business-related metrics as of or for the year ended december 31 .

2003: loan and lease receivables: 43.2
average loan and lease receivables: 41.7
automobile origination volume: 27.8
automobile market share: -6.1
30+ day delinquency rate: 1.46
net charge-off ratio: 0.41
overhead ratio: 35
2002: loan and lease receivables: 37.4
average loan and lease receivables: 31.7
automobile origination volume: 25.3
automobile market share: -5.7
30+ day delinquency rate: 1.54
net charge-off ratio: 0.51
overhead ratio: 36
change: loan and lease receivables: -16
average loan and lease receivables: 32
automobile origination volume: 10
automobile market share: 40
30+ day delinquency rate: -8
net charge-off ratio: -10
overhead ratio: -100

crb is the no . 1 bank in the new york tri-state area and a top five bank in texas ( both ranked by retail deposits ) , providing payment , liquidity , investment , insurance and credit products and services to three primary customer segments : small busi- ness , affluent and retail . within these segments , crb serves 326000 small businesses , 433000 affluent consumers and 2.6 million mass-market consumers . crb 2019s continued focus on expanding customer relationships resulted in a 14% ( 14 % ) increase in core deposits ( for this purpose , core deposits are total deposits less time deposits ) from december 31 , 2002 , and a 77% ( 77 % ) increase in the cross-sell of chase credit products over 2002 . in 2003 , mortgage and home equity originations through crb 2019s distribution channels were $ 3.4 billion and $ 4.7 billion , respectively . branch-originated credit cards totaled 77000 , contributing to 23% ( 23 % ) of crb customers holding chase credit cards . crb is compensated by cfs 2019s credit businesses for the home finance and credit card loans it origi- nates and does not retain these balances . chase regional banking while crb continues to position itself for growth , decreased deposit spreads related to the low-rate environment and increased credit costs resulted in an 80% ( 80 % ) decline in crb operating earnings from 2002 . this decrease was partly offset by an 8% ( 8 % ) increase in total average deposits . operating revenue of $ 2.6 billion decreased by 9% ( 9 % ) compared with 2002 . net interest income declined by 11% ( 11 % ) to $ 1.7 billion , primarily attributable to the lower interest rate environment . noninterest revenue decreased 6% ( 6 % ) to $ 927 million due to lower deposit service fees , decreased debit card fees and one-time gains in 2002 . crb 2019s revenue does not include funding profits earned on its deposit base ; these amounts are included in the results of global treasury . operating expense of $ 2.4 billion increased by 7% ( 7 % ) from 2002 . the increase was primarily due to investments in technology within the branch network ; also contributing were higher compensation expenses related to increased staff levels and higher severance costs as a result of continued restructuring . this increase in operating caf is the largest u.s . bank originator of automobile loans and leases , with more than 2.9 million accounts . in 2003 , caf had a record number of automobile loan and lease originations , growing by 10% ( 10 % ) over 2002 to $ 27.8 billion . loan and lease receivables of $ 43.2 billion at december 31 , 2003 , were 16% ( 16 % ) higher than at the prior year-end . despite a challenging operating environment reflecting slightly declining new car sales in 2003 and increased competition , caf 2019s market share among automobile finance companies improved to 6.1% ( 6.1 % ) in 2003 from 5.7% ( 5.7 % ) in 2002 . the increase in market share was the result of strong organic growth and an origination strategy that allies the business with manufac- turers and dealers . caf 2019s relationships with several major car manufacturers contributed to 2003 growth , as did caf 2019s dealer relationships , which increased from approximately 12700 dealers in 2002 to approximately 13700 dealers in 2003 . in 2003 , operating earnings were $ 205 million , 23% ( 23 % ) higher compared with 2002 . the increase in earnings was driven by continued revenue growth and improved operating efficiency . in 2003 , caf 2019s operating revenue grew by 23% ( 23 % ) to $ 842 million . net interest income grew by 33% ( 33 % ) compared with 2002 . the increase was driven by strong operating performance due to higher average loans and leases outstanding , reflecting continued strong origination volume and lower funding costs . operating expense of $ 292 million increased by 18% ( 18 % ) compared with 2002 . the increase in expenses was driven by higher average chase auto finance loans outstanding , higher origination volume and higher perform- ance-based incentives . caf 2019s overhead ratio improved from 36% ( 36 % ) in 2002 to 35% ( 35 % ) in 2003 , as a result of strong revenue growth , con- tinued productivity gains and disciplined expense management . credit costs increased 18% ( 18 % ) to $ 205 million , primarily reflecting a 32% ( 32 % ) increase in average loan and lease receivables . credit quality continued to be strong relative to 2002 , as evidenced by a lower net charge-off ratio and 30+ day delinquency rate . caf also comprises chase education finance , a top provider of government-guaranteed and private loans for higher education . loans are provided through a joint venture with sallie mae , a government-sponsored enterprise and the leader in funding and servicing education loans . chase education finance 2019s origination volume totaled $ 2.7 billion , an increase of 4% ( 4 % ) from last year . management 2019s discussion and analysis j.p . morgan chase & co . 42 j.p . morgan chase & co . / 2003 annual report .

Questions:
what was the percentage growth of the operating earnings from 2002 to 2003?
and what percentage did the 2002 earnings represent in relation to the 2003 ones?
considering the amount of those 2003 earnings, what can be concluded to have been those operating earnings in 2002?
in that same period, how much did the net interest income in 2003 represent in relation to the one in 2002?
what was, then, that 2002 net interest income?
and what was the decline in it from that year to 2003?

Answers:
23%
77%
157.85
.89
1.91
0.21