Banking E*TRADE Bank is subject to various regulatory capital requirements administered by federal banking agencies.
Failure to meet minimum capital requirements can trigger certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material effect on E*TRADE Bank’s financial condition and results of operations.
Under capital adequacy guidelines and the regulatory framework for prompt corrective action, E*TRADE Bank must meet specific capital guidelines that involve quantitative measures of E*TRADE Bank’s assets, liabilities and certain off-balance sheet items as calculated under regulatory accounting practices.
In addition, E*TRADE Bank may not pay dividends to the parent company without approval from its regulators and any loans by E*TRADE Bank to the parent company and its other non- bank subsidiaries are subject to various quantitative, arm’s length, collateralization and other requirements.
E*TRADE Bank’s capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings and other factors.
Quantitative measures established by regulation to ensure capital adequacy require E*TRADE Bank to meet minimum total capital, Tier 1 capital and Tier 1 leverage ratios.
As shown in the table below, at both December 31, 2012 and 2011, E*TRADE Bank was categorized as “well capitalized” under the regulatory framework for prompt corrective action.
However, events beyond management’s control, such as a continued deterioration in residential real estate and credit markets, could adversely affect future earnings and E*TRADE Bank’s ability to meet its future capital requirements.
E*TRADE Bank’s actual and required capital amounts and ratios at December 31, 2012 and 2011 are presented in the table below (dollars in thousands)
## Table 0 ##
(1) In the first quarter of 2012, the Company transitioned from reporting under the OTS reporting requirements to reporting under the OCC reporting requirements.
The OTS Tier 1 capital ratio and OCC Tier 1 leverage ratio are both calculated in the same manner using adjusted total assets.
## Table 1 ##
The fluctuation in enterprise interest-earning assets is driven primarily by changes in enterprise interestbearing liabilities, specifically customer payables and deposits.
Average enterprise interest-earning assets decreased 8% to $40.9 billion for the year ended December 31, 2013 compared to 2012.
This was primarily a result of decreases in average available-for-sale securities and average loans, which were partially offset by an increase in average held-to-maturity securities.
Average enterprise interest-bearing liabilities decreased 9% to $38.2 billion for the year ended December 31, 2013 compared to 2012.
The decrease in average enterprise interest-bearing liabilities was due primarily to decreases in average deposits and average FHLB advances and other borrowings.
As part of our strategy to strengthen our overall financial and franchise position, we have been focused on improving our capital ratios by reducing risk and deleveraging the balance sheet.
Our deleveraging strategy included transferring customer deposits to third party institutions, including $3.2 billion of sweep deposits transferred during the year ended December 31, 2013.
At December 31, 2013, our customers held $13.8 billion of assets at third party institutions, including third party banks and money market funds.
Approximately 68% of these offbalance sheet assets resulted from our deleveraging efforts.
We estimate the impact of our deleveraging efforts on net operating interest income to be approximately 130 basis points based on the estimated current reinvestment rates on these assets, less approximately 35 basis points of cost associated with holding these assets on our balance sheet, primarily, FDIC insurance premiums.
While we may take some tactical actions in future periods, we consider our deleveraging initiatives to be complete.
Enterprise net interest spread decreased by 6 basis points to 2.33% for the year ended December 31, 2013 compared to 2012, due to lower yields on margin and reinvestment in securities at lower rates in the current interest rate environment, partially offset by lower rates on customer payables and deposits.
We expect enterprise net interest spread for 2014 will average slightly above the levels from 2013; however, enterprise net interest spread may further fluctuate based on the size and mix of the balance sheet, as well as the impact from the level of interest rates.
Commissions Commissions revenue increased 11% to $420.1 million for the year ended December 31, 2013 compared to 2012.
The main factors that affect commissions are DARTs, average commission per trade and the number of trading days.
DART volume increased 9% to 150,743 for the year ended December 31, 2013 compared to 2012.
Optionrelated DARTs as a percentage of total DARTs represented 24% of trading volume for both years ended December 31, 2013 and 2012.
Exchange-traded funds-related DARTs as a percentage of total DARTs represented 7% of trading volume for the year ended December 31, 2013 compared to 8% in 2012.
Average commission per trade increased 1% to $11.13 for the year ended December 31, 2013 compared to 2012.
Average commission per trade is impacted by customer mix and the different commission rates on various trade types (e. g.  equities, options, fixed income, stock plan, exchange-traded funds, mutual funds, forex and cross border).
Accordingly, changes in the mix of trade types will impact average commission per trade.
E*TRADE FINANCIAL CORPORATION NOTES TO CONSOLIDATED FINANCIAL STATEMENTS shares of common stock.
The dividend of $35 million was paid on February 15, 2019, to shareholders of record as of the close of business on February 1, 2019.
Share Repurchases On July 20, 2017, the Company announced that its Board of Directors authorized the repurchase of up to $1 billion of shares of its common stock.
During 2018, the Company completed this $1 billion share repurchase program with the repurchase of 11.0 million shares of common stock at an average price of $58.15 per share, or $638 million during the year.
In October 2018, the Company announced that its Board of Directors authorized a new $1 billion share repurchase program.
As of December 31, 2018, the Company had repurchased 10.3 million shares of common stock at an average price of $48.53 per share under the new program.
In total, we utilized $1.1 billion to repurchase 21.3 million shares at an average price of $53.49 under these programs during the year ended December 31, 2018.
The Company accounts for share repurchases retired after repurchase by allocating the excess repurchase price over par to additional paidin-capital.
Other Common Stock Activity Other common stock activity includes shares withheld to pay taxes for share-based compensation, exercises of stock options, and other activity.
During the year ended December?31, 2017, it also includes a $3 million conversion of the Company's convertible debentures into 0.3 million shares of common stock.
There were no conversions of convertible debentures during the year ended December?31, 2018.
Accumulated Other Comprehensive Loss The following tables present after-tax changes in each component of accumulated other comprehensive loss (dollars in millions):
## Table 2 ##
(1) During the year ended December 31, 2018, the accumulated other comprehensive loss activity was related to available-for-sale securities.
(2) Securities with a carrying value of $4.7 billion and related unrealized pre-tax gain of $7 million, or $6 million net of tax, were transferred from held-to-maturity securities to available-for-sale securities during the year ended December 31, 2018, as part of a one-time transition election for early adopting the new derivatives and hedge accounting guidance.
See Note 1— Organization, Basis of Presentation and Summary of Significant Accounting Policies for additional information.
(3) Includes unamortized unrealized pre-tax losses of $22 million at December?31, 2018 of which $16 million is related to the transfer of available-for-sale securities to held-to-maturity securities during the year ended December 31, 2018.

Tables referenced above, in order (Table 0 first):
<table><tr><td></td><td colspan="2"> Actual</td><td colspan="3"> Minimum Required to be Well Capitalized Under PromptCorrective Action Provisions</td><td></td></tr><tr><td></td><td> Amount</td><td> Ratio</td><td colspan="2"> Amount</td><td> Ratio</td><td> Excess Capital</td></tr><tr><td> December 31, 2012:</td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Total capital</td><td>$4,009,540</td><td>20.61%</td><td>>$</td><td>1,945,669</td><td>>10.00%</td><td>$2,063,871</td></tr><tr><td>Tier 1 capital</td><td>$3,762,242</td><td>19.34%</td><td>>$</td><td>1,167,401</td><td>> 6.00%</td><td>$2,594,841</td></tr><tr><td>Tier 1 leverage<sup>-1</sup></td><td>$3,762,242</td><td>8.68%</td><td>>$</td><td>2,167,136</td><td>> 5.00%</td><td>$1,595,106</td></tr><tr><td> December 31, 2011:</td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Total capital to risk-weighted assets</td><td>$3,602,384</td><td>17.27%</td><td>>$</td><td>2,086,243</td><td>>10.00%</td><td>$1,516,141</td></tr><tr><td>Tier 1 capital to risk-weighted assets</td><td>$3,338,618</td><td>16.00%</td><td>>$</td><td>1,251,746</td><td>> 6.00%</td><td>$2,086,872</td></tr><tr><td>Tier 1 capital to adjusted total assets</td><td>$3,351,860</td><td>7.75%</td><td>>$</td><td>2,163,785</td><td>> 5.00%</td><td>$1,188,075</td></tr></table>
<table><tr><td></td><td colspan="3"> Year Ended December 31,</td></tr><tr><td></td><td>2013</td><td>2012</td><td> 2011</td></tr><tr><td>Enterprise net interest:</td><td></td><td></td><td></td></tr><tr><td>Spread</td><td>2.33%</td><td>2.39%</td><td>2.79%</td></tr><tr><td>Margin (net yield on interest-earning assets)</td><td>2.37%</td><td>2.43%</td><td>2.84%</td></tr><tr><td>Ratio of enterprise interest-earning assets to enterprise interest-bearing liabilities</td><td>107.18%</td><td>106.09%</td><td>106.51%</td></tr><tr><td>Return on average:</td><td></td><td></td><td></td></tr><tr><td>Total assets</td><td>0.19%</td><td>-0.23%</td><td>0.33%</td></tr><tr><td>Total shareholders’ equity</td><td>1.77%</td><td>-2.24%</td><td>3.36%</td></tr><tr><td>Average total shareholders’ equity to average total assets</td><td>10.70%</td><td>10.19%</td><td>9.91%</td></tr></table>
<table><tr><td></td><td>Total<sup>-1</sup></td></tr><tr><td>Balance, December 31, 2017</td><td>$- 26</td></tr><tr><td>Other comprehensive loss before reclassifications</td><td>- 203</td></tr><tr><td>Amounts reclassified from accumulated other comprehensive loss</td><td>- 31</td></tr><tr><td>Transfer of held-to-maturity securities to available-for-sale securities<sup>-2</sup></td><td>6</td></tr><tr><td>Net change</td><td>- 228</td></tr><tr><td>Cumulative effect of hedge accounting adoption</td><td>- 7</td></tr><tr><td>Reclassification of tax effects due to federal tax reform</td><td>- 14</td></tr><tr><td>Balance, December 31, 2018<sup>-3</sup></td><td>$- 275</td></tr></table>

Question: What is the growing rate of Total capital in the year with the most Total capital?
Answer: 0.11302
Reasoning program: subtract(4009540,3602384), divide(#0,3602384)