Following data pertains to Castle State Bank. Balance Sheet: Cash 102.476, Securities 608.449, Net loans 1207.739, Net premises 306.085; Deposits 1109.711, Non-deposit borrowings 805.263, Common stock $10.725, Surplus $122.316; Income Statement: Interest Income 401.115, Interest expense 195.767, Noninterest income 48.622, Noninterest expense 104.364, Provision for loan losses 62.437, Securities gains (losses if negative) -7.963, Taxes 48.71. What is Castle State Bank's ROA? Decimalize your answers, round to four decimals.