Following data pertains to Castle State Bank. Balance Sheet: Cash 98.043, Securities 602.123, Net loans 1195.647, Net premises 296.586; Deposits 1107.588, Non-deposit borrowings 819.551, Common stock $10.309, Surplus $125.811; Income Statement: Interest Income 406.014, Interest expense 186.366, Noninterest income 48.434, Noninterest expense 104.558, Provision for loan losses 59.051, Securities gains (losses if negative) 10.737, Taxes 41.997. What is Castle State Bank's net profit margin? Decimalize your answer, round to four decimals. E.g., if your answer is 6.445%, record it as 0.0645. Note: Undivided profits is the only item missing above; it is the item that would balance the balance sheet.