Following data pertains to Castle State Bank. Balance Sheet: Cash 96.145, Securities 601.667, Net loans 1209.722, Net premises 309.091; Deposits 1092.495, Non-deposit borrowings 817.967, Common stock 10.258, Surplus 125.495, undivided profits (i.e., retained earnings) 170.41; Income Statement: Interest Income 396.906, Interest expense 184.368, Noninterest income 51.527, Noninterest expense 100.942, Provision for loan losses 62.908, Securities gains (losses if negative) (-8.277), Taxes 43.219. 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