A) Following data pertains to Castle State Bank. Balance Sheet: Cash 100.096, Securities 604.199, Net loans 1214.79, Net premises 298.384; Deposits 1090.361, Non-deposit borrowings 782.462, Common stock $10.891, Surplus $123.071; Income Statement: Interest Income 398.568, Interest expense 184.009, Noninterest income 51.435, Noninterest expense 97.908, Provision for loan losses 61.79, Securities gains (losses if negative) 9.254, Taxes 43.241. What is Castle State Bank's net operating margin? Decimalize your answer, round to four decimals. E.g., if your answer is 10.445%, record it as 0.1045. Note: Undivided profits is the only item missing above; it is the item that would balance the balance sheet.

B) Following data pertains to Castle State Bank. Balance Sheet: Cash 96.056, Securities 610.269, Net loans 1185.286, Net premises 290.758; Deposits 1091.771, Non-deposit borrowings 803.555, Common stock $10.376, Surplus $124.456; Income Statement: Interest Income 393.37, Interest expense 210.725, Noninterest income 51.214, Noninterest expense 102.68, Provision for loan losses 62.336, Securities gains (losses if negative) -4.665, Taxes 47.053. What is Castle State Bank's equity multiplier? Decimalize your answer, round to two decimals. E.g., if your answer is 10.445, record it as10.45. Note: Undivided profits is the only item missing above; it is the item that would balance the balance sheet.