A bank has an interest income of $25.08 million, a non-interest income of $12.28, an interest expense $7.89 million, and a non-interest expense of $18.02. This bank has $683 million in total assets and $479 million in total liability. What is the net interest margin for this bank? Please round your answer to the fourth decimal. e.g. if your answer is 1.23%, you should input 0.0123