As the Treasurer of Classic Rock bank, you have been given the following information in $ thousands. Assume the year base is on a 365 day actual basis and it is the results are for the quarter ending 3Q 2021 (92 days). Calculate the effective tax rate. Round up to the nearest whole decimal. Total Average Assets = $ 7,717,401 Total Average Earning Assets = $ 7,230,743 Total Average Shareholders (Owners) Equity = $ 781,311 Interest Income = $ 66,725 Interest Expense = $ 5,732 Non-Interest Income = $ 16,249 Non-Interest Expense = $ 49,662 Provision for Loan Losses = $ 2,303 Net Income After Taxes = $ 18,747 Average Shares Outstanding = 61,905,095 (Actual) O 21.2% O 25.8% O 26.7% O 22.2% O 22.3%