Following data pertains to Castle State Bank. Balance Sheet: Cash 95.41, Securities 605.921, Net loans 1225.116, Net premises 302.219; Deposits 1108.814, Non-deposit borrowings 798.71, Common stock $10.673, Surplus $122.209; Income Statement: Interest Income 408.773, Interest expense 207.134, Noninterest income 50.276, Noninterest expense 103.72, Provision for loan losses 58.388, Securities gains (losses if negative) 0.395, Taxes 48.759. What is Castle State Bank's tax management efficiency ratio? Decimalize your answers, round to four decimals. E.g., if your answer is 14.445%, record it as 0.1445.