Based on the following income statement, what is the bank's pre-tax net income (as a ratio to assets)? Enter your answer as a perentage; for example, if the answer is 5.5%, enter 5.5 . \begin{tabular}{|l|c|} \hline & Ratio to Assets \\ \hline Total Interest Income & 3.9% \\ \hline Total Interest Expense & 1.1% \\ \hline Net Interest Income & \\ \hline Non-interest Income & 1.7% \\ \hline Non-interest Expense & 2.6% \\ \hline Provision for Loans & 0.4% \\ \hline Pre-tax Net Income & \\ \hline \end{tabular}