Following data pertains to Castle State Bank. Balance Sheet: Cash 104.012, Securities 589.037, Net loans 1222.104, Net premises 296.023; Deposits 1101.22, Non-deposit borrowings 781.256, Common stock 11.759, Surplus 123.3, undivided profits (i.e., retained earnings) 193.641; Income Statement: Interest Income 407.857, Interest expense 213.687, Noninterest income 48.672, Noninterest expense 95.165, Provision for loan losses 57.744, Securities gains (losses if negative) (-9.445), Taxes 47.182. What is Castle State Bank's ROA? Decimalize your answers, round to four decimals. E.g., if your answer is 2.345%, record it as 0.0235.