A) Following data pertains to Castle State Bank. Balance Sheet: Cash 99.123, Securities 596.213, Net loans 1226.907, Net premises 291.446; Deposits 1103.332, Non-deposit borrowings 797.723, Common stock $10.894, Surplus $126.201; Income Statement: Interest Income 393.57, Interest expense 192.329, Noninterest income 49.687, Noninterest expense 102.483, Provision for loan losses 58.656, Securities gains (losses if negative) -7.658, Taxes 47.845. What is Castle State Bank's expense control efficiency 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 102.24 (80% of cash assets earn interest), Securities 584.851, Net loans 1187.741, Net premises 301.951; Deposits 1103.666 (60% of deposits are interest-bearing), Non-deposit borrowings 807.444, Common stock $10.594, Surplus $127.976; Income Statement: Interest Income 395.897, Interest expense 191.619, Noninterest income 48.693, Noninterest expense 96.091, Provision for loan losses 57.799, Securities gains (losses if negative) 10.708, Taxes 44.652. What is Castle State Bank's earnings spread? 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.