A) Following data pertains to Castle State Bank. Balance Sheet: Cash 97.635, Securities 584.546, Net loans 1222.661, Net premises 306.764; Deposits 1092.469, Non-deposit borrowings 806.009, Common stock $10.984, Surplus $128.742; Income Statement: Interest Income 401.541, Interest expense 188.157, Noninterest income 48.882, Noninterest expense 98.978, Provision for loan losses 58.563, Securities gains (losses if negative) -1.542, Taxes 45.36. What is Castle State Bank's asset utilization ratio? Decimalize your answers, round to four decimals. E.g., if your answer is 14.445%, record it as 0.1445. 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 103.205, Securities 585.479, Net loans 1189.22, Net premises 304.963; Deposits 1092.384, Non-deposit borrowings 806.494, Common stock $11.822, Surplus $125.585; Income Statement: Interest Income 394.276, Interest expense 196.438, Noninterest income 51.055, Noninterest expense 98.896, Provision for loan losses 60.79, Securities gains (losses if negative) 8.496, Taxes 41.614. What is Castle State Bank's ROA? Decimalize your answers, round to four decimals. E.g., if your answer is 14.445%, record it as 0.1445. Note: Undivided profits is the only item missing above; it is the item that would balance the balance sheet.