Following data pertains to Castle State Bank. Balance Sheet: Cash 98.891, Securities 606.186, Net loans 1179.754, Net premises 290.301; Deposits 1109.218, Non-deposit borrowings 804.087, Common stock $10.996, Surplus $124.266; Income Statement: Interest Income 392.671, Interest expense 190.296, Noninterest income 50.828, Noninterest expense 95.782, Provision for loan losses 61.683, Securities gains (losses if negative) 0.794, Taxes 42.487. 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.