Following data pertains to Castle State Bank. Balance Sheet: Cash 102.368, Securities 617.142, Net loans 1194.176, Net premises 308.08; Deposits 1091.262, Non-deposit borrowings 793.157, Common stock $10.525, Surplus $129.099; Income Statement: Interest Income 396.652, Interest expense 197.695, Noninterest income 50.706, Noninterest expense 95.576, Provision for loan losses 57.169, Securities gains (losses if negative) -5.822, Taxes 42.365. 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.