be recognized in the balance sheet, either as assets or liabilities, at fair value.
The changes in the fair value of derivatives are recorded each period in current earnings or other comprehensive income, depending on whether a derivative is designated as part of a hedge transaction and, if it is, the type of hedge transaction.
For cash-flow hedge transactions in which Entergy is hedging the variability of cash flows related to a variable-rate asset, liability, or forecasted transaction, changes in the fair value of the derivative instrument are reported in other comprehensive income.
The gains and losses on the derivative instrument that are reported in other comprehensive income are reclassified as earnings in the periods in which earnings are impacted by the variability of the cash flows of the hedged item.
The ineffective portions of all hedges are recognized in currentperiod earnings.
Contracts for commodities that will be delivered in quantities expected to be used or sold in the ordinary course of business, including certain purchases and sales of power and fuel, are not classified as derivatives.
As of December 31, 2006, we also leased an office and laboratory facility in Connecticut, additional office, distribution and storage facilities in San Diego, and four foreign facilities located in Japan, Singapore, China and the Netherlands under non-cancelable operating leases that expire at various times through July 2011.
These leases contain renewal options ranging from one to five years.
As of December 31, 2006, our contractual obligations were (in thousands):
## Table 3 ##
The above table does not include orders for goods and services entered into in the normal course of business that are not enforceable or legally binding.
Item 7A.
Quantitative and Qualitative Disclosures About Market Risk.
Interest Rate Sensitivity Our exposure to market risk for changes in interest rates relates primarily to our investment portfolio.
The fair market value of fixed rate securities may be adversely impacted by fluctuations in interest rates while income earned on floating rate securities may decline as a result of decreases in interest rates.
Under our current policies, we do not use interest rate derivative instruments to manage exposure to interest rate changes.
We attempt to ensure the safety and preservation of our invested principal funds by limiting default risk, market risk and reinvestment risk.
We mitigate default risk by investing in investment grade securities.
We have historically maintained a relatively short average maturity for our investment portfolio, and we believe a hypothetical 100 basis point adverse move in interest rates along the entire interest rate yield curve would not materially affect the fair value of our interest sensitive financial instruments.
Foreign Currency Exchange Risk Although most of our revenue is realized in U. S.  dollars, some portions of our revenue are realized in foreign currencies.
As a result, our financial results could be affected by factors such as changes in foreign currency exchange rates or weak economic conditions in foreign markets.
The functional currencies of our subsidiaries are their respective local currencies.
Accordingly, the accounts of these operations are translated from the local currency to the U. S.  dollar using the current exchange rate in effect at the balance sheet date for the balance sheet accounts, and using the average exchange rate during the period for revenue and expense accounts.
The effects of translation are recorded in accumulated other comprehensive income as a separate component of stockholders’ equity.
Noble Energy, Inc.  Notes to Consolidated Financial StatementsAll amounts in the table above are reported net of tax.
The effective income tax rate applied to AOCL was 37.6% at December 31, 2008 and 35.0% at December 31, 2009, 2010 and 2011.
Note 21.
Commitments and Contingencies Legal Proceedings We are involved in various legal proceedings in the ordinary course of business.
These proceedings are subject to the uncertainties inherent in any litigation.
We are defending ourselves vigorously in all such matters and we believe that the ultimate disposition of such proceedings will not have a material adverse effect on our financial position, results of operations or cash flows.
During 2011, we received two Notices of Alleged Violation (NOAV) from the COGCC regarding the reporting of the presence of hydrogen sulfide to the COGCC and local government designee within certain areas of our Piceance Basin and Grover field operations.
At this time, the COGCC has not established a proposed penalty for either NOAV.
Given the inherent uncertainty in administrative actions of this nature, we are unable to predict the ultimate outcome of this action at this time.
However, we believe that the resolution of these proceedings through settlement or adverse judgment will not have a material adverse effect on our financial position, results of operations or cash flows.
CONSOL Carried Cost Obligation Based on the December 31, 2011 Henry Hub natural gas price strip, we forecast our CONSOL Carried Cost Obligation will be suspended throughout the 2012 fiscal year and resume during first quarter of 2013.
Therefore, specific payment dates for funding cannot be determined at this time and are excluded from the minimum commitments table below.
See Note 3.
Acquisitions and Divestitures.
CONE MARC The CONE MARC, which we expect to total approximately $23 million in 2012, is included in transportation and gathering below.
Amounts to be paid in years beyond 2012 have not yet been determined by the partners.
Non-Cancelable Leases and Other Commitments We hold leases and other commitments for drilling rigs, buildings, equipment and other property.
Rental expense for office buildings and oil and gas operations equipment was $31 million in 2011, $27 million in 2010, and $22 million in 2009.
Minimum commitments as of December 31, 2011 consist of the following:
## Table 4 ##
(1) Annual lease payments, net to our interest, exclude regular maintenance and operational costs, and began during fourth quarter of 2011 once the Aseng FPSO initiated producing operations.
See Note 12.
Long-Term Debt.

<table><tr><td></td><td>2005</td><td>2004</td><td> 2003 </td></tr><tr><td>Dividend yield</td><td>4.6%</td><td>4.4%</td><td>4.0%</td></tr><tr><td>Volatility</td><td>29.4%</td><td>30.0%</td><td>29.7%</td></tr><tr><td>Risk-free interest rate</td><td>4.4%</td><td>3.5%</td><td>3.5%</td></tr><tr><td>Expected life (years)</td><td>7</td><td>7</td><td>7</td></tr></table>
<table><tr><td></td><td colspan="5">For the Year Ended December 31,</td></tr><tr><td>(dollars in millions, except per-share amounts)</td><td>2016</td><td>2015</td><td>2014</td><td>2013<sup>-1</sup></td><td>2012</td></tr><tr><td>OPERATING DATA:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Net interest income</td><td>$3,758</td><td>$3,402</td><td>$3,301</td><td>$3,058</td><td>$3,227</td></tr><tr><td>Noninterest income</td><td>1,497</td><td>1,422</td><td>1,678</td><td>1,632</td><td>1,667</td></tr><tr><td>Total revenue</td><td>5,255</td><td>4,824</td><td>4,979</td><td>4,690</td><td>4,894</td></tr><tr><td>Provision for credit losses</td><td>369</td><td>302</td><td>319</td><td>479</td><td>413</td></tr><tr><td>Noninterest expense</td><td>3,352</td><td>3,259</td><td>3,392</td><td>7,679</td><td>3,457</td></tr><tr><td>Income (loss) before income tax expense (benefit)</td><td>1,534</td><td>1,263</td><td>1,268</td><td>-3,468</td><td>1,024</td></tr><tr><td>Income tax expense (benefit)</td><td>489</td><td>423</td><td>403</td><td>-42</td><td>381</td></tr><tr><td>Net income (loss)</td><td>1,045</td><td>840</td><td>865</td><td>-3,426</td><td>643</td></tr><tr><td>Net income (loss) available to common stockholders</td><td>1,031</td><td>833</td><td>865</td><td>-3,426</td><td>643</td></tr><tr><td>Net income (loss) per average common share - basic<sup>(2)</sup></td><td>1.97</td><td>1.55</td><td>1.55</td><td>-6.12</td><td>1.15</td></tr><tr><td>Net income (loss) per average common share - diluted<sup>(2)</sup></td><td>1.97</td><td>1.55</td><td>1.55</td><td>-6.12</td><td>1.15</td></tr><tr><td>Dividends declared and paid per common share</td><td>0.46</td><td>0.40</td><td>1.43</td><td>2.12</td><td>0.27</td></tr><tr><td>OTHER OPERATING DATA:</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Return on average common equity<sup>-3</sup></td><td>5.23%</td><td>4.30%</td><td>4.46%</td><td>-15.69%</td><td>2.69%</td></tr><tr><td>Return on average tangible common equity<sup>-4</sup></td><td>7.74</td><td>6.45</td><td>6.71</td><td>-25.91</td><td>4.86</td></tr><tr><td>Return on average total assets<sup>-5</sup></td><td>0.73</td><td>0.62</td><td>0.68</td><td>-2.83</td><td>0.50</td></tr><tr><td>Return on average total tangible assets<sup>-6</sup></td><td>0.76</td><td>0.65</td><td>0.71</td><td>-3.05</td><td>0.55</td></tr><tr><td>Efficiency ratio<sup>-7</sup></td><td>63.80</td><td>67.56</td><td>68.12</td><td>163.73</td><td>70.64</td></tr><tr><td>Operating leverage<sup>-8</sup></td><td>6.08</td><td>0.81</td><td>61.99</td><td>-126.30</td><td>-5.27</td></tr><tr><td>Net interest margin<sup>-9</sup></td><td>2.86</td><td>2.75</td><td>2.83</td><td>2.85</td><td>2.89</td></tr></table>
<table><tr><td></td><td>2002</td><td>2001</td></tr><tr><td>Entergy Arkansas</td><td>$35.3</td><td>$69.8</td></tr><tr><td>Entergy Gulf States</td><td>$1.4</td><td>$18.5</td></tr><tr><td>Entergy Louisiana</td><td>-$0.3	</td><td>$8.2</td></tr><tr><td>System Energy</td><td>-$14.5	</td><td>-$1.6	</td></tr></table>
<table><tr><td></td><td>Payments Due by Period</td></tr><tr><td>Contractual Obligation</td><td>Total</td><td>Less Than   1 Year</td><td>1 – 3 Years</td><td>1 – 5 Years</td><td>More Than   5 Years</td></tr><tr><td>Operating leases</td><td>$37,899</td><td>$5,320</td><td>$10,410</td><td>$9,371</td><td>$12,798</td></tr><tr><td>Total</td><td>$37,899</td><td>$5,320</td><td>$10,410</td><td>$9,371</td><td>$12,798</td></tr></table>
<table><tr><td></td><td colspan="3">Accumulated Other Comprehensive Loss</td><td></td></tr><tr><td></td><td>Oil and Gas Cash Flow Hedges</td><td>Interest Rate Cash Flow Hedges</td><td>Pension- Related and Other</td><td>Total</td></tr><tr><td>(millions)</td><td></td><td></td><td></td><td></td></tr><tr><td>December 31, 2008</td><td>$-48</td><td>$-3</td><td>$-59</td><td>$-110</td></tr><tr><td>Realized Amounts Reclassified Into Earnings</td><td>36</td><td>1</td><td>2</td><td>39</td></tr><tr><td>Net Change in Other</td><td>-</td><td>-</td><td>-4</td><td>-4</td></tr><tr><td>December 31, 2009</td><td>-12</td><td>-2</td><td>-61</td><td>-75</td></tr><tr><td>Realized Amounts Reclassified Into Earnings</td><td>12</td><td>1</td><td>3</td><td>16</td></tr><tr><td>Unrealized Change in Fair Value</td><td>-</td><td>-41</td><td>-4</td><td>-45</td></tr><tr><td>December 31, 2010</td><td>-</td><td>-42</td><td>-62</td><td>-104</td></tr><tr><td>Realized Amounts Reclassified Into Earnings</td><td>-</td><td>1</td><td>4</td><td>5</td></tr><tr><td>Unrealized Change in Fair Value</td><td>-</td><td>15</td><td>-16</td><td>-1</td></tr><tr><td>December 31, 2011</td><td>$-</td><td>$-26</td><td>$-74</td><td>$-100</td></tr></table>

Question: In the year with largest amount of total revenue what's the increasing rate of net interest income?
Answer: 0.10464